<br /> www.bestreview.com<br /> January 2011<br /> Monthly Insurance News Magazine Insurers · Agents & Brokers · Reinsurers<br /> Monthly Insurance News Magazine Insurers · Agents & Brokers · Reinsurers<br /> Hot Markets for<br /> Specialty Producers<br /> PAGE 44<br /> Will 2011 See IT Budgets<br /> Shrink or Grow?<br /> PAGE 39<br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> ! ! " #$ <br /> " % & ! " ! <br /> ' <br /> ( )*++ ! ! , -<br /> INDESIGN_AD_TEMPLATE.indd 1 <a title="JANUARY 2011.pdf page 1" href="http://viewer.zmags.com/publication/a1b0fbb9?page=1"> www.bestreview.com January 2011 Monthly Ins</a> <a title="JANUARY 2011.pdf page 2" href="http://viewer.zmags.com/publication/a1b0fbb9?page=2"> </a> <a title="JANUARY 2011.pdf page 3" href="http://viewer.zmags.com/publication/a1b0fbb9?page=3"> Published by A.M. Best Company BEST'S REVIEW </a> <a title="JANUARY 2011.pdf page 4" href="http://viewer.zmags.com/publication/a1b0fbb9?page=4"> Contents BEST'S REVIEW January 2011 V</a> <a title="JANUARY 2011.pdf page 5" href="http://viewer.zmags.com/publication/a1b0fbb9?page=5"> Thank you to our clients, their brokers, </a> <a title="JANUARY 2011.pdf page 6" href="http://viewer.zmags.com/publication/a1b0fbb9?page=6"> Advertorial The Jury Is in on the Value of Detai</a> <a title="JANUARY 2011.pdf page 7" href="http://viewer.zmags.com/publication/a1b0fbb9?page=7"> Advertorial accounts payable systems is vital</a> <a title="JANUARY 2011.pdf page 8" href="http://viewer.zmags.com/publication/a1b0fbb9?page=8"> Health Insurance Claim Form Las Name </a> <a title="JANUARY 2011.pdf page 9" href="http://viewer.zmags.com/publication/a1b0fbb9?page=9"> %' %/&% & / </a> <a title="JANUARY 2011.pdf page 10" href="http://viewer.zmags.com/publication/a1b0fbb9?page=10"> INSIGHT COLUMNS AGENT/BROKER SELLING </a> <a title="JANUARY 2011.pdf page 11" href="http://viewer.zmags.com/publication/a1b0fbb9?page=11"> INDESIGN_AD_TEMPLATE.indd 1 </a> <a title="JANUARY 2011.pdf page 12" href="http://viewer.zmags.com/publication/a1b0fbb9?page=12"> http://www.bestreview.com DIG DEEPER ISSUES & A</a> <a title="JANUARY 2011.pdf page 13" href="http://viewer.zmags.com/publication/a1b0fbb9?page=13"> Research BEST'S SPECIAL REPORT </a> <a title="JANUARY 2011.pdf page 14" href="http://viewer.zmags.com/publication/a1b0fbb9?page=14"> Research BEST'S SPECIAL REPORT </a> <a title="JANUARY 2011.pdf page 15" href="http://viewer.zmags.com/publication/a1b0fbb9?page=15"> Employment Briefing Insurance Jobs The U.S. ins</a> <a title="JANUARY 2011.pdf page 16" href="http://viewer.zmags.com/publication/a1b0fbb9?page=16"> People in Insurance Life V PATRICK B.</a> <a title="JANUARY 2011.pdf page 17" href="http://viewer.zmags.com/publication/a1b0fbb9?page=17"> has promoted three long-time Chubb executives: </a> <a title="JANUARY 2011.pdf page 18" href="http://viewer.zmags.com/publication/a1b0fbb9?page=18"> Insurance Marketing O T 5 P Creating a Stro</a> <a title="JANUARY 2011.pdf page 19" href="http://viewer.zmags.com/publication/a1b0fbb9?page=19"> Product News Spotlight Property/Ca</a> <a title="JANUARY 2011.pdf page 20" href="http://viewer.zmags.com/publication/a1b0fbb9?page=20"> Ratings Rating Actions T his ed</a> <a title="JANUARY 2011.pdf page 21" href="http://viewer.zmags.com/publication/a1b0fbb9?page=21"> Ratings Changed (continued) Rating </a> <a title="JANUARY 2011.pdf page 22" href="http://viewer.zmags.com/publication/a1b0fbb9?page=22"> IMAS Coverage Property/Casualty Kim Bjorheim for</a> <a title="JANUARY 2011.pdf page 23" href="http://viewer.zmags.com/publication/a1b0fbb9?page=23"> A s the role of marketing becomes</a> <a title="JANUARY 2011.pdf page 24" href="http://viewer.zmags.com/publication/a1b0fbb9?page=24"> Secrets to Marketing Success W hat's</a> <a title="JANUARY 2011.pdf page 25" href="http://viewer.zmags.com/publication/a1b0fbb9?page=25"> IMAS Coverage Property/Casualty provide busines</a> <a title="JANUARY 2011.pdf page 26" href="http://viewer.zmags.com/publication/a1b0fbb9?page=26"> Moving Into New Ground F or more than </a> <a title="JANUARY 2011.pdf page 27" href="http://viewer.zmags.com/publication/a1b0fbb9?page=27"> IMAS Coverage Property/Casualty Highlights The</a> <a title="JANUARY 2011.pdf page 28" href="http://viewer.zmags.com/publication/a1b0fbb9?page=28"> Workers' Compensation Property/Casualty A</a> <a title="JANUARY 2011.pdf page 29" href="http://viewer.zmags.com/publication/a1b0fbb9?page=29"> writer that has a singular focus on the self-insu</a> <a title="JANUARY 2011.pdf page 30" href="http://viewer.zmags.com/publication/a1b0fbb9?page=30"> throw that help to clients if they want it, even </a> <a title="JANUARY 2011.pdf page 31" href="http://viewer.zmags.com/publication/a1b0fbb9?page=31"> Workers' Compensation Property/Casualty “We a</a> <a title="JANUARY 2011.pdf page 32" href="http://viewer.zmags.com/publication/a1b0fbb9?page=32"> Health Care Reform Agent/Broker Reeling in R</a> <a title="JANUARY 2011.pdf page 33" href="http://viewer.zmags.com/publication/a1b0fbb9?page=33"> going to suffer.They will have to find other valu</a> <a title="JANUARY 2011.pdf page 34" href="http://viewer.zmags.com/publication/a1b0fbb9?page=34"> act. “And we're seeing concerns about the pote</a> <a title="JANUARY 2011.pdf page 35" href="http://viewer.zmags.com/publication/a1b0fbb9?page=35"> Health Care Reform Agent/Broker Also, agents</a> <a title="JANUARY 2011.pdf page 36" href="http://viewer.zmags.com/publication/a1b0fbb9?page=36"> Outlook for 2011 Reinsurance/Capital Markets Ne</a> <a title="JANUARY 2011.pdf page 37" href="http://viewer.zmags.com/publication/a1b0fbb9?page=37"> Nick Frankland, CEO of European operations f</a> <a title="JANUARY 2011.pdf page 38" href="http://viewer.zmags.com/publication/a1b0fbb9?page=38"> Claims Review Health/Employee Benefits Appealing </a> <a title="JANUARY 2011.pdf page 39" href="http://viewer.zmags.com/publication/a1b0fbb9?page=39"> Security Act plans will be subject to external re</a> <a title="JANUARY 2011.pdf page 40" href="http://viewer.zmags.com/publication/a1b0fbb9?page=40"> Claims Review Health/Employee Benefits One of th</a> <a title="JANUARY 2011.pdf page 41" href="http://viewer.zmags.com/publication/a1b0fbb9?page=41"> D onald Light admits he didn't </a> <a title="JANUARY 2011.pdf page 42" href="http://viewer.zmags.com/publication/a1b0fbb9?page=42"> 2011 Forecast Technology The New Vibe P re</a> <a title="JANUARY 2011.pdf page 43" href="http://viewer.zmags.com/publication/a1b0fbb9?page=43"> Network details and coverage maps at vzw.com. © 2</a> <a title="JANUARY 2011.pdf page 44" href="http://viewer.zmags.com/publication/a1b0fbb9?page=44"> 2011 Forecast Technology A Cloud on the Horizon </a> <a title="JANUARY 2011.pdf page 45" href="http://viewer.zmags.com/publication/a1b0fbb9?page=45"> Selling Insight Agent/Broker A </a> <a title="JANUARY 2011.pdf page 46" href="http://viewer.zmags.com/publication/a1b0fbb9?page=46"> Specialty Producer Agent/Broker Land of Opportun</a> <a title="JANUARY 2011.pdf page 47" href="http://viewer.zmags.com/publication/a1b0fbb9?page=47"> thousands of these firms,” said Chris Kellehe</a> <a title="JANUARY 2011.pdf page 48" href="http://viewer.zmags.com/publication/a1b0fbb9?page=48"> Commercial Property Webinar Property/Casualty D</a> <a title="JANUARY 2011.pdf page 49" href="http://viewer.zmags.com/publication/a1b0fbb9?page=49"> exposed to a much different risk set than are tra</a> <a title="JANUARY 2011.pdf page 50" href="http://viewer.zmags.com/publication/a1b0fbb9?page=50"> Underwriting Insight Property/Ca sualty </a> <a title="JANUARY 2011.pdf page 51" href="http://viewer.zmags.com/publication/a1b0fbb9?page=51"> Asset Management Webinar Property/Casualty BES</a> <a title="JANUARY 2011.pdf page 52" href="http://viewer.zmags.com/publication/a1b0fbb9?page=52"> Asset Management Webinar Property/Casualty The </a> <a title="JANUARY 2011.pdf page 53" href="http://viewer.zmags.com/publication/a1b0fbb9?page=53"> *5 1($0 </a> <a title="JANUARY 2011.pdf page 54" href="http://viewer.zmags.com/publication/a1b0fbb9?page=54"> Management Insight Life By Robert Stein </a> <a title="JANUARY 2011.pdf page 55" href="http://viewer.zmags.com/publication/a1b0fbb9?page=55"> Affluent Markets Life Reaching the Affluent Co</a> <a title="JANUARY 2011.pdf page 56" href="http://viewer.zmags.com/publication/a1b0fbb9?page=56"> Manulife Financial: 30 Years of Experience L</a> <a title="JANUARY 2011.pdf page 57" href="http://viewer.zmags.com/publication/a1b0fbb9?page=57"> Affluent Markets Life Lincoln Financial Group: </a> <a title="JANUARY 2011.pdf page 58" href="http://viewer.zmags.com/publication/a1b0fbb9?page=58"> Selling Insight Life By Channing Schmidt </a> <a title="JANUARY 2011.pdf page 59" href="http://viewer.zmags.com/publication/a1b0fbb9?page=59"> Regulation Regulatory/Law Legislation Retogulatio</a> <a title="JANUARY 2011.pdf page 60" href="http://viewer.zmags.com/publication/a1b0fbb9?page=60"> to contain health care costs,” she said. “That wi</a> <a title="JANUARY 2011.pdf page 61" href="http://viewer.zmags.com/publication/a1b0fbb9?page=61"> Regulation Regulatory/Law “Insurance regulation </a> <a title="JANUARY 2011.pdf page 62" href="http://viewer.zmags.com/publication/a1b0fbb9?page=62"> Legal Insight Regulatory/L aw </a> <a title="JANUARY 2011.pdf page 63" href="http://viewer.zmags.com/publication/a1b0fbb9?page=63"> The Global Symbol of Financial Strength ial Stren</a> <a title="JANUARY 2011.pdf page 64" href="http://viewer.zmags.com/publication/a1b0fbb9?page=64"> Customer Service Property/Casualty </a> <a title="JANUARY 2011.pdf page 65" href="http://viewer.zmags.com/publication/a1b0fbb9?page=65"> supported? It is built from the top down. The key</a> <a title="JANUARY 2011.pdf page 66" href="http://viewer.zmags.com/publication/a1b0fbb9?page=66"> Customer Service Property/Casualty usually make h</a> <a title="JANUARY 2011.pdf page 67" href="http://viewer.zmags.com/publication/a1b0fbb9?page=67"> Global Compliance Webinar Regulatory/Law Managi</a> <a title="JANUARY 2011.pdf page 68" href="http://viewer.zmags.com/publication/a1b0fbb9?page=68"> Global Compliance Webinar Regulatory/Law LISA</a> <a title="JANUARY 2011.pdf page 69" href="http://viewer.zmags.com/publication/a1b0fbb9?page=69"> What are the true costs of providing insur</a> <a title="JANUARY 2011.pdf page 70" href="http://viewer.zmags.com/publication/a1b0fbb9?page=70"> Technology Insight Technology </a> <a title="JANUARY 2011.pdf page 71" href="http://viewer.zmags.com/publication/a1b0fbb9?page=71"> Return on Investment Technology Tigh</a> <a title="JANUARY 2011.pdf page 72" href="http://viewer.zmags.com/publication/a1b0fbb9?page=72"> In other words, without a com- plete view of </a> <a title="JANUARY 2011.pdf page 73" href="http://viewer.zmags.com/publication/a1b0fbb9?page=73"> Return on Investment Technology competitor pricin</a> <a title="JANUARY 2011.pdf page 74" href="http://viewer.zmags.com/publication/a1b0fbb9?page=74"> Employment Liability Webinar Property/Casualty </a> <a title="JANUARY 2011.pdf page 75" href="http://viewer.zmags.com/publication/a1b0fbb9?page=75"> slight uptick in the current period. One of the t</a> <a title="JANUARY 2011.pdf page 76" href="http://viewer.zmags.com/publication/a1b0fbb9?page=76"> Loss/Risk Management Insight Property/Ca sual</a> <a title="JANUARY 2011.pdf page 77" href="http://viewer.zmags.com/publication/a1b0fbb9?page=77"> The insurer information you need, without boundar</a> <a title="JANUARY 2011.pdf page 78" href="http://viewer.zmags.com/publication/a1b0fbb9?page=78"> Medical Professional Liability Webinar Property/C</a> <a title="JANUARY 2011.pdf page 79" href="http://viewer.zmags.com/publication/a1b0fbb9?page=79"> children is a significant injury. The awards mirr</a> <a title="JANUARY 2011.pdf page 80" href="http://viewer.zmags.com/publication/a1b0fbb9?page=80"> Companies P&I Club Skuld Entering Lloyd's Market </a> <a title="JANUARY 2011.pdf page 81" href="http://viewer.zmags.com/publication/a1b0fbb9?page=81"> Editorial Calendar: Looking Ahead April 2011 Age</a> <a title="JANUARY 2011.pdf page 82" href="http://viewer.zmags.com/publication/a1b0fbb9?page=82"> The Last Word The LIFE Foundation creates a DVD </a> <a title="JANUARY 2011.pdf page 83" href="http://viewer.zmags.com/publication/a1b0fbb9?page=83"> INDESIGN_AD_TEMPLATE.indd 1 </a> <a title="JANUARY 2011.pdf page 84" href="http://viewer.zmags.com/publication/a1b0fbb9?page=84"> Get ACSTAR on the case. We've never been hung up </a>