<br /> Top 50 Global Insurers, Asset Managers Issues & Answers:<br /> nswers:<br /> Reinsurance Groups Collaborate on Growth Mutual Success<br /> Page 45 Page 46 Pages 23-35<br /> Visit the new<br /> Best's Review online.<br /> 3EPTEMBERs6OLUMEs)SSUE WWWBESTREVIEWCOM<br /> WWWBESTREVIEWCOM<br /> A . M . B E S T ' S M O N T H L Y I N S U R A N C E M A G A Z I N E<br /> THE DATA<br /> ANTIDOTE<br /> Claims data proves a valuable<br /> weapon in the fight against<br /> opioid misuse. Page 52<br /> Special Claims Section<br /> Pages 51-72<br /> The blue sea.<br /> True love.<br /> Our commitment<br /> to <a title="Best's Review - September 2018 Edition page 1" href="http://viewer.zmags.com/publication/e103a339?page=1"> Top 50 Global </a> <a title="Best's Review - September 2018 Edition page 2" href="http://viewer.zmags.com/publication/e103a339?page=2"> The blue sea. True love. Our commitment to your</a> <a title="Best's Review - September 2018 Edition page 3" href="http://viewer.zmags.com/publication/e103a339?page=3"> From the Editor's Desk An Unexpected Antidote Cl</a> <a title="Best's Review - September 2018 Edition page 4" href="http://viewer.zmags.com/publication/e103a339?page=4"> CLAIMS Contents 51-72 Best's Review examines s</a> <a title="Best's Review - September 2018 Edition page 5" href="http://viewer.zmags.com/publication/e103a339?page=5"> ------------------------ $1,000,000,000 Senior R</a> <a title="Best's Review - September 2018 Edition page 6" href="http://viewer.zmags.com/publication/e103a339?page=6"> Contents 36 Mutual Concerns 40 Captive Insights </a> <a title="Best's Review - September 2018 Edition page 7" href="http://viewer.zmags.com/publication/e103a339?page=7"> Empowering people to live longer </a> <a title="Best's Review - September 2018 Edition page 8" href="http://viewer.zmags.com/publication/e103a339?page=8"> BestWebinars Department Cyber Intruders Target </a> <a title="Best's Review - September 2018 Edition page 9" href="http://viewer.zmags.com/publication/e103a339?page=9"> ® A.M. Best Analysts: Political Change in</a> <a title="Best's Review - September 2018 Edition page 10" href="http://viewer.zmags.com/publication/e103a339?page=10"> Best's Calendar Department Reinsurers, Insurers</a> <a title="Best's Review - September 2018 Edition page 11" href="http://viewer.zmags.com/publication/e103a339?page=11"> MANAGEMENT & PROFESSIONAL LIABILITY PROTECTION </a> <a title="Best's Review - September 2018 Edition page 12" href="http://viewer.zmags.com/publication/e103a339?page=12"> Executive Changes Nationwide Names Jim Fowler Ch</a> <a title="Best's Review - September 2018 Edition page 13" href="http://viewer.zmags.com/publication/e103a339?page=13"> Life/Health Prudential Names Head of National Ac</a> <a title="Best's Review - September 2018 Edition page 14" href="http://viewer.zmags.com/publication/e103a339?page=14"> Insurance Marketing Running Ahead Department </a> <a title="Best's Review - September 2018 Edition page 15" href="http://viewer.zmags.com/publication/e103a339?page=15"> As your business takes to the sky, we protect Le</a> <a title="Best's Review - September 2018 Edition page 16" href="http://viewer.zmags.com/publication/e103a339?page=16"> A Global Conversation Department Claim Check I</a> <a title="Best's Review - September 2018 Edition page 17" href="http://viewer.zmags.com/publication/e103a339?page=17"> “ W e have seen the number of [cy</a> <a title="Best's Review - September 2018 Edition page 18" href="http://viewer.zmags.com/publication/e103a339?page=18"> Next Wave Department The Human Touch Apps, low</a> <a title="Best's Review - September 2018 Edition page 19" href="http://viewer.zmags.com/publication/e103a339?page=19"> Spotlight on Regulation NAIC to Produce Group Ca</a> <a title="Best's Review - September 2018 Edition page 20" href="http://viewer.zmags.com/publication/e103a339?page=20"> At Large Insight Trade War Casualties Policyhol</a> <a title="Best's Review - September 2018 Edition page 21" href="http://viewer.zmags.com/publication/e103a339?page=21"> “Economists agree on few things, but one of the f</a> <a title="Best's Review - September 2018 Edition page 22" href="http://viewer.zmags.com/publication/e103a339?page=22"> Technology Insight A Focus on Data IT resilienc</a> <a title="Best's Review - September 2018 Edition page 23" href="http://viewer.zmags.com/publication/e103a339?page=23"> INSTITUTISM no. 165 Your policy on insurance e</a> <a title="Best's Review - September 2018 Edition page 24" href="http://viewer.zmags.com/publication/e103a339?page=24"> Regulatory/Law Insight Complicated Cats Losses </a> <a title="Best's Review - September 2018 Edition page 25" href="http://viewer.zmags.com/publication/e103a339?page=25"> Special Advertising Section ISSUES & ANSWERS: </a> <a title="Best's Review - September 2018 Edition page 26" href="http://viewer.zmags.com/publication/e103a339?page=26"> AVOID NASTY SURPRISES. WSIA members are experts.</a> <a title="Best's Review - September 2018 Edition page 27" href="http://viewer.zmags.com/publication/e103a339?page=27"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="Best's Review - September 2018 Edition page 28" href="http://viewer.zmags.com/publication/e103a339?page=28"> SOS Is your organization treading water operation</a> <a title="Best's Review - September 2018 Edition page 29" href="http://viewer.zmags.com/publication/e103a339?page=29"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="Best's Review - September 2018 Edition page 30" href="http://viewer.zmags.com/publication/e103a339?page=30"> There's nothing fixed about where tomorrow's credi</a> <a title="Best's Review - September 2018 Edition page 31" href="http://viewer.zmags.com/publication/e103a339?page=31"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="Best's Review - September 2018 Edition page 32" href="http://viewer.zmags.com/publication/e103a339?page=32"> Focused on your goals. First. partnerre.com</a> <a title="Best's Review - September 2018 Edition page 33" href="http://viewer.zmags.com/publication/e103a339?page=33"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="Best's Review - September 2018 Edition page 34" href="http://viewer.zmags.com/publication/e103a339?page=34"> </a> <a title="Best's Review - September 2018 Edition page 35" href="http://viewer.zmags.com/publication/e103a339?page=35"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="Best's Review - September 2018 Edition page 36" href="http://viewer.zmags.com/publication/e103a339?page=36"> For over a century PLM has insured the success of</a> <a title="Best's Review - September 2018 Edition page 37" href="http://viewer.zmags.com/publication/e103a339?page=37"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="Best's Review - September 2018 Edition page 38" href="http://viewer.zmags.com/publication/e103a339?page=38"> Mutual Insurers Mutual Concerns Experts from the</a> <a title="Best's Review - September 2018 Edition page 39" href="http://viewer.zmags.com/publication/e103a339?page=39"> What is the government disaster policy? Cha</a> <a title="Best's Review - September 2018 Edition page 40" href="http://viewer.zmags.com/publication/e103a339?page=40"> Mutual Insurers Where are we headed regarding re</a> <a title="Best's Review - September 2018 Edition page 41" href="http://viewer.zmags.com/publication/e103a339?page=41"> We hear about insurtech all the time. How is tech</a> <a title="Best's Review - September 2018 Edition page 42" href="http://viewer.zmags.com/publication/e103a339?page=42"> Webinar Highlights CAPTIVE PANEL: Issues shaping</a> <a title="Best's Review - September 2018 Edition page 43" href="http://viewer.zmags.com/publication/e103a339?page=43"> “A.M. Best rates currently about 200 captives glo</a> <a title="Best's Review - September 2018 Edition page 44" href="http://viewer.zmags.com/publication/e103a339?page=44"> Webinar Highlights “From a rating perspective, t</a> <a title="Best's Review - September 2018 Edition page 45" href="http://viewer.zmags.com/publication/e103a339?page=45"> Exhibit 13 A.M. Best’s Credit Rating Methodology </a> <a title="Best's Review - September 2018 Edition page 46" href="http://viewer.zmags.com/publication/e103a339?page=46"> Stone houses. Aluminum bats. Our client relatio</a> <a title="Best's Review - September 2018 Edition page 47" href="http://viewer.zmags.com/publication/e103a339?page=47"> Best’s Rankings Top 50 World’s Largest Reinsuranc</a> <a title="Best's Review - September 2018 Edition page 48" href="http://viewer.zmags.com/publication/e103a339?page=48"> Asset Management Collaborative Growth Insurers, </a> <a title="Best's Review - September 2018 Edition page 49" href="http://viewer.zmags.com/publication/e103a339?page=49"> “The headline is searching for more yield, search</a> <a title="Best's Review - September 2018 Edition page 50" href="http://viewer.zmags.com/publication/e103a339?page=50"> Asset Management “Partnerships between asset man</a> <a title="Best's Review - September 2018 Edition page 51" href="http://viewer.zmags.com/publication/e103a339?page=51"> We take on the risk so you can take on the opport</a> <a title="Best's Review - September 2018 Edition page 52" href="http://viewer.zmags.com/publication/e103a339?page=52"> Strategic Insight Powered by A.M. Best </a> <a title="Best's Review - September 2018 Edition page 53" href="http://viewer.zmags.com/publication/e103a339?page=53"> Claims 52 </a> <a title="Best's Review - September 2018 Edition page 54" href="http://viewer.zmags.com/publication/e103a339?page=54"> Claims: Cover Story THE DATA ANTIDOTE Claims da</a> <a title="Best's Review - September 2018 Edition page 55" href="http://viewer.zmags.com/publication/e103a339?page=55"> Claims: Cover Story Key Points Capture the Flag</a> <a title="Best's Review - September 2018 Edition page 56" href="http://viewer.zmags.com/publication/e103a339?page=56"> Claims: Cover Story By applying data analyt</a> <a title="Best's Review - September 2018 Edition page 57" href="http://viewer.zmags.com/publication/e103a339?page=57"> “We're seeing the results of what the data can do</a> <a title="Best's Review - September 2018 Edition page 58" href="http://viewer.zmags.com/publication/e103a339?page=58"> Claims: Cover Story guidelines in 2016, Liberty </a> <a title="Best's Review - September 2018 Edition page 59" href="http://viewer.zmags.com/publication/e103a339?page=59"> Optimize Pricing and Risk Strategies with ® </a> <a title="Best's Review - September 2018 Edition page 60" href="http://viewer.zmags.com/publication/e103a339?page=60"> Making Claims Adjustments Soon more claims adju</a> <a title="Best's Review - September 2018 Edition page 61" href="http://viewer.zmags.com/publication/e103a339?page=61"> ON THE FRONT LINE: An insurance company adjuster </a> <a title="Best's Review - September 2018 Edition page 62" href="http://viewer.zmags.com/publication/e103a339?page=62"> Claims more than 670,000 personal and commercial</a> <a title="Best's Review - September 2018 Edition page 63" href="http://viewer.zmags.com/publication/e103a339?page=63"> “There are exciting, boundless opportunities for </a> <a title="Best's Review - September 2018 Edition page 64" href="http://viewer.zmags.com/publication/e103a339?page=64"> Claims at Jacksonville.Also, students can attend</a> <a title="Best's Review - September 2018 Edition page 65" href="http://viewer.zmags.com/publication/e103a339?page=65"> Claims: Life Insurance Claiming Progress Technol</a> <a title="Best's Review - September 2018 Edition page 66" href="http://viewer.zmags.com/publication/e103a339?page=66"> Claims: Life Insurance USAA Life Group was No. 4</a> <a title="Best's Review - September 2018 Edition page 67" href="http://viewer.zmags.com/publication/e103a339?page=67"> Leverage an unmatched understanding </a> <a title="Best's Review - September 2018 Edition page 68" href="http://viewer.zmags.com/publication/e103a339?page=68"> Claims: Life Insurance “Technology is a game cha</a> <a title="Best's Review - September 2018 Edition page 69" href="http://viewer.zmags.com/publication/e103a339?page=69"> “The industry is also starting to pay greater att</a> <a title="Best's Review - September 2018 Edition page 70" href="http://viewer.zmags.com/publication/e103a339?page=70"> Claims Analytical IMPACT Social media, wearables</a> <a title="Best's Review - September 2018 Edition page 71" href="http://viewer.zmags.com/publication/e103a339?page=71"> greatest impact, and the issues insurers face as </a> <a title="Best's Review - September 2018 Edition page 72" href="http://viewer.zmags.com/publication/e103a339?page=72"> Claims like to be in real time.The way that the </a> <a title="Best's Review - September 2018 Edition page 73" href="http://viewer.zmags.com/publication/e103a339?page=73"> doing, where they are, who they’re with. I think </a> <a title="Best's Review - September 2018 Edition page 74" href="http://viewer.zmags.com/publication/e103a339?page=74"> Claims This is useful.We've seen this happen</a> <a title="Best's Review - September 2018 Edition page 75" href="http://viewer.zmags.com/publication/e103a339?page=75"> What A.M. Best Says Report Examines the Legal Pr</a> <a title="Best's Review - September 2018 Edition page 76" href="http://viewer.zmags.com/publication/e103a339?page=76"> Department much higher general incurred expense </a> <a title="Best's Review - September 2018 Edition page 77" href="http://viewer.zmags.com/publication/e103a339?page=77"> Best's Rankings TOP U.S. A.M. Best Data Life/He</a> <a title="Best's Review - September 2018 Edition page 78" href="http://viewer.zmags.com/publication/e103a339?page=78"> U.S. Life/Health – 2017 Ordinary Life Issued Rank</a> <a title="Best's Review - September 2018 Edition page 79" href="http://viewer.zmags.com/publication/e103a339?page=79"> U.S. Life/Health – 2017 Group Life Issued Ranked </a> <a title="Best's Review - September 2018 Edition page 80" href="http://viewer.zmags.com/publication/e103a339?page=80"> U.S. Life/Health – 2017 Term Life Issued Ranked b</a> <a title="Best's Review - September 2018 Edition page 81" href="http://viewer.zmags.com/publication/e103a339?page=81"> Best's Insurance Reports® Gives You a Panoramic V</a> <a title="Best's Review - September 2018 Edition page 82" href="http://viewer.zmags.com/publication/e103a339?page=82"> Best's Credit Rating Actions Department T </a> <a title="Best's Review - September 2018 Edition page 83" href="http://viewer.zmags.com/publication/e103a339?page=83"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Review - September 2018 Edition page 84" href="http://viewer.zmags.com/publication/e103a339?page=84"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Review - September 2018 Edition page 85" href="http://viewer.zmags.com/publication/e103a339?page=85"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Review - September 2018 Edition page 86" href="http://viewer.zmags.com/publication/e103a339?page=86"> BEST'S FINANCIAL STRENGTH RATING GUIDE – (FSR) D</a> <a title="Best's Review - September 2018 Edition page 87" href="http://viewer.zmags.com/publication/e103a339?page=87"> BEST'S ISSUER CREDIT RATING GUIDE – (ICR) A Best'</a> <a title="Best's Review - September 2018 Edition page 88" href="http://viewer.zmags.com/publication/e103a339?page=88"> Industry Updates Best's Insurance Professionals </a> <a title="Best's Review - September 2018 Edition page 89" href="http://viewer.zmags.com/publication/e103a339?page=89"> Connect with A.M. Best On Twitter @AMBestCo </a> <a title="Best's Review - September 2018 Edition page 90" href="http://viewer.zmags.com/publication/e103a339?page=90"> The Last Word Department A New Lease on Life Ce</a> <a title="Best's Review - September 2018 Edition page 91" href="http://viewer.zmags.com/publication/e103a339?page=91"> </a> <a title="Best's Review - September 2018 Edition page 92" href="http://viewer.zmags.com/publication/e103a339?page=92"> Expect big things in workers' compensation. Most </a>