<br /> www.bestreview.com<br /> September 2014<br /> Issues & Answers:<br /> Specialty Lines, Pages 47-63<br /> A.M. Best's Monthly Insurance Magazine<br /> gazine<br /> Former NFL quarterback Boomer Esiason<br /> at WFAN studios in New York City.<br /> Boomer Esiason<br /> returns as<br /> spokesperson for<br /> Life Insurance<br /> Awareness Month.<br /> Page 16<br /> A.M. Best Rankings:<br /> U.S. Life/Health Insurers<br /> By Lines of Business PAGE 20<br /> Top 50 Global Re Groups PAGE 46<br /> How Young Agents Are Changing<br /> The Insurance Business<br /> PAGE 67<br /> <br /> Monthly Insurance News Magazine<br /> Published by A.M. Best Company<br /> BEST'S REVIEW<br /> CHAIRMAN & PRESIDENT Arthur Snyder III<br /> EXECUTIVE VICE PRESIDENT Larry G. Mayewski<br /> EXECUTIVE VICE PRESIDENT Paul C. Tinnirello<br /> SENIOR VICE PRESIDENTS Douglas A. Collett, Matthew C. Mosher,<br /> <a title="BestReview - September 2014 Edition page 1" href="http://viewer.zmags.com/publication/a0d0b17c?page=1"> www.bestreview.com September 2014 Issues & Answ</a> <a title="BestReview - September 2014 Edition page 2" href="http://viewer.zmags.com/publication/a0d0b17c?page=2"> </a> <a title="BestReview - September 2014 Edition page 3" href="http://viewer.zmags.com/publication/a0d0b17c?page=3"> Monthly Insurance News Magazine Published by A.M</a> <a title="BestReview - September 2014 Edition page 4" href="http://viewer.zmags.com/publication/a0d0b17c?page=4"> APPLIED PROTECTS THE TITANS OF INDUSTRY. </a> <a title="BestReview - September 2014 Edition page 5" href="http://viewer.zmags.com/publication/a0d0b17c?page=5"> Accepting large workers' compensation risks. Most</a> <a title="BestReview - September 2014 Edition page 6" href="http://viewer.zmags.com/publication/a0d0b17c?page=6"> Contents Cover design by Andrew Crespo, Cover pho</a> <a title="BestReview - September 2014 Edition page 7" href="http://viewer.zmags.com/publication/a0d0b17c?page=7"> This isn't the way to buy a car. And it's no way </a> <a title="BestReview - September 2014 Edition page 8" href="http://viewer.zmags.com/publication/a0d0b17c?page=8"> Contents, continued AGENT/BROKER 67 THE YOUNG</a> <a title="BestReview - September 2014 Edition page 9" href="http://viewer.zmags.com/publication/a0d0b17c?page=9"> Your resolve Our resources They can </a> <a title="BestReview - September 2014 Edition page 10" href="http://viewer.zmags.com/publication/a0d0b17c?page=10"> ONLINE http://www.bestreview.com Upcoming Best's</a> <a title="BestReview - September 2014 Edition page 11" href="http://viewer.zmags.com/publication/a0d0b17c?page=11"> 70 * We know our markets. * percent less </a> <a title="BestReview - September 2014 Edition page 12" href="http://viewer.zmags.com/publication/a0d0b17c?page=12"> Video and Audio from the A.M. Best Company </a> <a title="BestReview - September 2014 Edition page 13" href="http://viewer.zmags.com/publication/a0d0b17c?page=13"> People in Insurance Insurance Jobs The U.S. insur</a> <a title="BestReview - September 2014 Edition page 14" href="http://viewer.zmags.com/publication/a0d0b17c?page=14"> People in Insurance European insurance and rein</a> <a title="BestReview - September 2014 Edition page 15" href="http://viewer.zmags.com/publication/a0d0b17c?page=15"> HIS BRIGHT FUTURE IS WHY WE'VE SUPPORTED KIDS' ED</a> <a title="BestReview - September 2014 Edition page 16" href="http://viewer.zmags.com/publication/a0d0b17c?page=16"> Insurance Marketing Join Us! The Marketing of</a> <a title="BestReview - September 2014 Edition page 17" href="http://viewer.zmags.com/publication/a0d0b17c?page=17"> IMAGINE: CONFIDENCE IN THE NUMBERS. </a> <a title="BestReview - September 2014 Edition page 18" href="http://viewer.zmags.com/publication/a0d0b17c?page=18"> Life TALKING SPORTS: Former NFL quart</a> <a title="BestReview - September 2014 Edition page 19" href="http://viewer.zmags.com/publication/a0d0b17c?page=19"> of life insurance for this year’s LIAM. Esiaso</a> <a title="BestReview - September 2014 Edition page 20" href="http://viewer.zmags.com/publication/a0d0b17c?page=20"> Life Only Time Will Tell Eyes are fixed on whet</a> <a title="BestReview - September 2014 Edition page 21" href="http://viewer.zmags.com/publication/a0d0b17c?page=21"> investors,” Roper noted.“So it will be harder to </a> <a title="BestReview - September 2014 Edition page 22" href="http://viewer.zmags.com/publication/a0d0b17c?page=22"> Life about a flood of new claims against invest</a> <a title="BestReview - September 2014 Edition page 23" href="http://viewer.zmags.com/publication/a0d0b17c?page=23"> U.S. Life/Health — 2013 Total Life Issued Ranked </a> <a title="BestReview - September 2014 Edition page 24" href="http://viewer.zmags.com/publication/a0d0b17c?page=24"> Life U.S. Life/Health — 2013 Group Life Issued </a> <a title="BestReview - September 2014 Edition page 25" href="http://viewer.zmags.com/publication/a0d0b17c?page=25"> WHOLE LIFE JUST GOT A WHOLE LOT EASIER TO EXPLAIN</a> <a title="BestReview - September 2014 Edition page 26" href="http://viewer.zmags.com/publication/a0d0b17c?page=26"> Life U.S. Life/Health — 2013 Term Life Issued R</a> <a title="BestReview - September 2014 Edition page 27" href="http://viewer.zmags.com/publication/a0d0b17c?page=27"> Ensure You Stand Out. © 2014 American Inst</a> <a title="BestReview - September 2014 Edition page 28" href="http://viewer.zmags.com/publication/a0d0b17c?page=28"> Life A New Response Hybrid life insurance/long-te</a> <a title="BestReview - September 2014 Edition page 29" href="http://viewer.zmags.com/publication/a0d0b17c?page=29"> Key Questions Concerning Product/Rider Design A n</a> <a title="BestReview - September 2014 Edition page 30" href="http://viewer.zmags.com/publication/a0d0b17c?page=30"> Life (Continued from page 26) Lapse Assumptions</a> <a title="BestReview - September 2014 Edition page 31" href="http://viewer.zmags.com/publication/a0d0b17c?page=31"> OVERARCHING SOLUTIONS SUPPORT </a> <a title="BestReview - September 2014 Edition page 32" href="http://viewer.zmags.com/publication/a0d0b17c?page=32"> Life Figure 3 In-force Face Amount 100% 90% 80</a> <a title="BestReview - September 2014 Edition page 33" href="http://viewer.zmags.com/publication/a0d0b17c?page=33"> Life POTENTIAL CUSTOMER? When it comes to prosp</a> <a title="BestReview - September 2014 Edition page 34" href="http://viewer.zmags.com/publication/a0d0b17c?page=34"> Life these are just high-income consum- ers. Bu</a> <a title="BestReview - September 2014 Edition page 35" href="http://viewer.zmags.com/publication/a0d0b17c?page=35"> make a winning proposal to get them back. Offer m</a> <a title="BestReview - September 2014 Edition page 36" href="http://viewer.zmags.com/publication/a0d0b17c?page=36"> Technology Navigating A New Landscape How li</a> <a title="BestReview - September 2014 Edition page 37" href="http://viewer.zmags.com/publication/a0d0b17c?page=37"> big data. In the United States, the Fair Credit R</a> <a title="BestReview - September 2014 Edition page 38" href="http://viewer.zmags.com/publication/a0d0b17c?page=38"> Technology against consumers. Applicants for wh</a> <a title="BestReview - September 2014 Edition page 39" href="http://viewer.zmags.com/publication/a0d0b17c?page=39"> Asset Management Longer Lives, Bigger Issues Fo</a> <a title="BestReview - September 2014 Edition page 40" href="http://viewer.zmags.com/publication/a0d0b17c?page=40"> Asset Management Finding Reliable Data Insur</a> <a title="BestReview - September 2014 Edition page 41" href="http://viewer.zmags.com/publication/a0d0b17c?page=41"> ADVERTISEMENT CONNversations Smart thinking from</a> <a title="BestReview - September 2014 Edition page 42" href="http://viewer.zmags.com/publication/a0d0b17c?page=42"> Asset Management looks like from a mortality/lo</a> <a title="BestReview - September 2014 Edition page 43" href="http://viewer.zmags.com/publication/a0d0b17c?page=43"> mark-to-market accounting, the effect of these in</a> <a title="BestReview - September 2014 Edition page 44" href="http://viewer.zmags.com/publication/a0d0b17c?page=44"> Life Selling S </a> <a title="BestReview - September 2014 Edition page 45" href="http://viewer.zmags.com/publication/a0d0b17c?page=45"> Reinsurance/Capital Markets Murky Weather Ahead </a> <a title="BestReview - September 2014 Edition page 46" href="http://viewer.zmags.com/publication/a0d0b17c?page=46"> Reinsurance/Capital Markets buyers. Strong appe</a> <a title="BestReview - September 2014 Edition page 47" href="http://viewer.zmags.com/publication/a0d0b17c?page=47"> or full privatization of the National Flood Insur</a> <a title="BestReview - September 2014 Edition page 48" href="http://viewer.zmags.com/publication/a0d0b17c?page=48"> Reinsurance/Capital Markets Top 50 Global Reinsu</a> <a title="BestReview - September 2014 Edition page 49" href="http://viewer.zmags.com/publication/a0d0b17c?page=49"> Special Advertising Section BEST'S REVIEW® ISSUE</a> <a title="BestReview - September 2014 Edition page 50" href="http://viewer.zmags.com/publication/a0d0b17c?page=50"> It takes a hard shell to protect you from the </a> <a title="BestReview - September 2014 Edition page 51" href="http://viewer.zmags.com/publication/a0d0b17c?page=51"> Special Advertising Section Issues & Answers R</a> <a title="BestReview - September 2014 Edition page 52" href="http://viewer.zmags.com/publication/a0d0b17c?page=52"> EXPECT MORE with Western Heritage At Western H</a> <a title="BestReview - September 2014 Edition page 53" href="http://viewer.zmags.com/publication/a0d0b17c?page=53"> Special Advertising Section Issues & Answers In</a> <a title="BestReview - September 2014 Edition page 54" href="http://viewer.zmags.com/publication/a0d0b17c?page=54"> FUTURE-READY We have the expertise and creativi</a> <a title="BestReview - September 2014 Edition page 55" href="http://viewer.zmags.com/publication/a0d0b17c?page=55"> Special Advertising Section Issues & Answers Sc</a> <a title="BestReview - September 2014 Edition page 56" href="http://viewer.zmags.com/publication/a0d0b17c?page=56"> EXPERTISE the skill and strength that protects y</a> <a title="BestReview - September 2014 Edition page 57" href="http://viewer.zmags.com/publication/a0d0b17c?page=57"> Special Advertising Section Issues & Answers C</a> <a title="BestReview - September 2014 Edition page 58" href="http://viewer.zmags.com/publication/a0d0b17c?page=58"> " !$ "$ "$ $#$# $ # $!$ #!" </a> <a title="BestReview - September 2014 Edition page 59" href="http://viewer.zmags.com/publication/a0d0b17c?page=59"> Special Advertising Section Issues & Answers V</a> <a title="BestReview - September 2014 Edition page 60" href="http://viewer.zmags.com/publication/a0d0b17c?page=60"> Nature is unpredictable. Insurance shouldn't be. </a> <a title="BestReview - September 2014 Edition page 61" href="http://viewer.zmags.com/publication/a0d0b17c?page=61"> Special Advertising Section Issues & Answers G</a> <a title="BestReview - September 2014 Edition page 62" href="http://viewer.zmags.com/publication/a0d0b17c?page=62"> SMALL BUSINESS INSURANCE BUILT BETTER </a> <a title="BestReview - September 2014 Edition page 63" href="http://viewer.zmags.com/publication/a0d0b17c?page=63"> Special Advertising Section Issues & Answers P</a> <a title="BestReview - September 2014 Edition page 64" href="http://viewer.zmags.com/publication/a0d0b17c?page=64"> A data breach is costly. Your customer's reputati</a> <a title="BestReview - September 2014 Edition page 65" href="http://viewer.zmags.com/publication/a0d0b17c?page=65"> Special Advertising Section Issues & Answers B</a> <a title="BestReview - September 2014 Edition page 66" href="http://viewer.zmags.com/publication/a0d0b17c?page=66"> Technology EYEING UP A CLAIM: A Nati</a> <a title="BestReview - September 2014 Edition page 67" href="http://viewer.zmags.com/publication/a0d0b17c?page=67"> and witnesses,” Benton said. In addition, Gla</a> <a title="BestReview - September 2014 Edition page 68" href="http://viewer.zmags.com/publication/a0d0b17c?page=68"> Technology “If one out of 10 people wear Google</a> <a title="BestReview - September 2014 Edition page 69" href="http://viewer.zmags.com/publication/a0d0b17c?page=69"> Agent/Broker The Young and the Restless The cha</a> <a title="BestReview - September 2014 Edition page 70" href="http://viewer.zmags.com/publication/a0d0b17c?page=70"> Agent/Broker “There's a counseling role in being </a> <a title="BestReview - September 2014 Edition page 71" href="http://viewer.zmags.com/publication/a0d0b17c?page=71"> Spotting risk should be part of your manufacturin</a> <a title="BestReview - September 2014 Edition page 72" href="http://viewer.zmags.com/publication/a0d0b17c?page=72"> Agent/Broker “The carrier side is where you get h</a> <a title="BestReview - September 2014 Edition page 73" href="http://viewer.zmags.com/publication/a0d0b17c?page=73"> to Brian Appleton, who with Cass co- FOUNDED4HE '</a> <a title="BestReview - September 2014 Edition page 74" href="http://viewer.zmags.com/publication/a0d0b17c?page=74"> Property/Casualty Loss/Risk Management </a> <a title="BestReview - September 2014 Edition page 75" href="http://viewer.zmags.com/publication/a0d0b17c?page=75"> Property/Casualty Don't Be Too Sure Three `cle</a> <a title="BestReview - September 2014 Edition page 76" href="http://viewer.zmags.com/publication/a0d0b17c?page=76"> Property/Casualty made against the insured duri</a> <a title="BestReview - September 2014 Edition page 77" href="http://viewer.zmags.com/publication/a0d0b17c?page=77"> now be clear. Questions will con- tinue to be rai</a> <a title="BestReview - September 2014 Edition page 78" href="http://viewer.zmags.com/publication/a0d0b17c?page=78"> Property/Casualty disclosed to the insurer at t</a> <a title="BestReview - September 2014 Edition page 79" href="http://viewer.zmags.com/publication/a0d0b17c?page=79"> Choose Orange Every day thousands of insurance a</a> <a title="BestReview - September 2014 Edition page 80" href="http://viewer.zmags.com/publication/a0d0b17c?page=80"> Regulatory/Law I </a> <a title="BestReview - September 2014 Edition page 81" href="http://viewer.zmags.com/publication/a0d0b17c?page=81"> Agent/Broker Living Environmental regulations an</a> <a title="BestReview - September 2014 Edition page 82" href="http://viewer.zmags.com/publication/a0d0b17c?page=82"> Agent/Broker It depends on the work. Residen- t</a> <a title="BestReview - September 2014 Edition page 83" href="http://viewer.zmags.com/publication/a0d0b17c?page=83"> OCEAN MARINE CONSTRUCTION ENERGY PROPERTY GENE</a> <a title="BestReview - September 2014 Edition page 84" href="http://viewer.zmags.com/publication/a0d0b17c?page=84"> Agent/Broker Selling Keith Storie </a> <a title="BestReview - September 2014 Edition page 85" href="http://viewer.zmags.com/publication/a0d0b17c?page=85"> Join Us! The Marketing of Insurance Th M </a> <a title="BestReview - September 2014 Edition page 86" href="http://viewer.zmags.com/publication/a0d0b17c?page=86"> Feature Microinsurance Reaches a Tipping Poin</a> <a title="BestReview - September 2014 Edition page 87" href="http://viewer.zmags.com/publication/a0d0b17c?page=87"> to completely rethink traditional insurance proce</a> <a title="BestReview - September 2014 Edition page 88" href="http://viewer.zmags.com/publication/a0d0b17c?page=88"> Feature The Impact of MICROINSURANCE A review</a> <a title="BestReview - September 2014 Edition page 89" href="http://viewer.zmags.com/publication/a0d0b17c?page=89"> Increase in the utilization of health care servic</a> <a title="BestReview - September 2014 Edition page 90" href="http://viewer.zmags.com/publication/a0d0b17c?page=90"> Feature (continued from page 85) an important, </a> <a title="BestReview - September 2014 Edition page 91" href="http://viewer.zmags.com/publication/a0d0b17c?page=91"> Fast Access to Loss Reserve Data, Plus Analytical</a> <a title="BestReview - September 2014 Edition page 92" href="http://viewer.zmags.com/publication/a0d0b17c?page=92"> Property/Casualty Underwriting </a> <a title="BestReview - September 2014 Edition page 93" href="http://viewer.zmags.com/publication/a0d0b17c?page=93"> Feature Want More LOYAL Customers? Go `digic</a> <a title="BestReview - September 2014 Edition page 94" href="http://viewer.zmags.com/publication/a0d0b17c?page=94"> Feature Figure 1 Net Promoter Score (P/C) Withi</a> <a title="BestReview - September 2014 Edition page 95" href="http://viewer.zmags.com/publication/a0d0b17c?page=95"> While understanding customers' behavior and ea</a> <a title="BestReview - September 2014 Edition page 96" href="http://viewer.zmags.com/publication/a0d0b17c?page=96"> Feature customers in particular place a high va</a> <a title="BestReview - September 2014 Edition page 97" href="http://viewer.zmags.com/publication/a0d0b17c?page=97"> Feature A Multi-Pronged Approach China's F</a> <a title="BestReview - September 2014 Edition page 98" href="http://viewer.zmags.com/publication/a0d0b17c?page=98"> Technology Tools of The Trade Intuitive and ful</a> <a title="BestReview - September 2014 Edition page 99" href="http://viewer.zmags.com/publication/a0d0b17c?page=99"> Refine your analysis. Uncover the core elements </a> <a title="BestReview - September 2014 Edition page 100" href="http://viewer.zmags.com/publication/a0d0b17c?page=100"> Technology They want to get to the root of what</a> <a title="BestReview - September 2014 Edition page 101" href="http://viewer.zmags.com/publication/a0d0b17c?page=101"> Winston-Salem, N.C., that may be a discrepancy th</a> <a title="BestReview - September 2014 Edition page 102" href="http://viewer.zmags.com/publication/a0d0b17c?page=102"> Technology I </a> <a title="BestReview - September 2014 Edition page 103" href="http://viewer.zmags.com/publication/a0d0b17c?page=103"> Technology Building Model Trust Strong model ris</a> <a title="BestReview - September 2014 Edition page 104" href="http://viewer.zmags.com/publication/a0d0b17c?page=104"> Technology and approvals before implementa- tio</a> <a title="BestReview - September 2014 Edition page 105" href="http://viewer.zmags.com/publication/a0d0b17c?page=105"> Thereafter, the validator prepares a model v</a> <a title="BestReview - September 2014 Edition page 106" href="http://viewer.zmags.com/publication/a0d0b17c?page=106"> Best's Credit Rating Actions Best's Credit Rat</a> <a title="BestReview - September 2014 Edition page 107" href="http://viewer.zmags.com/publication/a0d0b17c?page=107"> Rating Action Business Type Company Name/ Ultim</a> <a title="BestReview - September 2014 Edition page 108" href="http://viewer.zmags.com/publication/a0d0b17c?page=108"> Best's Credit Rating Actions Rating Action </a> <a title="BestReview - September 2014 Edition page 109" href="http://viewer.zmags.com/publication/a0d0b17c?page=109"> The Global Symbol of Financial Strength i </a> <a title="BestReview - September 2014 Edition page 110" href="http://viewer.zmags.com/publication/a0d0b17c?page=110"> Companies Wave of Hurricanes That Rocked Cat Ma</a> <a title="BestReview - September 2014 Edition page 111" href="http://viewer.zmags.com/publication/a0d0b17c?page=111"> said major catastrophe losses, like a recurrence </a> <a title="BestReview - September 2014 Edition page 112" href="http://viewer.zmags.com/publication/a0d0b17c?page=112"> Companies State University; Michael Consedine,</a> <a title="BestReview - September 2014 Edition page 113" href="http://viewer.zmags.com/publication/a0d0b17c?page=113"> Advertisers Index Editorial Calendar: Looking Ah</a> <a title="BestReview - September 2014 Edition page 114" href="http://viewer.zmags.com/publication/a0d0b17c?page=114"> The Last Word Lockton Cos. helps navigate a mon</a> <a title="BestReview - September 2014 Edition page 115" href="http://viewer.zmags.com/publication/a0d0b17c?page=115"> productivity feeling at home Homewood S</a> <a title="BestReview - September 2014 Edition page 116" href="http://viewer.zmags.com/publication/a0d0b17c?page=116"> Thi nk Again . Our terms may be easie</a>