<br /> Panel: P/C Insurers and Loss Reserves and Insurers Rethink Risk ISSUES & ANSWERS:<br /> A Flattening Yield Curve The New, New Normal After Wildfires Insurtech<br /> Page 34 Page 47 Page 58 Pages 21-33<br /> .OVEMBERs6OLUMEs)SSUE WWWBESTREVIEWCOM<br /> A.M. BEST'S MONTHLY INSURANCE MAGAZINE<br /> Choosing<br /> Disruption<br /> One year after taking the helm at John<br /> Hancock, CEO Marianne Harrison seeks<br /> to boost customer engagement and<br /> possibly reinvent the life insurance<br /> model, saying: “I love a challenge.”<br /> Page 40<br /> Commitment Beyond Numbers.<br /> The operative<a title="BR November 2018 Zmags page 1" href="http://viewer.zmags.com/publication/d841c0b9?page=1"> Panel: P/C Insurers and Loss Reserves an</a> <a title="BR November 2018 Zmags page 2" href="http://viewer.zmags.com/publication/d841c0b9?page=2"> Commitment Beyond Numbers. The operative word is </a> <a title="BR November 2018 Zmags page 3" href="http://viewer.zmags.com/publication/d841c0b9?page=3"> From the Editor's Desk Taking Chances Departmen</a> <a title="BR November 2018 Zmags page 4" href="http://viewer.zmags.com/publication/d841c0b9?page=4"> HOMEOWNERS INSURANCE Contents 57-73 In this sp</a> <a title="BR November 2018 Zmags page 5" href="http://viewer.zmags.com/publication/d841c0b9?page=5"> ©2018 Conning, Inc. All Rights Reserved. </a> <a title="BR November 2018 Zmags page 6" href="http://viewer.zmags.com/publication/d841c0b9?page=6"> Contents 34 Inflection Point 47 Approaching the L</a> <a title="BR November 2018 Zmags page 7" href="http://viewer.zmags.com/publication/d841c0b9?page=7"> BestWebinars Webinars in Focus D2C: How Life and</a> <a title="BR November 2018 Zmags page 8" href="http://viewer.zmags.com/publication/d841c0b9?page=8"> </a> <a title="BR November 2018 Zmags page 9" href="http://viewer.zmags.com/publication/d841c0b9?page=9"> </a> <a title="BR November 2018 Zmags page 10" href="http://viewer.zmags.com/publication/d841c0b9?page=10"> Best's Calendar Department Nov. 1 – 2: American</a> <a title="BR November 2018 Zmags page 11" href="http://viewer.zmags.com/publication/d841c0b9?page=11"> Executive Changes Former QBE CEO to Succeed Beal</a> <a title="BR November 2018 Zmags page 12" href="http://viewer.zmags.com/publication/d841c0b9?page=12"> Department Axis Capital Names CEO for European U</a> <a title="BR November 2018 Zmags page 13" href="http://viewer.zmags.com/publication/d841c0b9?page=13"> WTW Expands Head of Asia's Role W illis Towers W</a> <a title="BR November 2018 Zmags page 14" href="http://viewer.zmags.com/publication/d841c0b9?page=14"> Monthly Insurance Magazine Published by A.M. </a> <a title="BR November 2018 Zmags page 15" href="http://viewer.zmags.com/publication/d841c0b9?page=15"> Insurance Marketing Center Stage Actor De</a> <a title="BR November 2018 Zmags page 16" href="http://viewer.zmags.com/publication/d841c0b9?page=16"> A Global Conversation Department Home Matters </a> <a title="BR November 2018 Zmags page 17" href="http://viewer.zmags.com/publication/d841c0b9?page=17"> accurately understand the insurance risk as well </a> <a title="BR November 2018 Zmags page 18" href="http://viewer.zmags.com/publication/d841c0b9?page=18"> Next Wave Department Being There The insurance</a> <a title="BR November 2018 Zmags page 19" href="http://viewer.zmags.com/publication/d841c0b9?page=19"> Spotlight on Lloyd's Lloyd's Backs Up Profitabili</a> <a title="BR November 2018 Zmags page 20" href="http://viewer.zmags.com/publication/d841c0b9?page=20"> At Large Insight Smarter Tools Artificial intel</a> <a title="BR November 2018 Zmags page 21" href="http://viewer.zmags.com/publication/d841c0b9?page=21"> Regulatory/Law Priority of Privacy Insight Just</a> <a title="BR November 2018 Zmags page 22" href="http://viewer.zmags.com/publication/d841c0b9?page=22"> Technology Insight Stand Out The use of intelli</a> <a title="BR November 2018 Zmags page 23" href="http://viewer.zmags.com/publication/d841c0b9?page=23"> Special Advertising Section ISSUES & ANSWERS: </a> <a title="BR November 2018 Zmags page 24" href="http://viewer.zmags.com/publication/d841c0b9?page=24"> MANAGEMENT & PROFESSIONAL LIABILITY PROTECTION </a> <a title="BR November 2018 Zmags page 25" href="http://viewer.zmags.com/publication/d841c0b9?page=25"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="BR November 2018 Zmags page 26" href="http://viewer.zmags.com/publication/d841c0b9?page=26"> </a> <a title="BR November 2018 Zmags page 27" href="http://viewer.zmags.com/publication/d841c0b9?page=27"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="BR November 2018 Zmags page 28" href="http://viewer.zmags.com/publication/d841c0b9?page=28"> For your clients' give me peace of mind side. Of</a> <a title="BR November 2018 Zmags page 29" href="http://viewer.zmags.com/publication/d841c0b9?page=29"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="BR November 2018 Zmags page 30" href="http://viewer.zmags.com/publication/d841c0b9?page=30"> Empowering people to live longer </a> <a title="BR November 2018 Zmags page 31" href="http://viewer.zmags.com/publication/d841c0b9?page=31"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="BR November 2018 Zmags page 32" href="http://viewer.zmags.com/publication/d841c0b9?page=32"> SOS Is your organization treading water operation</a> <a title="BR November 2018 Zmags page 33" href="http://viewer.zmags.com/publication/d841c0b9?page=33"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="BR November 2018 Zmags page 34" href="http://viewer.zmags.com/publication/d841c0b9?page=34"> </a> <a title="BR November 2018 Zmags page 35" href="http://viewer.zmags.com/publication/d841c0b9?page=35"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="BR November 2018 Zmags page 36" href="http://viewer.zmags.com/publication/d841c0b9?page=36"> Asset Management Inflection Point </a> <a title="BR November 2018 Zmags page 37" href="http://viewer.zmags.com/publication/d841c0b9?page=37"> “For the first time in a decade—for sure on t</a> <a title="BR November 2018 Zmags page 38" href="http://viewer.zmags.com/publication/d841c0b9?page=38"> Asset Management “For the first time in a decade</a> <a title="BR November 2018 Zmags page 39" href="http://viewer.zmags.com/publication/d841c0b9?page=39"> “Cyber in the financial markets is probably the g</a> <a title="BR November 2018 Zmags page 40" href="http://viewer.zmags.com/publication/d841c0b9?page=40"> Asset Management What's coming next? Where is th</a> <a title="BR November 2018 Zmags page 41" href="http://viewer.zmags.com/publication/d841c0b9?page=41"> Strategic Insight Powered by A.M. Best The fina</a> <a title="BR November 2018 Zmags page 42" href="http://viewer.zmags.com/publication/d841c0b9?page=42"> Life Insurance “You can either be the disrupt</a> <a title="BR November 2018 Zmags page 43" href="http://viewer.zmags.com/publication/d841c0b9?page=43"> Choosing Disruption One year after taking the hel</a> <a title="BR November 2018 Zmags page 44" href="http://viewer.zmags.com/publication/d841c0b9?page=44"> Life Insurance savvy company relying on behavior</a> <a title="BR November 2018 Zmags page 45" href="http://viewer.zmags.com/publication/d841c0b9?page=45"> “Marianne Harrison sees technology not as a disru</a> <a title="BR November 2018 Zmags page 46" href="http://viewer.zmags.com/publication/d841c0b9?page=46"> Life Insurance moves. In recent years, MetLife s</a> <a title="BR November 2018 Zmags page 47" href="http://viewer.zmags.com/publication/d841c0b9?page=47"> business, but they're embracing it and taking adv</a> <a title="BR November 2018 Zmags page 48" href="http://viewer.zmags.com/publication/d841c0b9?page=48"> platform for its life and annuity customers. It w</a> <a title="BR November 2018 Zmags page 49" href="http://viewer.zmags.com/publication/d841c0b9?page=49"> Loss Reserve Trends Approaching the Line Insurer</a> <a title="BR November 2018 Zmags page 50" href="http://viewer.zmags.com/publication/d841c0b9?page=50"> Loss Reserve Trends “Many in the sector these da</a> <a title="BR November 2018 Zmags page 51" href="http://viewer.zmags.com/publication/d841c0b9?page=51"> redundancies are getting less and less. Not every</a> <a title="BR November 2018 Zmags page 52" href="http://viewer.zmags.com/publication/d841c0b9?page=52"> Loss Reserve Trends have helped.We've had low in</a> <a title="BR November 2018 Zmags page 53" href="http://viewer.zmags.com/publication/d841c0b9?page=53"> (Continued from page 50) reserves have been rel</a> <a title="BR November 2018 Zmags page 54" href="http://viewer.zmags.com/publication/d841c0b9?page=54"> Executive Interview CAUSE AND EFFECT: Axa Group</a> <a title="BR November 2018 Zmags page 55" href="http://viewer.zmags.com/publication/d841c0b9?page=55"> Changing the World One Habit at a Time Axa Gro</a> <a title="BR November 2018 Zmags page 56" href="http://viewer.zmags.com/publication/d841c0b9?page=56"> the United Nations where he had just spoken. Exe</a> <a title="BR November 2018 Zmags page 57" href="http://viewer.zmags.com/publication/d841c0b9?page=57"> We would expect that more countries will co</a> <a title="BR November 2018 Zmags page 58" href="http://viewer.zmags.com/publication/d841c0b9?page=58"> Leverage an unmatched understanding </a> <a title="BR November 2018 Zmags page 59" href="http://viewer.zmags.com/publication/d841c0b9?page=59"> Homeowners Insurance Homeowners Insurance H omeo</a> <a title="BR November 2018 Zmags page 60" href="http://viewer.zmags.com/publication/d841c0b9?page=60"> Homeowners Insurance CLOSE TO HOME: The flames </a> <a title="BR November 2018 Zmags page 61" href="http://viewer.zmags.com/publication/d841c0b9?page=61"> Insurers are still tallying up their losses </a> <a title="BR November 2018 Zmags page 62" href="http://viewer.zmags.com/publication/d841c0b9?page=62"> Homeowners Insurance The Carr Fire in Reddi</a> <a title="BR November 2018 Zmags page 63" href="http://viewer.zmags.com/publication/d841c0b9?page=63"> “The problem with wildfires isn't just the destru</a> <a title="BR November 2018 Zmags page 64" href="http://viewer.zmags.com/publication/d841c0b9?page=64"> Homeowners Insurance Jones also appealed to</a> <a title="BR November 2018 Zmags page 65" href="http://viewer.zmags.com/publication/d841c0b9?page=65"> “Sadly, last year and this year's events are maki</a> <a title="BR November 2018 Zmags page 66" href="http://viewer.zmags.com/publication/d841c0b9?page=66"> Homeowners Insurance As insurers adjust to </a> <a title="BR November 2018 Zmags page 67" href="http://viewer.zmags.com/publication/d841c0b9?page=67"> Best's Insurance Reports® Gives You a Panoramic V</a> <a title="BR November 2018 Zmags page 68" href="http://viewer.zmags.com/publication/d841c0b9?page=68"> Homeowners Insurance The Long Tail 66 </a> <a title="BR November 2018 Zmags page 69" href="http://viewer.zmags.com/publication/d841c0b9?page=69"> HURRICANE HARVEY'S AFTERMATH: Residents MANEUVER</a> <a title="BR November 2018 Zmags page 70" href="http://viewer.zmags.com/publication/d841c0b9?page=70"> Homeowners Insurance “Increasingly, we've seen e</a> <a title="BR November 2018 Zmags page 71" href="http://viewer.zmags.com/publication/d841c0b9?page=71"> regulatory activity that we're talking about, som</a> <a title="BR November 2018 Zmags page 72" href="http://viewer.zmags.com/publication/d841c0b9?page=72"> Homeowners Insurance “We're getting to the point</a> <a title="BR November 2018 Zmags page 73" href="http://viewer.zmags.com/publication/d841c0b9?page=73"> “One other thing that I think may contribute to t</a> <a title="BR November 2018 Zmags page 74" href="http://viewer.zmags.com/publication/d841c0b9?page=74"> Best's Rankings A.M. Best Data U.S. Homeowners </a> <a title="BR November 2018 Zmags page 75" href="http://viewer.zmags.com/publication/d841c0b9?page=75"> U.S. Homeowners Multiple Peril - Top Writers by S</a> <a title="BR November 2018 Zmags page 76" href="http://viewer.zmags.com/publication/d841c0b9?page=76"> Conference Coverage Rendez-Vous Recap Reinsurers</a> <a title="BR November 2018 Zmags page 77" href="http://viewer.zmags.com/publication/d841c0b9?page=77"> Industry Outlook A panel of A.M. Best analysts s</a> <a title="BR November 2018 Zmags page 78" href="http://viewer.zmags.com/publication/d841c0b9?page=78"> Conference Coverage M odels will bec</a> <a title="BR November 2018 Zmags page 79" href="http://viewer.zmags.com/publication/d841c0b9?page=79"> What A.M. Best Says Insurers' Approaches to Inno</a> <a title="BR November 2018 Zmags page 80" href="http://viewer.zmags.com/publication/d841c0b9?page=80"> Department insurers have their challenges delive</a> <a title="BR November 2018 Zmags page 81" href="http://viewer.zmags.com/publication/d841c0b9?page=81"> Best's Credit Rating Actions T his</a> <a title="BR November 2018 Zmags page 82" href="http://viewer.zmags.com/publication/d841c0b9?page=82"> Rating Action Business Type Company Name/ Ultim</a> <a title="BR November 2018 Zmags page 83" href="http://viewer.zmags.com/publication/d841c0b9?page=83"> Rating Action Business Type Company Name/ Ultim</a> <a title="BR November 2018 Zmags page 84" href="http://viewer.zmags.com/publication/d841c0b9?page=84"> Rating Action Business Type Company Name/ Ultim</a> <a title="BR November 2018 Zmags page 85" href="http://viewer.zmags.com/publication/d841c0b9?page=85"> BEST'S FINANCIAL STRENGTH RATING GUIDE – (FSR) A </a> <a title="BR November 2018 Zmags page 86" href="http://viewer.zmags.com/publication/d841c0b9?page=86"> BEST'S ISSUER CREDIT RATING GUIDE – (ICR) Depart</a> <a title="BR November 2018 Zmags page 87" href="http://viewer.zmags.com/publication/d841c0b9?page=87"> Optimize Pricing and Risk Strategies with ® </a> <a title="BR November 2018 Zmags page 88" href="http://viewer.zmags.com/publication/d841c0b9?page=88"> Industry Updates Best's Insurance Professionals </a> <a title="BR November 2018 Zmags page 89" href="http://viewer.zmags.com/publication/d841c0b9?page=89"> Connect with A.M. Best On Twitter @AMBest</a> <a title="BR November 2018 Zmags page 90" href="http://viewer.zmags.com/publication/d841c0b9?page=90"> The Last Word Department On Display A 122-year-</a> <a title="BR November 2018 Zmags page 91" href="http://viewer.zmags.com/publication/d841c0b9?page=91"> </a> <a title="BR November 2018 Zmags page 92" href="http://viewer.zmags.com/publication/d841c0b9?page=92"> Expect big things in workers' compensation. Most </a>