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<br /> THE Standing the Top Global ISSUES & ANSWERS:<br /> LEADERS Test of Time Brokers Specialty Coverage<br /> Pages 43-78 Page 53 Page 59 Pages 21-31<br /> *ULYs6OLUMEs)SSUE WWWBESTREVIEWCOM<br /> A.M. BEST'S MONTHLY INSURANCE MAGAZINE<br /> CEO in<br /> Transition<br /> The profile of the insurance CEO is evolving as boards<br /> seek to balance the need for a steady, experienced<br /> hand with the need for diverse leaders adept at<br /> transformative change. Page 44<br /> We're invested in the people<br /> behind the numbers.<br /> When you win<a title="Best's Review - July 2018 Edition page 1" href="http://viewer.zmags.com/publication/a43f8b78?page=1"> THE Sta</a> <a title="Best's Review - July 2018 Edition page 2" href="http://viewer.zmags.com/publication/a43f8b78?page=2"> We're invested in the people behind the numbers. </a> <a title="Best's Review - July 2018 Edition page 3" href="http://viewer.zmags.com/publication/a43f8b78?page=3"> From the Editor's Desk Department The Hunt for </a> <a title="Best's Review - July 2018 Edition page 4" href="http://viewer.zmags.com/publication/a43f8b78?page=4"> Contents THE LEADERS 43-78 Best's Review prese</a> <a title="Best's Review - July 2018 Edition page 5" href="http://viewer.zmags.com/publication/a43f8b78?page=5"> ------------------------ $1,000,000,000 Senior R</a> <a title="Best's Review - July 2018 Edition page 6" href="http://viewer.zmags.com/publication/a43f8b78?page=6"> Contents 21 ISSUES & ANSWERS: Specialty Coverage</a> <a title="Best's Review - July 2018 Edition page 7" href="http://viewer.zmags.com/publication/a43f8b78?page=7"> hanover.com </a> <a title="Best's Review - July 2018 Edition page 8" href="http://viewer.zmags.com/publication/a43f8b78?page=8"> BestWebinars Department How Insurers Are Using </a> <a title="Best's Review - July 2018 Edition page 9" href="http://viewer.zmags.com/publication/a43f8b78?page=9"> ® A.M. Best Analysts: Insurers Boost Hold</a> <a title="Best's Review - July 2018 Edition page 10" href="http://viewer.zmags.com/publication/a43f8b78?page=10"> Best's Calendar Department `The Innovation Tran</a> <a title="Best's Review - July 2018 Edition page 11" href="http://viewer.zmags.com/publication/a43f8b78?page=11"> What Readers Say 4HEREISNOSUCHLEGAL REGUL</a> <a title="Best's Review - July 2018 Edition page 12" href="http://viewer.zmags.com/publication/a43f8b78?page=12"> Department MetLife in 2006, including CFO for in</a> <a title="Best's Review - July 2018 Edition page 13" href="http://viewer.zmags.com/publication/a43f8b78?page=13"> Insurance Marketing Music Appreciation Kern/Get</a> <a title="Best's Review - July 2018 Edition page 14" href="http://viewer.zmags.com/publication/a43f8b78?page=14"> A Global Conversation Department Talent Talk I</a> <a title="Best's Review - July 2018 Edition page 15" href="http://viewer.zmags.com/publication/a43f8b78?page=15"> “It is a challenge [to find young people w</a> <a title="Best's Review - July 2018 Edition page 16" href="http://viewer.zmags.com/publication/a43f8b78?page=16"> Next Wave Department Thought Process H </a> <a title="Best's Review - July 2018 Edition page 17" href="http://viewer.zmags.com/publication/a43f8b78?page=17"> Spotlight on Risk Man-Made Perils Could Bring $3</a> <a title="Best's Review - July 2018 Edition page 18" href="http://viewer.zmags.com/publication/a43f8b78?page=18"> Spotlight on Retirement British Senior Citizens </a> <a title="Best's Review - July 2018 Edition page 19" href="http://viewer.zmags.com/publication/a43f8b78?page=19"> At Large Overcoming Fear Insight Companies must</a> <a title="Best's Review - July 2018 Edition page 20" href="http://viewer.zmags.com/publication/a43f8b78?page=20"> Risk Adviser Insight The Power of Culture By em</a> <a title="Best's Review - July 2018 Edition page 21" href="http://viewer.zmags.com/publication/a43f8b78?page=21"> Technology Risk and Reward Insight Enhancing an</a> <a title="Best's Review - July 2018 Edition page 22" href="http://viewer.zmags.com/publication/a43f8b78?page=22"> Regulation/Law Insight Listen Up! Insurers shou</a> <a title="Best's Review - July 2018 Edition page 23" href="http://viewer.zmags.com/publication/a43f8b78?page=23"> Special Advertising Section ISSUES & ANSWERS: SP</a> <a title="Best's Review - July 2018 Edition page 24" href="http://viewer.zmags.com/publication/a43f8b78?page=24"> We believe every customer deserves person-to-pers</a> <a title="Best's Review - July 2018 Edition page 25" href="http://viewer.zmags.com/publication/a43f8b78?page=25"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="Best's Review - July 2018 Edition page 26" href="http://viewer.zmags.com/publication/a43f8b78?page=26"> </a> <a title="Best's Review - July 2018 Edition page 27" href="http://viewer.zmags.com/publication/a43f8b78?page=27"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="Best's Review - July 2018 Edition page 28" href="http://viewer.zmags.com/publication/a43f8b78?page=28"> There's nothing fixed about where tomorrow's credi</a> <a title="Best's Review - July 2018 Edition page 29" href="http://viewer.zmags.com/publication/a43f8b78?page=29"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="Best's Review - July 2018 Edition page 30" href="http://viewer.zmags.com/publication/a43f8b78?page=30"> It may be natural. But it doesn't have to be a di</a> <a title="Best's Review - July 2018 Edition page 31" href="http://viewer.zmags.com/publication/a43f8b78?page=31"> This page intentionally left blank.</a> <a title="Best's Review - July 2018 Edition page 32" href="http://viewer.zmags.com/publication/a43f8b78?page=32"> </a> <a title="Best's Review - July 2018 Edition page 33" href="http://viewer.zmags.com/publication/a43f8b78?page=33"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="Best's Review - July 2018 Edition page 34" href="http://viewer.zmags.com/publication/a43f8b78?page=34"> Asset Management Finding the It Factor Insurer</a> <a title="Best's Review - July 2018 Edition page 35" href="http://viewer.zmags.com/publication/a43f8b78?page=35"> strategies in 1996, seeking stable, relative retu</a> <a title="Best's Review - July 2018 Edition page 36" href="http://viewer.zmags.com/publication/a43f8b78?page=36"> Asset Management “Factors are the language of in</a> <a title="Best's Review - July 2018 Edition page 37" href="http://viewer.zmags.com/publication/a43f8b78?page=37"> A Better Bottom Line Starts With Better Training </a> <a title="Best's Review - July 2018 Edition page 38" href="http://viewer.zmags.com/publication/a43f8b78?page=38"> Asset Management “You need a lot of brain power </a> <a title="Best's Review - July 2018 Edition page 39" href="http://viewer.zmags.com/publication/a43f8b78?page=39"> principle should always be that the market is not</a> <a title="Best's Review - July 2018 Edition page 40" href="http://viewer.zmags.com/publication/a43f8b78?page=40"> Life Insurance THE HUNT FOR SOLUTIONS Fritz Nauc</a> <a title="Best's Review - July 2018 Edition page 41" href="http://viewer.zmags.com/publication/a43f8b78?page=41"> ON THE HUNT: Fritz Nauck served on the USS Dallas</a> <a title="Best's Review - July 2018 Edition page 42" href="http://viewer.zmags.com/publication/a43f8b78?page=42"> Life Insurance “He liked the mission. He was qui</a> <a title="Best's Review - July 2018 Edition page 43" href="http://viewer.zmags.com/publication/a43f8b78?page=43"> your Future Is Here SIAA provides the </a> <a title="Best's Review - July 2018 Edition page 44" href="http://viewer.zmags.com/publication/a43f8b78?page=44"> Life Insurance “You could see a pivot back to li</a> <a title="Best's Review - July 2018 Edition page 45" href="http://viewer.zmags.com/publication/a43f8b78?page=45"> THE LEADERS The Leaders B est's Review</a> <a title="Best's Review - July 2018 Edition page 46" href="http://viewer.zmags.com/publication/a43f8b78?page=46"> THE LEADERS CEO in Transition CEO IN TRANSITI T</a> <a title="Best's Review - July 2018 Edition page 47" href="http://viewer.zmags.com/publication/a43f8b78?page=47"> THE LEADERS ON BEST'S REV)%7s*5,9 </a> <a title="Best's Review - July 2018 Edition page 48" href="http://viewer.zmags.com/publication/a43f8b78?page=48"> THE LEADERS CEO in Transition That vie</a> <a title="Best's Review - July 2018 Edition page 49" href="http://viewer.zmags.com/publication/a43f8b78?page=49"> HONOR THE PAST | RECOGNIZE THE PRESENT |</a> <a title="Best's Review - July 2018 Edition page 50" href="http://viewer.zmags.com/publication/a43f8b78?page=50"> THE LEADERS CEO in Transition “The C</a> <a title="Best's Review - July 2018 Edition page 51" href="http://viewer.zmags.com/publication/a43f8b78?page=51"> Top P/C Insurers' CEOs Ranked by 2017 net premiu</a> <a title="Best's Review - July 2018 Edition page 52" href="http://viewer.zmags.com/publication/a43f8b78?page=52"> THE LEADERS Top Life Insurers' CEOs CEO in Tran</a> <a title="Best's Review - July 2018 Edition page 53" href="http://viewer.zmags.com/publication/a43f8b78?page=53"> (Continued from page 48) rose from 45 to 50,acc</a> <a title="Best's Review - July 2018 Edition page 54" href="http://viewer.zmags.com/publication/a43f8b78?page=54"> THE LEADERS CEO in Transition Still, co</a> <a title="Best's Review - July 2018 Edition page 55" href="http://viewer.zmags.com/publication/a43f8b78?page=55"> THE LEADERS Standing The Test Standing the Test</a> <a title="Best's Review - July 2018 Edition page 56" href="http://viewer.zmags.com/publication/a43f8b78?page=56"> THE LEADERS Property/Casualty Insurers Rated A or</a> <a title="Best's Review - July 2018 Edition page 57" href="http://viewer.zmags.com/publication/a43f8b78?page=57"> rating since 1943. Overall, 75 companies</a> <a title="Best's Review - July 2018 Edition page 58" href="http://viewer.zmags.com/publication/a43f8b78?page=58"> THE LEADERS Property/Casualty Insurers Rated A or</a> <a title="Best's Review - July 2018 Edition page 59" href="http://viewer.zmags.com/publication/a43f8b78?page=59"> insurance business. It was renamed Vigilant Insur</a> <a title="Best's Review - July 2018 Edition page 60" href="http://viewer.zmags.com/publication/a43f8b78?page=60"> THE LEADERS Standing the Test of Time Best's Ra</a> <a title="Best's Review - July 2018 Edition page 61" href="http://viewer.zmags.com/publication/a43f8b78?page=61"> THE LEADERS Top Global Global Broker Ranking In</a> <a title="Best's Review - July 2018 Edition page 62" href="http://viewer.zmags.com/publication/a43f8b78?page=62"> THE LEADERS 1. Marsh & McLennan Cos. Global Brok</a> <a title="Best's Review - July 2018 Edition page 63" href="http://viewer.zmags.com/publication/a43f8b78?page=63"> as well as USI employees. Continued to expand int</a> <a title="Best's Review - July 2018 Edition page 64" href="http://viewer.zmags.com/publication/a43f8b78?page=64"> THE LEADERS 18. AmeriTrust Group Inc. Global Bro</a> <a title="Best's Review - July 2018 Edition page 65" href="http://viewer.zmags.com/publication/a43f8b78?page=65"> THE LEADERS Top 200 Top 200 U.S. P/C Writers U.</a> <a title="Best's Review - July 2018 Edition page 66" href="http://viewer.zmags.com/publication/a43f8b78?page=66"> Shelter Ins Cos Southern Farm Bureau Cas Group </a> <a title="Best's Review - July 2018 Edition page 67" href="http://viewer.zmags.com/publication/a43f8b78?page=67"> Leverage an unmatched understanding </a> <a title="Best's Review - July 2018 Edition page 68" href="http://viewer.zmags.com/publication/a43f8b78?page=68"> VT Mutual Group Medical Liab Mutual Ins Co 415,</a> <a title="Best's Review - July 2018 Edition page 69" href="http://viewer.zmags.com/publication/a43f8b78?page=69"> THE LEADERS Top 200 Top 200 Life\Health Insurers</a> <a title="Best's Review - July 2018 Edition page 70" href="http://viewer.zmags.com/publication/a43f8b78?page=70"> UnitedHealth Life Companies Wilton Re US Group </a> <a title="Best's Review - July 2018 Edition page 71" href="http://viewer.zmags.com/publication/a43f8b78?page=71"> BEST'S INSURANCE NEWS & ANALYSIS </a> <a title="Best's Review - July 2018 Edition page 72" href="http://viewer.zmags.com/publication/a43f8b78?page=72"> Catholic Finl Life Boston Mutual Group 1,641,57</a> <a title="Best's Review - July 2018 Edition page 73" href="http://viewer.zmags.com/publication/a43f8b78?page=73"> THE LEADERS Top75 Top 75 N.A. Public Insurers N</a> <a title="Best's Review - July 2018 Edition page 74" href="http://viewer.zmags.com/publication/a43f8b78?page=74"> THE LEADERS Top 75 N.A. Public Insurers Rank </a> <a title="Best's Review - July 2018 Edition page 75" href="http://viewer.zmags.com/publication/a43f8b78?page=75"> THE LEADERS Top75 Top 75 N.A. Public Insurers N</a> <a title="Best's Review - July 2018 Edition page 76" href="http://viewer.zmags.com/publication/a43f8b78?page=76"> THE LEADERS Top 75 N.A. Public Insurers Rank </a> <a title="Best's Review - July 2018 Edition page 77" href="http://viewer.zmags.com/publication/a43f8b78?page=77"> THE LEADERS World's Largest Insurance Companies </a> <a title="Best's Review - July 2018 Edition page 78" href="http://viewer.zmags.com/publication/a43f8b78?page=78"> THE World's Largest Insurance Cos. LEADERS Worl</a> <a title="Best's Review - July 2018 Edition page 79" href="http://viewer.zmags.com/publication/a43f8b78?page=79"> Strategic Insight Powered by A.M. Best </a> <a title="Best's Review - July 2018 Edition page 80" href="http://viewer.zmags.com/publication/a43f8b78?page=80"> THE Top 25 U.S. Holding Companies LEADERS Top </a> <a title="Best's Review - July 2018 Edition page 81" href="http://viewer.zmags.com/publication/a43f8b78?page=81"> What A.M. Best Says A.M. Best Report Examines C</a> <a title="Best's Review - July 2018 Edition page 82" href="http://viewer.zmags.com/publication/a43f8b78?page=82"> Department vendors, suppliers, and customers. </a> <a title="Best's Review - July 2018 Edition page 83" href="http://viewer.zmags.com/publication/a43f8b78?page=83"> How does your capitalization stack up? Best</a> <a title="Best's Review - July 2018 Edition page 84" href="http://viewer.zmags.com/publication/a43f8b78?page=84"> Best's Credit Rating Actions Department T </a> <a title="Best's Review - July 2018 Edition page 85" href="http://viewer.zmags.com/publication/a43f8b78?page=85"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Review - July 2018 Edition page 86" href="http://viewer.zmags.com/publication/a43f8b78?page=86"> BEST'S FINANCIAL STRENGTH RATING GUIDE – (FSR) A </a> <a title="Best's Review - July 2018 Edition page 87" href="http://viewer.zmags.com/publication/a43f8b78?page=87"> BEST'S ISSUER CREDIT RATING GUIDE – (ICR) A Best'</a> <a title="Best's Review - July 2018 Edition page 88" href="http://viewer.zmags.com/publication/a43f8b78?page=88"> Industry Updates Best's Insurance Professionals </a> <a title="Best's Review - July 2018 Edition page 89" href="http://viewer.zmags.com/publication/a43f8b78?page=89"> Connect with A.M. Best On Twitter @AMBestCo </a> <a title="Best's Review - July 2018 Edition page 90" href="http://viewer.zmags.com/publication/a43f8b78?page=90"> The Last Word Department Filling a Need As the </a> <a title="Best's Review - July 2018 Edition page 91" href="http://viewer.zmags.com/publication/a43f8b78?page=91"> </a> <a title="Best's Review - July 2018 Edition page 92" href="http://viewer.zmags.com/publication/a43f8b78?page=92"> Expect big things in workers' compensation. Most </a>