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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 /> <br /> <br /> <br /> <br /> <br /> <br /> Monthly Insurance News Magazine Insurers • Agents & Brokers • Reinsurers<br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> Jim Cunningham,<br /> vice president of<br /> the railroad division<br /> at Markel Corp.<br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> America’s railroads are required to tr<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> Want to read Best’s Review in print? Subscribe an<a title="Best's Review page 2" href="http://viewer.zmags.com/publication/f946a13d?page=2">Claims estimatingtechnologyis undergoingan int</a> Claims estimatingtechnologyis undergoingan int<a title="Best's Review page 3" href="http://viewer.zmags.com/publication/f946a13d?page=3">Published Since 1900BEST’S REVIEW </a> Published Since 1900BEST’S REVIEW <a title="Best's Review page 4" href="http://viewer.zmags.com/publication/f946a13d?page=4">MAIDEN REGreater than thesum of its parts.</a> MAIDEN REGreater than thesum of its parts.<a title="Best's Review page 5" href="http://viewer.zmags.com/publication/f946a13d?page=5">W e would like to introduc</a> W e would like to introduc<a title="Best's Review page 6" href="http://viewer.zmags.com/publication/f946a13d?page=6">ContentsBEST’S REVIEW December 2008 Vol.1</a> ContentsBEST’S REVIEW December 2008 Vol.1<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> "The CERA credential's emphasis on enterprise ris<a title="Best's Review page 8" href="http://viewer.zmags.com/publication/f946a13d?page=8">77 XCLIMATE CONSEQUENCESPROPERTY/CASUALTY32TO</a> 77 XCLIMATE CONSEQUENCESPROPERTY/CASUALTY32TO<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 COLUMNS60656973808595TECH</a> INSIGHT COLUMNS60656973808595TECH<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">CommentQuote/Unquote“ This fin</a> CommentQuote/Unquote“ This fin<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> If risk management was a game show category, gu<a title="Best's Review page 14" href="http://viewer.zmags.com/publication/f946a13d?page=14">Highlights From BestWeekBriefingGreenberg’s Ta</a> Highlights From BestWeekBriefingGreenberg’s Ta<a title="Best's Review page 15" href="http://viewer.zmags.com/publication/f946a13d?page=15">Democrats Go 4 for 5Only North Dakota Republican</a> Democrats Go 4 for 5Only North Dakota Republican<a title="Best's Review page 16" href="http://viewer.zmags.com/publication/f946a13d?page=16">BriefingBy the NumbersRecently published Specia</a> BriefingBy the NumbersRecently published Specia<a title="Best's Review page 17" href="http://viewer.zmags.com/publication/f946a13d?page=17">Gain insights.Develop solutions.</a> Gain insights.Develop solutions.<a title="Best's Review page 18" href="http://viewer.zmags.com/publication/f946a13d?page=18">Stock WatchBriefingTracking the Stocks of Globa</a> Stock WatchBriefingTracking the Stocks of Globa<a title="Best's Review page 19" href="http://viewer.zmags.com/publication/f946a13d?page=19">EmploymentInsurance JobsBucking a national</a> EmploymentInsurance JobsBucking a national<a title="Best's Review page 20" href="http://viewer.zmags.com/publication/f946a13d?page=20">People in InsuranceProperty/Casualty </a> People in InsuranceProperty/Casualty <a title="Best's Review page 21" href="http://viewer.zmags.com/publication/f946a13d?page=21">Property/Casualty (continued) Fargo Insurance S</a> Property/Casualty (continued) Fargo Insurance S<a title="Best's Review page 22" href="http://viewer.zmags.com/publication/f946a13d?page=22">People in InsuranceLife (continued) </a> People in InsuranceLife (continued) <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 MarketingADVERTISINGSelfless Gifts </a> Insurance MarketingADVERTISINGSelfless Gifts <a title="Best's Review page 25" href="http://viewer.zmags.com/publication/f946a13d?page=25">LIMIT YOURLIABILITY.Shrink your risk of time w</a> LIMIT YOURLIABILITY.Shrink your risk of time w<a title="Best's Review page 26" href="http://viewer.zmags.com/publication/f946a13d?page=26">Product NewsSPOTLIGHTFirms OfferCampgroundC</a> Product NewsSPOTLIGHTFirms OfferCampgroundC<a title="Best's Review page 27" href="http://viewer.zmags.com/publication/f946a13d?page=27">INSUREREINSUREREALLY SUREEdwards A</a> INSUREREINSUREREALLY SUREEdwards A<a title="Best's Review page 28" href="http://viewer.zmags.com/publication/f946a13d?page=28">RatingsRating ActionsT his edi</a> RatingsRating ActionsT his edi<a title="Best's Review page 29" href="http://viewer.zmags.com/publication/f946a13d?page=29">Ratings Under ReviewRating </a> Ratings Under ReviewRating <a title="Best's Review page 30" href="http://viewer.zmags.com/publication/f946a13d?page=30">Railroad LiabilityProperty/CasualtyTHE DEFEN</a> Railroad LiabilityProperty/CasualtyTHE DEFEN<a title="Best's Review page 31" href="http://viewer.zmags.com/publication/f946a13d?page=31"> The News: As mandatorytransporters of haz</a> The News: As mandatorytransporters of haz<a title="Best's Review page 32" href="http://viewer.zmags.com/publication/f946a13d?page=32">Layering Coverage As the broker for most </a> Layering Coverage As the broker for most <a title="Best's Review page 33" href="http://viewer.zmags.com/publication/f946a13d?page=33">Railroad LiabilityProperty/CasualtyTypes ofRa</a> Railroad LiabilityProperty/CasualtyTypes ofRa<a title="Best's Review page 34" href="http://viewer.zmags.com/publication/f946a13d?page=34">Cunningham said. He estimated thetotal railroad </a> Cunningham said. He estimated thetotal railroad <a title="Best's Review page 35" href="http://viewer.zmags.com/publication/f946a13d?page=35">Top WritersProperty/CasualtyU.S. Inland Marine </a> Top WritersProperty/CasualtyU.S. Inland Marine <a title="Best's Review page 36" href="http://viewer.zmags.com/publication/f946a13d?page=36">Top WritersProperty/CasualtyU.S. Fire & Allied </a> Top WritersProperty/CasualtyU.S. Fire & Allied <a title="Best's Review page 37" href="http://viewer.zmags.com/publication/f946a13d?page=37"> 5"1*/505)&108&3 </a> 5"1*/505)&108&3 <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> U.S. Fire & Allied Lines – 2007 Top Writers by St<a title="Best's Review page 39" href="http://viewer.zmags.com/publication/f946a13d?page=39">Top WritersProperty/CasualtyU.S. Ocean Marine –</a> Top WritersProperty/CasualtyU.S. Ocean Marine –<a title="Best's Review page 40" href="http://viewer.zmags.com/publication/f946a13d?page=40">Agency PerpetuationAgent/Broker </a> Agency PerpetuationAgent/Broker <a title="Best's Review page 41" href="http://viewer.zmags.com/publication/f946a13d?page=41">Agency PerpetuationAgent/BrokerSmall to mids</a> Agency PerpetuationAgent/BrokerSmall to mids<a title="Best's Review page 42" href="http://viewer.zmags.com/publication/f946a13d?page=42">Agency PerpetuationAgent/BrokerExit Strategies</a> Agency PerpetuationAgent/BrokerExit Strategies<a title="Best's Review page 43" href="http://viewer.zmags.com/publication/f946a13d?page=43">#1 in indexed life insuranceand indexed annuitie</a> #1 in indexed life insuranceand indexed annuitie<a title="Best's Review page 44" href="http://viewer.zmags.com/publication/f946a13d?page=44">Reverse MortgagesLifeTHE NEW AGE Pre- and Po</a> Reverse MortgagesLifeTHE NEW AGE Pre- and Po<a title="Best's Review page 45" href="http://viewer.zmags.com/publication/f946a13d?page=45">Back-UpPlan </a> Back-UpPlan <a title="Best's Review page 46" href="http://viewer.zmags.com/publication/f946a13d?page=46">Reverse MortgagesLifevice president of mortgag</a> Reverse MortgagesLifevice president of mortgag<a title="Best's Review page 47" href="http://viewer.zmags.com/publication/f946a13d?page=47">Leading the Way</a> Leading the Way<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> our bank acknowledges it is increas-ing,” said D<a title="Best's Review page 49" href="http://viewer.zmags.com/publication/f946a13d?page=49">Reverse MortgagesLifeMetLife Bank has closed o</a> Reverse MortgagesLifeMetLife Bank has closed o<a title="Best's Review page 50" href="http://viewer.zmags.com/publication/f946a13d?page=50">Wellness ProgramsHealth/Employee BenefitsOne</a> Wellness ProgramsHealth/Employee BenefitsOne<a title="Best's Review page 51" href="http://viewer.zmags.com/publication/f946a13d?page=51"> The company isn’t alone. Moreorganizations no</a> The company isn’t alone. Moreorganizations no<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> “As long as these [healthy lifestyle benefits]ar<a title="Best's Review page 53" href="http://viewer.zmags.com/publication/f946a13d?page=53">Wellness ProgramsHealth/Employee Benefitsof co</a> Wellness ProgramsHealth/Employee Benefitsof co<a title="Best's Review page 54" href="http://viewer.zmags.com/publication/f946a13d?page=54">Longevity InsuranceLifeGr eatExpectations</a> Longevity InsuranceLifeGr eatExpectations<a title="Best's Review page 55" href="http://viewer.zmags.com/publication/f946a13d?page=55">from the 5.3 million people in thisage group in </a> from the 5.3 million people in thisage group in <a title="Best's Review page 56" href="http://viewer.zmags.com/publication/f946a13d?page=56">Longevity InsuranceLifeleads them to be too co</a> Longevity InsuranceLifeleads them to be too co<a title="Best's Review page 57" href="http://viewer.zmags.com/publication/f946a13d?page=57">Medical SpasProperty/CasualtyBURNING ISSUES: Pa</a> Medical SpasProperty/CasualtyBURNING ISSUES: Pa<a title="Best's Review page 58" href="http://viewer.zmags.com/publication/f946a13d?page=58">“Some underwriters will allow proceduresto be do</a> “Some underwriters will allow proceduresto be do<a title="Best's Review page 59" href="http://viewer.zmags.com/publication/f946a13d?page=59">Medical SpasProperty/Casualtymore than 55 mill</a> Medical SpasProperty/Casualtymore than 55 mill<a title="Best's Review page 60" href="http://viewer.zmags.com/publication/f946a13d?page=60">Distribution SystemsTechnologyINVESTMEN</a> Distribution SystemsTechnologyINVESTMEN<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> He said the most effective use of tech-nology no<a title="Best's Review page 62" href="http://viewer.zmags.com/publication/f946a13d?page=62">Technology InsightTechnology</a> Technology InsightTechnology<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> Connect the dots: Your workflow is your life<a title="Best's Review page 64" href="http://viewer.zmags.com/publication/f946a13d?page=64">DistributionAgent/BrokerAgents’ </a> DistributionAgent/BrokerAgents’ <a title="Best's Review page 65" href="http://viewer.zmags.com/publication/f946a13d?page=65">transaction using download,he added. “It’s </a> transaction using download,he added. “It’s <a title="Best's Review page 66" href="http://viewer.zmags.com/publication/f946a13d?page=66">DistributionAgent/Broker“Agents want to still </a> DistributionAgent/Broker“Agents want to still <a title="Best's Review page 67" href="http://viewer.zmags.com/publication/f946a13d?page=67">Selling InsightAgent/Broker</a> Selling InsightAgent/Broker<a title="Best's Review page 68" href="http://viewer.zmags.com/publication/f946a13d?page=68">2009 RenewalsReinsurance/Capital MarketsCleari</a> 2009 RenewalsReinsurance/Capital MarketsCleari<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> IKE HITS TEXAS: Landing as a Cat-egory 2 hu<a title="Best's Review page 70" href="http://viewer.zmags.com/publication/f946a13d?page=70">2009 RenewalsReinsurance/Capital MarketsBy its</a> 2009 RenewalsReinsurance/Capital MarketsBy its<a title="Best's Review page 71" href="http://viewer.zmags.com/publication/f946a13d?page=71">Selling InsightLife</a> Selling InsightLife<a title="Best's Review page 72" href="http://viewer.zmags.com/publication/f946a13d?page=72">Bank-Owned Life InsuranceLifeBan</a> Bank-Owned Life InsuranceLifeBan<a title="Best's Review page 73" href="http://viewer.zmags.com/publication/f946a13d?page=73">the fund managed by BlackRock. A policy owned </a> the fund managed by BlackRock. A policy owned <a title="Best's Review page 74" href="http://viewer.zmags.com/publication/f946a13d?page=74">Bank-Owned Life InsuranceLifeand analyzes thei</a> Bank-Owned Life InsuranceLifeand analyzes thei<a title="Best's Review page 75" href="http://viewer.zmags.com/publication/f946a13d?page=75">Underwriting InsightLife</a> Underwriting InsightLife<a title="Best's Review page 76" href="http://viewer.zmags.com/publication/f946a13d?page=76">Offshore CedingReinsurance/Capital MarketsFace </a> Offshore CedingReinsurance/Capital MarketsFace <a title="Best's Review page 77" href="http://viewer.zmags.com/publication/f946a13d?page=77">Level the Playing Field (continued)confidence s</a> Level the Playing Field (continued)confidence s<a title="Best's Review page 78" href="http://viewer.zmags.com/publication/f946a13d?page=78">Survey ResultsReinsurance/Capital MarketsIndus</a> Survey ResultsReinsurance/Capital MarketsIndus<a title="Best's Review page 79" href="http://viewer.zmags.com/publication/f946a13d?page=79">Cat ModelingProperty/CasualtyClimateConsequenc</a> Cat ModelingProperty/CasualtyClimateConsequenc<a title="Best's Review page 80" href="http://viewer.zmags.com/publication/f946a13d?page=80"> Additionally, they must keeprisk itself in</a> Additionally, they must keeprisk itself in<a title="Best's Review page 81" href="http://viewer.zmags.com/publication/f946a13d?page=81">Cat ModelingProperty/Casualtyusing today’s mod</a> Cat ModelingProperty/Casualtyusing today’s mod<a title="Best's Review page 82" href="http://viewer.zmags.com/publication/f946a13d?page=82">Loss/Risk Management InsightProperty/Casualty</a> Loss/Risk Management InsightProperty/Casualty<a title="Best's Review page 83" href="http://viewer.zmags.com/publication/f946a13d?page=83">WHATEVER,WHEREVER,WHENEVERTHE RISK,THERE’S A</a> WHATEVER,WHEREVER,WHENEVERTHE RISK,THERE’S A<a title="Best's Review page 84" href="http://viewer.zmags.com/publication/f946a13d?page=84">Risk ModelingProperty/CasualtyC-Level Agenda</a> Risk ModelingProperty/CasualtyC-Level Agenda<a title="Best's Review page 85" href="http://viewer.zmags.com/publication/f946a13d?page=85">CODE RED: Insured losses after Hurricane Katrina </a> CODE RED: Insured losses after Hurricane Katrina <a title="Best's Review page 86" href="http://viewer.zmags.com/publication/f946a13d?page=86">Risk ModelingProperty/Casualtyensure that vari</a> Risk ModelingProperty/Casualtyensure that vari<a title="Best's Review page 87" href="http://viewer.zmags.com/publication/f946a13d?page=87">Underwriting InsightProperty/Casualty</a> Underwriting InsightProperty/Casualty<a title="Best's Review page 88" href="http://viewer.zmags.com/publication/f946a13d?page=88">Why worry when it’stime to prepare yourstatemen</a> Why worry when it’stime to prepare yourstatemen<a title="Best's Review page 89" href="http://viewer.zmags.com/publication/f946a13d?page=89">2009 MeetingsMeetingsAgent/BrokerIndus</a> 2009 MeetingsMeetingsAgent/BrokerIndus<a title="Best's Review page 90" href="http://viewer.zmags.com/publication/f946a13d?page=90">Property Casualty Insurers Association of America</a> Property Casualty Insurers Association of America<a title="Best's Review page 91" href="http://viewer.zmags.com/publication/f946a13d?page=91">MeetingsAgent/Broker LIMRA International</a> MeetingsAgent/Broker LIMRA International<a title="Best's Review page 92" href="http://viewer.zmags.com/publication/f946a13d?page=92"> Professional Liability Under-writing Societ</a> Professional Liability Under-writing Societ<a title="Best's Review page 93" href="http://viewer.zmags.com/publication/f946a13d?page=93">MeetingsAgent/Broker Property Loss Resear</a> MeetingsAgent/Broker Property Loss Resear<a title="Best's Review page 94" href="http://viewer.zmags.com/publication/f946a13d?page=94">MeetingsAgent/BrokerAtlanta, Atlanta, www.nami</a> MeetingsAgent/BrokerAtlanta, Atlanta, www.nami<a title="Best's Review page 95" href="http://viewer.zmags.com/publication/f946a13d?page=95">Federal RegulationRegulatory/Law GetReady</a> Federal RegulationRegulatory/Law GetReady<a title="Best's Review page 96" href="http://viewer.zmags.com/publication/f946a13d?page=96">Federal RegulationRegulatory/LawA smaller insu</a> Federal RegulationRegulatory/LawA smaller insu<a title="Best's Review page 97" href="http://viewer.zmags.com/publication/f946a13d?page=97">Legal InsightRegulatory/Law</a> Legal InsightRegulatory/Law<a title="Best's Review page 98" href="http://viewer.zmags.com/publication/f946a13d?page=98">Municipal BondsReinsurance/Capital MarketsM</a> Municipal BondsReinsurance/Capital MarketsM<a title="Best's Review page 99" href="http://viewer.zmags.com/publication/f946a13d?page=99">This diagram illustrates the balance:Tax-Exempt </a> This diagram illustrates the balance:Tax-Exempt <a title="Best's Review page 100" href="http://viewer.zmags.com/publication/f946a13d?page=100">Municipal BondsReinsurance/Capital Markets </a> Municipal BondsReinsurance/Capital Markets <a title="Best's Review page 101" href="http://viewer.zmags.com/publication/f946a13d?page=101">E-FusionTechnologyComingT getherIn October</a> E-FusionTechnologyComingT getherIn October<a title="Best's Review page 102" href="http://viewer.zmags.com/publication/f946a13d?page=102">E-FusionTechnologyTechnology-Based Underwritin</a> E-FusionTechnologyTechnology-Based Underwritin<a title="Best's Review page 103" href="http://viewer.zmags.com/publication/f946a13d?page=103">InsuranceIndustry NewsNow!BestDay® offers</a> InsuranceIndustry NewsNow!BestDay® offers<a title="Best's Review page 104" href="http://viewer.zmags.com/publication/f946a13d?page=104">CompaniesHartford Laying Off Nearly 2%Of Work F</a> CompaniesHartford Laying Off Nearly 2%Of Work F<a title="Best's Review page 105" href="http://viewer.zmags.com/publication/f946a13d?page=105">Editorial Calendar: Looking AheadFebruary 2009</a> Editorial Calendar: Looking AheadFebruary 2009<a title="Best's Review page 106" href="http://viewer.zmags.com/publication/f946a13d?page=106">The Last WordFrom cut-your-own farms to towerin</a> The Last WordFrom cut-your-own farms to towerin<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 sayone thing, but reallymean an</a> Some sureties sayone thing, but reallymean an