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<br /> www.bestreview.com<br /> January 2012<br /> <br /> For access on iPads and<br /> mobile devices see page 4.<br /> <br /> -ONTHLY)NSURANCE.EWS-AGAZINE )NSURERSs!GENTS"ROKERSs2EINSURERS<br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> See pages 17-34<br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> A.M. Best Rankings:<br /> Top Auditors and<br /> Actuarial Firms<br /> PAGES 45, 46<br /> <br /> <br /> <br /> Top Global Insurers<b<a title="January2012 page 1" href="http://viewer.zmags.com/publication/72ecd829?page=1">www.bestreview.comJanuary 2012For access on iP</a> www.bestreview.comJanuary 2012For access on iP<a title="January2012 page 2" href="http://viewer.zmags.com/publication/72ecd829?page=2">It's like entrusting yourcollateral to a castle </a> It's like entrusting yourcollateral to a castle <a title="January2012 page 3" href="http://viewer.zmags.com/publication/72ecd829?page=3">Published by A.M. Best CompanyBEST'S REVIEW </a> Published by A.M. Best CompanyBEST'S REVIEW <a title="January2012 page 4" href="http://viewer.zmags.com/publication/72ecd829?page=4">ContentsCOVER PACKAGE17 INNOVATORS SHOWCASE</a> ContentsCOVER PACKAGE17 INNOVATORS SHOWCASE<a title="January2012 page 5" href="http://viewer.zmags.com/publication/72ecd829?page=5">STAND OUT AND GAINTHE COMPETITIVE EDGETHEM</a> STAND OUT AND GAINTHE COMPETITIVE EDGETHEM<a title="January2012 page 6" href="http://viewer.zmags.com/publication/72ecd829?page=6">00 00110101100 11 011 0 10 001</a> 00 00110101100 11 011 0 10 001<a title="January2012 page 7" href="http://viewer.zmags.com/publication/72ecd829?page=7">The Hartford Life InsuranceIMMEDIATECOVERAGE</a> The Hartford Life InsuranceIMMEDIATECOVERAGE<a title="January2012 page 8" href="http://viewer.zmags.com/publication/72ecd829?page=8">ONLINEhttp://www.bestreview.comDig DeeperISS</a> ONLINEhttp://www.bestreview.comDig DeeperISS<a title="January2012 page 9" href="http://viewer.zmags.com/publication/72ecd829?page=9"></a> <a title="January2012 page 10" href="http://viewer.zmags.com/publication/72ecd829?page=10">People in InsuranceInsurance JobsEmployment in </a> People in InsuranceInsurance JobsEmployment in <a title="January2012 page 11" href="http://viewer.zmags.com/publication/72ecd829?page=11"></a> <a title="January2012 page 12" href="http://viewer.zmags.com/publication/72ecd829?page=12"> Wright succeeds DAVID MARG-RETT, who is </a> Wright succeeds DAVID MARG-RETT, who is <a title="January2012 page 13" href="http://viewer.zmags.com/publication/72ecd829?page=13">Because they've finally discovered thebenefits o</a> Because they've finally discovered thebenefits o<a title="January2012 page 14" href="http://viewer.zmags.com/publication/72ecd829?page=14">People in Insurance He also worked at Pr</a> People in Insurance He also worked at Pr<a title="January2012 page 15" href="http://viewer.zmags.com/publication/72ecd829?page=15">Insurance MarketingAUTO INSURANCEState ofTrans</a> Insurance MarketingAUTO INSURANCEState ofTrans<a title="January2012 page 16" href="http://viewer.zmags.com/publication/72ecd829?page=16">AdvertorialThink Globally.Act Efficiently.CSC</a> AdvertorialThink Globally.Act Efficiently.CSC<a title="January2012 page 17" href="http://viewer.zmags.com/publication/72ecd829?page=17">AdvertorialBest Practices in Globalization </a> AdvertorialBest Practices in Globalization <a title="January2012 page 18" href="http://viewer.zmags.com/publication/72ecd829?page=18">Product NewsSpotlightProperty/</a> Product NewsSpotlightProperty/<a title="January2012 page 19" href="http://viewer.zmags.com/publication/72ecd829?page=19">IndustryXXXXXXXXXXXXXXXXXXXX.XXXXXXXXXXXXX</a> IndustryXXXXXXXXXXXXXXXXXXXX.XXXXXXXXXXXXX<a title="January2012 page 20" href="http://viewer.zmags.com/publication/72ecd829?page=20">INNOVATORS SHOWCASE!MERICAN'ENERAL,IFE#OMPANIES</a> INNOVATORS SHOWCASE!MERICAN'ENERAL,IFE#OMPANIES<a title="January2012 page 21" href="http://viewer.zmags.com/publication/72ecd829?page=21">Life Insurance UnderwritingCrump Life Insu</a> Life Insurance UnderwritingCrump Life Insu<a title="January2012 page 22" href="http://viewer.zmags.com/publication/72ecd829?page=22">INNOVATORS SHOWCASEEastern Alliance Insurance G</a> INNOVATORS SHOWCASEEastern Alliance Insurance G<a title="January2012 page 23" href="http://viewer.zmags.com/publication/72ecd829?page=23">Risk ManagementFM GlobalRiskMarkINNOVAT</a> Risk ManagementFM GlobalRiskMarkINNOVAT<a title="January2012 page 24" href="http://viewer.zmags.com/publication/72ecd829?page=24">INNOVATORS SHOWCASELife UnderwritingHart</a> INNOVATORS SHOWCASELife UnderwritingHart<a title="January2012 page 25" href="http://viewer.zmags.com/publication/72ecd829?page=25">ACCESSIBLE RELIABLE ACCUR</a> ACCESSIBLE RELIABLE ACCUR<a title="January2012 page 26" href="http://viewer.zmags.com/publication/72ecd829?page=26">INNOVATORS SHOWCASELife UnderwritingHart</a> INNOVATORS SHOWCASELife UnderwritingHart<a title="January2012 page 27" href="http://viewer.zmags.com/publication/72ecd829?page=27">Commercial InsuranceLexington Insurance Co</a> Commercial InsuranceLexington Insurance Co<a title="January2012 page 28" href="http://viewer.zmags.com/publication/72ecd829?page=28">INNOVATORS SHOWCASERisk ManagementMedica</a> INNOVATORS SHOWCASERisk ManagementMedica<a title="January2012 page 29" href="http://viewer.zmags.com/publication/72ecd829?page=29">Life InsuranceMinnesota Life Insurance Co.</a> Life InsuranceMinnesota Life Insurance Co.<a title="January2012 page 30" href="http://viewer.zmags.com/publication/72ecd829?page=30">INNOVATORS SHOWCASEHomeowners InsuranceO</a> INNOVATORS SHOWCASEHomeowners InsuranceO<a title="January2012 page 31" href="http://viewer.zmags.com/publication/72ecd829?page=31">UnderwritingRGA Reinsurance Co.ASAP: Auto</a> UnderwritingRGA Reinsurance Co.ASAP: Auto<a title="January2012 page 32" href="http://viewer.zmags.com/publication/72ecd829?page=32">INNOVATORS SHOWCASEProperty/CasualtySafe</a> INNOVATORS SHOWCASEProperty/CasualtySafe<a title="January2012 page 33" href="http://viewer.zmags.com/publication/72ecd829?page=33">Knowledge and Innovation AppliedAnother Solution</a> Knowledge and Innovation AppliedAnother Solution<a title="January2012 page 34" href="http://viewer.zmags.com/publication/72ecd829?page=34">INNOVATORS SHOWCASETechnologyAmerican Ge</a> INNOVATORS SHOWCASETechnologyAmerican Ge<a title="January2012 page 35" href="http://viewer.zmags.com/publication/72ecd829?page=35">UnderwritingRGA Reinsurance Co.Prescripti</a> UnderwritingRGA Reinsurance Co.Prescripti<a title="January2012 page 36" href="http://viewer.zmags.com/publication/72ecd829?page=36">INNOVATORS SHOWCASEWestern World Insurance Co.</a> INNOVATORS SHOWCASEWestern World Insurance Co.<a title="January2012 page 37" href="http://viewer.zmags.com/publication/72ecd829?page=37"> THESTABILITYto navigate unevenlandscap</a> THESTABILITYto navigate unevenlandscap<a title="January2012 page 38" href="http://viewer.zmags.com/publication/72ecd829?page=38">Property/Casualty: IMAS CoverageMarketing'sNe</a> Property/Casualty: IMAS CoverageMarketing'sNe<a title="January2012 page 39" href="http://viewer.zmags.com/publication/72ecd829?page=39">Property/Casualty: IMAS Coverage</a> Property/Casualty: IMAS Coverage<a title="January2012 page 40" href="http://viewer.zmags.com/publication/72ecd829?page=40">Property/Casualty: IMAS CoverageAdding Humor</a> Property/Casualty: IMAS CoverageAdding Humor<a title="January2012 page 41" href="http://viewer.zmags.com/publication/72ecd829?page=41">2012PHLYAgentSummitGO TO WWW.PHLY.COM/SUMMITS TO</a> 2012PHLYAgentSummitGO TO WWW.PHLY.COM/SUMMITS TO<a title="January2012 page 42" href="http://viewer.zmags.com/publication/72ecd829?page=42">Property/Casualty: IMAS CoverageNew York Lif</a> Property/Casualty: IMAS CoverageNew York Lif<a title="January2012 page 43" href="http://viewer.zmags.com/publication/72ecd829?page=43">Squashing the `Size' Stigma:Rebranding a Midsize</a> Squashing the `Size' Stigma:Rebranding a Midsize<a title="January2012 page 44" href="http://viewer.zmags.com/publication/72ecd829?page=44">Property/Casualty: IMAS CoverageMessaging Th</a> Property/Casualty: IMAS CoverageMessaging Th<a title="January2012 page 45" href="http://viewer.zmags.com/publication/72ecd829?page=45">HighlightsThe Downside of Social: Communicatin</a> HighlightsThe Downside of Social: Communicatin<a title="January2012 page 46" href="http://viewer.zmags.com/publication/72ecd829?page=46">Regulatory/Law: Auditors and ActuariesAcquiring</a> Regulatory/Law: Auditors and ActuariesAcquiring<a title="January2012 page 47" href="http://viewer.zmags.com/publication/72ecd829?page=47">Top Audit Firms Ranked by NPWMarket2010 </a> Top Audit Firms Ranked by NPWMarket2010 <a title="January2012 page 48" href="http://viewer.zmags.com/publication/72ecd829?page=48">Regulatory/Law: Auditors and ActuariesTop Au</a> Regulatory/Law: Auditors and ActuariesTop Au<a title="January2012 page 49" href="http://viewer.zmags.com/publication/72ecd829?page=49"></a> <a title="January2012 page 50" href="http://viewer.zmags.com/publication/72ecd829?page=50">Agent/Broker: Social MediaAvoidingSocialMedi</a> Agent/Broker: Social MediaAvoidingSocialMedi<a title="January2012 page 51" href="http://viewer.zmags.com/publication/72ecd829?page=51">PROFESSIONALS IMPROVE THEIR SEARCHENGINEPOSITION</a> PROFESSIONALS IMPROVE THEIR SEARCHENGINEPOSITION<a title="January2012 page 52" href="http://viewer.zmags.com/publication/72ecd829?page=52">Agent/Broker: Social MediaSocial Media Do's an</a> Agent/Broker: Social MediaSocial Media Do's an<a title="January2012 page 53" href="http://viewer.zmags.com/publication/72ecd829?page=53"> We'll protect you before a PR crisis happens, </a> We'll protect you before a PR crisis happens, <a title="January2012 page 54" href="http://viewer.zmags.com/publication/72ecd829?page=54">Health/Employee Benefits: Compliance Requirement</a> Health/Employee Benefits: Compliance Requirement<a title="January2012 page 55" href="http://viewer.zmags.com/publication/72ecd829?page=55">Rules </a> Rules <a title="January2012 page 56" href="http://viewer.zmags.com/publication/72ecd829?page=56">Life: Estate PlanningReluctanttoActEstate pl</a> Life: Estate PlanningReluctanttoActEstate pl<a title="January2012 page 57" href="http://viewer.zmags.com/publication/72ecd829?page=57"> MILLION OR EVEN MILLIONDEATHBENEFIT h"UT </a> MILLION OR EVEN MILLIONDEATHBENEFIT h"UT <a title="January2012 page 58" href="http://viewer.zmags.com/publication/72ecd829?page=58">Life: Estate Planningeducations of children</a> Life: Estate Planningeducations of children<a title="January2012 page 59" href="http://viewer.zmags.com/publication/72ecd829?page=59">Life: Selling InsightByRonald D. Verzone</a> Life: Selling InsightByRonald D. Verzone<a title="January2012 page 60" href="http://viewer.zmags.com/publication/72ecd829?page=60">Property/Casualty: Top Global InsurersWorld'</a> Property/Casualty: Top Global InsurersWorld'<a title="January2012 page 61" href="http://viewer.zmags.com/publication/72ecd829?page=61">Agent/Broker: Specialty ProducerBuilding on Hi</a> Agent/Broker: Specialty ProducerBuilding on Hi<a title="January2012 page 62" href="http://viewer.zmags.com/publication/72ecd829?page=62">Agent/Broker: Selling InsightAud</a> Agent/Broker: Selling InsightAud<a title="January2012 page 63" href="http://viewer.zmags.com/publication/72ecd829?page=63">One Stop for All of Your Insurance NewsBest's I</a> One Stop for All of Your Insurance NewsBest's I<a title="January2012 page 64" href="http://viewer.zmags.com/publication/72ecd829?page=64">Property/Casualty: Mutual InsurersDownwardPre</a> Property/Casualty: Mutual InsurersDownwardPre<a title="January2012 page 65" href="http://viewer.zmags.com/publication/72ecd829?page=65">“Rather than incur the administrativeoverhead an</a> “Rather than incur the administrativeoverhead an<a title="January2012 page 66" href="http://viewer.zmags.com/publication/72ecd829?page=66">Property/Casualty: Loss/Risk Management</a> Property/Casualty: Loss/Risk Management<a title="January2012 page 67" href="http://viewer.zmags.com/publication/72ecd829?page=67">What do the Magna Carta </a> What do the Magna Carta <a title="January2012 page 68" href="http://viewer.zmags.com/publication/72ecd829?page=68">Reinsurance/Capital Markets: Reinsurance Renewal</a> Reinsurance/Capital Markets: Reinsurance Renewal<a title="January2012 page 69" href="http://viewer.zmags.com/publication/72ecd829?page=69">excess capital now compared withyear-end 2010, a</a> excess capital now compared withyear-end 2010, a<a title="January2012 page 70" href="http://viewer.zmags.com/publication/72ecd829?page=70">Property/Casualty: WebinarAsset Manage</a> Property/Casualty: WebinarAsset Manage<a title="January2012 page 71" href="http://viewer.zmags.com/publication/72ecd829?page=71"></a> <a title="January2012 page 72" href="http://viewer.zmags.com/publication/72ecd829?page=72">Technology: Policy AdministrationReplacement</a> Technology: Policy AdministrationReplacement<a title="January2012 page 73" href="http://viewer.zmags.com/publication/72ecd829?page=73">maturity of the vendor landscape,”)LYAS SAID !LT</a> maturity of the vendor landscape,”)LYAS SAID !LT<a title="January2012 page 74" href="http://viewer.zmags.com/publication/72ecd829?page=74">Technology: Policy Administrationvendor or ar</a> Technology: Policy Administrationvendor or ar<a title="January2012 page 75" href="http://viewer.zmags.com/publication/72ecd829?page=75">ByChristopher R.BakerAudio:Listen to</a> ByChristopher R.BakerAudio:Listen to<a title="January2012 page 76" href="http://viewer.zmags.com/publication/72ecd829?page=76">Property/Casualty: WebinarThe State of </a> Property/Casualty: WebinarThe State of <a title="January2012 page 77" href="http://viewer.zmags.com/publication/72ecd829?page=77">Property/Casualty: Underwriting InsightBy </a> Property/Casualty: Underwriting InsightBy <a title="January2012 page 78" href="http://viewer.zmags.com/publication/72ecd829?page=78">Regulatory/Law: Data BreachesBranchingOutDa</a> Regulatory/Law: Data BreachesBranchingOutDa<a title="January2012 page 79" href="http://viewer.zmags.com/publication/72ecd829?page=79">growth in the market for specializedCOVERAGE!ND </a> growth in the market for specializedCOVERAGE!ND <a title="January2012 page 80" href="http://viewer.zmags.com/publication/72ecd829?page=80">Regulatory/Law: Legal InsightByAlan Rutkin</a> Regulatory/Law: Legal InsightByAlan Rutkin<a title="January2012 page 81" href="http://viewer.zmags.com/publication/72ecd829?page=81">Technology: WebinarWhat Midsize Companie</a> Technology: WebinarWhat Midsize Companie<a title="January2012 page 82" href="http://viewer.zmags.com/publication/72ecd829?page=82">CompaniesPICC Teams With China Energy Produce</a> CompaniesPICC Teams With China Energy Produce<a title="January2012 page 83" href="http://viewer.zmags.com/publication/72ecd829?page=83">RatingsRating ActionsT </a> RatingsRating ActionsT <a title="January2012 page 84" href="http://viewer.zmags.com/publication/72ecd829?page=84">RatingsRatingActionBusinessTypeCompan</a> RatingsRatingActionBusinessTypeCompan<a title="January2012 page 85" href="http://viewer.zmags.com/publication/72ecd829?page=85">RatingsRatingActionBusinessTypeCompan</a> RatingsRatingActionBusinessTypeCompan<a title="January2012 page 86" href="http://viewer.zmags.com/publication/72ecd829?page=86">RatingsRatingActionBusinessTypeCompan</a> RatingsRatingActionBusinessTypeCompan<a title="January2012 page 87" href="http://viewer.zmags.com/publication/72ecd829?page=87">RatingsRatingActionBusinessTypeCompan</a> RatingsRatingActionBusinessTypeCompan<a title="January2012 page 88" href="http://viewer.zmags.com/publication/72ecd829?page=88">RatingsTheGlobalSymbolofFinancialStren</a> RatingsTheGlobalSymbolofFinancialStren<a title="January2012 page 89" href="http://viewer.zmags.com/publication/72ecd829?page=89">Advertisers IndexEditorial Calendar: Looking A</a> Advertisers IndexEditorial Calendar: Looking A<a title="January2012 page 90" href="http://viewer.zmags.com/publication/72ecd829?page=90">The Last WordAllianz takes an equity stake in </a> The Last WordAllianz takes an equity stake in <a title="January2012 page 91" href="http://viewer.zmags.com/publication/72ecd829?page=91">Your enterprise content management system can con</a> Your enterprise content management system can con<a title="January2012 page 92" href="http://viewer.zmags.com/publication/72ecd829?page=92">GOT A CLIENT OTHER SURETIES HAVE LEFT HIGH AN</a> GOT A CLIENT OTHER SURETIES HAVE LEFT HIGH AN