| 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 | 10 |
| 3) Sophisticated Risk Management and Prevention Programs Lead to Lower Losses | 11 |
| 4) Risk Managers Seek Certification | 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) States Pick Up Some Wind and Flood Risk for Homeowners/Underwriters Rely on Sophisticated Risk Analysis Technology to Set Rates | 15 |
| 9) Insurance Industry Mergers and Acquisitions Continue After the Financial Crisis | 17 |
| 10) No End in Sight to the Growth of Specialized Insurance Lines | 17 |
| 11) Annuity Account Managers Create New Product Strategies | 17 |
| 12) Major U.S., Japanese and European Insurance Firms See Vast Promise in the Chinese and Southeast Asian Market | 18 |
| 13) Insurance Firms Target Markets in Emerging Nations | 19 |
| 14) Continued Rise in Health Care Costs | 20 |
| 15) U.S. Health Care Reform Act of 2010 Set to Bring Big Changes | 20 |
| 16) Employers Push Health Care Costs onto Employees/On-Site Clinics Begin to Appear | 22 |
| 17) Malpractice Suits Are Blamed for Rising Health Care Costs/Tort Reform Is Capping Awards for Damages | 23 |
| 18) Hedge Funds Regroup and Play a Major Role in Financial Products of all Types, Including Derivatives, Lending and Insurance | 25 |
| 19) Credit Default Swaps (CDS) and Derivatives Soar into the Trillions of Dollars | 26 |
| 20) Aging Populations, Baby Boomers Create Opportunities/U.S. Pension Accounts Top $18.1 Trillion | 27 |
| 21) 2010 Reform Act Increases Regulation of Financial Industry, including Banks, Investment Companies and Insurance Firms | 29 |
| Chapter 2: Insurance Industry Statistics | 31 |
| Insurance Industry Overview | 32 |
| Top 25 Global Insurance Companies by Revenues: 2010 | 33 |
| Top 20 Global Property & Casualty Insurance Companies by Revenues: 2010 | 34 |
| Assets & Liabilities of U.S. Property-Casualty Insurance Companies: 2006-1st Quarter 2011 | 35 |
| Typical U.S. Automobile Insurance Costs, per Year: 2011 | 36 |
| Top 20 Global Life Insurance Companies by Revenues: 2010 | 37 |
| Assets & Liabilities of U.S. Life Insurance Companies: 2006-1st Quarter 2011 | 38 |
| Employers' Costs for Health Insurance, Amount & Percent of Total Compensation, U.S.: Selected Years, 2006-2010 | 39 |
| The Nation's Health Dollar: 2012 Where It Came From (Estimated) | 40 |
| Number & Percent of Persons of All Ages with and without Health Insurance Coverage, U.S.: 1999-2010 | 41 |
| Number & Percent of Persons of All Ages without Health Insurance Coverage, by Race/Ethnicity, U.S.: 2002-2010 | 42 |
| Number & Percent of Persons without Health Insurance Coverage, by Age Group, U.S.: 1999-2010 | 43 |
| Number & Percent of Persons without Health Insurance Coverage, by Age Group & Sex: U.S.: 2010 | 44 |
| Affordable Care Act Overview | 45 |
| Medical Care Benefits in the U.S.: Access, Participation and Take-Up Rates, March 2011 | 47 |
| Retirement Benefits in the U.S.: Access, Participation and Take-Up Rates, March 2011 | 48 |
| Life Expectancy at Age 65, U.S. | 49 |
| Employment in the Insurance Industry, U.S.: 2003-2010 | 50 |
| Employment & Earnings in Insurance Industry Occupations, U.S.: May 2010 | 51 |
| Chapter 3: Important Insurance Industry Contacts | 53 |
| (Addresses, Phone Numbers and Internet Sites) | |
| Chapter 4: THE INSURANCE 300: | |
| Who They Are and How They Were Chosen | 73 |
| Industry List, With Codes | 74 |
| Index of Companies Within Industry Groups | 75 |
| Alphabetical Index | 83 |
| Index of U.S. Headquarters Location by State | 86 |
| Index of Non-U.S. Headquarters Location by Country | 89 |
| Index by Regions of the U.S. Where the Firms Have Locations | 91 |
| Index by Firms with International Operations | 101 |
| Individual Data Profiles on Each of THE INSURANCE 300 | 103 |
| Additional Indexes | |
| Index of Hot Spots for Advancement for Women/Minorities | 426 |
| Index by Subsidiaries, Brand Names and Selected Affiliations | 428 |