Family 3 Www et Mortagesmortgagebank m Tag e Family Www 1:searchT Tag eAsearcht Tag r Tag h Family csearchs

• 9/11 - The Costliest Insured Disaster
• Estimated Insurance Payments Related to Sept. 11 2001, by Sector (In US$)
• Table 10: September 11: Estimates of Losses for US Insurance Industry (In US$ Billion) (includes corresponding Graph/Chart)
• The Ripples from WTC Disaster
• Skyrocketing Insurance Rates...
• The Other Cause...
• Corporate America Shuns Traditional Insurance...
• All Eyes Turn Towards Catastrophe Modeling
• The Recessionary Climate
• Sustained Underpricing
• Medical Inflation
• Corporate Failures
• Abuse of the Legal System

4. Competitive Landscape

• Functioning of Insurance Companies
• Comparative Study of the US vis-a-vis Europe
• 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)
• 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)
• 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)
• Table 14: No. of Insurance Companies in the US by State and Category: 2002-2003
• Need to Overcome the Hurdles ...
• Life Insurance
• 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)
• Non-Life Insurance
• 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)

5. Review of Major Non-Life Insurance Segments

5a. Property/Casualty Insurance

• Outlook for Property/Casualty Insurance Industry
• Katrina Spells Doom for the Sector
• 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)
• 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)
• P&C Industry Posts Profits - A Year 2005 Perspective
• P&C Sector Concentrates on Diversified Sales channels
• Property and Casualty Premium Rates at Crossroads
• Table 19: US Property Insurance Market: Leading Disasters By Industry Losses in US$ Billion (includes corresponding Graph/Chart)
• Market Heads Towards Recovery
• Pricing
• Deductibles
• Terrorism
• Insurers Increasingly Rely on Segmentation to Cut Pricing Risks...
• Industry Hit Hard by Global Climatic Changes...
• Table 20: Natural Catastrophes in the US (2005): Actual Loss in US$ Billion for Hurricane Dennis, Hurricane Rita, Hurricane Wilma, and Hurricane Katrina
• Table 21: Top Natural Catastrophes in the US - 2003 & 2004
• A Perspective of P&C Losses
• Table 22: US Property-Casualty Insurance Losses from Catastrophic Events for 1991 to 2004 (Losses in US$ billion) (includes corresponding Graph/Chart)
• Casualty Insurance
• Table 23: Leading Players in the US Group Casualty Market: 2003(includes corresponding Graph/Chart)
• Table 24: US Other Accident & Health Casualty Insurance Market (2003): Percentage Market Share of Leading Companies (includes corresponding Graph/Chart)
• Table 25: US Private Passenger Casualty Insurance Market (2003): Percentage Market Share of Leading Companies (includes corresponding Graph/Chart)
• Table 26: US Commercial Casualty Insurance Market (2003): Percentage Market Share of Leading Companies (includes corresponding Graph/Chart)
• Table 27: US Other Liability/Casualty Insurance Market (2003): Percentage Market Share of Leading Companies (includes corresponding Graph/Chart)
• General Liability Cover - A Must Have for Businesses
• Workers' Compensation
• Umbrella and Excess Liability
• Coverage and Restrictions
• Casualty Alternative Risk Transfer & Integrated Risk
• Blended and Finite Risk
• Swing Plans & Captives
• Key Statistics
• Table 28: US Property/Casualty Insurance Market: Percentage Share Breakdown by Dollars of Direct Premiums Written by Segment for 2003 (includes corresponding Graph/Chart)
• Table 29: US Inland Casualty Insurance Market (2004 & 2005): Percentage Market Share of Leading Companies (includes corresponding Graph/Chart)
• Table 30: Leading Players in the US Inland Casualty Market: 2003 (includes corresponding Graph/Chart)
• Insolvency Rates of US P/C Companies On Rise...
• Table 31: Principal Factors Causing Insolvency in the US Property/Casualty Insurance Market (2002) (includes corresponding Graph/Chart)
• Table 32: Insolvency Rates for US P/C Companies by Year (1993-2002) (includes corresponding Graph/Chart)
• Competitive Landscape
• A Fragmented Industry...
• 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)
• Table 34: Leading Property/casualty (P/C) insurance Players By Revenues: 2003 (includes corresponding Graph/Chart)
• Table 35: Leading Property/Casualty Reinsurers by Net Premiums Written in the US: 2003 (In US$ billion) (includes corresponding Graph/Chart)
• P/C - Before and After 9/11
• P/C Before 9/11
• Property/Casualty Industry - After September 11
• Toughening Trends...
• Bleak Picture - Better Prospects...
• Recovery Springs from Within...
• Effective Capital Deployment and Customer Confidence - Key to Recovery...

5b. Automobile Insurance

• Market Overview
• Auto Insurance Premium Slated to Decline
• Table 36: US Auto Insurance Average Expenditure (2000-2004) (In US$ million) (includes corresponding Graph/Chart)
• Table 37: US Insurance Industry (2000-2004): Consumer Price Index for Auto Insurance (includes corresponding Graph/Chart)
• Table 38: Passenger Vehicle Accident Insurance Claims Paid in 2004
• Auto Insurance Prices in Reverse Gear...
• Factors Affecting Rates of Auto Insurance
• Table 39: US Insurance Industry (2005): Average Spending on Auto Insurance (2001-2005) (In US $) (includes corresponding Graph/Chart)
• Table 40: Average Spending on Auto Insurance (1996-2000) (includes corresponding Graph/Chart)
• Liability Insurance Leads to Rise in Motor Insurance Premiums in Mississippi
• Factors Affecting Insurance Premium
• Compulsory Auto Insurance
• No-Fault Auto Insurance
• Developments
• No-Fault Auto Insurance Proven Ineffective
• New York' s No-Fault Auto Insurance Fraud Increasing Considerably
• Low Priced Premiums Introduced
• New York Passes New Law to Reduce Fraud
• New Bill Introduced by the US Government
• Governments Restrict Claims for Uninsured Drivers
• Key Trends and Issues
• US Auto Insurers Gear Up to Tap Generation Y Market
• Competition Heats Up in US Private-Passenger Auto Market...
• US Insurance Industry Announces Top 10 Safe Passenger Cars
• Older Drivers More Prone to Accidents
• Medicines Cause for Risk
• Steps Taken for Reducing Fatal Accidents
• Licensing Standards for the Old
• Tire Insurance Market on the Surge
• Auto Crash - A Growing Concern
• Table 41: US Insurance Industry: Traffic Fatalities (2000-2003) (In ' 000) (includes corresponding Graph/Chart)
• 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)
• Table 43: US Insurance Industry (2000-2003): Percentage Share of Alcohol Related Deaths in the US (includes corresponding Graph/Chart)
• Insurance Companies Encourage Safe Driving to Customers
• Table 44: US Insurance Industry (2004): Seat Belt Laws for Top Twenty States
• Table 45: US Insurance Industry (2000-2004): Traffic Deaths (includes corresponding Graph/Chart)
• Table 46: US Insurance Industry: Accidents by Drivers' Age (2003) (includes corresponding Graph/Chart)
• Measures Taken to Reduce Drunk Driving
• Laws for Repeat Offenders
• Laws on Liability Issues
• New Regulations
• Generic Auto Crash Parts
• Background
• Key Players
• 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 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)
• Table 48: US Passenger Auto Insurance Industry (2006): Percentage Breakdown of Expenses and Claims in Relation to Premiums (includes corresponding Graph/Chart)
• 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)
• 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)
• 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)
• 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)
• 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)