United States Insurance Industry - A US Market Report

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1 Brochure More information from United States Insurance Industry - A US Market Report Description: The United States Insurance Industry Report provides insightful analysis, market overview, industry structure and outlook of life and non-life/ property & casualty insurance industries in the country. Richly laden with quantitative analysis, the report also provides the reader with an exhaustive statistical preface to the industry. A synopsized discussion offers preludes to reinsurance and other insurance markets within the non-life/ property & casualty insurance sector, such as automobile, homeowners, fire & allied, catastrophe, workers' compensation, medical malpractice, liability, aviation, travel, and marine insurance. In addition, also get a sneak peek at flood, mortgage, title, municipal bond, venture capital, environmental, credit, political risk, and pet insurance among others. Get to know about various types of life insurance products in the US market, backed by statistical inference of key players in these markets. The closely summarized US market report is designed to offer a broad, macro level picture of the trends, challenges, market structure/basics, recent mergers & acquisitions, and strategic corporate developments witnessed by the industry. The discussion summarizes, in addition to other market variables, the distribution systems, bancassurance, marketing & distribution, and regulatory overview in the region. The report offers a recapitulation of recent launches of insurance products by major industry players in the country. Also provided is a compilation of recent past/ historical perspective of the country's insurance market and corporate developments within the industry. The report examines the leading companies' footing in insurance markets at regional level, along with their annual written premiums and/ or market shares. Regional key and niche players briefly discussed and abstracted in the report include Aetna Inc., AFLAC, Allstate Financial Group, American International Group, Inc., AXA Equitable, Berkshire Hathaway, Chubb Corp., Cigna Corp., Crawford & Co., Fidelity National Financial, Liberty Mutual Group, Lincoln National Corp., MassMutual Financial Group, Metropolitan Life Insurance Co., Mortgage Guaranty Insurance Corp., New York Life Insurance Co., Pacific Life Insurance Co., Partner Reinsurance Company Ltd, Pets Best, Prudential Financial, State Farm Group, The PMI Group, Inc., United Guaranty, UnitedHealth Group Inc., Unum Group, and WellPoint Inc. among several others. In addition, leading insurance brokers like Aon Corp., Arthur J. Gallagher & Co., Brown & Brown Inc., Marsh & McLennan Cos. Inc., and Wells Fargo & Co. have also been discussed and summarized in the report. Please note: Reports are sold as single-site single-user licenses. Electronic versions require hours as each copy is customized to the client with digital controls and custom watermarks. For information on site licence pricing please click on Enquire before buying Contents: 1. Industry Overview US-1 Current & Future Analysis US-1 Table 1: US Recent Past, Current & Future Analysis for Insurance Industry by Segment - Life and Non-Life Markets Independently Analyzed with Direct Premiums Written in US$ Billion for the Years 2006 through 2010 (includes corresponding Graph/Chart) US-1 Table 2: US 5-Year Perspective for Insurance Industry by Segment - Percentage Breakdown of Direct Premiums Written for Life and Non-Life Markets for 2006, 2008, and 2010 (includes corresponding Graph/Chart) US & 2007: The Calm After the Storm US-2 Market Snippets US-2 Life Insurance - Good Going US-2 Homeowners Insurance Policies - Private Insurers Repulsing US-2 Title Insurance US-3 Reinsurance - Storms Settle Prices US-3 Marine Insurance - Buoyed by Growing International Trade US-3 Construction Insurance - Shrinking Coverage US-3

2 2007: Overview US-4 Table 3: US Property & Casualty Insurance Market (2006 & 2007): Percentage Breakdown of Direct Premiums Written by Category for Private Passenger Auto, Homeowners Multiple Peril, Workers Compensation, Commercial Multiple Peril, Commercial Auto, Inland Marine, Medical Malpractice, Fire, Accident & Health, Mortgage Guaranty, and Other Insurance (includes corresponding Graph/Chart) US-4 Table 4: Leading Players in the US Property/Casualty Insurance Market (2006): Revenues in US$ Billion by Company - American International Group, Berkshire Hathaway, State Farm Insurance Cos., Allstate and Hartford Financial Services (includes corresponding Graph/Chart) US-4 Reforms on the Cards US-5 Prices to Stabilize in Near Future US-5 Fundamental Risks Loom Large US-5 Homeowners and Auto Insurance Markets to Quiver US-6 Buoyant Growth Foreseen in Pet Insurance Market US : Going Gets Tough US-6 Property Insurance - Stunned by Storms US-7 Casualty Insurance - Renewals Slump US-7 Onshore Property Insurance Markets - The Worst Affected US : A Review US-7 Table 5: US Property & Casualty Insurance Market (2004): Percentage Breakdown of Net Premiums Written by Line - Accident & Health, Commercial Lines, and Personal Lines (includes corresponding Graph/Chart) US-8 Table 6: US Personal Lines Insurance Market (2004): Percentage Breakdown of Net Premiums Written by Segment - Private Passenger Auto Liability, Homeowners Multi Peril, and Private Passenger Auto Physical Damage (includes corresponding Graph/Chart) US-9 Growth Slows in the US US-9 Underwriting Performance US-9 Premiums and Pricing US-9 Investment Performance US-9 Combined Ratio and Source of Income US-10 Table 7: US Insurance Industry ( ): Percentage of Investments by Property/Casualty Insurers in Bonds, Stocks (Preferred & Common), Mortgage Loans on Real Estate and Others (includes corresponding Graph/Chart) US-10 Policyholder Surplus US-11 Expense Ratio US-11 Issue on Tort Costs US-11 Surging Losses from Asbestos and Environmental (A&E) Claims US-11 Liability Insurance - A Major Concern US Market Review US-14 Table 8: The US Insurance Industry (2006): Per Capita Premium in US$, and Penetration of Insurance by Category - Life and Non-Life US-14 Key Trends and Issues US-14 Regional Insurers Gain Ground US-14 Risk' is the Bait for Business US-14 Small Insurers Keep Afloat US-15 Wave of Demutualization Activity Marks US Insurance Industry US-15 US Government Opposes Terrorism Insurance US-15 Amendment to Terrorism Risk Insurance Act US-16 Insurance Frauds - A Major Challenge to Industry US-16 Table 9: US' Insurance Fraud Costs (In US$ Billion) by Sector (2000) (includes corresponding Graph/Chart) US-16

3 Regulatory Setup to Handle Insurance Frauds US-16 Insolvencies US-17 Managing Solvencies/Insolvencies US-18 Guaranty Funds US-19 Mails Play a Vital Role in the US Insurance Industry US-19 Trends Prevailing in the Industry US-19 Electronic Invasion US-20 Factors Driving the Industry US September 11: The Aftershocks US-21 9/11 - The Costliest Insured Disaster US-22 Estimated Insurance Payments Related to Sept , by Sector (In US$) US-22 Table 10: September 11: Estimates of Losses for US Insurance Industry (In US$ Billion) (includes corresponding Graph/Chart) US-22 The Ripples from WTC Disaster US-23 Skyrocketing Insurance Rates US-23 The Other Cause US-23 Corporate America Shuns Traditional Insurance US-23 All Eyes Turn Towards Catastrophe Modeling US-24 The Recessionary Climate US-24 Sustained Underpricing US-25 Medical Inflation US-25 Corporate Failures US-25 Abuse of the Legal System US Competitive Landscape US-27 Functioning of Insurance Companies US-27 Comparative Study of the US vis-à-vis Europe US-27 Table 11: Leading Insurance Groups in the US (2005): Net Written Premiums in US$ Billion for Allstate, American International Group, Berkshire-Hathaway, Hartford, Liberty Mutual, Nationwide, Progressive, St. Paul Travelers, State Farm, and Zurich (includes corresponding Graph/Chart) US-28 Table 12: Leading Commercial Insurance Groups in the US (2005): Percentage Breakdown of Net Written Premiums for American International Group, Ace Ltd, Chubb & Son Inc, CNA Insurance Group, St Paul Travelers Group, Hartford Fire & Casualty, Liberty Mutual Insurance Group, Nationwide Corp, State Farm Group, Zurich, and Others (includes corresponding Graph/Chart) US-28 Table 13: Leading Personal Insurance Groups in the US (2005): Percentage Breakdown of Net Written Premiums for American International Group, Allstate Insurance Group, Berkshire Hathaway, Liberty Mutual, Nationwide Corp, Progressive Group, State FarmGroup, St Paul Travelers Group, United Services Automobile Asn Group, Zurich, and Others (includes corresponding Graph/Chart) US-29 Table 14: No. of Insurance Companies in the US by State and Category: US-30 Need to Overcome the Hurdles US-31 Life Insurance US-31 Table 15: US Life Insurance Industry (2003): Gross Written Premium in US$ Billion by Leading Companies for Metropolitan Life & Affiliated, AIG, Hartford Life, ING, Prudential of America, AEGON, Equitable, New York Life, MassMutual Financial, and Manulife Financial (includes corresponding Graph/Chart) US-31 Non-Life Insurance US-32

4 Table 16: US Non-life Insurance Industry (2003): Gross Written Premium in US$ Billion by Leading Companies for State Farm Mutual Group, American International Group, Allstate Insurance Co. Group, Liberty Mutual Group, Travelers Property Casualty Corp. & Affiliates, Farmers Insurance Group, Nationwide Group, Zurich Insurance Co. Group, Progressive Casualty Group, and Continental Casualty Group (CNA) (includes corresponding Graph/Chart) US Review of Major Non-Life Insurance Segments US-33 5a. Property/Casualty Insurance US-33 Outlook for Property/Casualty Insurance Industry US-33 Katrina Spells Doom for the Sector US-33 Table 17: US Property & Casualty Insurance Industry (2005): Percentage Breakdown of Direct Premiums Written by Category -Commercial Auto Liability, Commercial Auto Physical Damage, Commercial Multiple Peril, Homeowners Multiple Peril, Private Passenger Auto Liability, Private Passenger Auto Physical Damage, Fire, Inland Marine, Workers Compensation, Medical Malpractice, and Others (includes corresponding Graph/Chart) US-34 Table 18: Leading Players in US Property & Casualty Insurance Industry (2005): Net Written Premiums in US$ Million for Amer Intl Group, Allstate Ins Group, Berkshire Hathaway, Farmers Ins Group, Hartford Ins Group, Liberty Mutual, Nationwide Group, Progressive Ins Group, State Farm Group, and St. Paul Travelers Group (includes corresponding Graph/Chart) US-35 P&C Industry Posts Profits - A Year 2005 Perspective US-35 P&C Sector Concentrates on Diversified Sales channels US-35 Property and Casualty Premium Rates at Crossroads US-35 Table 19: US Property Insurance Market: Leading Disasters By Industry Losses in US$ Billion (includes corresponding Graph/Chart) US-36 Market Heads Towards Recovery US-36 Pricing US-37 Deductibles US-37 Terrorism US-37 Insurers Increasingly Rely on Segmentation to Cut Pricing Risks US-37 Industry Hit Hard by Global Climatic Changes US-37 Table 20: Natural Catastrophes in the US (2005): Actual Loss in US$ Billion for Hurricane Dennis, Hurricane Rita, Hurricane Wilma, and Hurricane Katrina US-38 Table 21: Top Natural Catastrophes in the US & 2004 US-38 A Perspective of P&C Losses US-39 Table 22: US Property-Casualty Insurance Losses from Catastrophic Events for 1991 to 2004 (Losses in US$ billion) (includes corresponding Graph/Chart) US-39 Casualty Insurance US-39 Table 23: Leading Players in the US Group Casualty Market: 2003(includes corresponding Graph/Chart) US-40 Table 24: US Other Accident & Health Casualty Insurance Market (2003): Percentage Market Share of Leading Companies (includes corresponding Graph/Chart) US-41 Table 25: US Private Passenger Casualty Insurance Market (2003): Percentage Market Share of Leading Companies (includes corresponding Graph/Chart) US-41 Table 26: US Commercial Casualty Insurance Market (2003): Percentage Market Share of Leading Companies (includes

5 corresponding Graph/Chart) US-42 Table 27: US Other Liability/Casualty Insurance Market (2003): Percentage Market Share of Leading Companies (includes corresponding Graph/Chart) US-42 General Liability Cover - A Must Have for Businesses US-42 Workers' Compensation US-43 Umbrella and Excess Liability US-43 Coverage and Restrictions US-43 Casualty Alternative Risk Transfer & Integrated Risk US-43 Blended and Finite Risk US-43 Swing Plans & Captives US-44 Key Statistics US-44 Table 28: US Property/Casualty Insurance Market: Percentage Share Breakdown by Dollars of Direct Premiums Written by Segment for 2003 (includes corresponding Graph/Chart) US-44 Table 29: US Inland Casualty Insurance Market (2004 & 2005): Percentage Market Share of Leading Companies (includes corresponding Graph/Chart) US-45 Table 30: Leading Players in the US Inland Casualty Market: 2003 (includes corresponding Graph/Chart) US-45 Insolvency Rates of US P/C Companies On Rise US-46 Table 31: Principal Factors Causing Insolvency in the US Property/Casualty Insurance Market (2002) (includes corresponding Graph/Chart) US-46 Table 32: Insolvency Rates for US P/C Companies by Year ( ) (includes corresponding Graph/Chart) US-46 Competitive Landscape US-47 A Fragmented Industry US-47 Table 33: Leading Players in US Property & Casualty Market (2003): Percentage Share Breakdown by Net Written Premium for State Farm Group, American International Group I, Allstate Insurance Group, Zurich/Farmers Group, Berkshire Hathaway Ins. Group, Nationwide Group, St. Paul Travelers Cos, Liberty Mutual Insurance Cos, Progressive Insurance Group, Chubb Group of Insurance Cos. and Other (includes corresponding Graph/Chart) US-47 Table 34: Leading Property/casualty (P/C) insurance Players By Revenues: 2003 (includes corresponding Graph/Chart) US-48 Table 35: Leading Property/Casualty Reinsurers by Net Premiums Written in the US: 2003 (In US$ billion) (includes corresponding Graph/Chart) US-49 P/C - Before and After 9/11 US-49 P/C Before 9/11 US-49 Property/Casualty Industry - After September 11 US-50 Toughening Trends US-50 Bleak Picture - Better Prospects US-50 Recovery Springs from Within US-50 Effective Capital Deployment and Customer Confidence - Key to Recovery US-51 5b. Automobile Insurance US-52 Market Overview US-52 Auto Insurance Premium Slated to Decline US-52 Table 36: US Auto Insurance Average Expenditure ( ) (In US$ million) (includes corresponding Graph/Chart) US-52 Table 37: US Insurance Industry ( ): Consumer Price

6 Index for Auto Insurance (includes corresponding Graph/Chart) US-52 Table 38: Passenger Vehicle Accident Insurance Claims Paid in 2004 US-53 Auto Insurance Prices in Reverse Gear US-53 Factors Affecting Rates of Auto Insurance US-53 Table 39: US Insurance Industry (2005): Average Spending on Auto Insurance ( ) (In US $) (includes corresponding Graph/Chart) US-54 Table 40: Average Spending on Auto Insurance ( ) (includes corresponding Graph/Chart) US-54 Liability Insurance Leads to Rise in Motor Insurance Premiums in Mississippi US-54 Factors Affecting Insurance Premium US-55 Compulsory Auto Insurance US-55 No-Fault Auto Insurance US-55 Developments US-56 No-Fault Auto Insurance Proven Ineffective US-56 New York's No-Fault Auto Insurance Fraud Increasing Considerably US-57 Low Priced Premiums Introduced US-58 New York Passes New Law to Reduce Fraud US-58 New Bill Introduced by the US Government US-58 Governments Restrict Claims for Uninsured Drivers US-59 Key Trends and Issues US-59 US Auto Insurers Gear Up to Tap Generation Y Market US-59 Competition Heats Up in US Private-Passenger Auto Market US-59 US Insurance Industry Announces Top 10 Safe Passenger Cars US-59 Older Drivers More Prone to Accidents US-60 Medicines Cause for Risk US-60 Steps Taken for Reducing Fatal Accidents US-60 Licensing Standards for the Old US-61 Tire Insurance Market on the Surge US-61 Auto Crash - A Growing Concern US-61 Table 41: US Insurance Industry: Traffic Fatalities ( ) (In 000) (includes corresponding Graph/Chart) US-62 Table 42: US Insurance Industry (2003): Percentage Breakdown of Motor Vehicle Deaths by Activity of Drivers, Passengers, Pedestrians, Motorcycle Riders, Pedal Cyclists and Others (includes corresponding Graph/Chart) US-62 Table 43: US Insurance Industry ( ): Percentage Share of Alcohol Related Deaths in the US (includes corresponding Graph/Chart) US-62 Insurance Companies Encourage Safe Driving tocustomers US-62 Table 44: US Insurance Industry (2004): Seat Belt Laws for Top Twenty States US-63 Table 45: US Insurance Industry ( ): Traffic Deaths (includes corresponding Graph/Chart) US-64 Table 46: US Insurance Industry: Accidents by Drivers' Age (2003) (includes corresponding Graph/Chart) US-64 Measures Taken to Reduce Drunk Driving US-65 Laws for Repeat Offenders US-65 Laws on Liability Issues US-65 New Regulations US-65 Generic Auto Crash Parts US-65 Background US-65 Key Players US-66 Table 47: Leading Players in the US Private Passenger Auto Insurance Market (2006): Direct Premiums Written in US$ Billion by Company -State Farm Mutual Group, Allstate

7 Insurance Co. Group, Progressive Casualty Group, National Indemnity Co. Group (Berkshire Hathaway), Farmers Insurance Group, Nationwide Group, United Services Automobile Association Group, American International Group, Liberty Mutual Group and American Family Insurance Group (includes corresponding Graph/Chart) US-66 Table 48: US Passenger Auto Insurance Industry (2006): Percentage Breakdown of Expenses and Claims in Relation to Premiums (includes corresponding Graph/Chart) US-67 Table 49: US Auto Insurance Market (2005 & 2006): Percentage Breakdown of Losses by Category for Private Passenger Liability, Private Passenger Physical Damage, Commercial Auto Liability, and Commercial Auto Physical Damage (includes corresponding Graph/Chart) US-67 Table 50: US Automobile Insurance Market (2005): Direct Premiums Written in US$ Million for Allstate, Berkshire Hathaway, Nationwide, Progressive, and State Farm (includes corresponding Graph/Chart) US-67 Table 51: Leading Players in the US Personal Auto Insurance Market (2005): Percentage Share of Net Written Premiums by Company - Allstate Insurance Group, American Family Insurance, American International Group, Berkshire Hathaway, Farmers Insurance Group, Liberty Mutual, Nationwide Group, Progressive Insurance, State Farm Group, USAA Group, and Others (includes corresponding Graph/Chart) US-68 Table 52: Leading Players in the US All-Private Passenger Auto Insurance Industry (2005): Percentage Market Share of Direct Written Premiums by Company - Allstate Insurance Group, American Family Insurance, American Intl Group, Berkshire Hathaway, Farmers Insurance Group, Liberty Mutual, Nationwide Group, Progressive Insurance Group, USAA Group, and Others (includes corresponding Graph/Chart) US-68 Table 53: Leading Players in US Private Passenger Auto Insurance Industry (2004): Percentage Market Share of Net Written Premiums by Company - Allstate Insurance Group, American Family Insurance, Berkshire Hathaway, Farmers Insurance Group, Liberty Mutual, Nationwide Group, Progressive Insurance Group, State Farm Group, St. Paul Travelers, USAA Group, and Others (includes corresponding Graph/Chart) US-69 Table 54: US Auto Physical Damage Insurance Market (2005): Percentage Breakdown of Direct Written Premiums by Province - California, Florida, Texas, New York, Michigan, Pennsylvania, Illinois, Georgia, Ohio, New Jersey, and Other States (includes corresponding Graph/Chart) US-69 Table 55: Leading Players in US Auto Insurance Market (2003): Percentage Share Breakdown by Net Written Premium for State Farm Group, Allstate Insurance Group, Progressive Insurance Group, Zurich/Farmers Group, Berkshire Hathaway Ins Group, Nationwide Group, Liberty Mutual Ins Cos, USAA Group, American International Group, Travelers P&C Group and Other (includes corresponding Graph/Chart) US-70 Table 56: US Private Passenger Auto Insurance Industry for 2003: Leading Players Ranked by Direct Premium Written (in

8 US$ Billion) for State Farm Mutual Group, Allstate Insurance Co. Group, Progressive Casualty Group, Farmers Insurance Group, National Indemnity Co. Group Berkshire Hathaway), Nationwide Group, United Services Automobile Association Group, Liberty Mutual Group, American International Group, American Family Insurance Group, and Others (includes corresponding Graph/Chart) US-71 Nonstandard Automobile Market Recovers and Faces Stiff Competition US-71 Rates on the Uptrend for Auto Insurance US-71 Key Factors Driving Auto Premium Hikes US-72 Rising Auto Insurance Premiums in New York State US-72 Table 57: Leading States for US Auto Insurance: 2003 (In US$ billion) (includes corresponding Graph/Chart) US-73 South Carolina Ranks High in Number of Uninsured Drivers US-73 Trucking Industry Doused Under High Premiums US-73 Auto Insurance - Diminished Value Concept US-73 Georgia Opens Pandora's box US-74 A Solution in Sight US-74 Auto Theft US-75 Motor Vehicle Theft Statistics US-75 Table 58: Motor Vehicle Thefts in the US for (In Millions) (includes corresponding Graph/Chart) US-75 Table 59: Motor Vehicle Theft in the US (2003): Leading Metropolitan Areas by Stolen Vehicles (In 000) (includes corresponding Graph/Chart) US-76 Components - Targeted for Theft Too US-76 Factors Contributing for Decline in Motor Vehicle Thefts US-77 Combating the Problem US-77 Providing Discounts US-77 Car Theft Regulations US-77 Commercial Auto Insurance in the US: Key Statistics US-78 Table 60: Leading Players in the US All-Commercial Auto Insurance Industry (2005): Percentage Market Share of Direct Written Premiums by Company - American Intl Group, CNA Ins Co, Hartford Ins Group, Liberty Mutual, Nationwide Group, Old Republic Gen Group, Progressive Ins Group State Farm Group, St. Paul Travelers Group, Zurich, and Others (includes corresponding Graph/Chart) US-78 Table 61: Leading Players in US Commercial Auto Insurance Market (2002): Dollars of Direct Premiums Written for Zurich/Farmers Group, Travelers P C Group, Progressive Group, St Paul Cos, CNA Ins Cos, Amer Intl Group Inc, Liberty Mutual Ins Cos, State Farm Group, Nationwide Group, and Auto-Owners Ins Group (includes corresponding Graph/Chart) US-79 Auto Liability Insurance in the US - Key Statistics US-80 Table 62: Leading Players in the US Auto Liability Insurance Market (2005): Direct Written Premiums in US$ Billion for Allstate Ins Group, Amer Intl Group, Berkshire Hathaway, Farmers Ins Group, Liberty Mutual, Nationwide Group, Progressive, State Farm Group, St. Paul Travelers Group, and USAA Group (includes corresponding Graph/Chart) US-80 Table 63: US Auto Liability Insurance Market (2005): Percentage Breakdown of Premiums by Province -California, Florida, New York, Texas, New Jersey, Pennsylvania, Illinois, Michigan, Ohio, Massachusetts, Georgia, North Carolina, Virginia, Maryland, Washington, and Other States (includes corresponding Graph/Chart) US-80 Table 64: Leading Players in US Auto Liability Insurance

9 Market (2002): Dollars of Direct Premiums Written for State Farm Group, Allstate Ins Group, Progressive Group, Zurich/Farmers Group, Nationwide Group, Berkshire Hathaway, Travelers P C Group, Amer Intl Group, USAA Group, and Liberty Mutual Ins Cos (includes corresponding Graph/Chart) US-81 Table 65: Leading Players in US Auto Liability Insurance Market ( ): Percentage Share Breakdown by Dollars of Direct Premiums Written for State Farm Group, Allstate Ins Group, Progressive Group, Zurich/Farmers Group, Nationwide Group, Berkshire Hathaway, Travelers P C Group, Amer Intl Group, USAA Group, Liberty Mutual Ins Cos, and Others (includes corresponding Graph/Chart) US-82 Table 66: Leading Players in the US Private Passenger Casualty Market by Net Premium Written: 2003 (includes corresponding Graph/Chart) US-83 5c. Homeowners Insurance US-84 Home Insurance Coverage US-84 Seven Basic Kinds of Home Insurance Policies US-84 Covered and Not Covered Events of Casualty/ Damage in Home Insurance US-85 Disaster Prone Areas Face Lesser Insurance Coverage US-86 Huge Losses Deter Insurers from Offering Rich Earthquake Policies US-86 Homeowner's Earthquake Policies on Decline as Insurers Reduce Benefits US-86 Market Overview and Key Statistics US-87 Table 67: Leading Players in the US Homeowners Insurance Market (2006): Direct Premiums Written in US$ Billion by Company - State Farm Mutual Group, Allstate Insurance Group, Zurich Insurance Group, Nationwide Group, Travelers Group, USAA Group, Liberty Mutual Insurance Group, Chubb & Son Group, American Family Insurance Group and Hartford Fire & Casualty Group (includes corresponding Graph/Chart) US-87 Table 68: US Homeowners Insurance Market (2005 & 2006): Percentage Breakdown of Losses by Claim Category for Property Damage (Fire, Lightning and Debris Removal, Wind and Hail, Water and Freezing, Theft, and Other Property Damage) and Liability (includes corresponding Graph/Chart) US-87 Table 69: US Homeowners Insurance Market (2006): Leading States in the US by Direct Premiums in US$ Million (includes corresponding Graph/Chart) US-88 Table 70: Leading Players in US Homeowners Insurance Industry (2005): Percentage Breakdown of Direct Premiums Written by Company - Allstate Indemnity, Allstate Insurance, American Family Mutual, Fire Insurance Exchange Liberty Mutual, Nationwide Mutual, State Farm Fire & Casualty, State Farm Lloyds, State Farm General Insurance, United Services, and Others (includes corresponding Graph/Chart) US-88 Table 71: Leading Players in US Homeowners Multiple Peril Insurance Industry (2005): Percentage Breakdown of Direct Premiums Written by Company - Allstate Insurance, Amer Family Insurance, Chubb Group, Farmers Ins. Group, Hartford Insurance, Liberty Mutual, Nationwide Group, State Farm Group, St. Paul Travelers Group, USAA Group, and Others (includes corresponding Graph/Chart) US-89 Table 72: US Expenditure on Homeowners' Insurance:

10 (In US$ Million) (includes corresponding Graph/Chart) US-89 Table 73: US Homeowner/Renter Insurance Market ( ): Average Premiums Written (in US$) for Homeowners, and Renters (includes corresponding Graph/Chart) US-89 Table 74: Homeowners Losses 2000 through 2004 (includes corresponding Graph/Chart) US-90 Table 75: Leading Players in US Homeowners Insurance Market (2003): Percentage Share Breakdown by Direct Premiums Written (In US$ Billion) for State Farm Group, Allstate Ins Group, Zurich/Farmers Group, Nationwide Group, USAA Group, Travelers P C Group, Liberty Mutual Ins Cos, G of Ins Cos, Amer Family Ins Group Safeco Ins Cos and Others (includes corresponding Graph/Chart) US-90 Table 76: Leading Players in the US Homeowners Multiple Peril Insurance Market ( ): Percentage Share Breakdown by Direct Premiums Written (In US$ million) for State Farm Group, Allstate Ins Group, Zurich/Farmers Group, Nationwide Group, USAA Group, Travelers P C Group, Chubb Group of Ins Cos, Amer Family Ins Group, Liberty Mutual Ins Cos, Safeco Ins Cos and Others (includes corresponding Graph/Chart) US-91 Table 77: US Homeowners Multiple Peril Insurance Market: Number of Companies Writing Policies by Each State Direct Premiums Written in Dollars by Each State and Percentage Share of Each State in the Total Direct Premiums Written for 2001 and 2002 US-92 Deductibles in Homeowners Insurance US-93 Renters Insurance in Brief US-94 Coverage Types US-95 Actual Cash Value US-95 Replacement Cost US-95 Liability Coverage US-95 Additional Living Expenses US-95 Costs US-95 Other Home Insurance Coverages US-95 Guaranteed Replacement Cost Coverage US-95 Inflation Guard Endorsement US-96 Scheduled Personal Property Endorsement US-96 Increased Limits on Money and Securities US-96 Secondary Residence Premises Endorsement US-96 Watercraft Endorsement US-96 Theft Coverage Protection Endorsement US-96 Credit Card Forgery and Depositors Forgery Coverage Endorsement US-96 Earthquake Insurance US-97 California - The Most Active Seismic Zone US-97 Table 78: Top Ten Earthquakes in the US: Ranked by Property Damage in US$ Million US-98 Table 79: Market Shares of Leading Earthquake Writers in US for 2000 (In %) (includes corresponding Graph/Chart) US-98 Windstorm Coverage US-98 Homeowners Insurance Market in Hawaii US-98 Table 80: Leading Players in Fire and Homeowners Multiple Peril Insurance Market in Hawaii: 2000 (In US$ million) (includes corresponding Graph/Chart) US-99 Key Trends and Issues in Homeowners' Insurance Sector US-99 Underinsured Homeowners US-99 Marital Status - An Issue US-100

11 Challenges Facing Homeowners Insurers US-100 Toxic Mold Damage Claims US-100 Law Practitioners Cash in on Mold Claims US-101 Lapses Lead to Losses US-101 Crisis Creates Claim-Premium Imbalance US-101 Insurers Taking No Chances US-101 Rates on the Uptrend for Homeowners Insurance US-102 Factors Contributing to Increased Rates for Homeowners' Plans US-102 5d. Flood Insurance US-103 Risks in Coastal Insurance Markets US-103 Table 81: US Insurance Industry (2006 H1): Insured Coastal Property Values in US$ Billion for Select States -Connecticut, Florida, Louisiana, Maine, Massachusetts, New Jersey, New York, South Carolina, Virginia, and Texas (includes corresponding Graph/Chart) US-104 National Flood Insurance Program US-104 NFIP in the Turmoil US-104 Write-Your-Own Program US-105 Allison Does the Turnaround US-105 Reinsurers Bear the Brunt US-105 Increased Flood Threat Props Up Demand for Insurance US-105 5e. Fire & Allied Insurance US-106 Table 82: US Fire & Allied Insurance Market: Insured Losses due to Catastrophic Wildland Fires, US-106 Table 83: US Fire/Casualty Insurance Market (2004 & 2005): Percentage Market Share of Leading Companies (includes corresponding Graph/Chart) US-106 Table 84: Leading Players in the US Fire& Casualty Market by Net Premiums Written: 2003 (includes corresponding Graph/Chart) US-107 Table 85: US Fire & Allied Insurance Market: Total Number of Companies Writing Policies by Each State, Total Direct Premiums in Dollars, and Percentage Share of Each State in the Total Direct Premiums Written for 2001 and 2002 US-108 Table 86: Leading Players in US Fire and Allied Insurance Market (2002): Direct Premiums Written in Dollars for Zurich/Farmers Group, FM Global Group, Amer Intl Group, Allianz of America, Ace INA Group, Travelers PC Group, Royal & SunAlliance, Acceptance Ins Cos, St Paul Cos, and Hartford Ins Group (includes corresponding Graph/Chart) US-110 Table 87: Leading Players in US Fire and Allied Insurance Market ( ): Percentage Share Breakdown by Value of Direct Premiums Written for Zurich/Farmers Group, FM Global Group, Amer Intl Group, Allianz of America, Ace INA Group, Travelers PC Group, Royal & SunAlliance, Acceptance Ins Cos, St Paul Cos, Hartford Ins Group, and Others (includes corresponding Graph/Chart) US-111 An Overview of Arson US-111 Major Causes for Arson US-112 Table 88: Intentionally Set Fires ( ): Number of Fires and Property Loss (In $ million) for Structures and Vehicles US-112 Insurance Industry Fights Fire with Fire US-113 5f. Catastrophe Insurance US-114 Hurricanes in 2007 to Influence Insurance Market in 2008 US-114 Table 89: US P&C Insurance Market (2005 & 2006): Insured

12 Catastrophe Losses in US$ Billion US-114 The US Insurance Industry Achieves Best Underwriting Performance in 2006 US-115 Florida Reforms Hurricane Catastrophe Fund Norms US-115 Hurricane Havoc US-115 After the Storm US-116 Hurricane Losses Expand Coverage for Homeowners Insurance US-116 A Figurative' Note on Catastrophic Losses US-116 Comparison of Hurricane Katrina & Hurricane Andrew US-116 Catastrophe Reinsurance in 2004 US-117 Table 90: US Catastrophe Reinsurance Market (2004): Total Losses from Hurricanes in US$ Million for Charley, Ivan, Frances, and Jeanne (includes corresponding Graph/Chart) US-117 Table 91: Catastrophes in the US ( ): Number of Disasters, Claims and Insured Loss US-117 Table 92: U.S. Catastrophe Losses During : Breakdown for Causes of Loss (includes corresponding Graph/Chart) US-118 Table 93: Major Hurricanes in the US during US-118 Table 94: US Hurricanes and Associated Deaths During US-119 Earthquake Insurance US-119 Flood Insurance US-119 US Commercial Multi-Peril Insurance US-120 Market Overview and Key Statistics US-120 Market Scenario - Commercial Insurance US-120 Table 95: US Commercial Lines Insurance Market (2006): Direct Premiums Written by Leading Companies in US$ Billion (includes corresponding Graph/Chart) US-120 Table 96: Leading Players in the US Commercial Lines Insurance Brokerage Market (2006): Brokerage Revenues by Company - Marsh & McLennan Cos. Inc., Aon Corp., Arthur J. Gallagher & Co., Willis Group Holdings Ltd., and Wells Fargo Insurance Services Inc. in US$ Billion (includes corresponding Graph/Chart) US-121 Table 97: Leading Players in the US Commercial Multiple Peril Insurance Industry (2004 & 2005): Percentage Market Share of Direct Premiums Written for Allianz of America, Chubb Group, CNA Insurance, Farmers Insurance Group, Liberty Mutual, Hartford Insurance, Nationwide Group, State Farm Group, St. Paul Travelers Group, Zurich, and Others (includes corresponding Graph/Chart) US-121 Table 98: Leading Commercial Multiple Peril Companies by Direct Premiums Written: 2001 (In US$ Billion) (includes corresponding Graph/Chart) US-122 Table 99: Leading Players in the US Commercial Multiperil Insurance Market (In US$ Million): Ranked by Direct Premiums Written (includes corresponding Graph/Chart) US-122 5g. Workers Compensation US-123 Soaring Health Care Costs Prop Rate Changes in WC Insurance Levels US-123 Market Overview and Key Statistics US-123 Table 100: US Recent Past, Current & Future Analysis for Workers Compensation Insurance Market with Premiums in US$

13 Billion for the Years 2006 through 2010 (includes corresponding Graph/Chart) US-123 Table 101: Workers' Compensation Insurance Trends in the US: (includes corresponding Graph/Chart) US-124 Market Under Consolidation US-124 Table 102: Leading Players in the US Workers' Compensation Market (2004 & 2005): Percentage Share of Direct Premiums Written for American Intl Group, Ace INA Group, CNA Insurance, Hartford Insurance, Liberty Mutual, State Comp Ins Fund, State Ins Fund of NY, St. Paul Travelers Group, Zenith Natl Ins Group, Zurich, and Others (includes corresponding Graph/Chart) US-125 Table 103: Leading Players in the US Workers Compensation Casualty Market by Net Premiums written: 2003 (includes corresponding Graph/Chart) US-126 Table 104: Leading Workers' Compensation Players in the US by Direct Premiums Written: 2001 (In US$ Billion) (includes corresponding Graph/Chart) US-126 Voluntary Benefits Market US-127 The Social Contract Relates to Workers Compensation US-127 Costs to Employers US-128 Claim Costs US-128 Reducing Costs US-128 Residual Markets US-129 Terrorism Coverage US-129 Terrorism Insurance Market US-129 Reforms US-130 Characteristics of the US Workers' Compensation Market US-130 Basic Facts about Workers' Compensation US-131 Factors Determining Premium Growth in Workers' Compensation: US-132 Pricing Mechanism Followed in Various States US-132 SeaBright Insurance Holdings Joins NASDAQ's Global Select Market US-133 Workers Compensation Fraud US-133 Californian Market for Workers' Compensation Insurance US-133 A Problem-Ridden Market US-133 Local Companies Fare Poorly US-133 The Search is on for Solution US-134 A Year of Debacle US-134 Decline in Workplace Deaths and Injuries US-134 Table 105: Number and Causes for Workplace Casualties in the US: 2002 & 2003 (includes corresponding Graph/Chart) US-135 Alternative Risk Markets in Workers' Compensation US-135 Group Self-Insurance US-135 Individual Self-Insurance US-135 Large Deductible Programs US-136 Retrospectively Rated Policies US Hour Coverage Under Workers' Compensation US-136 Legal Barriers to 24-hour Coverage US-137 Institutional Barriers to 24-Hour Coverage US-137 Regulatory Barriers to 24-Hour Coverage US-138 Worker's Compensation After September 11 US-138 Outlook US-139 5h. Medical Malpractice US-140 Market Overview and Key Statistics US-140 MMI Premiums to Achieve Significant Growth US-140 Cost of Claims on MMI to Increase US-140 Emergence of Positive Insurers' Scenario US-141 The Rise of Risk Retention Groups (RRGs) US-141 Importance of Safest Hospital Alliance Initiative US-141

14 Government Legislation US-141 Table 106: US Medical Malpractice Insurance Market (2005): Percentage Market Share of Direct Premiums Written for Leading Companies - American Intl Group, Inc, Berkshire Hathaway, CNA Insurance Co, Doctors Co Ins Group, Health Care Indemnity Inc, ISMIE Mutual, ProAssurance, Mag Mutual, ProMutual, MLMIC Group and Others (includes corresponding Graph/Chart) US-142 Table 107: US Medical Malpractice Insurance Market (2004): Percentage Market Share of Leading Companies (includes corresponding Graph/Chart) US-142 Table 108: Leading Players in the US Medical Malpractice Market by Net written Premiums: 2003 (includes corresponding Graph/Chart) US-143 Malpractice Claims Growing Considerably US-143 Initiatives Taken by Medical Board for Reduction in Medical Malpractice Situation US-144 Tort Reforms US-144 Healthcare Professional Liability Insurance US-145 Challenges Faced US-145 Increase in Malpractice Claims in the US - Historic Review US-146 Turbulence Continues - Key Trends in the Sector US-146 Changing Customer Markets Takes its Toll US-147 Shift to Managed Care System Compounds the Problem US-147 Impact of Increasing Claims by State US-147 Some States Beat the Trend US-147 Developments in Key US States US-148 Medical Malpractice Reinsurance US-150 Table 109: Leading Writers in US Medical Malpractice Reinsurance Market by Reinsurance Assumed: 2001 (In US$ Million) (includes corresponding Graph/Chart) US-151 Internet and its Impact US-151 Outlook US-151 Underwriting Discipline a Must US-152 Consolidation - A Good Solution US-152 Regulations Bring in Certainty US-152 Consumers - The Ultimate Losers US-152 5i. Title Insurance US-153 The Basics US-153 Market Overview US-153 Table 110: US Recent Past, Current & Future Analysis for Title Insurance Market: Premiums in US$ Billion for the Years 2006 through 2010 (includes corresponding Graph/Chart) US-153 Key Trends US-154 Statutory Reserves Adds to Uniqueness US-154 Consolidation Springs New Changes US-154 M&As in Title Insurance Shrinks Competition US-154 Table 111: US Title Insurance Industry (2005): Percentage Share of Premiums by Company - Fidelity National Financial, First American Title, Land America, Old Republic, Stewart Title, and Others (includes corresponding Graph/Chart) US-155 Table 112: US Title Insurance Industry (2004): Percentage Share of Direct Premiums Written by Company -Attorneys Title Inc., Fidelity National Financial, First American Title, Land America, Old Republic, Stewart Title, and Others (includes corresponding Graph/Chart) US-155 5j. Specialty Liability US-156 An Introduction US-156

15 Table 113: Segments of Specialty Line Business (In %)in the US: 2000 (includes corresponding Graph/Chart) US-156 Transaction Liability US-156 Management Liability Insurance US-157 Employment Practices Liability US-157 Employment Practices Liability Insurance (EPLI): Moderation Improves Investor Sentiment US-157 Employment-Related Claims - Getting on the Nerves of Insurers US-157 Continued Declines in Prices US-158 Directors and Officers Liability US-158 A Disciplined March US-158 A Review of Recent Performances US-159 Table 114: Market Shares of Leading D&O Insurers in the US: 2003 (includes corresponding Graph/Chart) US-159 Table 115: US D&O Claims by Type of Claimant (In %) (includes corresponding Graph/Chart) US-159 Professional Liability and Errors & Omissions US-160 Coverage Restrictions US-160 Fidelity Insurance US-160 Premiums US-160 Market Trends US-161 Table 116: Market Shares of Leading Fidelity Writers in the US (2004) (includes corresponding Graph/Chart) US-161 Underwriting Trends US-161 Capacity US-162 Fiduciary Liability US-162 Gunmakers Liability US-162 5k. Municipal Bond Insurance Market US-163 Table 117: Municipal Bond Exposure in the US Industry (In US$ Billion) US-163 Tax Exempt Debt Insurance Rides High US-163 5l. Mortgage Insurance US-164 Table 118: US Recent Past, Current & Future Analysis for Mortgage Insurance Market with Net Premiums Written in US$ Million for the Years 2006 through 2010 (includes corresponding Graph/Chart) US-164 Market Overview US-164 The Basics US-164 Payment Plans US-165 Policy Renewal/ Cancellation US-165 PMIs Competition with Service US-166 Elements of Underwriting Risk when Reviewing a Loan US-166 The Rise of Mortgage Insurance US-167 Factors Strengthening the PMI Business US-167 Self-Insurers in the PMI Market US-168 Long-Term Risks US-168 Factors Affecting Default Losses US-168 5m. Venture Capital Insurance US-169 Table 119: US Venture Capital Insurance Industry Performance Indicators: 2000 Vs 1999 (VC Raised in US$ Billion) US-169 Growth of VC and VC-Insurance Go Hand in Hand US-169 Risk Stands Redefined for Technology Ventures US-169 VC Insurance Goes Global US-170 5n. Travel Insurance US-171 Travel Insurance Catches the Fancy of Americans US-171 Table 120: US Recent Past, Current & Future Analysis for Travel Insurance Market: Premiums in US$ Million for the Years 2006 through 2010 (includes corresponding Graph/Chart) US-171 Types of Travel Insurance US-171

16 International Health Insurance US-173 Individual Health Insurance Plans Based in the US US-173 Trip Insurance/Short-term Travel Insurance US-173 Long-Term International Health Insurance (Only Overseas Coverage) US-173 Long-Term International Health Insurance (Includes Home Country Coverage) US-174 5o. Insuring The Motion Picture Industry US-175 Completion Bonding - Entrenched US-175 5p. Environmental Insurance US-177 Pricing & Capacity US-177 Mold Coverage US-178 Remediation Stop Loss Coverage US-178 The Polluter Pays Principle US-178 Asbestos Liabilities US-178 Table 121: Asbestos Related Losses: (In US$ Billion) (includes corresponding Graph/Chart) US-179 Effect of Escalating Asbestos Claims on the US Economy US-180 Developments US-180 Building on Brownfields US-180 Pollution Legal Liability (PLL) US-181 Colleges and Universities US-181 Contractors Pollution Liability US-181 Consultants Professional Liability US-181 Combined Coverage US-181 5q. Credit Insurance - Untapped Potential US-183 Demand On Rise US-183 Surety Market US-184 Table 122: Market Share of Leading Surety Underwriters in the US for 2003 (includes corresponding Graph/Chart) US-184 Collateral and Surety Bonds US-184 Risk Factors and Insurance Products US-184 5r. Aviation Insurance US-185 Challenging Times: The Tough Get Going US-185 Corporate Aviation- Soft Market US-185 Impact of Hurricane Season US : Market Review US-185 Market Scenario US-186 Market Trends in 2004 US-186 Airbus A380 Aircraft Poses New Challenges US-186 Table 123: Leading Players in the US Aircraft All Peril Insurance Market (In US$ Million) (includes corresponding Graph/Chart) US-187 5s. Marine Insurance US-188 Protection & Indemnity (P&I) US-188 Blue Water Hull US-188 Brown Water Hull and P&I Market US-189 Marine Liability & Vessel Pollution Liability US-189 Cargo US-189 Challenges Facing Marine Insurance US-189 Inland Marine Insurance US-190 Table 124: Leading Players in US Inland Marine Insurance Industry (2004 & 2005): Percentage Market Share by Company - American Home Assurance, Continental Casualty, Assurance Company of America, Factory Mutual, Firemans Fund Insurance, Hartford Fire Insurance, National Union Fire Insurance, State Farm Fire and Casualty, Travelers Property Casualty, Voyager Property & Casualty Insurance, and Others (includes

17 corresponding Graph/Chart) US-190 Table 125: Leading Players in US Inland Marine Insurance Market (2002): Dollars of Direct Premiums Written for Amer Intl Group, Zurich/Farmers Group, CNA Ins Cos, FM Global Group, State Farm Group, Hartford Ins Group, Allianz of America, Assurant Group, Chubb Group of Ins Cos and Travelers PC Group (includes corresponding Graph/Chart) US-191 Table 126: Leading Players in US Inland Marine Insurance Market ( ): Percentage Share Breakdown by Value of Direct Premiums Written for Amer Intl Group, Zurich/ Farmers Group, CNA Ins Cos, FM Global Group, State Farm Group, Hartford Ins Group, Allianz of America., Assurant Group, Chubb Group of Ins Cos, Travelers PC Group and others (includes corresponding Graph/Chart) US-192 Ocean Marine Insurance US-193 Table 127: Leading Players in US Ocean Marine Insurance Market (2004 & 2005): Percentage Market Share by Company - American Home Assurance, American Steamship Owners, Continental Insurance, Federal Insurance Co., Firemans Fund Insurance, Indemnity Ins Co. of North America, Navigators Insurance Co., Northern Assurance Co. of America, St Paul Fire & Marine Insurance, XL Specialty Ins Co., and Others (includes corresponding Graph/Chart) US-193 Table 128: Leading Players in US Ocean Marine Insurance Market (2002): Dollars of Direct Premiums Written for CNA Insurance Group, American International Group, Ace INA Ltd, Allianz Insurance Group, White Mountains Group, St Paul Groups, Zurich/Farmers Group, XL America Group, Chubb Group of Ins Cos, and Royal & SunAlliance (includes chart/chart) US-194 Table 129: Leading Players in US Ocean Marine Insurance Market ( ): Percentage Share Breakdown by Value of Direct Premiums Written for CNA Insurance Group, American International Group, Ace INA Ltd, Allianz Insurance Group, White Mountains Group, St Paul Groups, Zurich/Farmers Group, XL America Group, Chubb Group of Ins Cos, and Royal & SunAlliance (includes corresponding Graph/Chart) US-195 5t. Onshore Energy Property Insurance US-196 Energy Industry & Casualty US-196 5u. Political Risk Insurance US-197 Pricing US-197 5v. E-Insurance US-198 Table 130: US Market for Network Security Insurance: (In US$ Million) (includes corresponding Graph/Chart) US-198 Hacker Insurance US-198 Venture Capital Funds Raise US $1 Billion for E-Insurance US-198 5w. Commercial Small Business Insurance US-199 A Stagnant Market with Vast Potential US-199 Rampant Underinsurance US-199 5x. Space Insurance US-201 Trouble Brewing in the US Space Insurance Industry US-201 Space Tourism to Propel the Future US-201 Regulatory Issues US-201 5y. Golf Insurance US-203

18 Golf Clubs and the Rising Insurance Rates US-203 Table 131: US Golf Insurance Market - Premium Earned & Claims: (includes corresponding Graph/Chart) US-203 Policies and Covers US-203 5z. Pet Insurance US-206 An Overview of the US Pet Insurance Market US-206 Expenditure on Pets Surges Ahead Among Americans US-206 US Pet Insurance Market Set to Strengthen Further US-206 Table 132: US Recent Past, Current & Future Analysis for Pet Insurance Market: Premiums in US$ Million for the Years 2006 through 2010 (includes corresponding Graph/Chart) US-207 Pet Insurance in the US - A Past Review US-207 Petco. US-207 Veterinary Pet Insurance US-208 PetPartners US-208 5aa. Kidnap/Ransom & Extortion (KRE) Insurance US Life Insurance US-210 Market Overview US-210 Industry to Keep Afloat US-210 A Surging Life Insurance Market US-210 Key Snapshots US-210 Table 133: US Life/Health Insurance Market (2006 & 2007): Percentage Breakdown of Direct Premiums by Category for Annuities, Life Insurance, and Accident & Health Insurance (includes corresponding Graph/Chart) US-211 Table 134: US Life/Health Insurance Market (2005 & 2006): Financial Asset Distribution of Insurers in US$ Billion by Category - Credit Market Instruments (Corporate and Foreign Bonds, U.S. Government Securities, Mortgages and Other Instruments), Corporate Equities, Money Market Fund Shares and Miscellaneous (includes corresponding Graph/Chart) US-211 Table 135: US Life/Health Insurance Market (2005 & 2006): Percentage Breakdown of Financial Asset Distribution of Insurers (includes corresponding Graph/Chart) US-212 Table 136: US Life/Health Insurance Industry (2006 & 2007): Percentage Breakdown of Investments by Category - Bonds, Mortgage Loans on Real Estate, Stocks, Contract Loans, Cash, Cash Equivalent and Short-Term Investments, Real Estate and Other Investments (includes corresponding Graph/Chart) US-212 Table 137: US Recent Past, Current & Future Analysis for Individual Annuity Industry by Segment - Fixed and Variable Annuity Markets Independently Analyzed with Premiums in US$ Billion for the Years 2006 through 2010 (includes corresponding Graph/Chart) US-213 Life Insurance to Grow US-213 Life Insurance Industry Set to Capture Retirement Business US-213 Reinsurance: The Life' of Life' US-213 Table 138: Leading Players in the US Life/Health Insurance Market (2006): Market Revenues in US$ Billion by Company for MetLife, Prudential Financial, New York Life Insurance, TIAA-CREF, Massachusetts Mutual Life Insurance, Northwestern Mutual, AFLAC, Genworth Financial, Unum Group and Principal Financial (includes corresponding Graph/Chart) US-214 Table 139: US Individual Term Life Insurance Market (2006): Leading Players by Number of Policies Issued (In Thousands) -

19 State Farm, American International, Citigroup, Direct General Group, Liberty National, Genworth Financial Group, American Family Corp., Protective Life Insurance, Old Mutual, and Northwestern Mutual (includes corresponding Graph/Chart) US-214 Table 140: US Individual Whole Life And Endowment Insurance Market (2006): Leading Players by Number of Policies Issued (In Thousands) - Liberty National, Gerber Life Insurance Company, American International, State Farm, UnumProvident Life, AEGON USA Incorporated, Mutual of Omaha, Metropolitan Group, New York Life, Unitrin Group, American Family Corp., Northwestern Mutual, Allstate Insurance, Conseco, and Zurich Insurance Group (includes corresponding Graph/Chart) US-215 Table 141: US Life Insurance Industry (2004): Gross Premium Written (GPW) in US$ Billion by Leading Reinsurance Companies for General Re, Swiss Re USA, XL Reinsurance America, American Re, Everest Reins. Company, Transatlantic Re, Employers Re, Odyssey Re America, Berkley Insurance Co., Folksamerica and Others (includes corresponding Graph/Chart) US-216 Group Life Insurance Market: Gearing Up' Risk Profiles US-216 Table 142: US Group Life Insurance Industry (2005 & 2006): Premiums in US$ Million for Select Companies - AIG, Hartford Life, Met Life, Prudential, Sun Life Financial, and Unum Provident (includes corresponding Graph/Chart) US-217 Table 143: US Group Life Insurance Industry (2005): In Force Premiums in US$ Billion for Select Companies - Aetna Inc, AIG Life, Cigna, Hartford, Health Care Service, ING USA, Jefferson-Pilot, Metropolitan Life & Affiliated, NY Life, Prudential of America, Reliance Standard, Securian Finl Group, Standard Ins, Sun Life, and UnumProvident (includes corresponding Graph/Chart) US-218 Table 144: US Individual Life Insurance Industry (2005 & 2006): Premiums in US$ Million for Select Companies - AIG, Ameriprise Financial, Genworth Financial, Hartford Life, Lincoln National, Met Life, Manulife, Nationwide Financial, Prudential, and Sun Life (includes corresponding Graph/Chart) US-219 Table 145: Leading Players in US Individual Life Insurance Industry (2006): Percentage Market Share by Company - AIG, Ameriprise Financial, Genworth Financial, Hartford Life, Lincoln National, Manulife, Met Life, Nationwide Financial, Principal Financial Group, Protective Life, Prudential, Sun Life, and Others (includes corresponding Graph/Chart) US-219 Table 146: US Individual Life Insurance Industry (2006): Percentage Breakdown of Sales by Distribution Channel - Stockbrokers and Financial Institutions, Personal-Producing General Agents & Brokers, Direct Response, and Affiliated (includes corresponding Graph/Chart) US-220 Life/Health Insurance Companies in Transition Mode US-220 Retirement Market Opens New Opportunities US-220 Tapping the Market with New Products US-221 Whole Life Or Term? - The Question of Insuring Life US-222 Table 147: US Life Insurance Industry (2003 & 2004): Percentage Value Breakdown of Life Insurance Product Sales by Universal Life, Whole Life, Variable Universal Life, Level Premium Term, Variable Life, Annual Renewable Term and Other Term (includes corresponding Graph/Chart) US-222 Table 148: US Life/Health Insurance Market by Type for

20 2003: Net premiums Written (In US$ billion) for Life, Annuity, Accident & Health, Contract Funds (Deposit-Type), and Others (includes corresponding Graph/Chart) US-223 Table 149: Premiums for US Life/Health Insurance Market by Product Line for 1998 and 2002 (in US$ Billion) (includes corresponding Graph/Chart) US-223 Table 150: US Worksite Life Insurance Market in 2003 (*): Sales ($ Million) of Worksite Life Insurance for Life Disability, Accident, Critical Illness, Dental, Long-term Care, Hospital Indemnity, and Others (includes corresponding Graph/Chart) US-224 Favorable Life Products in the US US-224 Life Cycle of Life Insurance Products US-225 6a. Leading Players - Key Statistics US-227 Life Insurance Market US-227 Table 151: Leading Players in the US Term Life (In -Force) Market (2005): Premium Value in US$ Billion for Aegon USA Inc, Lincoln Natl Corp, ING USA Life Group, Metropolitan Life & Affiliated Cos, and Swiss Reins Group (includes corresponding Graph/Chart) US-227 Table 152: Leading Players in the US Term Life Market (2005): Value in US$ Billion by Term Life Issued by Company - AIG Life Group, Genworth Finl Group, Northwestern Mutual Group, Primerica Group, and State Farm Life Group (includes corresponding Graph/Chart) US-227 Table 153: US Life Insurance Market (2005): Premium in US$ Billion for American Life, AKA Equitable Life, Allianz Life, American Family Life, Lincoln National Life, Massachusetts Mutual Life, Metropolitan Life, Northwestern Mutual Life, Prudential Insurance Co, and United Healthcare Insurance (includes corresponding Graph/Chart) US-228 Table 154: US Life Insurance Industry (2003): Gross Written Premium in US$ Billion by Leading Companies for Metropolitan Life & Affiliated, AIG, Hartford Life, ING, Prudential of America, AEGON, Equitable, New York Life, MassMutual Financial, and Manulife Financial (includes corresponding Graph/Chart) US-229 Table 155: US Life Insurance Industry (2003 & 2004): Percentage Value Breakdown of Retail Life Insurance Sales by Leading Companies for New York Life, Northwestern Mutual, AIG-American General, John Hancock/ManuLife Financial, ING Life Companies - U.S., Aegon USA, Pacific Life, MetLife Companies, State Farm Life, AXA Financial/MONY and Others (includes corresponding Graph/Chart) US-230 Table 156: US Life/Health Insurance Industry (2004): Leading Companies by Revenues in US$ Billion for MetLife, Prudential Financial, New York Life Insurance, TIAA-CREF, Mass. Mutual Life Ins., Northwestern Mutual, AFLAC, Unum Provident, Guardian Life of America, and Principal Financial (includes corresponding Graph/Chart) US-231 Table 157: US Life/Health Insurance Industry (2004): Leading Companies by Assets in US$ Billion for Prudential Financial, MetLife, TIAA-CREF, New York Life Insurance, Mass. Mutual Life Ins., Northwestern Mutual, Lincoln National, Principal

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