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<br /> www.bestreview.com<br /> January 2015<br /> Issues & Answers:<br /> Insurance Programs, Pages 41-45<br /> A.M. Best's Monthly Insurance Magazine<br /> gazine<br /> Agricultural losses in Kenya and<br /> four other African nations are<br /> covered under the African Risk<br /> Taming Capacity, a new risk initiative.<br /> The<br /> Risk Frontier<br /> Risk Innovation: Insurers are converting formerly uncovered<br /> economic risk into insurance coverage. Pages 12-21<br /> A.M. Best Rankings:<br /> Top Audit and Actuarial Firms<br /> PAGE 31<br /> Cyber Liability's New Risks<br /> PAGE 64<br /> SUPPORT<br /> EXTRAORDINARY<br /> In a world full of risk, at Maiden Re we bring our clients extraordinary peace of mind.<br /> We partner closely with our clients and learn their business intimately, to <a title="Best's Review - January 2015 Edition page 1" href="http://viewer.zmags.com/publication/6292b9a8?page=1"> www.bestreview.com January 2015 Issues & Answer</a> <a title="Best's Review - January 2015 Edition page 2" href="http://viewer.zmags.com/publication/6292b9a8?page=2"> SUPPORT EXTRAORDINARY In a world full of ris</a> <a title="Best's Review - January 2015 Edition page 3" href="http://viewer.zmags.com/publication/6292b9a8?page=3"> Monthly Insurance Magazine Published by A.M. </a> <a title="Best's Review - January 2015 Edition page 4" href="http://viewer.zmags.com/publication/6292b9a8?page=4"> An innovative approach to breaking the drought-to</a> <a title="Best's Review - January 2015 Edition page 5" href="http://viewer.zmags.com/publication/6292b9a8?page=5"> ” A! K E R U E CIC education is now online</a> <a title="Best's Review - January 2015 Edition page 6" href="http://viewer.zmags.com/publication/6292b9a8?page=6"> Contents, continued AGENT/BROKER 41 ISSUES & A</a> <a title="Best's Review - January 2015 Edition page 7" href="http://viewer.zmags.com/publication/6292b9a8?page=7"> INDESIGN_AD_TEMPLATE.indd 1 </a> <a title="Best's Review - January 2015 Edition page 8" href="http://viewer.zmags.com/publication/6292b9a8?page=8"> BEST’S REVIEW ONLINE http://www.bestreview.com U</a> <a title="Best's Review - January 2015 Edition page 9" href="http://viewer.zmags.com/publication/6292b9a8?page=9"> Video and Audio from the A.M. Best Company </a> <a title="Best's Review - January 2015 Edition page 10" href="http://viewer.zmags.com/publication/6292b9a8?page=10"> People in Insurance Insurance Jobs The U.S. insur</a> <a title="Best's Review - January 2015 Edition page 11" href="http://viewer.zmags.com/publication/6292b9a8?page=11"> Mutual of Omaha CEO Dan Neary to Retire; Company </a> <a title="Best's Review - January 2015 Edition page 12" href="http://viewer.zmags.com/publication/6292b9a8?page=12"> People in Insurance NAIC Names Montana's Lindeen </a> <a title="Best's Review - January 2015 Edition page 13" href="http://viewer.zmags.com/publication/6292b9a8?page=13"> Reaching New “Heights” Aflac recent</a> <a title="Best's Review - January 2015 Edition page 14" href="http://viewer.zmags.com/publication/6292b9a8?page=14"> Risk Innovation Innovation Milestones Mar</a> <a title="Best's Review - January 2015 Edition page 15" href="http://viewer.zmags.com/publication/6292b9a8?page=15"> Personal Accident Steam Boiler </a> <a title="Best's Review - January 2015 Edition page 16" href="http://viewer.zmags.com/publication/6292b9a8?page=16"> Risk Innovation “It's OK to take risks. It's OK </a> <a title="Best's Review - January 2015 Edition page 17" href="http://viewer.zmags.com/publication/6292b9a8?page=17"> From Workplace To Afterlife Capital Insurance Gro</a> <a title="Best's Review - January 2015 Edition page 18" href="http://viewer.zmags.com/publication/6292b9a8?page=18"> Risk Innovation Breaking the Drought-Starvati</a> <a title="Best's Review - January 2015 Edition page 19" href="http://viewer.zmags.com/publication/6292b9a8?page=19"> Mauritania Niger Senegal FAMINE FIG</a> <a title="Best's Review - January 2015 Edition page 20" href="http://viewer.zmags.com/publication/6292b9a8?page=20"> Risk Innovation Insuring in Three Dimensions AIG </a> <a title="Best's Review - January 2015 Edition page 21" href="http://viewer.zmags.com/publication/6292b9a8?page=21"> supervision from threats to health and safety due</a> <a title="Best's Review - January 2015 Edition page 22" href="http://viewer.zmags.com/publication/6292b9a8?page=22"> Risk Innovation age 85 and older—who are most l</a> <a title="Best's Review - January 2015 Edition page 23" href="http://viewer.zmags.com/publication/6292b9a8?page=23"> Going GREEN in Colombia An insurer and a team of </a> <a title="Best's Review - January 2015 Edition page 24" href="http://viewer.zmags.com/publication/6292b9a8?page=24"> Asset Management Municipal Bonding </a> <a title="Best's Review - January 2015 Edition page 25" href="http://viewer.zmags.com/publication/6292b9a8?page=25"> OF THE MARKET IS RATED TRIPLE " OR BELOW4HE YEA</a> <a title="Best's Review - January 2015 Edition page 26" href="http://viewer.zmags.com/publication/6292b9a8?page=26"> Asset Management “With careful research, you ca</a> <a title="Best's Review - January 2015 Edition page 27" href="http://viewer.zmags.com/publication/6292b9a8?page=27"> ‡ ‡ M, Inc. son Park Road ‡ on, C</a> <a title="Best's Review - January 2015 Edition page 28" href="http://viewer.zmags.com/publication/6292b9a8?page=28"> Asset Management crisis was effectively zero. A</a> <a title="Best's Review - January 2015 Edition page 29" href="http://viewer.zmags.com/publication/6292b9a8?page=29"> Property/Casualty On Watch A number of emerging p</a> <a title="Best's Review - January 2015 Edition page 30" href="http://viewer.zmags.com/publication/6292b9a8?page=30"> Property/Casualty For carriers, risks such </a> <a title="Best's Review - January 2015 Edition page 31" href="http://viewer.zmags.com/publication/6292b9a8?page=31"> Lack of awareness about the need for coverage </a> <a title="Best's Review - January 2015 Edition page 32" href="http://viewer.zmags.com/publication/6292b9a8?page=32"> Property/Casualty Loss/Risk Management </a> <a title="Best's Review - January 2015 Edition page 33" href="http://viewer.zmags.com/publication/6292b9a8?page=33"> A.M. Best Data Top Audit and Actuarial Firms </a> <a title="Best's Review - January 2015 Edition page 34" href="http://viewer.zmags.com/publication/6292b9a8?page=34"> A.M. Best Data Auditors & Actuaries – Property/C</a> <a title="Best's Review - January 2015 Edition page 35" href="http://viewer.zmags.com/publication/6292b9a8?page=35"> Auditors & Actuaries – Health (USD 000) Health </a> <a title="Best's Review - January 2015 Edition page 36" href="http://viewer.zmags.com/publication/6292b9a8?page=36"> Life Opportunities Await A survey of life insur</a> <a title="Best's Review - January 2015 Edition page 37" href="http://viewer.zmags.com/publication/6292b9a8?page=37"> Digital channels, including social media,are</a> <a title="Best's Review - January 2015 Edition page 38" href="http://viewer.zmags.com/publication/6292b9a8?page=38"> Life Combination Products Are on the Rise Al</a> <a title="Best's Review - January 2015 Edition page 39" href="http://viewer.zmags.com/publication/6292b9a8?page=39"> distributors. Manufacturers are giv- ing greater</a> <a title="Best's Review - January 2015 Edition page 40" href="http://viewer.zmags.com/publication/6292b9a8?page=40"> Life the term space, that is not healthy for ca</a> <a title="Best's Review - January 2015 Edition page 41" href="http://viewer.zmags.com/publication/6292b9a8?page=41"> shortening the underwriting process. Information </a> <a title="Best's Review - January 2015 Edition page 42" href="http://viewer.zmags.com/publication/6292b9a8?page=42"> Life Selling I </a> <a title="Best's Review - January 2015 Edition page 43" href="http://viewer.zmags.com/publication/6292b9a8?page=43"> Special Advertising Section BEST'S REVIEW® ISSUE</a> <a title="Best's Review - January 2015 Edition page 44" href="http://viewer.zmags.com/publication/6292b9a8?page=44"> TOKIO MARINE SPECIALTY EXCESS AND SURPLUS PROTEC</a> <a title="Best's Review - January 2015 Edition page 45" href="http://viewer.zmags.com/publication/6292b9a8?page=45"> Special Advertising Section Issues & Answers G</a> <a title="Best's Review - January 2015 Edition page 46" href="http://viewer.zmags.com/publication/6292b9a8?page=46"> INDESIGN_AD_TEMPLATE.indd 1 </a> <a title="Best's Review - January 2015 Edition page 47" href="http://viewer.zmags.com/publication/6292b9a8?page=47"> Special Advertising Section Issues & Answers In</a> <a title="Best's Review - January 2015 Edition page 48" href="http://viewer.zmags.com/publication/6292b9a8?page=48"> Agent/Broker The Art Of the Annual Review Sav</a> <a title="Best's Review - January 2015 Edition page 49" href="http://viewer.zmags.com/publication/6292b9a8?page=49"> brokerage or an agency with 1,000 policies in for</a> <a title="Best's Review - January 2015 Edition page 50" href="http://viewer.zmags.com/publication/6292b9a8?page=50"> Agent/Broker “When we do [the annual review] we</a> <a title="Best's Review - January 2015 Edition page 51" href="http://viewer.zmags.com/publication/6292b9a8?page=51"> Feature ConneCting With Content Although generati</a> <a title="Best's Review - January 2015 Edition page 52" href="http://viewer.zmags.com/publication/6292b9a8?page=52"> Feature Selected highlights from several pre</a> <a title="Best's Review - January 2015 Edition page 53" href="http://viewer.zmags.com/publication/6292b9a8?page=53"> Ryan Hanley Trust should be added to the mi</a> <a title="Best's Review - January 2015 Edition page 54" href="http://viewer.zmags.com/publication/6292b9a8?page=54"> Feature than price alone; they're living omni- </a> <a title="Best's Review - January 2015 Edition page 55" href="http://viewer.zmags.com/publication/6292b9a8?page=55"> Regulatory/Law GETTING INVOLV</a> <a title="Best's Review - January 2015 Edition page 56" href="http://viewer.zmags.com/publication/6292b9a8?page=56"> Regulatory/Law That said, some regulatory i</a> <a title="Best's Review - January 2015 Edition page 57" href="http://viewer.zmags.com/publication/6292b9a8?page=57"> process as frequently as economic conditions or t</a> <a title="Best's Review - January 2015 Edition page 58" href="http://viewer.zmags.com/publication/6292b9a8?page=58"> Regulatory/Law A </a> <a title="Best's Review - January 2015 Edition page 59" href="http://viewer.zmags.com/publication/6292b9a8?page=59"> Regulatory/Law COMING UP: This year the Supreme</a> <a title="Best's Review - January 2015 Edition page 60" href="http://viewer.zmags.com/publication/6292b9a8?page=60"> Regulatory/Law The shift in political power fro</a> <a title="Best's Review - January 2015 Edition page 61" href="http://viewer.zmags.com/publication/6292b9a8?page=61"> IRS and provide employees with a statement. </a> <a title="Best's Review - January 2015 Edition page 62" href="http://viewer.zmags.com/publication/6292b9a8?page=62"> Reinsurance/Capital Markets DESERT DRAW: The Du</a> <a title="Best's Review - January 2015 Edition page 63" href="http://viewer.zmags.com/publication/6292b9a8?page=63"> players aiming to be on the ground and closer to </a> <a title="Best's Review - January 2015 Edition page 64" href="http://viewer.zmags.com/publication/6292b9a8?page=64"> Property/Casualty Underwriting </a> <a title="Best's Review - January 2015 Edition page 65" href="http://viewer.zmags.com/publication/6292b9a8?page=65"> Feature Busy Markets Munich Re sees s</a> <a title="Best's Review - January 2015 Edition page 66" href="http://viewer.zmags.com/publication/6292b9a8?page=66"> Technology Intangible Ri</a> <a title="Best's Review - January 2015 Edition page 67" href="http://viewer.zmags.com/publication/6292b9a8?page=67"> of different aspects of the risk,” said Bob Pari</a> <a title="Best's Review - January 2015 Edition page 68" href="http://viewer.zmags.com/publication/6292b9a8?page=68"> Technology Solutions, said proof of loss is</a> <a title="Best's Review - January 2015 Edition page 69" href="http://viewer.zmags.com/publication/6292b9a8?page=69"> 2015 LEADERSHIP Gain unmatched leadership traini</a> <a title="Best's Review - January 2015 Edition page 70" href="http://viewer.zmags.com/publication/6292b9a8?page=70"> Technology A.M. Best Fall 2014 Insurance Indus</a> <a title="Best's Review - January 2015 Edition page 71" href="http://viewer.zmags.com/publication/6292b9a8?page=71"> However, this also may have to do with where </a> <a title="Best's Review - January 2015 Edition page 72" href="http://viewer.zmags.com/publication/6292b9a8?page=72"> Technology Exhibit 6 Industry Survey – Handheld</a> <a title="Best's Review - January 2015 Edition page 73" href="http://viewer.zmags.com/publication/6292b9a8?page=73"> than 83% of companies reported that they do have </a> <a title="Best's Review - January 2015 Edition page 74" href="http://viewer.zmags.com/publication/6292b9a8?page=74"> Technology C </a> <a title="Best's Review - January 2015 Edition page 75" href="http://viewer.zmags.com/publication/6292b9a8?page=75"> Choose qualified insurance professionals from the </a> <a title="Best's Review - January 2015 Edition page 76" href="http://viewer.zmags.com/publication/6292b9a8?page=76"> Agent/Broker New Risks F</a> <a title="Best's Review - January 2015 Edition page 77" href="http://viewer.zmags.com/publication/6292b9a8?page=77"> Large retail breaches of credit card data at</a> <a title="Best's Review - January 2015 Edition page 78" href="http://viewer.zmags.com/publication/6292b9a8?page=78"> Agent/Broker Selling I </a> <a title="Best's Review - January 2015 Edition page 79" href="http://viewer.zmags.com/publication/6292b9a8?page=79"> Agent/Broker Mirror Images Carriers create the r</a> <a title="Best's Review - January 2015 Edition page 80" href="http://viewer.zmags.com/publication/6292b9a8?page=80"> Agent/Broker For these reasons—and the fact </a> <a title="Best's Review - January 2015 Edition page 81" href="http://viewer.zmags.com/publication/6292b9a8?page=81"> carries risk, a fundamental change will definitel</a> <a title="Best's Review - January 2015 Edition page 82" href="http://viewer.zmags.com/publication/6292b9a8?page=82"> Asset Management The Global Economic and Ca</a> <a title="Best's Review - January 2015 Edition page 83" href="http://viewer.zmags.com/publication/6292b9a8?page=83"> Refine your analysis. Uncover the core elements </a> <a title="Best's Review - January 2015 Edition page 84" href="http://viewer.zmags.com/publication/6292b9a8?page=84"> Best's Credit Rating Actions Best's Credit Rat</a> <a title="Best's Review - January 2015 Edition page 85" href="http://viewer.zmags.com/publication/6292b9a8?page=85"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Review - January 2015 Edition page 86" href="http://viewer.zmags.com/publication/6292b9a8?page=86"> Best's Credit Rating Actions Rating Action </a> <a title="Best's Review - January 2015 Edition page 87" href="http://viewer.zmags.com/publication/6292b9a8?page=87"> The Global Symbol of Financial Strength i </a> <a title="Best's Review - January 2015 Edition page 88" href="http://viewer.zmags.com/publication/6292b9a8?page=88"> Companies Newly Listed Firms The f</a> <a title="Best's Review - January 2015 Edition page 89" href="http://viewer.zmags.com/publication/6292b9a8?page=89"> Advertisers Index Don't Miss the Next Opport</a> <a title="Best's Review - January 2015 Edition page 90" href="http://viewer.zmags.com/publication/6292b9a8?page=90"> The Last Word Hanover Insurance is helping cele</a> <a title="Best's Review - January 2015 Edition page 91" href="http://viewer.zmags.com/publication/6292b9a8?page=91"> Our handshake means more than an engagement. It m</a> <a title="Best's Review - January 2015 Edition page 92" href="http://viewer.zmags.com/publication/6292b9a8?page=92"> Expect big things in workers' compensation. Expec</a>