| A Short Insurance Industry Glossary | i |
| 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 | 9 |
| 3) Selling Insurance to Consumers in Discount Stores May Grow | 9 |
| 4) Sophisticated Risk Management and Prevention Programs Lead to Lower Losses | 10 |
| 5) Independent Agencies Continue to Dominate Commercial Insurance, but Play a Lesser Role in Personal Lines | 10 |
| 6) Direct Selling and E-Commerce Grow | 11 |
| 7) Technology Drives Efficiencies in Back Office Tasks, Underwriting, Agency Networks and Customer Service | 12 |
| 8) Homeowners Insurance Passes More Risk to the Policy Holders and Relies on Sophisticated Risk Analysis Tools to Set Rates | 13 |
| 9) Insurance Industry Reform May Be on the Horizon | 14 |
| 10) Insurance Industry Mergers and Acquisitions Continue | 15 |
| 11) No End in Sight to the Growth of Specialized Insurance Lines | 15 |
| 12) Variable Annuity Accounts Top $1.3 Trillion in the U.S., While Costs and Sales Practices are Scrutinized | 15 |
| 13) Major U.S., Japanese and European Insurance Firms See Vast Promise in the Chinese Market | 16 |
| 14) Insurers Target Developing Markets | 17 |
| 15) Continued Rise in Health Care Costs | 17 |
| 16) Employers Push Health Care Costs onto Employees | 18 |
| 17) Adoption of Health Savings Accounts and Health Reimbursement Accounts Begins to Slow | 19 |
| 18) Malpractice Suits Are Blamed for Rising Health Care Costs/Tort Reform Is Capping Awards for Damages | 20 |
| 19) Medicare Changes Include Drug Benefits for Seniors/Medicare Advantage Offers Private Fee for Service Plans | 21 |
| 20) Hedge Funds Enter the Reinsurance Field in a Big Way | 22 |
| Chapter 2: Insurance Industry Statistics | 23 |
| Insurance Industry Overview | 24 |
| Annual Merger & Acquisition Deal Volume, U.S. Insurance Industry: 2001-2007 | 25 |
| Largest U.S. Insurance Industry Merger & Acquisition Deals: 2006 | 26 |
| Top 25 Global Insurance Companies by Revenues: 2006 | 27 |
| Top 10 U.S.-Based Publicly-Traded Insurance Companies by Revenues: 2006 | 28 |
| Top 20 Global Property & Casualty Insurance Companies by Revenues: 2006 | 29 |
| Assets & Liabilities of U.S. Property-Casualty Insurance Companies: 2001-2nd Quarter 2007 | 30 |
| Typical U.S. Automobile Insurance Costs per Year: 2007 | 31 |
| Top 20 Global Life Insurance Companies by Revenues: 2006 | 32 |
| Assets & Liabilities of U.S. Life Insurance Companies: 2001-2nd Quarter 2007 | 33 |
| Top 10 Global Health Insurance Companies by Revenues: 2006 | 34 |
| Employers' Costs for Health Insurance, Amount and Percent of Total Compensation, U.S.: Selected Years 2002-2006 | 35 |
| The Nation's Health Dollar: 2007 (Estimated), Where It Came From | 36 |
| People without Health Insurance for the Entire Year, U.S.: 2004-2006 | 37 |
| Percent of Persons under Age 65 Years without Health Insurance Coverage, by Age Group & Sex: U.S.: 2006 | 38 |
| Medicare Deductible, Co-Payment & Premium Amounts: 2008 | 39 |
| Employment in the Insurance Industry, U.S.: 2000-2006 | 41 |
| Employment & Earnings in Insurance Industry Occupations, U.S.: May 2006 | 42 |
| Chapter 3: Important Insurance Industry Contacts | 43 |
| (Addresses, Phone Numbers and World Wide Web 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 | 66 |
| Alphabetical Index | 75 |
| Index of Headquarters Location by U.S. State | 78 |
| Index of Non-U.S. Headquarters Location by Country | 82 |
| Index by Regions of the U.S. Where the Firms Have Locations | 84 |
| Index by Firms with Operations Outside the U.S. | 94 |
| Individual Data Profiles on Each of THE INSURANCE 300 | 97 |
| Additional Indexes | |
| Index of Hot Spots for Advancement for Women/Minorities | 418 |
| Index by Subsidiaries, Brand Names and Selected Affiliations | 419 |