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<br /> A.M. Best Rankings: A.M. Best Discusses Insurance Trade ISSUES & ANSWERS:<br /> Top Audit and Actuarial Firms ILS Rating Methodology Show Navigator Accounting & Actuarial Services<br /> Page 24 Page 31 Page 72 Pages 21-23<br /> www.bestreview.com January 2017<br /> Venture capitalists seek to disrupt the industry's `business as usual' with investments in tech startups that<br /> could be game changers. Pages 42-71<br /> FEATURING<br /> BRENDAN DICKINSON <a title="Best's Review - January 2017 Edition page 1" href="http://viewer.zmags.com/publication/e8f79b79?page=1"> A.M. Best Rankings: A.M.</a> <a title="Best's Review - January 2017 Edition page 2" href="http://viewer.zmags.com/publication/e8f79b79?page=2"> COMPLEX RISKS. SIMPLY HANDLED. Where there's r</a> <a title="Best's Review - January 2017 Edition page 3" href="http://viewer.zmags.com/publication/e8f79b79?page=3"> From the Editor's Desk Meet the Agents of Change</a> <a title="Best's Review - January 2017 Edition page 4" href="http://viewer.zmags.com/publication/e8f79b79?page=4"> Contents AGENTS OF CHANGE Agents of Change 42-71</a> <a title="Best's Review - January 2017 Edition page 5" href="http://viewer.zmags.com/publication/e8f79b79?page=5"> Who will disrupt the disruptors? EY's Global Ins</a> <a title="Best's Review - January 2017 Edition page 6" href="http://viewer.zmags.com/publication/e8f79b79?page=6"> Contents BREXIT Brexit: Breaking Up Is Hard to D</a> <a title="Best's Review - January 2017 Edition page 7" href="http://viewer.zmags.com/publication/e8f79b79?page=7"> </a> <a title="Best's Review - January 2017 Edition page 8" href="http://viewer.zmags.com/publication/e8f79b79?page=8"> Best's Review Interactive @ www.bestreview.com D</a> <a title="Best's Review - January 2017 Edition page 9" href="http://viewer.zmags.com/publication/e8f79b79?page=9"> Video and Audio From A.M. Best ® Inf</a> <a title="Best's Review - January 2017 Edition page 10" href="http://viewer.zmags.com/publication/e8f79b79?page=10"> Executive Changes Department Distribution s</a> <a title="Best's Review - January 2017 Edition page 11" href="http://viewer.zmags.com/publication/e8f79b79?page=11"> RenaissanceRe he was responsible for accounting p</a> <a title="Best's Review - January 2017 Edition page 12" href="http://viewer.zmags.com/publication/e8f79b79?page=12"> Insurance Marketing Department 5 Tips for Brand</a> <a title="Best's Review - January 2017 Edition page 13" href="http://viewer.zmags.com/publication/e8f79b79?page=13"> Best's Calendar Best's Calendar: Trade Shows/Co</a> <a title="Best's Review - January 2017 Edition page 14" href="http://viewer.zmags.com/publication/e8f79b79?page=14"> What A.M. Best Says Best's Special Reports Look </a> <a title="Best's Review - January 2017 Edition page 15" href="http://viewer.zmags.com/publication/e8f79b79?page=15"> A Global Conversation Technology Investment In</a> <a title="Best's Review - January 2017 Edition page 16" href="http://viewer.zmags.com/publication/e8f79b79?page=16"> Next Wave Department The Amazon of Insurance I</a> <a title="Best's Review - January 2017 Edition page 17" href="http://viewer.zmags.com/publication/e8f79b79?page=17"> Spotlight on Workers' Compensation Workers' Comp</a> <a title="Best's Review - January 2017 Edition page 18" href="http://viewer.zmags.com/publication/e8f79b79?page=18"> Spotlight on Specialty Department “Cyber is a h</a> <a title="Best's Review - January 2017 Edition page 19" href="http://viewer.zmags.com/publication/e8f79b79?page=19"> At Large Trumponomics Insight The new presiden</a> <a title="Best's Review - January 2017 Edition page 20" href="http://viewer.zmags.com/publication/e8f79b79?page=20"> Risk Adviser Insight Get Smart Insurers' invest</a> <a title="Best's Review - January 2017 Edition page 21" href="http://viewer.zmags.com/publication/e8f79b79?page=21"> Technology Race to Innovate Insight Insurance </a> <a title="Best's Review - January 2017 Edition page 22" href="http://viewer.zmags.com/publication/e8f79b79?page=22"> Regulatory/Law Insight Year of Innovation Or as</a> <a title="Best's Review - January 2017 Edition page 23" href="http://viewer.zmags.com/publication/e8f79b79?page=23"> Special Advertising Section ISSUES & ANSWERS: </a> <a title="Best's Review - January 2017 Edition page 24" href="http://viewer.zmags.com/publication/e8f79b79?page=24"> </a> <a title="Best's Review - January 2017 Edition page 25" href="http://viewer.zmags.com/publication/e8f79b79?page=25"> SPECIAL ADVERTISING SECTION Issues &</a> <a title="Best's Review - January 2017 Edition page 26" href="http://viewer.zmags.com/publication/e8f79b79?page=26"> A.M. Best Data TOP Audit and Actuarial FIRMS Ran</a> <a title="Best's Review - January 2017 Edition page 27" href="http://viewer.zmags.com/publication/e8f79b79?page=27"> The data are derived from individuals or firm</a> <a title="Best's Review - January 2017 Edition page 28" href="http://viewer.zmags.com/publication/e8f79b79?page=28"> client insurance companies. Again, as described i</a> <a title="Best's Review - January 2017 Edition page 29" href="http://viewer.zmags.com/publication/e8f79b79?page=29"> “ It's extremely easy working with </a> <a title="Best's Review - January 2017 Edition page 30" href="http://viewer.zmags.com/publication/e8f79b79?page=30"> A.M. Best Data Beyond NUMBERS Outside auditors </a> <a title="Best's Review - January 2017 Edition page 31" href="http://viewer.zmags.com/publication/e8f79b79?page=31"> any issues with any of those data items, we would</a> <a title="Best's Review - January 2017 Edition page 32" href="http://viewer.zmags.com/publication/e8f79b79?page=32"> A.M. Best Data issues,” Shaw said.“That's someth</a> <a title="Best's Review - January 2017 Edition page 33" href="http://viewer.zmags.com/publication/e8f79b79?page=33"> Webinar Highlight Insurance-Linked Asset Ma</a> <a title="Best's Review - January 2017 Edition page 34" href="http://viewer.zmags.com/publication/e8f79b79?page=34"> Asset Management In these transactions, we place</a> <a title="Best's Review - January 2017 Edition page 35" href="http://viewer.zmags.com/publication/e8f79b79?page=35"> FINDING SOLUTIONS Symetra CEO Tom Marra says toda</a> <a title="Best's Review - January 2017 Edition page 36" href="http://viewer.zmags.com/publication/e8f79b79?page=36"> Brexit Brexit: Breaking Up Is Hard to Do Despit</a> <a title="Best's Review - January 2017 Edition page 37" href="http://viewer.zmags.com/publication/e8f79b79?page=37"> Brexit has also effectively signaled that it wil</a> <a title="Best's Review - January 2017 Edition page 38" href="http://viewer.zmags.com/publication/e8f79b79?page=38"> Brexit by the end of March 2017, but, as noted, </a> <a title="Best's Review - January 2017 Edition page 39" href="http://viewer.zmags.com/publication/e8f79b79?page=39"> as a warning sign for the U.K. government if it t</a> <a title="Best's Review - January 2017 Edition page 40" href="http://viewer.zmags.com/publication/e8f79b79?page=40"> Strategy ROILING THE INSURANC INDUST Best’s Revi</a> <a title="Best's Review - January 2017 Edition page 41" href="http://viewer.zmags.com/publication/e8f79b79?page=41"> Strategy E RY </a> <a title="Best's Review - January 2017 Edition page 42" href="http://viewer.zmags.com/publication/e8f79b79?page=42"> Strategy by some insurers—incumbents and startup</a> <a title="Best's Review - January 2017 Edition page 43" href="http://viewer.zmags.com/publication/e8f79b79?page=43"> Best's Insurance Reports® Gives You a Panoramic </a> <a title="Best's Review - January 2017 Edition page 44" href="http://viewer.zmags.com/publication/e8f79b79?page=44"> Agents of Change BRENDAN DICKINSON CANAAN PARTNE</a> <a title="Best's Review - January 2017 Edition page 45" href="http://viewer.zmags.com/publication/e8f79b79?page=45"> XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX</a> <a title="Best's Review - January 2017 Edition page 46" href="http://viewer.zmags.com/publication/e8f79b79?page=46"> Agents of Change TRICIA KEMP </a> <a title="Best's Review - January 2017 Edition page 47" href="http://viewer.zmags.com/publication/e8f79b79?page=47"> venture capitalists are fixing their sights and t</a> <a title="Best's Review - January 2017 Edition page 48" href="http://viewer.zmags.com/publication/e8f79b79?page=48"> Agents of Change capabilities and new products, </a> <a title="Best's Review - January 2017 Edition page 49" href="http://viewer.zmags.com/publication/e8f79b79?page=49"> get a loan and pulling the friction “The amount </a> <a title="Best's Review - January 2017 Edition page 50" href="http://viewer.zmags.com/publication/e8f79b79?page=50"> Agents of Change DANIEL RYAN SWISS RE MANISH AG</a> <a title="Best's Review - January 2017 Edition page 51" href="http://viewer.zmags.com/publication/e8f79b79?page=51"> From backing accelerator programs to creatin</a> <a title="Best's Review - January 2017 Edition page 52" href="http://viewer.zmags.com/publication/e8f79b79?page=52"> Agents of Change has invested in companies that </a> <a title="Best's Review - January 2017 Edition page 53" href="http://viewer.zmags.com/publication/e8f79b79?page=53"> insurance company startups “You’re working </a> <a title="Best's Review - January 2017 Edition page 54" href="http://viewer.zmags.com/publication/e8f79b79?page=54"> Agents of Change S tartups, venture cap</a> <a title="Best's Review - January 2017 Edition page 55" href="http://viewer.zmags.com/publication/e8f79b79?page=55"> Ending Dread and Disappointment Spencer Lazar, p</a> <a title="Best's Review - January 2017 Edition page 56" href="http://viewer.zmags.com/publication/e8f79b79?page=56"> Agents of Change Reading the Signs Canaan's Bre</a> <a title="Best's Review - January 2017 Edition page 57" href="http://viewer.zmags.com/publication/e8f79b79?page=57"> Insurance Overdue For Disruption Rob Moffat of B</a> <a title="Best's Review - January 2017 Edition page 58" href="http://viewer.zmags.com/publication/e8f79b79?page=58"> Agents of Change Reinventing the Insurance Exper</a> <a title="Best's Review - January 2017 Edition page 59" href="http://viewer.zmags.com/publication/e8f79b79?page=59"> Remaking the Value Chain Jay Farber of F-Prime C</a> <a title="Best's Review - January 2017 Edition page 60" href="http://viewer.zmags.com/publication/e8f79b79?page=60"> Agents of Change Entrepreneur And Investor XL I</a> <a title="Best's Review - January 2017 Edition page 61" href="http://viewer.zmags.com/publication/e8f79b79?page=61"> Career Curveball Dan Reed's path took him from b</a> <a title="Best's Review - January 2017 Edition page 62" href="http://viewer.zmags.com/publication/e8f79b79?page=62"> Agents of Change </a> <a title="Best's Review - January 2017 Edition page 63" href="http://viewer.zmags.com/publication/e8f79b79?page=63"> Baldwin also saw opportunity, speci</a> <a title="Best's Review - January 2017 Edition page 64" href="http://viewer.zmags.com/publication/e8f79b79?page=64"> Agents of Change we were pursuing the wrong stra</a> <a title="Best's Review - January 2017 Edition page 65" href="http://viewer.zmags.com/publication/e8f79b79?page=65"> convincing others to join their journey, said Ted</a> <a title="Best's Review - January 2017 Edition page 66" href="http://viewer.zmags.com/publication/e8f79b79?page=66"> Agents of Change One at a Time Trǀv is catering </a> <a title="Best's Review - January 2017 Edition page 67" href="http://viewer.zmags.com/publication/e8f79b79?page=67"> Going the Extra Mile Metromile offers a simple wa</a> <a title="Best's Review - January 2017 Edition page 68" href="http://viewer.zmags.com/publication/e8f79b79?page=68"> Agents of Change It's a Small World Startup Insu</a> <a title="Best's Review - January 2017 Edition page 69" href="http://viewer.zmags.com/publication/e8f79b79?page=69"> Insurtech Startups Company/ Year Started </a> <a title="Best's Review - January 2017 Edition page 70" href="http://viewer.zmags.com/publication/e8f79b79?page=70"> Company/ Year Started Purpose/Top Le</a> <a title="Best's Review - January 2017 Edition page 71" href="http://viewer.zmags.com/publication/e8f79b79?page=71"> Company/ Year Started Purpose/Top Le</a> <a title="Best's Review - January 2017 Edition page 72" href="http://viewer.zmags.com/publication/e8f79b79?page=72"> Agents of Change Company/ Year Started </a> <a title="Best's Review - January 2017 Edition page 73" href="http://viewer.zmags.com/publication/e8f79b79?page=73"> Company/ Year Started Purpose/Top Le</a> <a title="Best's Review - January 2017 Edition page 74" href="http://viewer.zmags.com/publication/e8f79b79?page=74"> Trade Shows Insurance Trade Show Navigator by Be</a> <a title="Best's Review - January 2017 Edition page 75" href="http://viewer.zmags.com/publication/e8f79b79?page=75"> 2017 Insurance Trade Shows AGENTS AND BROKERS Eve</a> <a title="Best's Review - January 2017 Edition page 76" href="http://viewer.zmags.com/publication/e8f79b79?page=76"> 2017 Insurance Trade Shows (cont'd) LIFE/HEALTH (</a> <a title="Best's Review - January 2017 Edition page 77" href="http://viewer.zmags.com/publication/e8f79b79?page=77"> Best's Key Rating Guide ®, insurance agents' most</a> <a title="Best's Review - January 2017 Edition page 78" href="http://viewer.zmags.com/publication/e8f79b79?page=78"> Trade Shows W hether it's the relative newcomers</a> <a title="Best's Review - January 2017 Edition page 79" href="http://viewer.zmags.com/publication/e8f79b79?page=79"> Captives and Alternative Risk 0REMIER9ACHTING%VEN</a> <a title="Best's Review - January 2017 Edition page 80" href="http://viewer.zmags.com/publication/e8f79b79?page=80"> Trade Shows The size and number of attendees of </a> <a title="Best's Review - January 2017 Edition page 81" href="http://viewer.zmags.com/publication/e8f79b79?page=81"> Life/Health Planning for the Future Is Top of Min</a> <a title="Best's Review - January 2017 Edition page 82" href="http://viewer.zmags.com/publication/e8f79b79?page=82"> Trade Shows New and emerging risks—along with th</a> <a title="Best's Review - January 2017 Edition page 83" href="http://viewer.zmags.com/publication/e8f79b79?page=83"> Workers' Compensation #HANGING2EGULATIONS -EDICAL</a> <a title="Best's Review - January 2017 Edition page 84" href="http://viewer.zmags.com/publication/e8f79b79?page=84"> Best's Credit Rating Actions Department T </a> <a title="Best's Review - January 2017 Edition page 85" href="http://viewer.zmags.com/publication/e8f79b79?page=85"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Review - January 2017 Edition page 86" href="http://viewer.zmags.com/publication/e8f79b79?page=86"> BEST'S FINANCIAL STRENGTH RATING GUIDE – (FSR) A </a> <a title="Best's Review - January 2017 Edition page 87" href="http://viewer.zmags.com/publication/e8f79b79?page=87"> BEST'S ISSUER CREDIT RATING GUIDE – (ICR) A Best'</a> <a title="Best's Review - January 2017 Edition page 88" href="http://viewer.zmags.com/publication/e8f79b79?page=88"> Industry Updates Newly Qualified Profiles Departm</a> <a title="Best's Review - January 2017 Edition page 89" href="http://viewer.zmags.com/publication/e8f79b79?page=89"> Don't Miss the Next Opportunity in Our 20</a> <a title="Best's Review - January 2017 Edition page 90" href="http://viewer.zmags.com/publication/e8f79b79?page=90"> The Last Word Department In the Corporate spons</a> <a title="Best's Review - January 2017 Edition page 91" href="http://viewer.zmags.com/publication/e8f79b79?page=91"> A.M. Best's Financial Suite: Adding value and cla</a> <a title="Best's Review - January 2017 Edition page 92" href="http://viewer.zmags.com/publication/e8f79b79?page=92"> Expect big things in workers' compensation. Expec</a>