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<br /> Want to read Best’s Review in print? Subscribe and save 50%!<br /> www.bestreview.com<br /> December 2008<br /> Monthly Insurance News Magazine Insurers • Agents & Brokers • Reinsurers<br /> Jim Cunningham,<br /> vice president of<br /> the railroad division<br /> at Markel Corp.<br /> America’s railroads are required to transport<br /> hazardous materials—but liability insurance<br /> is expensive and limited.<br /> PAGE 28<br /> Stayin’ Alive: Why<br /> Perpetuation Works<br /> for Agencies<br /> PAGE 38<br /> A.M. Best’s Exclusive<br /> Rankings: Inland<br /> Marine, Marine,<br /> Fire & Allied<br /> PAGE 32I<br /> ???KItfill<br /> Decer<br /> pnnS<br /> \<br /> Insurers |?? Agents & Brokers ??? R<br /> ?????f I I<br /> ??<br /> atftov<b<a title="Best's Review page 1" href="http://viewer.zmags.com/publication/f946a13d?page=1"> Want to read Best’s Review in print? Subscribe an</a> <a title="Best's Review page 2" href="http://viewer.zmags.com/publication/f946a13d?page=2"> Claims estimating technology is undergoing an int</a> <a title="Best's Review page 3" href="http://viewer.zmags.com/publication/f946a13d?page=3"> Published Since 1900 BEST’S REVIEW </a> <a title="Best's Review page 4" href="http://viewer.zmags.com/publication/f946a13d?page=4"> MAIDEN RE Greater than the sum of its parts. </a> <a title="Best's Review page 5" href="http://viewer.zmags.com/publication/f946a13d?page=5"> W e would like to introduc</a> <a title="Best's Review page 6" href="http://viewer.zmags.com/publication/f946a13d?page=6"> Contents BEST’S REVIEW December 2008 Vol.1</a> <a title="Best's Review page 7" href="http://viewer.zmags.com/publication/f946a13d?page=7"> "The CERA credential's emphasis on enterprise ris</a> <a title="Best's Review page 8" href="http://viewer.zmags.com/publication/f946a13d?page=8"> 77 XCLIMATE CONSEQUENCES PROPERTY/CASUALTY 32TO</a> <a title="Best's Review page 9" href="http://viewer.zmags.com/publication/f946a13d?page=9"> !*#&%&+ ,)! $(!&+ </a> <a title="Best's Review page 10" href="http://viewer.zmags.com/publication/f946a13d?page=10"> INSIGHT COLUMNS 60 65 69 73 80 85 95 TECH</a> <a title="Best's Review page 11" href="http://viewer.zmags.com/publication/f946a13d?page=11"> '"!"( )& $"( </a> <a title="Best's Review page 12" href="http://viewer.zmags.com/publication/f946a13d?page=12"> Comment Quote/Unquote “ This fin</a> <a title="Best's Review page 13" href="http://viewer.zmags.com/publication/f946a13d?page=13"> If risk management was a game show category, gu</a> <a title="Best's Review page 14" href="http://viewer.zmags.com/publication/f946a13d?page=14"> Highlights From BestWeek Briefing Greenberg’s Ta</a> <a title="Best's Review page 15" href="http://viewer.zmags.com/publication/f946a13d?page=15"> Democrats Go 4 for 5 Only North Dakota Republican</a> <a title="Best's Review page 16" href="http://viewer.zmags.com/publication/f946a13d?page=16"> Briefing By the Numbers Recently published Specia</a> <a title="Best's Review page 17" href="http://viewer.zmags.com/publication/f946a13d?page=17"> Gain insights. Develop solutions. </a> <a title="Best's Review page 18" href="http://viewer.zmags.com/publication/f946a13d?page=18"> Stock Watch Briefing Tracking the Stocks of Globa</a> <a title="Best's Review page 19" href="http://viewer.zmags.com/publication/f946a13d?page=19"> Employment Insurance Jobs Bucking a national</a> <a title="Best's Review page 20" href="http://viewer.zmags.com/publication/f946a13d?page=20"> People in Insurance Property/Casualty </a> <a title="Best's Review page 21" href="http://viewer.zmags.com/publication/f946a13d?page=21"> Property/Casualty (continued) Fargo Insurance S</a> <a title="Best's Review page 22" href="http://viewer.zmags.com/publication/f946a13d?page=22"> People in Insurance Life (continued) </a> <a title="Best's Review page 23" href="http://viewer.zmags.com/publication/f946a13d?page=23"> ('!' (&-'&"(!#&*"("& ,*&,,&#)"&"')&&'+#&$((!""</a> <a title="Best's Review page 24" href="http://viewer.zmags.com/publication/f946a13d?page=24"> Insurance Marketing ADVERTISING Selfless Gifts </a> <a title="Best's Review page 25" href="http://viewer.zmags.com/publication/f946a13d?page=25"> LIMIT YOUR LIABILITY. Shrink your risk of time w</a> <a title="Best's Review page 26" href="http://viewer.zmags.com/publication/f946a13d?page=26"> Product News SPOTLIGHT Firms Offer Campground C</a> <a title="Best's Review page 27" href="http://viewer.zmags.com/publication/f946a13d?page=27"> INSURE REINSURE REALLY SURE Edwards A</a> <a title="Best's Review page 28" href="http://viewer.zmags.com/publication/f946a13d?page=28"> Ratings Rating Actions T his edi</a> <a title="Best's Review page 29" href="http://viewer.zmags.com/publication/f946a13d?page=29"> Ratings Under Review Rating </a> <a title="Best's Review page 30" href="http://viewer.zmags.com/publication/f946a13d?page=30"> Railroad Liability Property/Casualty THE DEFEN</a> <a title="Best's Review page 31" href="http://viewer.zmags.com/publication/f946a13d?page=31"> The News: As mandatory transporters of haz</a> <a title="Best's Review page 32" href="http://viewer.zmags.com/publication/f946a13d?page=32"> Layering Coverage As the broker for most </a> <a title="Best's Review page 33" href="http://viewer.zmags.com/publication/f946a13d?page=33"> Railroad Liability Property/Casualty Types of Ra</a> <a title="Best's Review page 34" href="http://viewer.zmags.com/publication/f946a13d?page=34"> Cunningham said. He estimated the total railroad </a> <a title="Best's Review page 35" href="http://viewer.zmags.com/publication/f946a13d?page=35"> Top Writers Property/Casualty U.S. Inland Marine </a> <a title="Best's Review page 36" href="http://viewer.zmags.com/publication/f946a13d?page=36"> Top Writers Property/Casualty U.S. Fire & Allied </a> <a title="Best's Review page 37" href="http://viewer.zmags.com/publication/f946a13d?page=37"> 5"1*/50 5)&108&3 </a> <a title="Best's Review page 38" href="http://viewer.zmags.com/publication/f946a13d?page=38"> U.S. Fire & Allied Lines – 2007 Top Writers by St</a> <a title="Best's Review page 39" href="http://viewer.zmags.com/publication/f946a13d?page=39"> Top Writers Property/Casualty U.S. Ocean Marine –</a> <a title="Best's Review page 40" href="http://viewer.zmags.com/publication/f946a13d?page=40"> Agency Perpetuation Agent/Broker </a> <a title="Best's Review page 41" href="http://viewer.zmags.com/publication/f946a13d?page=41"> Agency Perpetuation Agent/Broker Small to mids</a> <a title="Best's Review page 42" href="http://viewer.zmags.com/publication/f946a13d?page=42"> Agency Perpetuation Agent/Broker Exit Strategies </a> <a title="Best's Review page 43" href="http://viewer.zmags.com/publication/f946a13d?page=43"> #1 in indexed life insurance and indexed annuitie</a> <a title="Best's Review page 44" href="http://viewer.zmags.com/publication/f946a13d?page=44"> Reverse Mortgages Life THE NEW AGE Pre- and Po</a> <a title="Best's Review page 45" href="http://viewer.zmags.com/publication/f946a13d?page=45"> Back-Up Plan </a> <a title="Best's Review page 46" href="http://viewer.zmags.com/publication/f946a13d?page=46"> Reverse Mortgages Life vice president of mortgag</a> <a title="Best's Review page 47" href="http://viewer.zmags.com/publication/f946a13d?page=47"> Leading the Way </a> <a title="Best's Review page 48" href="http://viewer.zmags.com/publication/f946a13d?page=48"> our bank acknowledges it is increas- ing,” said D</a> <a title="Best's Review page 49" href="http://viewer.zmags.com/publication/f946a13d?page=49"> Reverse Mortgages Life MetLife Bank has closed o</a> <a title="Best's Review page 50" href="http://viewer.zmags.com/publication/f946a13d?page=50"> Wellness Programs Health/Employee Benefits One</a> <a title="Best's Review page 51" href="http://viewer.zmags.com/publication/f946a13d?page=51"> The company isn’t alone. More organizations no</a> <a title="Best's Review page 52" href="http://viewer.zmags.com/publication/f946a13d?page=52"> “As long as these [healthy lifestyle benefits] ar</a> <a title="Best's Review page 53" href="http://viewer.zmags.com/publication/f946a13d?page=53"> Wellness Programs Health/Employee Benefits of co</a> <a title="Best's Review page 54" href="http://viewer.zmags.com/publication/f946a13d?page=54"> Longevity Insurance Life Gr eat Expectations </a> <a title="Best's Review page 55" href="http://viewer.zmags.com/publication/f946a13d?page=55"> from the 5.3 million people in this age group in </a> <a title="Best's Review page 56" href="http://viewer.zmags.com/publication/f946a13d?page=56"> Longevity Insurance Life leads them to be too co</a> <a title="Best's Review page 57" href="http://viewer.zmags.com/publication/f946a13d?page=57"> Medical Spas Property/Casualty BURNING ISSUES: Pa</a> <a title="Best's Review page 58" href="http://viewer.zmags.com/publication/f946a13d?page=58"> “Some underwriters will allow procedures to be do</a> <a title="Best's Review page 59" href="http://viewer.zmags.com/publication/f946a13d?page=59"> Medical Spas Property/Casualty more than 55 mill</a> <a title="Best's Review page 60" href="http://viewer.zmags.com/publication/f946a13d?page=60"> Distribution Systems Technology INVESTMEN</a> <a title="Best's Review page 61" href="http://viewer.zmags.com/publication/f946a13d?page=61"> He said the most effective use of tech- nology no</a> <a title="Best's Review page 62" href="http://viewer.zmags.com/publication/f946a13d?page=62"> Technology Insight Technology </a> <a title="Best's Review page 63" href="http://viewer.zmags.com/publication/f946a13d?page=63"> Connect the dots: Your workflow is your life</a> <a title="Best's Review page 64" href="http://viewer.zmags.com/publication/f946a13d?page=64"> Distribution Agent/Broker Agents’ </a> <a title="Best's Review page 65" href="http://viewer.zmags.com/publication/f946a13d?page=65"> transaction using download,he added. “It’s </a> <a title="Best's Review page 66" href="http://viewer.zmags.com/publication/f946a13d?page=66"> Distribution Agent/Broker “Agents want to still </a> <a title="Best's Review page 67" href="http://viewer.zmags.com/publication/f946a13d?page=67"> Selling Insight Agent/Broker </a> <a title="Best's Review page 68" href="http://viewer.zmags.com/publication/f946a13d?page=68"> 2009 Renewals Reinsurance/Capital Markets Cleari</a> <a title="Best's Review page 69" href="http://viewer.zmags.com/publication/f946a13d?page=69"> IKE HITS TEXAS: Landing as a Cat- egory 2 hu</a> <a title="Best's Review page 70" href="http://viewer.zmags.com/publication/f946a13d?page=70"> 2009 Renewals Reinsurance/Capital Markets By its</a> <a title="Best's Review page 71" href="http://viewer.zmags.com/publication/f946a13d?page=71"> Selling Insight Life </a> <a title="Best's Review page 72" href="http://viewer.zmags.com/publication/f946a13d?page=72"> Bank-Owned Life Insurance Life Ban</a> <a title="Best's Review page 73" href="http://viewer.zmags.com/publication/f946a13d?page=73"> the fund managed by BlackRock. 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BestDay® offers</a> <a title="Best's Review page 104" href="http://viewer.zmags.com/publication/f946a13d?page=104"> Companies Hartford Laying Off Nearly 2% Of Work F</a> <a title="Best's Review page 105" href="http://viewer.zmags.com/publication/f946a13d?page=105"> Editorial Calendar: Looking Ahead February 2009 </a> <a title="Best's Review page 106" href="http://viewer.zmags.com/publication/f946a13d?page=106"> The Last Word From cut-your-own farms to towerin</a> <a title="Best's Review page 107" href="http://viewer.zmags.com/publication/f946a13d?page=107"> </a> <a title="Best's Review page 108" href="http://viewer.zmags.com/publication/f946a13d?page=108"> Some sureties say one thing, but really mean an</a>