Jack W. Plunkett is CEO & Publisher of Plunkett Research, Ltd., a Houston-based provider of market research and industry information in printed and electronic formats. Plunkett Research provides analysis, statistics and other vital data on all major industry sectors, from InfoTech to Retailing to Banking and Nanotechnology. Plunkett's client list includes 10,000 leading corporations, universities and government agencies worldwide. Plunkett's research products are distributed electronically through subscriptions to its website and around the globe by major booksellers and news distributors, including Bloomberg and ThomsonReuters.Jack Plunkett is the author of numerous books, including The Next Boom: What you absolutely, positively have to know about the world between now and 2025. This book won a 2011 gold medal in the Business Book Awards competition sponsored by Axiom and INC Magazine. Plunkett is frequently interviewed as an expert source by publications such as Time magazine, The Wall Street Journal, The New York Times and Investor's Business Daily, media outlets such as NPR's Marketplace, ABC, and CBS Marketwatch, as well as local and regional newspapers and national columnists. Plunkett received an Academic Book of the Year Award for his Plunkett’s Health Care Industry Almanac, and he was a regional finalist in the Entrepreneur of the Year Awards sponsored by Ernst & Young.

Extensive research went into compiling the data for this book and CD-ROM. Plunkett's almanacs were designed to be a source for all researchers, especially market research, strategic planning, employment searches, contact or prospect list creation and financial research - This volume is recommended for academic, business and large public libraries.A" American Reference Books Annual

• PLUNKETT'S INSURANCE INDUSTRY ALMANAC 2010 CONTENTS A Short Insurance Industry Glossary xii Introduction 1 How to Use This Book 3 Chapter 1: Major Trends Affecting the Insurance Industry 7 1) Introduction to the Insurance Industry 7 2) Aging Populations Create Challenges and Opportunities for the Insurance Industry 10 3) Selling Insurance to Consumers in Discount Stores May Grow 11 4) Sophisticated Risk Management and Prevention Programs Lead to Lower Losses 11 5) Independent Agencies Continue to Dominate Commercial Insurance, but Play a Lesser Role in Personal Lines 12 6) Insurance Direct Selling and E-Commerce Grow 12 7) Technology Drives Efficiencies in Back Office Tasks, Underwriting, Agency Networks and Customer Service 13 8) Homeowner's Insurance Passes More Risk to the Policy Holders and Relies on Sophisticated Risk Analysis Tools to Set Rates 15 9) Insurance Industry Mergers and Acquisitions Continue 16 10) No End in Sight to the Growth of Specialized Insurance Lines 17 11) Variable Annuity Accounts Decline in Value/New Product Strategies Evolve 18 12) Major U.S., Japanese and European Insurance Firms See Vast Promise in the Chinese and Southeast Asia Market 19 13) Insurers Target Developing Markets 19 14) Continued Rise in Health Care Costs 20 15) Employers Push Health Care Costs onto Employees/On-Site Clinics Begin to Appear 20 16) Malpractice Suits Are Blamed for Rising Health Care Costs/Tort Reform Is Capping Awards for Damages 21 17) Medicare Changes Include Drug Benefits for Seniors/Medicare Advantage Offers Private Fee for Service Plans 23 18) Hedge Funds Enter the Reinsurance Field in a Big Way 24 19) Credit Default Swaps (CDS) and Derivatives Soar into the Trillions of Dollars 24 Chapter 2: Insurance Industry Statistics 26 Insurance Industry Overview 27 Major Insurance-Related Merger & Acquisition Deals, U.S.: 2008 28 Top 25 Global Insurance Companies by Revenues: 2008 29 Top 20 Global Property & Casualty Insurance Companies by Revenues: 2008 30 Assets & Liabilities of U.S. Property-Casualty Insurance Companies: 2003-2nd Quarter 2009 31 Typical U.S. Automobile Insurance Costs, per Year: 2009 32 Top 20 Global Life Insurance Companies by Revenues: 2008 33 Assets & Liabilities of U.S. Life Insurance Companies: 2003-2nd Quarter 2009 34 Top 20 Global Health Insurance Companies by Revenues: 2008 35 Employers' Costs for Health Insurance, Amount & Percent of Total Compensation, U.S. Selected Years 2005-2009 36 The Nation's Health Dollar: 2009, Where It Came From (Estimated) 37 People without Health Insurance for the Entire Year, U.S.: 2007-2008 38 Percent of Persons under Age 65 without Health Insurance Coverage, by Age Group & Sex: U.S.: 2008 39 Percent of Persons under Age 65 with Public Health Plan Coverage & Private Health Insurance Coverage by Age Group, U.S.: 1997-2008 40 Employment in the Insurance Industry, U.S.: 2001-2008 41 Employment & Earnings in Insurance Industry Occupations, U.S.: May 2008 42 Chapter 3: Important Insurance Industry Contacts 43 (Addresses, Phone Numbers and Internet Sites) Chapter 4: THE INSURANCE 300: Who They Are and How They Were Chosen 63 Industry List, With Codes 64 Index of Rankings Within Industry Groups 65 Alphabetical Index 74 Index of Headquarters Location by U.S. State 77 Index of Non-U.S. Headquarters Location by Country 80 Index by Regions of the U.S. Where the Firms Have Locations 82 Index by Firms with International Operations 91 Individual Data Profiles on Each of THE INSURANCE 300 94 Additional Indexes Index of Hot Spots for Advancement for Women/Minorities 424 Index by Subsidiaries, Brand Names and Selected Affiliations 426

Jack W. Plunkett is CEO & Publisher of Plunkett Research, Ltd., a Houston-based provider of market research and industry information in printed and electronic formats. Plunkett Research provides analysis, statistics and other vital data on all major industry sectors, from InfoTech to Retailing to Banking and Nanotechnology. Plunkett's client list includes 10,000 leading corporations, universities and government agencies worldwide. Plunkett's research products are distributed electronically through subscriptions to its website and around the globe by major booksellers and news distributors, including Bloomberg and ThomsonReuters.Jack Plunkett is the author of numerous books, including The Next Boom: What you absolutely, positively have to know about the world between now and 2025. This book won a 2011 gold medal in the Business Book Awards competition sponsored by Axiom and INC Magazine. Plunkett is frequently interviewed as an expert source by publications such as Time magazine, The Wall Street Journal, The New York Times and Investor's Business Daily, media outlets such as NPR's Marketplace, ABC, and CBS Marketwatch, as well as local and regional newspapers and national columnists. Plunkett received an Academic Book of the Year Award for his Plunkett’s Health Care Industry Almanac, and he was a regional finalist in the Entrepreneur of the Year Awards sponsored by Ernst & Young.

Extensive research went into compiling the data for this book and CD-ROM. Plunkett's almanacs were designed to be a source for all researchers, especially market research, strategic planning, employment searches, contact or prospect list creation and financial research - This volume is recommended for academic, business and large public libraries.A" American Reference Books Annual

• PLUNKETT'S INSURANCE INDUSTRY ALMANAC 2010 CONTENTS A Short Insurance Industry Glossary xii Introduction 1 How to Use This Book 3 Chapter 1: Major Trends Affecting the Insurance Industry 7 1) Introduction to the Insurance Industry 7 2) Aging Populations Create Challenges and Opportunities for the Insurance Industry 10 3) Selling Insurance to Consumers in Discount Stores May Grow 11 4) Sophisticated Risk Management and Prevention Programs Lead to Lower Losses 11 5) Independent Agencies Continue to Dominate Commercial Insurance, but Play a Lesser Role in Personal Lines 12 6) Insurance Direct Selling and E-Commerce Grow 12 7) Technology Drives Efficiencies in Back Office Tasks, Underwriting, Agency Networks and Customer Service 13 8) Homeowner's Insurance Passes More Risk to the Policy Holders and Relies on Sophisticated Risk Analysis Tools to Set Rates 15 9) Insurance Industry Mergers and Acquisitions Continue 16 10) No End in Sight to the Growth of Specialized Insurance Lines 17 11) Variable Annuity Accounts Decline in Value/New Product Strategies Evolve 18 12) Major U.S., Japanese and European Insurance Firms See Vast Promise in the Chinese and Southeast Asia Market 19 13) Insurers Target Developing Markets 19 14) Continued Rise in Health Care Costs 20 15) Employers Push Health Care Costs onto Employees/On-Site Clinics Begin to Appear 20 16) Malpractice Suits Are Blamed for Rising Health Care Costs/Tort Reform Is Capping Awards for Damages 21 17) Medicare Changes Include Drug Benefits for Seniors/Medicare Advantage Offers Private Fee for Service Plans 23 18) Hedge Funds Enter the Reinsurance Field in a Big Way 24 19) Credit Default Swaps (CDS) and Derivatives Soar into the Trillions of Dollars 24 Chapter 2: Insurance Industry Statistics 26 Insurance Industry Overview 27 Major Insurance-Related Merger & Acquisition Deals, U.S.: 2008 28 Top 25 Global Insurance Companies by Revenues: 2008 29 Top 20 Global Property & Casualty Insurance Companies by Revenues: 2008 30 Assets & Liabilities of U.S. Property-Casualty Insurance Companies: 2003-2nd Quarter 2009 31 Typical U.S. Automobile Insurance Costs, per Year: 2009 32 Top 20 Global Life Insurance Companies by Revenues: 2008 33 Assets & Liabilities of U.S. Life Insurance Companies: 2003-2nd Quarter 2009 34 Top 20 Global Health Insurance Companies by Revenues: 2008 35 Employers' Costs for Health Insurance, Amount & Percent of Total Compensation, U.S. Selected Years 2005-2009 36 The Nation's Health Dollar: 2009, Where It Came From (Estimated) 37 People without Health Insurance for the Entire Year, U.S.: 2007-2008 38 Percent of Persons under Age 65 without Health Insurance Coverage, by Age Group & Sex: U.S.: 2008 39 Percent of Persons under Age 65 with Public Health Plan Coverage & Private Health Insurance Coverage by Age Group, U.S.: 1997-2008 40 Employment in the Insurance Industry, U.S.: 2001-2008 41 Employment & Earnings in Insurance Industry Occupations, U.S.: May 2008 42 Chapter 3: Important Insurance Industry Contacts 43 (Addresses, Phone Numbers and Internet Sites) Chapter 4: THE INSURANCE 300: Who They Are and How They Were Chosen 63 Industry List, With Codes 64 Index of Rankings Within Industry Groups 65 Alphabetical Index 74 Index of Headquarters Location by U.S. State 77 Index of Non-U.S. Headquarters Location by Country 80 Index by Regions of the U.S. Where the Firms Have Locations 82 Index by Firms with International Operations 91 Individual Data Profiles on Each of THE INSURANCE 300 94 Additional Indexes Index of Hot Spots for Advancement for Women/Minorities 424 Index by Subsidiaries, Brand Names and Selected Affiliations 426

Jack W. Plunkett is CEO & Publisher of Plunkett Research, Ltd., a Houston-based provider of market research and industry information in printed and electronic formats. Plunkett Research provides analysis, statistics and other vital data on all major industry sectors, from InfoTech to Retailing to Banking and Nanotechnology. Plunkett's client list includes 10,000 leading corporations, universities and government agencies worldwide. Plunkett's research products are distributed electronically through subscriptions to its website and around the globe by major booksellers and news distributors, including Bloomberg and ThomsonReuters.Jack Plunkett is the author of numerous books, including The Next Boom: What you absolutely, positively have to know about the world between now and 2025. This book won a 2011 gold medal in the Business Book Awards competition sponsored by Axiom and INC Magazine. Plunkett is frequently interviewed as an expert source by publications such as Time magazine, The Wall Street Journal, The New York Times and Investor's Business Daily, media outlets such as NPR's Marketplace, ABC, and CBS Marketwatch, as well as local and regional newspapers and national columnists. Plunkett received an Academic Book of the Year Award for his Plunkett’s Health Care Industry Almanac, and he was a regional finalist in the Entrepreneur of the Year Awards sponsored by Ernst & Young.

Extensive research went into compiling the data for this book and CD-ROM. Plunkett's almanacs were designed to be a source for all researchers, especially market research, strategic planning, employment searches, contact or prospect list creation and financial research - This volume is recommended for academic, business and large public libraries.A" American Reference Books Annual

• PLUNKETT'S INSURANCE INDUSTRY ALMANAC 2010 CONTENTS A Short Insurance Industry Glossary xii Introduction 1 How to Use This Book 3 Chapter 1: Major Trends Affecting the Insurance Industry 7 1) Introduction to the Insurance Industry 7 2) Aging Populations Create Challenges and Opportunities for the Insurance Industry 10 3) Selling Insurance to Consumers in Discount Stores May Grow 11 4) Sophisticated Risk Management and Prevention Programs Lead to Lower Losses 11 5) Independent Agencies Continue to Dominate Commercial Insurance, but Play a Lesser Role in Personal Lines 12 6) Insurance Direct Selling and E-Commerce Grow 12 7) Technology Drives Efficiencies in Back Office Tasks, Underwriting, Agency Networks and Customer Service 13 8) Homeowner's Insurance Passes More Risk to the Policy Holders and Relies on Sophisticated Risk Analysis Tools to Set Rates 15 9) Insurance Industry Mergers and Acquisitions Continue 16 10) No End in Sight to the Growth of Specialized Insurance Lines 17 11) Variable Annuity Accounts Decline in Value/New Product Strategies Evolve 18 12) Major U.S., Japanese and European Insurance Firms See Vast Promise in the Chinese and Southeast Asia Market 19 13) Insurers Target Developing Markets 19 14) Continued Rise in Health Care Costs 20 15) Employers Push Health Care Costs onto Employees/On-Site Clinics Begin to Appear 20 16) Malpractice Suits Are Blamed for Rising Health Care Costs/Tort Reform Is Capping Awards for Damages 21 17) Medicare Changes Include Drug Benefits for Seniors/Medicare Advantage Offers Private Fee for Service Plans 23 18) Hedge Funds Enter the Reinsurance Field in a Big Way 24 19) Credit Default Swaps (CDS) and Derivatives Soar into the Trillions of Dollars 24 Chapter 2: Insurance Industry Statistics 26 Insurance Industry Overview 27 Major Insurance-Related Merger & Acquisition Deals, U.S.: 2008 28 Top 25 Global Insurance Companies by Revenues: 2008 29 Top 20 Global Property & Casualty Insurance Companies by Revenues: 2008 30 Assets & Liabilities of U.S. Property-Casualty Insurance Companies: 2003-2nd Quarter 2009 31 Typical U.S. Automobile Insurance Costs, per Year: 2009 32 Top 20 Global Life Insurance Companies by Revenues: 2008 33 Assets & Liabilities of U.S. Life Insurance Companies: 2003-2nd Quarter 2009 34 Top 20 Global Health Insurance Companies by Revenues: 2008 35 Employers' Costs for Health Insurance, Amount & Percent of Total Compensation, U.S. Selected Years 2005-2009 36 The Nation's Health Dollar: 2009, Where It Came From (Estimated) 37 People without Health Insurance for the Entire Year, U.S.: 2007-2008 38 Percent of Persons under Age 65 without Health Insurance Coverage, by Age Group & Sex: U.S.: 2008 39 Percent of Persons under Age 65 with Public Health Plan Coverage & Private Health Insurance Coverage by Age Group, U.S.: 1997-2008 40 Employment in the Insurance Industry, U.S.: 2001-2008 41 Employment & Earnings in Insurance Industry Occupations, U.S.: May 2008 42 Chapter 3: Important Insurance Industry Contacts 43 (Addresses, Phone Numbers and Internet Sites) Chapter 4: THE INSURANCE 300: Who They Are and How They Were Chosen 63 Industry List, With Codes 64 Index of Rankings Within Industry Groups 65 Alphabetical Index 74 Index of Headquarters Location by U.S. State 77 Index of Non-U.S. Headquarters Location by Country 80 Index by Regions of the U.S. Where the Firms Have Locations 82 Index by Firms with International Operations 91 Individual Data Profiles on Each of THE INSURANCE 300 94 Additional Indexes Index of Hot Spots for Advancement for Women/Minorities 424 Index by Subsidiaries, Brand Names and Selected Affiliations 426