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(Click for frequent words.) 69 underwriting 68 SHKPI 67 policyholder retention 64 CIRe 62 Aurigen 62 Ansvar 61 Hiscox Bermuda 60 FinCor 60 MIICL 60 IPCRe 60 HMFI 59 Transsib Re 59 Bosna Re 59 PhilNaRe 59 Radian Asset 58 policyholder dividends 58 EIG Ansvar 58 XLFA 58 geographic diversification 58 de novo branching 58 QGIR 58 KICO 58 AFLIC 58 Lonpac 57 TMNF 57 Specialty Lines 57 DTRIC 57 SeaBright 57 Labuan Re 56 LMGI 56 Ratio BCAR 56 CastlePoint Re 56 CAMICO 56 Toa Re 56 casualty reinsurance 56 Hiscox Guernsey 56 Stephan Christiansen 56 Flagstone Holdings 56 AmerInst 56 MGUs 56 ARIG 56 unlevered balance sheet 56 MAPFRE RE 56 NIPPONKOA Asia 56 Best Capital Adequacy 56 Chief Executive Jacques Aigrain 56 adjusted capitalization 56 origination volumes 56 ceded reinsurance 55 HG LV 55 becoming GreenPowerhouse TM 55 Mr. Sondey 55 accommodative macroeconomic 55 persistency 55 reinsurance 55 policyholder surplus 55 cedents 55 downward repricing 54 Admin Re 54 KFSI 54 FirstBest UMS ™ 54 Patria Re 54 tele interviewing 54 cedant 54 Re Takaful 54 HLR Bermuda 53 Infrassure 53 WR Berkley 53 GIBGIB 53 Patrick Thiele 53 MedAmerica 53 operational excellence 53 RenRe 53 Casualty Reinsurance 53 Fortegra Financial 53 CyberSecurity Solutions segment 53 Ms. Frangou continued 53 BEST RE 53 Folksamerica 53 Lloyd syndicates 53 Mapfre Re 53 Marketform 53 Fac Re 53 Selects Guidewire 53 KIPCOKIPCO 53 Frederick H. Eppinger 53 Novae Re 53 cedants 53 Gen Re LifeHealth 53 LoanCare 53 established CoverX R 53 Amlin Bermuda 53 Folksamerica Re 53 reinsurance recoverables 53 reinsurance Hannover Re 53 partnerships Organon 53 Stefan Schuermann 53 Ansvar Insurance 53 FirstBest UMS 53 Vantis Life 53 EAIG 53 balance sheet deleveraging 53 Specialty Casualty 52 ACR ReTakaful SEA 52 Marita Zuraitis president 52 catastrophe reinsurance 52 InsPro Enterprise 52 bancassurance channel 52 ANICO 52 OneShield Dragon 52 rating affirmations 52 MCOT TM 52 Montpelier Re 52 HFSG 52 BestShoring 52 Electro Re 52 BNY Trade 52 Specialty Admitted segment 52 Aioi Nissay Dowa 52 Peyman Mestchian 52 AMERISAFE 52 Ms. Bouvette 52 Ms. Dressel 52 reinsurance broking 52 MCEV 52 ProMutual Group 52 Al Fajer Re 52 nonstandard automobile 52 CUMIS 52 ourbusiness 52 GFIC 52 BP insurer QBE 52 W. Stancil Starnes 52 SMMI 52 BPE Segment 52 Mr. Feldenkreis 52 FirstComp 52 disciplined acquisitive 52 Hannover ReTakaful 52 nonadmitted 51 Ironshore 51 competitively advantaged 51 property catastrophe reinsurance 51 nbAccelerator 51 ceding commissions 51 Thomas F. Motamed 51 retrocessional 51 ProMutual 51 Montpelier Reinsurance Ltd. 51 self insured retentions 51 caisse network 51 inforce 51 BOLI COLI 51 BillingCenter 51 Univest Insurance 51 BNTB 51 custom folding carton 51 MGI PHARMA marketed 51 owns Ameriana 51 AGCS AG 51 Radian Guaranty 51 John Raguin 51 reinsurance cessions 51 ABCD Vendor View 51 Valiant Specialty 51 DSD Dairy 51 Oklak 51 Allianz SpA 51 insureds 51 InsPro Technologies 51 reinsurance recoverables owed 51 shareowner value 51 MPLI 51 mortality persistency 51 linear pharmacokinetics 51 Somewhat offsetting these 51 LAE reserves 51 SCVBank 51 prudent macroeconomic 51 RenaissanceRe 51 Assured Guaranty Re 51 Prospectively AM Best 51 GCAN 51 spokeswoman Kate Hollcraft 51 SCNYL 51 Reinsurance recoverables 51 Merastar 51 WhiteWave Morningstar 51 BKIC 51 calculating TCE 51 highly adaptable WFO 51 noninsurance 50 variable annuity guarantees 50 Assumed Reinsurance 50 FirstBest UMS TM 50 Variable annuity 50 Mr. Keltjens 50 ARMtech 50 Partnered Brands segment 50 Bob Stuchbery 50 Regulation XXX 50 Groups Directive IGD 50 ACR ReTakaful MEA 50 takaful operators 50 BICI 50 Jim Jenness Kellogg 50 CastlePoint Insurance 50 i aXs 50 fixed indexed annuities 50 SCOR Vie 50 Deerbrook ® Insurance 50 RapidSure 50 CDPCs 50 reinsurance treaties 50 variable annuity reinsurance 50 Greenlight Re 50 subsidiary Montpelier Reinsurance 50 capitalized minimums 50 Delvag 50 Persistency 50 Wyncrest Group 50 technological innovations adversely affecting 50 nonperforming asset 50 conservatively underwritten 50 affecting mortality morbidity 50 Gary Bhojwani 50 noninterest bearing deposit 50 eReinsure 50 variable annuity hedging 50 Torus Insurance 50 BancInsure 50 Medmarc 50 Gramercy Realty 50 Mapfre Tepeyac 50 product OneShield Dragon 50 Ameriana 50 NAICO 50 Kingstone Insurance 50 Guidewire PolicyCenter ® 50 Jevco 50 Harcase 50 Browne Harleysville 50 Verlan Fire 50 flat yield curve 50 GAFRI 50 cedent 50 CompWest 50 XL Reinsurance 50 WSFG 50 AMBest 50 RMBS exposures 50 D. Fraizer 50 SBHCS 50 policyowners 50 NLASCO 50 Fiberglass Composite Pipe 50 FX McCahill 50 AGF Trust 50 GMDB 50 Mr. Mathas 50 outwards reinsurance 50 Underwriting 50 TFG CLO 50 Lloyd Syndicates 50 CEO Alex Wynaendts 50 iPartners 49 vi ineffectiveness 49 Physhield 49 Century Surety 49 premiums ceded 49 Pacifico Vida 49 AGCS 49 Fine Chemicals segment 49 Upgrades Issuer Credit 49 UNIFI Companies 49 Don Southwell Unitrin 49 Firemans Fund 49 Sverica 49 SBLIC 49 Beecher Carlson 49 DPAC amortization 49 FHCF 49 geographical diversification 49 Jeffrey A. Ludrof 49 Revises Rating Outlook 49 retrocessional coverage 49 reinsuring 49 Flagstone Suisse 49 lapsation 49 Balboa Reinsurance captive 49 FAFLIC 49 Thunderhead NOW 49 PETER PASSI covers 49 ULLICO Casualty 49 FSAH acquisition 49 Tambakeras 49 EUR#.#b 49 FirstMortgage Inc. 49 Guidewire ClaimCenter ® 49 cardmember lending 49 Operating Profit Margins 49 strategy GlobalData summarization 49 Imerica 49 bancassurers 49 retakaful 49 PPC LOAN 49 levered balance sheet 49 IBNR reserves 49 Dominic Frederico President 49 Deltron acquires profitable 49 PolicyCenter 49 EquiTrust Life 49 GERLING NCM 49 Loan Facilitation Services 49 Ratabase 49 Jacques Aigrain Swiss Re 49 Prospectively 49 ACE Tempest Re 49 GCG Wealth Management 49 Medicare Advantage MLR 49 wellpositioned 49 Margin compression 49 Allmerica 49 Removes Ratings 49 ADNIC 49 AEIX 49 derisking 49 BSLI 49 Correspondent Southport Visiter 49 Transocean insurer QBE 49 noninterest 49 Though downshifting tad 49 YoverY 49 reinsurers 49 Casiopea Re 49 Patni caters 49 EXAMPLE Platform 49 ILOG JRules ILOG Rules 48 Dr. Tsengas 48 Seguros Inbursa 48 JEVCO 48 analytic tradecraft 48 Trusted Choice R 48 mortality morbidity 48 highly leveragable 48 Christian Mumenthaler 48 FPKCCW 48 Solvency Score 48 Bronek Masojada 48 Financial Stability Rating 48 ParallelPay 48 Tokio Millennium 48 nonstandard auto 48 unleveraged balance sheet 48 Lloyd Syndicate 48 Conseco Insurance 48 Allin leverages 48 Newline Insurance Company 48 SUNZ 48 Guidewire PolicyCenter 48 OBPI 48 mitigant 48 Fixed annuity 48 CastleBay 48 Jim Prieur 48 selembu 48 Seguros ING 48 ii Immtech ability 48 retrocessional reinsurance 48 Chuck Boehlke 48 UnderRight 48 Century Indemnity 48 CoverX 48 Tranquilidade 48 ONEOK Partners segment 48 strategy summarization 48 Skip Caray sons 48 Steamship Bermuda 48 Takaful Re 48 StanCorp 48 Acergy ADRs 48 agents brokers MGAs 48 Underwriting Officer 48 risk mitigant 48 DCPM 48 RenaissanceRe Syndicate 48 Unitrin 48 profitability 48 Insurity 48 Ambac Assurance Corporation 48 Bermuda reinsurers 48 CommerceWest Bank 48 Medicare Advantage PFFS 48 HDI Gerling 48 SCOR Global 48 AM Best 48 ChannelRe 48 SurePower Innovation 48 Correspondent Liverpool Echo 48 Ramani Ayer chairman 48 CypressTree 48 BBB counterparty 48 AIP Mutual Funds 48 Agostino Galvagni 48 guaranty insurers 48 reinsurance intermediaries 48 liberal blogroll 48 Composite Fibers 48 issuers counterparties 48 AdminServer 48 RMIC 48 Thomas R. Watjen 48 workersa compensation 48 Sagicor Life 48 executional excellence 48 RenRe Insurance 48 practices Piszel 48 PartnerRe 48 SBLI USA 48 HMEC 48 UniRisX 48 Fitch Negative Outlook 48 Uni Ter 48 Promutuel 48 reinsures 48 affirmations reflect 48 Chedid Re 48 technologic innovation 48 PruProtect 48 Chief Executive Tom Folliard 48 Geoffrey Rotstein 48 Francis DiNuzzo 48 Assurant Specialty Property 48 Blodnick 48 AEFA 48 Positive Rating Outlook 48 mitigants 48 intercompany reinsurance 48 Milli Re 48 HDI Industrie 48 Personal Lines 48 nonperforming assets NPAs 48 transaction significantly undervalues 48 inherent cyclicality 48 DNBi 48 Mr. Carmilani 48 partially mitigated 48 Costas Miranthis 48 Leadway 48 nat cat 48 Employers Liability Compulsory 48 loan originations 48 facultative 48 casualty insurance 48 FSAH 48 tiring Derek Lowe 48 ACE Westchester 47 PLICO 47 XLCA 47 Mr. Ridgill 47 caatoosee 47 predictable repeatable 47 Wysaske 47 referenceability 47 cardmember spending 47 HomeServe dedicates itself 47 BestShoring TM 47 Aon Capital Markets 47 multiline insurer 47 Donegal Mutual 47 IGEFI 47 OMFN 47 Liberty Syndicates 47 Omnicare CR 47 marketconditions 47 UPCIC 47 Barry Zyskind 47 GRCM 47 HEMIC 47 DHHA 47 nonrecourse financing 47 Minimum Continuing 47 Rasameel 47 OdysseyRe 47 EGI Financial 47 Progress Savvion BPM 47 Deerbrook ® 47 Mr. Eishen 47 Harleysville Insurance 47 AIUK 47 everybody Danenberger 47 DSD Dairy segment 47 inflationary pressures adversely affecting 47 Beazley syndicates 47 Mr. Sturken 47 reinsurance coverages 47 SCP Standards quantify 47 client centricity 47 RoEs 47 Jack Van Berkel 47 RSUI 47 ClaimCenter 47 Algo OpVantage 47 NBCR risks 47 Allegient 47 Kingsway Reinsurance Corporation 47 Vehicular Products 47 wirehouse channel 47 BNL Vita 47 SALAMA 47 Professional Liability 47 JMP Credit 47 Aon Re 47 Chief Executive Ramani Ayer 47 properties collateralizing 47 GENEX 47 unfavorable payor mix 47 AssetMark 47 Inc NASDAQ CISG 47 FinCor Holdings 47 PDP MLR 47 FirstService REA 47 Jeffery Yabuki 47 SBT Bancorp 47 CareerStaff 47 complete disclaimer appearshere 47 Underperform recommendation 47 mortgage loan originations 47 Navigators Specialty 47 RiverSource Life 47 financial guaranty reinsurer 47 Cotshott 47 Sunil Chitale 47 Reinsurance Assumed 47 commented Weizhou Lian 47 Engineered Products Segment 47 SunAmerica Financial 47 Risk Retention Groups 47 FUEL CHEM segment 47 pd ratings 47 economicconditions 47 BFSRs 47 von Bomhard 47 ARKOON Network Security 47 adjusted1 net 47 InsureWorx 47 Petrotemex 47 FCGH 47 TRIOLE R 47 von Rickenbach 47 Ternian 47 Merastar Insurance 47 ratios compare favorably 47 SY Bancorp 47 OneBeacon Professional Partners 47 DAC unlocking 47 andmarket 47 COLI BOLI 47 minimize Tardive Dyskinesia TD 47 payor mix 47 SF CDO exposure 47 GCAN Insurance Company 47 PLRMBS 47 MCCSR 47 InsPro 47 obligor concentration 47 La Capitale 47 FUTURITY FIRST 47 Inviva 47 CardioNet MCOT TM 47 incentive accruals 47 policyowner 47 nonlife 47 Ullico Casualty 47 MEEMIC Insurance Company 47 IDT Carmel 47 Specialty Reinsurance 47 accretively 47 Thomas J. Bisko 47 Lead Fabricating 47 Talbot Underwriting 47 leveraged buildups 47 Guidewire Insurance 47 reinsurance brokerage 47 prudent 47 Validus Re 47 balance sheet securitizations 47 OREO properties 47 AppraiserLoft 47 eRisk Hub 47 Siim Vanaselja Chief 47 Jens Lehmann Klinsmann 47 subsidiary SUA 47 UnitedHealthcare Ovations 46 promotional cadence 46 Stable Rating Outlooks 46 Irreplaceable Corners 46 ample liquidity 46 subsidiary PremierWest 46 MNMC 46 RAROC 46 visit www.adm.com 46 Visit www.generalmills.com 46 Cobalt Gordian 46 Stimulative monetary 46 KPIs metrics 46 liquidate REO 46 overcapitalized 46 Deikmann 46 Holdings AMEX UVE 46 Ravi Ika 46 HEH believes 46 Unitrin Direct segment 46 geographic concentration 46 TARIC 46 written NPW 46 please visit http:/www.weingarten.com 46 NIVM 46 SINOSURE 46 barrenwort extraction efficiency 46 procyclical 46 Bruno Pfister 46 xxxii 46 Novus Origo 46 Mr. Schimkaitis 46 cash flows 46 SS NOI helps 46 Strength IFS 46 subaccounting fees 46 SEAMARK 46 DLF Pramerica Life 46 Uni.Asia 46 Rajaan Chairman 46 Partially mitigating 46 Ms. Brolick 46 Grahame Chilton 46 Jevco Insurance Company 46 Environment HSSE 46 while SAVVIS ensures 46 continuous improvement 46 SEMCAN seeks 46 Cairnstone 46 Revios 46 CoreStream Energy 46 Wynsure 46 Nortel Networks enriches 46 Willi Food commented 46 ReTakaful 46 synergistic acquisitions 46 THB# #mn 46 Ted T. Awerkamp 46 Peer Schatz QIAGEN 46 SouthFirst 46 Chartis enables 46 Dorinco 46 scalability Guidewire solutions 46 Thunderhead NOW platform 46 indexed annuity 46 InteliStaf 46 Byron Udell founder 46 reinsurers Hannover Re 46 ReMark 46 Peter Zaffino 46 de levering 46 EVTeam 46 riskmanagement 46 Therein lurks 46 SunGard iWorks 46 Understanding BCAR 46 xi unanticipated 46 financial guaranty reinsurance 46 Acetyl Intermediates 46 Transamerica Occidental Life 46 highly leverageable 46 HealthSCOPE 46 ACORD standards 46 log onto http:/www.aon.com/ 46 inour 46 Radian Asset Assurance 46 GNY 46 NAIC RBC 46 wholesaling broker dealer 46 DUNSRight 46 Cattolica Assicurazioni 46 diversification 46 DxCG 46 Jeworrek 46 Robert S. Cubbin 46 LibertyBank Acquisition 46 leverageable 46 Bradesco Seguros 46 Giantec 46 Guy Carpenter 46 dealer floorplan ABS 46 Functional Transformation 46 website AARP.org 46 AMEX Assurance 46 Expansionist Israeli housing 46 captive domiciles 46 analyst Vangelis Agapitos 46 Steamship Mutual 46 Somers Pardue 46 xxxiii 46 actuarial soundness 46 QSGI commented 46 BCAR 46 Maltese Ecclesiastical Province 46 WNS ADS 46 Amerisafe 46 Flattering LaFontaine demurs 46 Coastal Bend Swimming 46 Specialty Phosphates 46 HGIC 46 Deerbrook R 46 Arcadia HealthCare comprehensive 46 shippable backlog 46 HCC Insurance 46 DZI Insurance 46 Jacques Aigrain 46 t'azur 46 efficiency ratio teb 46 ratemaking flexibility 46 competitively differentiated 46 Zubretsky 46 repricing downward 46 Aon Benfield 46 Professional Liability PL 46 institutionally oriented 46 JIIC 46 Sysix 46 H. Edward Hanway 46 merchant chargebacks 46 EUR1 #mn 46 IGD surplus 46 minimal paydown 46 COLI policies 46 Caparra Hills 46 TruExposure 46 Discontinued Lines 46 AutoOne 46 Duperreault 46 AgencyPort 46 Earned premiums 46 Equities Fixed Income 46 MCCSR ratio 46 Guidewire ClaimCenter 46 Stable Rating Outlook 46 bancassurance 46 EPLI 46 Douetil 46 AEGON Americas 46 BDI Pharma 46 Wintrob 46 Mr. Wehmer 46 AXIS Re 46 A.M. Best Assigns Ratings 46 Nichido Fire 46 MXN# #mn 46 viaVerio Partner Program 46 ACGL 46 Gerling NCM 46 Siesko Partners 46 AequiCap 46 Nadata 46 Encompass SM 46 Envysion Video 46 Droxidopa Chelsea 46 Harsco Infrastructure 46 RRGs 46 Vertafore PolicyIssuance 46 partially mitigates 46 loan origination volumes 46 Demotech 46 CMG MI 46 motto Purely 46 JLT Facilities 46 intuition toughness 46 Volker Whiting 46 Stable Outlook reflects 46 CTT Holdings 46 J. Peninger 46 instrument SHORT TERM 46 EquiTrust 46 SupplySMART ™ energy 46 VPAS R 45 simple Adventuring 45 Accurum 45 SFSB Inc. 45 using TCA grading 45 Ocaso 45 seasonally slowest 45 underwrites specialty 45 ATOSS 45 expertise GATX 45 Stan Galanski 45 NSLIJ 45 Fiduciary Liability 45 CorSolutions 45 reorganizations mergers 45 Modtech TM 45 OSV segment 45 Immtech clinical trials 45 analyzed alongwith 45 OneBeacon 45 Irrigation Segment 45 Catastrophe losses 45 Boucheny 45 Dunlaevy stated 45 MedSynergies 45 dsw.com 45 microprudential 45 balance sheet 45 surety bonding 45 Quotestream II 45 finance acquisitions recapitalizations 45 GFNorte 45 visit www.aclines.com 45 reinsurer 45 Negative Outlook reflects 45 Kavitsky 45 log onto http:/www.aon.com 45 Joseph M. 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Schorsch 45 Bermuda domiciled holding 45 Arch Reinsurance 45 Stable Outlook incorporates 45 MAISONS FRANCE 45 VNB 45 Encompass Insurance 45 Fitch AAAmmf rating 45 Harleysville distributes 45 borrower depositor 45 General Donlee 45 government Grybauskaite budgetary 45 Vicwest Building 45 Fieldpoint Private 45 bluff sandy soils 45 andservice 45 Investacorp 45 OHIC 45 cyclical upturns 45 TFG CLO investments 45 PROMÉRICA BANK 45 arthouse earners 45 unfavorable variances 45 MISTRAS 45 iWorks Prophet 45 HCSC 45 HealthMarkets 45 FFO FAD 45 Search Newsday.com Web 45 Nsoro 45 cash fl ow 45 casualty facultative 45 Jim Mulva chairman 45 domestics merchandise 45 Markel Ventures 45 Symetra Life 45 ERGO Insurance 45 Wholesale Banking 45 AXIS Capital 45 wholly owned subsidiary IPCRe 45 FEMSA Comercio 45 Transamerica Re 45 Torchmark 45 LAE ratio 45 Specialty Fluids Business 45 Dr. Karasch 45 Coverages 45 Athilon 45 StoneTurn 45 IDIT 45 agriculture Usakowski 45 Metretek Florida 45 Crisa acquisition 45 retrocessionaires 45 facultative reinsurance 45 MD Ph.D. NeuroMetrix 45 Motricity mCore Platform 45 ezRez Software 45 inforce premium 45 Mint Leasing 45 spokesman Stefan Leunig 45 QSGI offsets 45 Search dailypress.com Web 45 Orrstown Financial 45 BrandPartners Retail 45 Sitrick Brincko Group 45 Transamerica Life 45 noninterest bearing deposits 45 Chartis 45 Orion HealthCorp 45 Flagstone 45 Christopher Kubasik Lockheed 45 affirmation reflects 45 collateralized reinsurance 45 E. Olofson 45 REL Consultancy Group 45 fixed annuities 45 xv adverse 45 PARIS RE 45 Drew Kanaly 45 BlueOptions 45 exclude nonrecurring items 45 Reaseguros 45 Hiscox plc 45 Infinistructure 45 view www.idexrecruitment.com 45 LifeSecure 45 First Ameritas Life 45 Mr. Melnuk 45 Mc Enery 45 AXENTIS 45 Bagger Dave concept 45 Vanbreda 45 analyst Bijan Moazami 45 productsand services 45 FundVest 45 Ritondaro 45 Roadway Sensors 45 Cloakware patented layered 45 operational efficiency 45 ALTANA Chemie 45 Exigen Suite 45 PANDUIT valuable 45 CEO Walt Bettinger 45 ESET pioneered 45 SCOR SE 45 LionMark Insurance Company 45 actuarial 45 Feihe brand 45 Andreas Weese 45 Promotions.com subsidiary 45 Stable Value 45 Dennis Eidson Spartan 45 microsurgical disciplines 45 positively sloped 45 Gross Profit Margins 45 x Immtech 45 XL Insurance 45 services visit www.aspyra.com