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<br /> www.bestreview.com<br /> January 2011<br /> <br /> <br /> <br /> <br /> <br /> <br /> Monthly Insurance News Magazine Insurers · Agents & Brokers · Reinsurers<br /> Monthly Insurance News Magazine Insurers · Agents & Brokers · Reinsurers<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 /> <br /> <br /> <br /> <br /> <br /> Hot Markets for<br /> Specialty Producers<br /> PAGE 44<br /> <a title="JANUARY 2011.pdf page 1" href="http://viewer.zmags.com/publication/a1b0fbb9?page=1">www.bestreview.comJanuary 2011Monthly Ins</a> www.bestreview.comJanuary 2011Monthly Ins<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 CompanyBEST'S REVIEW </a> Published by A.M. Best CompanyBEST'S REVIEW <a title="JANUARY 2011.pdf page 4" href="http://viewer.zmags.com/publication/a1b0fbb9?page=4">ContentsBEST'S REVIEW January 2011 V</a> ContentsBEST'S REVIEW January 2011 V<a title="JANUARY 2011.pdf page 5" href="http://viewer.zmags.com/publication/a1b0fbb9?page=5"> Thank you to our clients, their brokers, </a> Thank you to our clients, their brokers, <a title="JANUARY 2011.pdf page 6" href="http://viewer.zmags.com/publication/a1b0fbb9?page=6">AdvertorialThe Jury Is in on the Value ofDetai</a> AdvertorialThe Jury Is in on the Value ofDetai<a title="JANUARY 2011.pdf page 7" href="http://viewer.zmags.com/publication/a1b0fbb9?page=7">Advertorialaccounts payable systems is vital</a> Advertorialaccounts payable systems is vital<a title="JANUARY 2011.pdf page 8" href="http://viewer.zmags.com/publication/a1b0fbb9?page=8">Health Insurance Claim FormLas Name </a> Health Insurance Claim FormLas Name <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 COLUMNSAGENT/BROKER SELLING </a> INSIGHT COLUMNSAGENT/BROKER SELLING <a title="JANUARY 2011.pdf page 11" href="http://viewer.zmags.com/publication/a1b0fbb9?page=11">INDESIGN_AD_TEMPLATE.indd 1 </a> INDESIGN_AD_TEMPLATE.indd 1 <a title="JANUARY 2011.pdf page 12" href="http://viewer.zmags.com/publication/a1b0fbb9?page=12">http://www.bestreview.comDIG DEEPERISSUES & A</a> http://www.bestreview.comDIG DEEPERISSUES & A<a title="JANUARY 2011.pdf page 13" href="http://viewer.zmags.com/publication/a1b0fbb9?page=13">ResearchBEST'S SPECIAL REPORT </a> ResearchBEST'S SPECIAL REPORT <a title="JANUARY 2011.pdf page 14" href="http://viewer.zmags.com/publication/a1b0fbb9?page=14">ResearchBEST'S SPECIAL REPORT </a> ResearchBEST'S SPECIAL REPORT <a title="JANUARY 2011.pdf page 15" href="http://viewer.zmags.com/publication/a1b0fbb9?page=15">EmploymentBriefingInsurance JobsThe U.S. ins</a> EmploymentBriefingInsurance JobsThe U.S. ins<a title="JANUARY 2011.pdf page 16" href="http://viewer.zmags.com/publication/a1b0fbb9?page=16">People in InsuranceLife V PATRICK B.</a> People in InsuranceLife V PATRICK B.<a title="JANUARY 2011.pdf page 17" href="http://viewer.zmags.com/publication/a1b0fbb9?page=17">has promoted three long-time Chubbexecutives: </a> has promoted three long-time Chubbexecutives: <a title="JANUARY 2011.pdf page 18" href="http://viewer.zmags.com/publication/a1b0fbb9?page=18">Insurance MarketingOT5PCreating a Stro</a> Insurance MarketingOT5PCreating a Stro<a title="JANUARY 2011.pdf page 19" href="http://viewer.zmags.com/publication/a1b0fbb9?page=19">Product NewsSpotlightProperty/Ca</a> Product NewsSpotlightProperty/Ca<a title="JANUARY 2011.pdf page 20" href="http://viewer.zmags.com/publication/a1b0fbb9?page=20">RatingsRating ActionsT his ed</a> RatingsRating ActionsT his ed<a title="JANUARY 2011.pdf page 21" href="http://viewer.zmags.com/publication/a1b0fbb9?page=21">Ratings Changed (continued)Rating </a> Ratings Changed (continued)Rating <a title="JANUARY 2011.pdf page 22" href="http://viewer.zmags.com/publication/a1b0fbb9?page=22">IMAS CoverageProperty/CasualtyKim Bjorheim for</a> IMAS CoverageProperty/CasualtyKim Bjorheim for<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 s the role of marketing becomes<a title="JANUARY 2011.pdf page 24" href="http://viewer.zmags.com/publication/a1b0fbb9?page=24">Secrets to Marketing SuccessW hat's</a> Secrets to Marketing SuccessW hat's<a title="JANUARY 2011.pdf page 25" href="http://viewer.zmags.com/publication/a1b0fbb9?page=25">IMAS CoverageProperty/Casualtyprovide busines</a> IMAS CoverageProperty/Casualtyprovide busines<a title="JANUARY 2011.pdf page 26" href="http://viewer.zmags.com/publication/a1b0fbb9?page=26">Moving Into New GroundF or more than </a> Moving Into New GroundF or more than <a title="JANUARY 2011.pdf page 27" href="http://viewer.zmags.com/publication/a1b0fbb9?page=27">IMAS CoverageProperty/CasualtyHighlightsThe</a> IMAS CoverageProperty/CasualtyHighlightsThe<a title="JANUARY 2011.pdf page 28" href="http://viewer.zmags.com/publication/a1b0fbb9?page=28">Workers' CompensationProperty/CasualtyA</a> Workers' CompensationProperty/CasualtyA<a title="JANUARY 2011.pdf page 29" href="http://viewer.zmags.com/publication/a1b0fbb9?page=29">writer that has a singular focus onthe self-insu</a> writer that has a singular focus onthe self-insu<a title="JANUARY 2011.pdf page 30" href="http://viewer.zmags.com/publication/a1b0fbb9?page=30">throw that help to clients if they wantit, even </a> throw that help to clients if they wantit, even <a title="JANUARY 2011.pdf page 31" href="http://viewer.zmags.com/publication/a1b0fbb9?page=31">Workers' CompensationProperty/Casualty “We a</a> Workers' CompensationProperty/Casualty “We a<a title="JANUARY 2011.pdf page 32" href="http://viewer.zmags.com/publication/a1b0fbb9?page=32">Health Care ReformAgent/BrokerReeling in R</a> Health Care ReformAgent/BrokerReeling in R<a title="JANUARY 2011.pdf page 33" href="http://viewer.zmags.com/publication/a1b0fbb9?page=33">going to suffer.They will have to findother valu</a> going to suffer.They will have to findother valu<a title="JANUARY 2011.pdf page 34" href="http://viewer.zmags.com/publication/a1b0fbb9?page=34">act. “And we're seeing concernsabout the pote</a> act. “And we're seeing concernsabout the pote<a title="JANUARY 2011.pdf page 35" href="http://viewer.zmags.com/publication/a1b0fbb9?page=35">Health Care ReformAgent/Broker Also, agents</a> Health Care ReformAgent/Broker Also, agents<a title="JANUARY 2011.pdf page 36" href="http://viewer.zmags.com/publication/a1b0fbb9?page=36">Outlook for 2011Reinsurance/Capital MarketsNe</a> Outlook for 2011Reinsurance/Capital MarketsNe<a title="JANUARY 2011.pdf page 37" href="http://viewer.zmags.com/publication/a1b0fbb9?page=37"> Nick Frankland, CEO of Europeanoperations f</a> Nick Frankland, CEO of Europeanoperations f<a title="JANUARY 2011.pdf page 38" href="http://viewer.zmags.com/publication/a1b0fbb9?page=38">Claims ReviewHealth/Employee BenefitsAppealing</a> Claims ReviewHealth/Employee BenefitsAppealing<a title="JANUARY 2011.pdf page 39" href="http://viewer.zmags.com/publication/a1b0fbb9?page=39">Security Act plans will be subjectto external re</a> Security Act plans will be subjectto external re<a title="JANUARY 2011.pdf page 40" href="http://viewer.zmags.com/publication/a1b0fbb9?page=40">Claims ReviewHealth/Employee BenefitsOne of th</a> Claims ReviewHealth/Employee BenefitsOne of th<a title="JANUARY 2011.pdf page 41" href="http://viewer.zmags.com/publication/a1b0fbb9?page=41">D onald Light admits he didn't </a> D onald Light admits he didn't <a title="JANUARY 2011.pdf page 42" href="http://viewer.zmags.com/publication/a1b0fbb9?page=42">2011 ForecastTechnologyThe New VibeP re</a> 2011 ForecastTechnologyThe New VibeP re<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> Network details and coverage maps at vzw.com. © 2<a title="JANUARY 2011.pdf page 44" href="http://viewer.zmags.com/publication/a1b0fbb9?page=44">2011 ForecastTechnologyA Cloud on the Horizon</a> 2011 ForecastTechnologyA Cloud on the Horizon<a title="JANUARY 2011.pdf page 45" href="http://viewer.zmags.com/publication/a1b0fbb9?page=45">Selling InsightAgent/Broker A </a> Selling InsightAgent/Broker A <a title="JANUARY 2011.pdf page 46" href="http://viewer.zmags.com/publication/a1b0fbb9?page=46">Specialty ProducerAgent/BrokerLand ofOpportun</a> Specialty ProducerAgent/BrokerLand ofOpportun<a title="JANUARY 2011.pdf page 47" href="http://viewer.zmags.com/publication/a1b0fbb9?page=47">thousands of these firms,” saidChris Kellehe</a> thousands of these firms,” saidChris Kellehe<a title="JANUARY 2011.pdf page 48" href="http://viewer.zmags.com/publication/a1b0fbb9?page=48">Commercial Property WebinarProperty/CasualtyD</a> Commercial Property WebinarProperty/CasualtyD<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> exposed to a much different risk set than are tra<a title="JANUARY 2011.pdf page 50" href="http://viewer.zmags.com/publication/a1b0fbb9?page=50">Underwriting InsightProperty/Ca sualty </a> Underwriting InsightProperty/Ca sualty <a title="JANUARY 2011.pdf page 51" href="http://viewer.zmags.com/publication/a1b0fbb9?page=51">Asset Management WebinarProperty/CasualtyBES</a> Asset Management WebinarProperty/CasualtyBES<a title="JANUARY 2011.pdf page 52" href="http://viewer.zmags.com/publication/a1b0fbb9?page=52">Asset Management WebinarProperty/Casualty The </a> Asset Management WebinarProperty/Casualty The <a title="JANUARY 2011.pdf page 53" href="http://viewer.zmags.com/publication/a1b0fbb9?page=53">*51($0 </a> *51($0 <a title="JANUARY 2011.pdf page 54" href="http://viewer.zmags.com/publication/a1b0fbb9?page=54">Management InsightLife ByRobert Stein</a> Management InsightLife ByRobert Stein<a title="JANUARY 2011.pdf page 55" href="http://viewer.zmags.com/publication/a1b0fbb9?page=55">Affluent MarketsLifeReaching the AffluentCo</a> Affluent MarketsLifeReaching the AffluentCo<a title="JANUARY 2011.pdf page 56" href="http://viewer.zmags.com/publication/a1b0fbb9?page=56">Manulife Financial: 30 Years of Experience L</a> Manulife Financial: 30 Years of Experience L<a title="JANUARY 2011.pdf page 57" href="http://viewer.zmags.com/publication/a1b0fbb9?page=57">Affluent MarketsLifeLincoln Financial Group: </a> Affluent MarketsLifeLincoln Financial Group: <a title="JANUARY 2011.pdf page 58" href="http://viewer.zmags.com/publication/a1b0fbb9?page=58">Selling InsightLife ByChanning Schmidt</a> Selling InsightLife ByChanning Schmidt<a title="JANUARY 2011.pdf page 59" href="http://viewer.zmags.com/publication/a1b0fbb9?page=59">RegulationRegulatory/LawLegislationRetogulatio</a> RegulationRegulatory/LawLegislationRetogulatio<a title="JANUARY 2011.pdf page 60" href="http://viewer.zmags.com/publication/a1b0fbb9?page=60">to contain health care costs,” shesaid. “That wi</a> to contain health care costs,” shesaid. “That wi<a title="JANUARY 2011.pdf page 61" href="http://viewer.zmags.com/publication/a1b0fbb9?page=61">RegulationRegulatory/Law“Insurance regulation </a> RegulationRegulatory/Law“Insurance regulation <a title="JANUARY 2011.pdf page 62" href="http://viewer.zmags.com/publication/a1b0fbb9?page=62">Legal InsightRegulatory/L aw </a> Legal InsightRegulatory/L aw <a title="JANUARY 2011.pdf page 63" href="http://viewer.zmags.com/publication/a1b0fbb9?page=63">The Global Symbol ofFinancial Strengthial Stren</a> The Global Symbol ofFinancial Strengthial Stren<a title="JANUARY 2011.pdf page 64" href="http://viewer.zmags.com/publication/a1b0fbb9?page=64">Customer ServiceProperty/Casualty</a> Customer ServiceProperty/Casualty<a title="JANUARY 2011.pdf page 65" href="http://viewer.zmags.com/publication/a1b0fbb9?page=65">supported? It is built from the topdown. The key</a> supported? It is built from the topdown. The key<a title="JANUARY 2011.pdf page 66" href="http://viewer.zmags.com/publication/a1b0fbb9?page=66">Customer ServiceProperty/Casualtyusually make h</a> Customer ServiceProperty/Casualtyusually make h<a title="JANUARY 2011.pdf page 67" href="http://viewer.zmags.com/publication/a1b0fbb9?page=67">Global Compliance WebinarRegulatory/LawManagi</a> Global Compliance WebinarRegulatory/LawManagi<a title="JANUARY 2011.pdf page 68" href="http://viewer.zmags.com/publication/a1b0fbb9?page=68">Global Compliance WebinarRegulatory/Law LISA</a> Global Compliance WebinarRegulatory/Law LISA<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> What are the true costs of providing insur<a title="JANUARY 2011.pdf page 70" href="http://viewer.zmags.com/publication/a1b0fbb9?page=70">Technology InsightTechnology </a> Technology InsightTechnology <a title="JANUARY 2011.pdf page 71" href="http://viewer.zmags.com/publication/a1b0fbb9?page=71">Return on InvestmentTechnologyTigh</a> Return on InvestmentTechnologyTigh<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> In other words, without a com-plete view of <a title="JANUARY 2011.pdf page 73" href="http://viewer.zmags.com/publication/a1b0fbb9?page=73">Return on InvestmentTechnologycompetitor pricin</a> Return on InvestmentTechnologycompetitor pricin<a title="JANUARY 2011.pdf page 74" href="http://viewer.zmags.com/publication/a1b0fbb9?page=74">Employment Liability WebinarProperty/Casualty</a> Employment Liability WebinarProperty/Casualty<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> slight uptick in the current period. One of the t<a title="JANUARY 2011.pdf page 76" href="http://viewer.zmags.com/publication/a1b0fbb9?page=76">Loss/Risk Management InsightProperty/Ca sual</a> Loss/Risk Management InsightProperty/Ca sual<a title="JANUARY 2011.pdf page 77" href="http://viewer.zmags.com/publication/a1b0fbb9?page=77">The insurer information you need,without boundar</a> The insurer information you need,without boundar<a title="JANUARY 2011.pdf page 78" href="http://viewer.zmags.com/publication/a1b0fbb9?page=78">Medical Professional Liability WebinarProperty/C</a> Medical Professional Liability WebinarProperty/C<a title="JANUARY 2011.pdf page 79" href="http://viewer.zmags.com/publication/a1b0fbb9?page=79">children is a significant injury. Theawards mirr</a> children is a significant injury. Theawards mirr<a title="JANUARY 2011.pdf page 80" href="http://viewer.zmags.com/publication/a1b0fbb9?page=80">CompaniesP&I Club Skuld Entering Lloyd's Market</a> CompaniesP&I Club Skuld Entering Lloyd's Market<a title="JANUARY 2011.pdf page 81" href="http://viewer.zmags.com/publication/a1b0fbb9?page=81">Editorial Calendar: Looking AheadApril 2011Age</a> Editorial Calendar: Looking AheadApril 2011Age<a title="JANUARY 2011.pdf page 82" href="http://viewer.zmags.com/publication/a1b0fbb9?page=82">The Last WordThe LIFE Foundation creates a DVD </a> The Last WordThe LIFE Foundation creates a DVD <a title="JANUARY 2011.pdf page 83" href="http://viewer.zmags.com/publication/a1b0fbb9?page=83">INDESIGN_AD_TEMPLATE.indd 1 </a> INDESIGN_AD_TEMPLATE.indd 1 <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> Get ACSTAR on the case. We've never been hung up