I-Bytes Insurance Industry

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I-Bytes
Insurance
February Edition 2020
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Table of Contents
1. Financial, M & A Updates...................................................................................................................................1
2. Solution Updates................................................................................................................................................21
3. Rewards and Recognition Updates..................................................................................................................23
4. Customer Success Updates...............................................................................................................................39
5. Partnership Ecosystem Updates.......................................................................................................................41
6. Miscellaneous Updates.......................................................................................................................................46
7. Event Updates.....................................................................................................................................................52

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Financial, M & A
Updates Insurance Industry

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Financial, M&A Updates
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Aflac (USA) Global Investments Announces Strategic Partnership with Varagon
Capital Partners, L.P.
Aflac Global Investments, the asset management subsidiary of Aflac
Incorporated, announced it has entered into a definitive agreement to purchase
a significant non-controlling minority interest in Varagon Capital Partners,
L.P. (Varagon), a direct lending asset manager that has made over $14.5 billion
of financing commitments as of December 31, 2019. In addition, Aflac Global
Investments is making a multi-year commitment to build a portfolio of up to
$3.0 billion of middle market loans on behalf of Aflac Japan and Aflac U.S.,
subject to additional terms and conditions. The transaction does not have a
material impact on Aflac Incorporated's recently articulated 2020 capital
deployment plans or overall capital and liquidity position and is expected to
close in the first quarter of 2020, subject to customary regulatory and other
closing terms. Rothschild & Co served as financial advisor, and Debevoise&
Plimpton as legal advisor, to Aflac Global Investments. Wells Fargo Securities
served as financial advisor and Davis Polk & Wardwell served as legal advisor
to Varagon.
Executive Commentary
Aflac Incorporated Executive Vice President, Global Chief Investment
Officer and President of Aflac Global Investments commented: "We are
pleased to announce this strategic partnership with Varagon as part of our
growth strategy for Aflac Global Investments. This investment supports
our strategic asset allocation and leverages our external management
platform to create enhanced value for Aflac and our stakeholders. It allows
us to diversify our revenue streams and participate in the growth of a
leading asset manager in an important and growing segment of the private
markets. Middle market loans are a strategically important asset class for
Aflac, as is the ability to leverage our capital to grow a quality asset
management franchise."
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Allianz (Germany) completes purchase of LV General Insurance Group and the
General Insurance division of Legal & General
Allianz Holdings plc has completed the planned acquisition of the
remaining 51 percent of the LV General Insurance Group (LV GIG) from
Liverpool Victoria Friendly Society (LVFS). The total consideration by
Allianz for 100 percent of LV GIG will be up to 1.078 billion pounds.
Allianz Holdings plc has completed the acquisition of 100 percent of the
General Insurance division of Legal & General (L&G GI) for 242
million pounds. This business is being combined with LV GIG, although
the Legal & General brand will continue to be used in the UK general
insurance market for up to three years. This follows the announcement of
these transactions on May 31, 2019. The completion of these deals
positions Allianz Holdings plc as the number 2 general insurer in the UK,
based on full year 2018 figures. The combined business had a gross
written premium income of over 4 billion pounds and a market share of
9 percent.
Chief Executive Officer of LV GIG Said “This is an exciting day for
LV GIG and we’re very happy to now be part of Allianz and have our
colleagues from L&G GI also join us. For the last few years, we’ve
worked incredibly hard to make LV= the brand it is today and,
although we’ve achieved an incredible amount, I believe that with the
backing of Allianz, and L&G GI being part of our business, the best
is truly yet to come. I’m excited to see what the future brings.”
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American Financial Group, (USA) Inc. Declares Quarterly Dividend
American Financial Group, Inc. announced that it has declared a regular dividend of $0.45 per share of American
Financial Group Common Stock. The dividend is payable on January 27, 2020 to holders of record on January 15,
2020.American Financial Group is an insurance holding company, based in Cincinnati, Ohio with assets over $65 billion.
Through the operations of Great American Insurance Group, AFG is engaged primarily in property and casualty
insurance, focusing on specialized commercial products for businesses, and in the sale of traditional fixed, fixed-indexed
and variable-indexed annuities in the retail, financial institutions, broker-dealer, registered investment advisor and
education markets. Great American Insurance Group’s roots go back to 1872 with the founding of its flagship company,
Great American Insurance Company.
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Assurant (USA) Board of Directors Declares Quarterly Dividends on its
Common and Preferred Stock
Assurant, Inc., a leading global provider of housing and lifestyle solutions that support, protect and connect major consumer purchases, announced that its Board
of Directors declared dividends on its common and preferred stock as follows:
• Common - a quarterly dividend of $0.63 per share of common stock. The dividend will be payable on March 16, 2020 to stockholders of record as of the close
of business on February 24, 2020.
• Preferred - a quarterly dividend of $1.6250 per share of 6.50% mandatory convertible preferred stock. The dividend will be payable on March 16, 2020 to
stockholders of record as of the close of business on March 1, 2020.
Future dividend declarations will be made at the discretion of the Assurant Board of Directors and will be dependent upon the company’s earnings, financial
condition, capital requirements, future prospects, regulatory and other restrictions, among other factors.Assurant, Inc. (NYSE: AIZ) is a leading global provider
of housing and lifestyle solutions that support, protect and connect major consumer purchases. Anticipating the evolving needs of consumers, Assurant partners
with the world’s leading brands to develop innovative products and services and to deliver an enhanced customer experience. A Fortune 500 company with a
presence in 21 countries, Assurant offers mobile device solutions; extended service contracts; vehicle protection services; pre-funded funeral insurance; renters
insurance and lender-placed homeowners insurance. The Assurant Foundation strengthens communities by supporting charitable partners that help protect where
people live and can thrive, connect with local resources, inspire inclusion and prepare leaders of the future.
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Athene (Bermuda) Closes $6 Billion in Pension Risk Transfer
Transactions During 2019
Athene Holding Ltd., a leading retirement services company, announced it has reached approximately $6.0
billion in total pension risk transfer (PRT) transactions for 2019, which includes approximately $800
million from a recently completed funded reinsurance transaction with a leading U.K. insurance company.
Under the terms of Athene’s inaugural transaction in the U.K. market, which closed December 19, 2019,
the Company will reinsure a block of pension benefit liabilities through its wholly owned subsidiary
Athene Life Re International Ltd. In a few short years, Athene has become a leader in the PRT industry,
managing pension payments for more than 168,000 annuitants. Since 2017, Athene has closed 16 pension
risk transfer transactions totaling nearly $11 billion.Athene, through its subsidiaries, is a leading retirement
services company that issues, reinsures and acquires retirement savings products designed for the
increasing number of individuals and institutions seeking to fund retirement needs. The products offered by
Athene include:
• Retail fixed, fixed indexed and index-linked annuity products;
• Reinsurance arrangements with third-party annuity providers; and
• Institutional products, such as funding agreements and group annuity contracts related to pension risk
transfers.
Athene had total assets of $144.2 billion as of September 30, 2019. Athene's principal subsidiaries include
Athene Annuity & Life Assurance Company, a Delaware-domiciled insurance company, Athene Annuity
and Life Company, an Iowa-domiciled insurance company, Athene Annuity & Life Assurance Company of
New York, a New York-domiciled insurance company and Athene Life Re Ltd., a Bermuda-domiciled
reinsurer.
“We are excited about our progress within the PRT business during the last few years,” said, President
of Athene. “This year alone we have closed on more than twice the volume we closed on in all of 2018
– all with attractive targeted returns. As a leader in the U.S. pension risk transfer market, we are now
pleased to bring our strength and expertise to offer solutions to companies in the U.K. pension market
as a reinsurance partner to domestic insurers.”
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Baloise(Switzerland) acquires Giessen site in Dübendorf
Baloise has acquired two plots of land as part of the Giessen
development in Dübendorf. Plans for the approximately
35,000 square metre site include the construction of 500 new
homes, as well as commercial units and green spaces, by
2026.The acquisition of the land and the planned
development expands Baloise’s investment portfolio of
rented property in highly attractive locations. The Giessen site
in Dübendorf is easily accessible by local public transport and
by road, and is considered one of the most promising areas for
development in the region. The first tenants are expected to
move in by autumn 2026.
“I am delighted that the acquisition of the Giessen site will
allow Baloise to create attractive and environmentally
sustainable residential space in Dübendorf. The planned
500 or so homes will be built to the highest Minergie
standards and provide space for the individual needs of a
wide range of the population,” saysChief Investment
Officer of the Baloise Group.
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Chubb (Switzerland) Announces Fourth Quarter 2019 Global Net Catastrophe Loss Estimates of $430 Million Pre-Tax, or $353 Million
After Tax; Fourth Quarter 2019 Agriculture Underwriting Loss Estimates are $23 Million Pre-Tax, or $18 Million After Tax
Chubb Limited announced net catastrophe loss estimates for the fourth quarter of 2019 of $430 million pre-tax, or $353 million after tax. The losses are primarily attributable
to severe weather-related events around the globe including tornadoes in Texas, wildfires in California, and Typhoon Hagibis in Japan, as well as civil unrest in Hong Kong
and Chile. These estimates are net of reinsurance, include reinstatement premiums and comprise losses generated from the company's commercial and personal property and
casualty insurance businesses as well as its reinsurance operations globally. In addition, for North America Agricultural Insurance, the company estimates for the fourth quarter
an underwriting loss of $23 million pre-tax, or $18 million after tax, primarily attributable to crop yield shortfalls resulting from poor growing conditions. In the third quarter
of 2019, the company recognized a charge related to preventive planting claims due to the impact of wet weather conditions. For Agriculture, the combined ratios for the fourth
quarter and full-year 2019 are expected to be 105.4% and 95.1%, respectively.Chubb is the world's largest publicly traded property and casualty insurance company. With
operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance,
reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay
our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and
local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains
executive offices in Zurich, New York, London, Paris and other locations, and employs more than 30,000 people worldwide.
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CNPAssurances (France): Lydia announces €40 million Series B funding led by
Tencent, to create Europe’s leading finance super-app
Lydia, the fast-growing French leading mobile payment company,
announced the completion of its €40 million Series B funding led by
China-based tech company Tencent. Previous investors Open CNP by CNP
Assurances, XAnge and New Alpha also participated and remain committed to
support Lydia’s innovative vision. The company will use the Series B funding
to scale its mobile financial services platform and expand across Europe. With
3 million users in France and its brand being used as a verb for mobile P2P
payments, Lydia has recently expanded its product offering to become a
one-stop shop application for financial life. Users can now get accounts,
payment cards, loans, insurance, money pots, gift cards and much more in
a single intuitive interface. Some products are developed in-house while
others are provided by third- party partners through a marketplace, but all
benefit from the same simple real-time onboarding experience which is
Lydia’s trademark.
“Today, 25% of 18 to 30 years-old in France have a Lydia account, and we
built this powerful network effect engine with very little investment. With
the new funding round and a partner like Tencent, who will help us save a
lot of time and avoid costly mistakes in this scaling-up phase, we have all
the reasons to be very ambitious” said Co-founder and CEO, Lydia. “We
are now in a position to challenge the traditional retail banking
distribution model with a mobile platform model similar to what we see in
sectors like retail, music or travel”.
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Fairfax (Canada) Declares Annual Dividend
Fairfax Financial Holdings Limited announces that it has declared a dividend of US$10.00 per share on its outstanding
multiple voting and subordinate voting shares, payable on January 28, 2020 to shareholders of record on January 21,
2020. Applicable Canadian withholding tax will be applied to dividends payable to non-residents of Canada.
Consistent with the practice of prior years, the amount of this annual dividend was determined taking into account the
current operating results of Fairfax and its insurance and reinsurance companies and the current cash position at the
Fairfax holding company. Consequently, as each year’s circumstances are different, this dividend should not be
regarded as indicative of the amount of any future annual dividends. Fairfax is a holding company which, through its
subsidiaries, is engaged in property and casualty insurance and reinsurance and the associated investment
management.
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Generali (Italy) Completed The Acquisition Of SeguradorasUnidas And
Advancecare In Portugal
Generali finalized the acquisition in Portugal of 100% of the company SeguradorasUnidas and the service company
AdvanceCare from Calm Eagle Holdings S.à r.l. and Calm Eagle Parent Holdings II S.à r.l., entities majority owned
by investment funds managed by certain affiliates of Apollo Global Management, Inc. (NYSE: APO). Generali has
received the required approvals from all relevant regulatory bodies and competition authorities and therefore
completed the transaction announced on 18th July 2019.Pedro Carvalho will be the CEO of the insurance entities of
the Generali Group in Portugal (Generali Vida, Generali Seguros, SeguradorasUnidas), directly reporting to Jaime
Anchústegui, CEO International of Generali.Pedro joins the group after a significant experience in senior
management roles within the insurance industry.
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Genworth MI Canada Inc. Announces Special Dividend
The Board of Directors of Genworth MI Canada Inc. announced that it has declared a special
dividend of $2.32 per common share, for an aggregate amount of approximately $200
million. This special dividend is to be paid on February 11, 2020, to shareholders of record
at the close of business on January 28, 2020.Genworth MI Canada Inc. designates any and all
dividends paid or deemed for Canadian federal, provincial or territorial income tax purposes
to be paid as "eligible dividends", unless indicated otherwise in respect of dividends paid
subsequent to this notification, and hereby notifies all recipients of such dividends of this
designation.Genworth MI Canada Inc. (TSX: MIC) through its subsidiary, Genworth
Financial Mortgage Insurance Company Canada ("Genworth Canada"), is the largest private
residential mortgage insurer in Canada. The Company provides mortgage default insurance
to Canadian residential mortgage lenders, making homeownership more accessible to
first-time homebuyers. Genworth Canada differentiates itself through customer service
excellence, innovative processing technology and a robust risk management framework. For
more than two decades, Genworth Canada has supported the housing market by providing
thought leadership and a focus on the safety and soundness of the mortgage finance system.
As at September 30th, 2019, the Company had $7.1 billion total assets and $4.0 billion
shareholders' equity.
"As we work towards achieving our target leverage ratio of 15 per cent, we are pleased
to return additional capital to shareholders, which will be funded from increased debt and
liquid securities at Genworth MI Canada Inc." said President and CEO.
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Helvetia (Switzerland) signs UN Principles for Responsible Investment
Helvetia signed the Principles for Responsible Investment (PRI). The
global investor initiative works to bring about a better understanding of
the investment implications of environmental, social and governance
factors.Swiss insurance group Helvetia has signed the United
Nations-supported Principles for Responsible Investment (PRI), thereby
affirming its responsibility to actively promote environmental, social and
governance (ESG) issues and incorporate them into the investment
process. Since 2017, the group has been using ESG screening to analyse
almost 90 percent of its financial assets for non-sustainable
investments.Incorporating sustainability into investment decisions is key
to financial market stability and performance. As a long-term investor,
Helvetia is at the top of the investment chain, sending a clear signal to
entities, organizations and countries.
Chief Investment Officer of Helvetia, says: “Our signing of the PRI
underscores our conviction that we as an investor have a social
responsibility and fiduciary duty. The principles reflect our practice
of implementing responsible investment in line with global
guidelines – tailored to our business model and portfolio”.
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Helvetia (Switzerland) acquires majority stake in Spanish Caser and further
expands its European business as a second pillar
Helvetia Insurance is acquiring a majority of the Spanish insurer Caser and in
doing so will reach a milestone that fits perfectly with its current strategy. With
this acquisition the European business will be strengthened further as a second
pillar, the attractive non-life business will be expanded significantly and the
company’s distribution capabilities in Spain will be increased. With Caser,
Helvetia will also be able to tap into new business models in the form of stable fee
income from attractive eco-systems in the areas of health and old-age
care.Helvetia has reached an agreement with various shareholders with respect to
the sale of their equity stakes. The other shareholders have the option to sell their
shares to Helvetia at the same conditions. Helvetia expects that it will ultimately
acquire a holding of up to 70% in Caser. The above-mentioned bank distribution
partners will maintain a stake of around 30% in Caser, which underlines the
strategic significance of these distribution partnerships. The purchase price for a
holding of almost 70% in Caser is around EUR 780 million.
"The acquisition of Caser perfectly fits Helvetia’s strategy", as Group CEO of
Helvetia, explains. "Our business in Spain has performed very well in recent
years and will now be strengthened further by this transaction, which will also
substantially increase the importance of our European activities. Both
companies complement each other outstandingly, including from a cultural
perspective. Caser will also immediately make a significant profit
contribution."
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IAG (Australia) outlines 1H20 results, customer refunds provision,
recent hailstorm impact, updated guidance
1H20 results:
• Gross written premium (GWP) growth of around 1.4% (1H19: 4.1%),
consistent with the ‘low single digit’ GWP growth guidance provided for
the full year;
• An underlying insurance margin of 16.9% (1H19: 16.2%);
• A reported insurance margin of 13.5% (1H19: 13.7%), after inclusion of:
• Net natural peril claim costs of $419 million;
• Lower than anticipated net reserve releases of $5 million; and
• A modestly favourable credit spread effect;
• A loss from fee-based business of $2 million (1H19: profit of $5 million);
and
• A post-tax provision of approximately $80 million for customer refunds.
IAG’s Managing Director and CEO said: “We are pleased with our
underlying business performance, which continues to track in line with
our expectations, both at the GWP and underlying margin levels, and in
terms of the net benefits being realised from our optimisation
program.We have, however, revised our reported insurance margin
guidance for the full year, to reflect the recent heavy natural peril
activity and a reduced expectation for prior period reserve releases
following the lower than anticipated first half net reserve release
outcome,”.
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Legal & General (UK) acquires BTR tower on behalf of two flagship funds
Legal & General (LGIM Real Assets) announces that it has exchanged contracts on a new Build to
Rent (BTR) tower “North Tower” in Deansgate Square, Manchester. The acquisition, which is in line
with LGIM Real Assets’ strategy to strengthen its exposure to alternative and operational sectors, has
been made on behalf of its two largest balanced funds, the UK Property Fund and the Managed Fund,
in a 50:50 ownership structure.The deal represents the Managed Fund’s first BTR acquisition as part
of a sustained push into alternative sectors. Previous investments include the purchase of hotels,
healthcare facilities and student accommodation. The Managed Fund, launched in 1971, has grown by
£2bn in the last six years to a current value of £3.4bn.For the UK Property Fund, this acquisition
represents a further strengthening of its exposure to operational assets, including the recent acquisition
of a 189-flat BTR site in Chelmsford and 14,000 sq ft. of lettable self-storage space across three sites.
Since its launch in 2006, the UK Property Fund has grown from £100m to around £3bn today, with its
success underpinned by a blended and high quality portfolio of assets.Designed by world renowned
architects SimpsonHaugh, North Tower sits at the heart of the Deansgate Square development, a
cluster of four elegant residential towers surrounded by carefully curated amenity, commercial and
public realm spaces. North Tower provides 276 luxury apartments of one-, two- and three-bedrooms,
across 37 storeys. Residents will benefit from exclusive access to an unrivalled amenity building
which includes a two-storey gym, 20m swimming pool, sauna, steam room, fitness studios and a full
size indoor sports hall.
“This acquisition represents the coming together of two of LGIM Real Assets’largest funds as we
continue to diversify our exposure to alternative sectors. Alongside hotels, self-storage and
student accommodation, BTR will continue to be a preferred subsector, giving us real-time access
to occupational markets with a robust growth in rental income.” Said Director of Real Estate Fund
Management at LGIM Real Assets
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Manulife Investment Management (Canada) Announces Acquisition of Upscale
Multifamily Property in Montreal for $105 Million
Manulife announced today it has acquired Phases 3 and 4 of EQ8 LaSalle for
$105 million. The two, newly-constructed multifamily buildings stand at 16
storeys and encompass a total of 300 units. Catering to young professionals
and families, EQ8 features an attractive suite mix of 32% one-bedroom units,
48% two-bedroom units, and 20% three-bedroom units. Suite sizes range from
500 square feet to 1,350 square feet, and are accompanied by an attractive mix
of amenities and high-end finishes. The property is ideally located in
Montreal’s borough of LaSalle, situated on the southwest portion of the City.
Acting as a major industrial and commercial hub, LaSalle is equidistance from
downtown Montreal and Trudeau International Airport. The borough is also
proximate to many amenities renters are looking for. Residents of the area
benefit from access to 2.3 million square feet of retail, including two large
retail centres adjacent to the property, as well as immediate access to public
transit and main, aeterial highways.
“The City of Montreal’s economic story is positive,” said Head of Real
Estate Investments, Manulife Investment Management. “Infrastructure
investments, a tightening labour market and government support for
technology have all contributed to economic advancement, and ultimately,
a market we’re looking to expand in.”
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Momentum Metropolitan Holdings (South Africa) acquires Alexander Forbes
Short-term Insurance business in South Africa
Momentum Metropolitan Holdings Limited (previously MMI Holdings
Limited) is pleased to announce that it has completed its acquisition of the
Alexander Forbes Short-term Insurance business (AFI) from Alexander
Forbes Limited following unconditional regulatory approval. This strategic
acquisition marks continued progress on Momentum Metropolitan’s overall
Reset and Grow strategy, and specifically aims to fast-track growth of the
short-term insurance interests of the Group.In practice, the integration of the
two businesses will be realised in several steps involving integrating
operations and consolidating product offerings, which once concluded, will
trade under the Momentum brand, using one insurance licence.All current
policy terms and conditions will remain unchanged for both MSTI and AFI
policy holders. Over the course of the next year, AFI staff will become
employees of the merged entity and AFI’s operations will move to Momentum
premises where appropriate.
“Momentum Metropolitan’s portfolio of businesses already commands
substantial market share in the life insurance, investments, corporate and
health product and advice arenas. This transaction more than doubles our
client base to 150 000 policyholders and positions the combined short-term
insurance business of Guardrisk, Momentum Short-term Insurance (MSTI)
and AFI within the top three players in the short-term insurance market in
South Africa,” says CEO of Momentum Metropolitan.
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Reinsurance Group of America Reports Fourth Quarter Results
• Fourth quarter net income of $235 million, or $3.68 per diluted share, compared with $110 million, or $1.72 per
diluted share, in the prior-year quarter. Adjusted operating income* totaled $219 million, or $3.43 per diluted share,
compared with $222 million, or $3.46 per diluted share, the year before. Net foreign currency fluctuations had a
favorable effect of $0.01 per diluted share on net income and adjusted operating income as compared with the prior
year.
• Full-year net income totaled $870 million, or $13.62 per diluted share, compared with $716 million, or $11.00 per
diluted share in 2018. Adjusted operating income for the full year totaled $853 million, or $13.35 per diluted share,
compared with $789 million, or $12.12 per diluted share the year before. Net foreign currency fluctuations had an
adverse effect of $0.18 per diluted share on net income and adjusted operating income for the full year. Net premiums
totaled $11.3 billion, increasing 7% in 2019. Full-year premiums reflected adverse foreign currency effects of $179
million.
• In the fourth quarter, consolidated net premiums totaled $3.0 billion, up 6% from last year’s fourth quarter, with
adverse net foreign currency effects of $5 million. Excluding spread-based businesses and the value of associated
derivatives, investment income increased 10% versus a year ago, attributable to asset growth of 8% and higher variable
investment income. The average investment yield, excluding spread business, was up 11 basis points from the fourth
quarter of 2018 to 4.55%, primarily due to higher variable investment income.
• The effective tax rate this quarter was 23.8% on pre-tax income. For the full year, the effective tax rate was 23.1% on
pre-tax income. The effective tax rate was 23.1% on pre-tax adjusted operating income for the quarter. For the full year,
the effective tax rate was 22.4% on pre-tax adjusted operating income, in line with the expected range of 21% to 24%.
President and Chief Executive Officer, commented, “Our operating results were modestly below our expectations
this quarter, while the full-year results were above our expectations. We can point to strong organic growth and
active capital deployment as favorable indicators of the strength of our business, and we continue to benefit from
the earnings diversity that comes from our global platform.In the quarter, we produced strong overall results in
EMEA, excellent results from Financial Solutions across all geographies, and the U.S. Group business performed
above expectations. These areas of strength partially offset a loss in Australia and unfavorable U.S. Individual
Mortality experience.We had an active quarter as we deployed approximately $78 million of capital into in-force
and other transactions, bringing the year-to-date total to $465 million. We remain well positioned and optimistic
about the environment and our pipeline. We ended the quarter with an excess capital position of approximately
$900 million.The full year featured numerous highlights, including excellent Financial Solutions results across all
geographies, strong overall results in EMEA and Canada, a strong rebound in our U.S. Group operations, vibrant
top-line growth and in-line adjusted operating income in Asia.Looking forward, we remain optimistic about the
future and our business prospects, as RGA is well positioned in its markets and we are executing on our proven
strategy. We have a long track record of successful execution and strong financial results, and our
intermediate-term financial outlook remains unchanged.”
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W. R. Berkley Corporation (USA) Reports Fourth Quarter and Full Year Re-
sults
Full year highlights included:
• Return on equity of 12.5%.
• Total capital returned to shareholders was $326 million, including $308 million of ordinary
and special dividends and $18 million of share repurchases.
• Before dividends and share repurchases, book value per share grew 17.3%.
Fourth quarter highlights included:
• Gross and net premiums written increased 10.1% and 9.3%, respectively.
• Average rate increases excluding workers' compensation were approximately 9%.
• Underwriting income increased 71.1% to $114.7 million.
• The accident year combined ratio excluding catastrophe losses was 92.3%. The reported
calendar year combined ratio was 93.3%, which is inclusive of 1.2 loss ratio points from
catastrophes.
• Total capital returned to shareholders was $176 million, including $158 million of ordinary
and special dividends and $18 million of share repurchases.
The Company commented: “We were pleased to see further compelling evidence of an
improving market in the fourth quarter of 2019. Rate increases accelerated, which is the
natural progression in a hardening market, to approximately 9% excluding workers’
compensation. As rate increases remain robust, we expect continued opportunities to
grow the top line.Our objective remains the creation of book value for our shareholders
through an appropriate risk-adjusted return on equity. We focus on our investment
portfolio’s total return and consciously accept a degree of variability in our alternative
investment performance. Although the fourth quarter was challenging for our alternative
investments, it is our belief that they will continue to produce above-average long-term
returns and remain a core part of our investment strategy.Our book value per share grew
at a rate of 17.3% for the full year, before the return of over $326 million to shareholders
through special and ordinary dividends and share repurchases.We believe the market is
at a point where those companies that have appropriately managed their businesses
through the cycle will be able to grow meaningfully in this improving pricing
environment. As we look to 2020, we are confident that our Company is well positioned
to continue to deliver superior value to our shareholders.”
19

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AXA XL (Bermuda) completes merger of XL Insurance Company SE with AXA
Corporate Solutions and AXAART
AXA XL announced it has successfully merged AXA Corporate Solutions
(ACS) and AXA ART into XL Insurance Company SE (XLICSE). The
Merger, which was approved by the relevant regulatory authorities
including the Central Bank of Ireland and the Irish High Court, became
effective on 31 December 2019. The decision to merge ACS and AXAART
into XLICSE was taken following the acquisition of XL Group Ltd by
AXA, which was completed in September 2018. XLICSE is a wholly
owned subsidiary within the AXA XL division of AXA Group, providing
insurance within Europe and Asia and operating through an international
network of branches, subsidiaries and third-party partners. On the 31
December 2019 XLICSE assumed the entire business of ACS and AXA
ART and became the insurer or reinsurer of each policy previously
underwritten. There will be no other changes to the terms of existing
policies.
Commenting on the announcement, AXA XL’s Chief Executive Officer,
said: “We are extremely pleased to have completed this merger.
Consolidating our legal entities across. AXA XL allows us to streamline
our processes to the benefit of our clients and brokers. I am proud of the
AXA XL team for their dedication and the work undertaken in the last
year, which has led to the successful establishment and unification of
AXA XL.”
Description
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Insurance Industry

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AIG (USA) Launches New AllianceBernstein Multi-Asset Index Designed
Exclusively for AIG Index Annuities
21
Solution Description
AIG Life & Retirement, a division of American International Group, Inc. and a leading provider of annuities, announced the launch of the new AB All Market
Index. This multi-asset index has been developed exclusively for AIG’s Power Select Index Annuities by AllianceBernstein (AB) and will be distributed
primarily through Market Synergy Group (MSG). The AB All Market Index may help consumers in changing markets by balancing growth equity and
defensive fixed income assets. Like all indexes in an index annuity, the AB All Market Index is not available for direct investment, but its performance is
used to help determine the interest earned in the annuity. The AB All Market Index seeks to stabilize returns through a systematic allocation process based
on risk and momentum. First, a strategic allocation is constructed, balancing risk equally among the Index’s growth and defensive assets worldwide. The
Index then uses a proprietary momentum strategy to dynamically adjust exposures, overweighting assets that are trending up and underweighting those with
poor performance. The Index’s unique approach blends three different momentum signals to better capture the movement of assets.In addition to the AB All
Market Index, AIG has introduced a new enhanced income benefit in its Power Select Plus Income® Index Annuity. Also known as a confinement rider, this
enhancement allows consumers to receive up to 200% of their maximum annual withdrawal amount if they are confined to a qualified facility, such as a
nursing home, for at least 90 days. The new confinement rider is automatically included with all guaranteed living benefit riders for no additional fee and can
last for five years or until the depletion of the contract value, if sooner. The enhanced income has no negative impact on the riders’ benefits; however, other
restrictions and limitations apply.

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Chubb (Switzerland) launches unique Non Damage Terrorism Solutions
for businesses
22
Solution Description
Chubb has today launched a unique insurance solution aimed at bridging gaps in traditional terrorism business interruption policies.
Chubb's Non Damage Terrorism Solutions is a single policy offering non damage business interruption, plus employee and customer
care assistance as a result of a terrorism loss. In addition, this policy also provides event cancellation coverage following an act or
threat of terrorism and this aspect includes an extension for War. Conventional terrorism policies typically provide cover for physical
damage only and resultant business interruption. Chubb's Non Damage Terrorism Solutions has been developed in response to client
feedback and is designed to meet the needs of businesses which find their ability to trade impacted as a result of a terrorist incident,
even though there is no physical damage. For example, if the immediate area around their premises is made inaccessible for security
reasons. Chubb's Non Damage Terrorism Solutions is available to businesses of all sizes and in most locations around the world. The
policy is particularly aimed at retailers, hotels, financial institutions, entertainment and events sector, transport and infrastructure.

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Aflac (USA) Incorporated Marks 1st Appearance on 2020 Bloomberg
Gender-Equality Index
23
Aflac Incorporated announced that it is one of 325 companies across 50 industries included in the 2020 Bloomberg Gender-Equality Index (GEI). This is the first
year that Aflac participated in the survey to become part of this prestigious index. The GEI tracks the financial performance of public companies committed to
supporting gender equality through policy development, representation and transparency. The reference index measures gender equality across five pillars: female
leadership and talent pipeline, equal pay and gender pay parity, inclusive culture, sexual harassment policies and pro-women brand. This year, Bloomberg
expanded the eligibility for inclusion in the index to nearly 6,000 companies across 84 countries and regions.Aflac's workforce comprises 67% women, while the
list of Aflac's female senior leadership includes the company's U.S. President, General Counsel, Chief Accounting Officer, Chief ESG and Communications
Officer, Chief Services Officer, Senior Vice President, Brand and Creative Services and U.S. Chief Investment Officer. In addition, 33% of Aflac's senior
executives and managers and 31% of board members are women.Through disclosure of gender-related metrics using the GEI framework, the firms included in the
2020 GEI have provided a comprehensive look at their investment in workplace gender equality and the communities in which they operate. Aflac Incorporated
was included in this year's index for scoring at or above a global threshold established by Bloomberg to reflect a high level of disclosure and overall performance
across the framework's five pillars.Both the framework and the GEI are voluntary and have no associated costs. The GEI is a reference index and is not for use as
a financial benchmark. The index is not ranked. While all public companies are encouraged to disclose supplemental gender data for their company's investment
profile on the Bloomberg Terminal, those that have a market capitalization of $1 billion are eligible for inclusion in the index.
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Aflac (USA) Incorporated Appears on Fortune's List of World's Most
Admired Companies for 19th Time
24
Aflac Incorporated announced that it is included on Fortune's annual list of the World's Most Admired Companies for the 19th time. The company ranks No. 1
among its peers for innovation, compared to No. 7 in 2019, and ranks No. 2 overall in the Insurance: Life and Health Industry category, compared to No. 7 in 2019.
To determine the best-regarded companies in 52 industries, Fortune's partner Korn Ferry asked executives, directors and analysts to rate enterprises in their own
industry on nine criteria, from investment value and quality of management and products to social responsibility, innovation and ability to attract talent. A
company's score must rank in the top half of its industry survey to be listed.Aflac Incorporated ranks No. 2 in its industry for Long-Term Investment Value. Since
1990, when Dan Amos became CEO, Aflac Incorporated's stock has increased from 95 cents per share to today's current value, exceeding $52 per share. In his 30th
year, Amos is the second-longest tenured CEO in the Fortune 200, and during that period, the company's total shareholder return, including reinvested cash
dividends, has exceeded 8,913%. Aflac's high ranking for social responsibility (No. 3) reflects its diverse U.S. workforce that is 67% female and more than 40%
minority. In addition, Aflac Life Insurance Japan, with leadership that is composed of 30.7% women as of the end of 2019, surpassed its goal of attaining 30%
female leadership by the end of 2020. Since 1995, the company has also contributed more than $140 million to help families facing childhood cancer and other
blood disorders. As a recipient of the Ethisphere's World's Most Ethical Companies recognition for 13 consecutive years and a first-time member of Bloomberg's
Gender-Equality Index, Aflac Incorporated also boasts strong standards for ethics and governance. The company also ranked No. 3 in the Quality of
Products/Services and Use of Corporate Assets categories.
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Assurant (USA) Named a Best Place to Work for LGBTQ Equality for
Second Consecutive Year
25
Assurant, Inc., a leading global provider of housing and lifestyle solutions that support, protect and connect major consumer purchases, announced
that, for the second consecutive year, it received a score of 100 percent on the Human Rights Campaign (HRC) Foundation’s 2020 Corporate
Equality Index (CEI), the nation’s premier benchmarking survey and report measuring corporate policies and practices related to LGBTQ
workplace equality. The index is administered annually by the Human Rights Campaign Foundation, the educational arm of America's largest civil
rights organization working to achieve equality for lesbian, gay, bisexual transgender and queer people. Assurant’s efforts in satisfying all of CEI’s
criteria earned a 100 percent ranking and the designation as a Best Place to Work for LGBTQ Equality.The CEI rates companies and top law firms
on detailed criteria falling under five broad categories, including: 1) Non-discrimination policies; 2) Employment benefits; 3) Demonstrated
organizational competency and accountability around LGBTQ diversity and inclusion; 4) Public commitment to LGBTQ equality; and 5)
Responsible citizenship. Assurant is among the hundreds of companies that signed the CEO Action for Diversity and Inclusion pledge, an effort
led by CEOs committed to advancing diversity and inclusion in the workplace. Colberg was among the group of business leaders who signed the
Business Roundtable’s Statement on the Purpose of a Corporation.
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Forbes Names CNO Financial Group (USA) as One of the 2020 Best
Employers for Diversity
26
CNO Financial Group was recognized as one of the Best Employers for Diversity of 2020 by Forbes magazine. The accolade
recognized 500 companies throughout the nation with at least 1,000 employees.At CNO Financial, commitment to diversity is
championed by leaders across the organization. CNO's Diversity and Inclusion (D&I) Council fosters and encourages an inclusive
work environment and facilitates the formation of Business Resource Groups (BRGs). BRGs are company-sponsored, voluntary,
associate-led groups that serve as resources for members and the organization.CNO's BRGs drive the company's D&I initiatives,
focusing on mentorship and career development, recruitment, market research and business development, community outreach, and
D&I awareness and education. Since 2018, CNO has launched four BRGs: the Women's BRG, African American & Black BRG,
PRISM LGBTQ+ BRG, and Veterans & Families BRG.In partnership with Statista.com, Forbes surveyed 60,000 employees working
for companies employing at least 1,000 people in their U.S. operations. Respondents were asked questions regarding the topics of
age, gender equality, ethnicity, disability, LGBTQA+, and general diversity concerning their own employer. Statista also asked
respondents belonging to minority groups to nominate organizations other than their own.
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Generali (Italy) Among The Top 100 Sustainable Companies Worldwide
27
Generali ranked among the Corporate Knights’ “2020 Global 100 Most Sustainable Corporations”, the ranking of the world’s 100
most sustainable corporations. Now in its 16th edition, the Corporate Knights’ ranking is released after an assessment of 7,395
companies with more than US€ 1 billion in revenues. Among the “2020 Global 100” companies, 49 hail from Europe, 29 from U.S.A.
e Canada, 18 from Asia, 3 from South America and only one representative of the African continent. This recognition highlights the
evolution of Generali's sustainability journey, which is an integral part of the "Generali 2021" strategic plan. By 2021 Generali set the
goal of € 4.5 billion green and sustainable investments and 7-9% growth of gross written premiums in green and social products.
Moreover, in September 2019 Generali issued the first Green bond of the European insurance sector for an amount of € 750 million.
Regarding environmental direct impacts, in 2018 the Group chose electric energy from renewable sources for 88% of its total
purchased electric energy. Generali's commitment to sustainability is also attested by the numerous sustainability indices in which it
is included, such as: the Dow Jones Sustainability World Index, the Dow Jones Sustainability Europe Index, MSCI ESG Leaders
Indexes, FTSE4Good Europe and Euronext Vigeo Europe 120.
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Genworth (USA) Earns 100% Score on the 2020 Human Rights Cam-
paign Corporate Equality Index for Fourth Year
28
Genworth announced that it received a score of 100 percent on the Human Rights Campaign Foundation’s 2020 Corporate Equality Index (CEI), the
nation’s premier benchmarking survey and report measuring corporate policies and practices related to LGBTQ workplace equality. Genworth was one
of more than 680 major U.S. businesses that earned top marks this year. By satisfying all of the CEI’s criteria, Genworth also earned the designation as
a Best Place to Work for LGBTQ Equality.As part of its efforts to create a supportive environment for LGBTQ+ employees, Genworth, under the
leadership of Director of Diversity and Inclusion:
• Established inclusive policies and equivalent benefits for same sex couples
• Sponsors Pride VA, the largest LGBTQ+ fund raiser in Richmond, VA; Pride North Carolina; and Hill City Pride in Lynchburg, VA
• Offers non-gender-specific bathrooms
• Created an LGBTQ+ Employee Resource Group (PRIDE@Genworth.com), among other networking opportunities
• Hosts LGBTQ+ “Lunch and Learns,” speakers and seminars
• Trains staff on diversity and inclusion
• Speaks up for LGBTQ+ rights and flies Pride Flags on our campuses during Pride Month in VA.
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The Hartford (USA) Ranks No. 1 For Small Commercial Digital Capabilities
29
The Hartford ranked No. 1 for digital capabilities in Dynatrace’s Small Commercial Insurance Scorecard. The competitive benchmark study evaluated
the top 10 small commercial insurance brands across eight key areas. The Hartford led multiple categories including Functionality, Privacy and Security,
overall Ease of Use, as well as tasks associated with digitally viewing and managing a policy. The company also received high marks for its online and
mobile quoting capabilities.Based on 20 years of benchmarking financial institutions’digital offerings for small businesses and consumers, Dynatrace’s
Small Commercial Insurance Scorecard is an annual competitive evaluation that examines the digital capabilities that insurance companies provide to
small business policyholders and prospects. The Scorecard specifically evaluates the digital proficiencies of carriers supporting users of small business
insurance policy types such as BOP (Business Owners Policy), Property, Liability, Workers Compensation, and Commercial Auto insurance. Results
enable carriers to identify opportunities to deliver a best in class digital user experience to small business prospects and customers.The Hartford has
been insuring small business owners for more than 200 years and was one of the first carriers to create a dedicated business unit for small commercial
customers more than 30 years ago. The company, along with its agents, serves more than one million small business customers.The Hartford is a leader
in property and casualty insurance, group benefits and mutual funds. With more than 200 years of expertise, The Hartford is widely recognized for its
service excellence, sustainability practices, trust and integrity.
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The Hartford (USA) Named To 2020 Bloomberg Gender-Equality Index For
Fifth Consecutive Year
30
The Hartford announced that it is one of 325 companies across 50 industries included in the 2020 Bloomberg Gender-Equality Index
(GEI). This marks the fifth consecutive year The Hartford has been named to the index since its inauguration in 2016.To be considered
for the index, The Hartford voluntarily participated in a Bloomberg GEI survey that focused on the promotion of gender equality across
five key pillars: female leadership and talent pipeline, equal pay and gender pay parity, inclusive culture, sexual harassment policies, and
pro-women brand. Companies included in the 2020 GEI have provided a comprehensive look at their investment in workplace gender
equality and the communities in which they operate. The Hartford was included in this year’s index for scoring at or above a global
threshold established by Bloomberg to reflect a high level of disclosure and overall performance across the framework’s five pillars.The
Hartford is committed to fostering a diverse and inclusive workplace where people are respected for who they are, recognized for how
they contribute, and celebrated for what they can become. The company has focused investments in talent development initiatives related
to diversity and inclusion strategies, including leadership training, mentoring and the company’s nine employee resource groups, which
includes the Professional Women’s Network.
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The Hartford (USA) Named A Best Place To Work For LGBTQ Equality For
12th Year
31
The Hartford has received a perfect score of 100 percent on the 2020 Corporate Equality Index (CEI), a national benchmarking survey and report
on corporate policies and practices related to lesbian, gay, bisexual, transgender and queer (LGBTQ) workplace equality, administered by the
Human Rights Campaign Foundation. This marks the 12th year The Hartford has received this recognition.The company’s employees and leaders
are actively engaged in LGBTQ advocacy. This includes sponsoring and marching in local Pride Parades and participating in GLOBE (Gay,
Lesbian, Bisexual and Transgendered Organization Benefiting Everyone), the first of the company’s nine employee resource groups. GLOBE,
which was founded in 1996, champions the growth and development of its members by providing the company with a center of expertise for
LGBTQ awareness, networking and business practices.The 2020 CEI evaluates LGBTQ-related policies and practices including
non-discrimination workplace protections, domestic partner benefits, transgender-inclusive health care benefits, competency programs, and public
engagement with the LGBTQ community. The Hartford’s efforts in satisfying all of the CEI’s criteria results in a 100 percent ranking and the
designation as a Best Place to Work for LGBTQ Equality.The Human Rights Campaign Foundation is the educational arm of America's largest
civil rights organization working to achieve equality for lesbian, gay, bisexual transgender and queer people. HRC envisions a world where
LGBTQ people are embraced as full members of society at home, at work and in every community.
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The Hartford (USA) Ranks No. 1 Among Property-Casualty Insurers In
Forbes’ List Of America’s Best Employers For Diversity
32
The Hartford is the highest ranked property-casualty insurance company in Forbes’ annual list of America’s Best Employers for Diversity. The Hartford ranked 11th
overall in the list of 500 companies representing a broad array of industries nationwide.The Hartford is committed to fostering a diverse and inclusive workplace where
people are respected for who they are, recognized for how they contribute, and empowered to engage and collaborate at work. The company’s investments focus on talent
development initiatives that support diversity and inclusion strategies, including leadership training, mentoring and the company’s nine employee resource groups.
The Hartford has recently received additional accolades for its commitment to diversity and inclusion, including:
• Named to the 2020 Bloomberg Gender-Equality Index (GEI) for the fifth consecutive year. To be considered, The Hartford voluntarily participated in a Bloomberg GEI
survey that focused on the promotion of gender equality across five key pillars: female leadership and talent pipeline, equal pay and gender pay parity, inclusive culture,
sexual harassment policies, and pro-women brand;
• Achieved a 100 percent on the 2020 Corporate Equality Index (CEI), a national benchmarking survey and report on corporate policies and practices related to lesbian,
gay, bisexual, transgender and queer (LGBTQ) workplace equality, administered by the Human Rights Campaign Foundation. This was the 12th time The Hartford
received the CEI recognition.
• Recognized as a Best Company for Multicultural Women by Working Mother in 2019, which is a ranking of companies focused on helping women of color thrive in
the workplace.
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Poste Italiane climbs over 100 positions in the "Global 500" world ranking
and stands on the podium of Italian companies.
33
Poste Italiane, one of the world's best performing companies in terms of image and reputation for the second consecutive year, climbing over 100 positions in the last year rose
from 161 ° to 53 ° in the “Global 500” ranking elaborated by Brand Finance, conquering the maximum brand rating of AAA.The improvement in attention to the environment
and ESG (Environmental, Social, Governance) issues, the quality of communication, transparency and integrity, the marked improvement in the value for money indicator and
the brand financial performance, the latter supported by the improved profitability prospects (measured by loyalty, turnover, margins) are the components that have contributed
most to the increase in the BSI of Poste Italiane.The BSI indicator of Brand Finance, world leader in the economic evaluation of brands, measures the effectiveness of image
and reputation with respect to competitors and analyzes the management and direct and indirect investments that influence the brand, the image return and that economic in
relation to turnover.The excellence certified in the "Global 500" ranking confirms the objectives and targets recently achieved by Poste Italiane, which has entered the ranks of
European companies that have best managed to combine governance models and business policies with the commitment to sustainability. Poste Italiane has in fact recently
entered the global sustainability benchmarks, starting with FTSE4GOOD Developed and FTSE4GOOD Europe, as well as in the Euronext Vigeo-Eiris World 120, in the Dow
Jones Sustainability Index World and in the more selective Dow Jones Sustainability Index Europe.Poste Italiane has also signed the United Nations Global Compact (UNGC),
the United Nations global pact, which encourages companies to actively promote the principles of ethical conduct and responsible business made up of companies from 160
countries.The company reached sixth place in the general ranking of the Integrated Governance Index (IGI) and came in fifth place in the special category dedicated to human
resources in the survey conducted by ETicaNews and Top Legal which measures the degree of integration of the issues ESG (Environmental, Social, Governance) in corporate
strategies.
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Poste Italiane included in the "Industry Mover" of the RobecoSAM
Sustainability Yearbook 2020
34
Poste Italiane ranks among the best companies in terms of sustainability performance within the Sustainability Yearbook 2020, the Sustainability Yearbook published by S&P
Global in collaboration with the rating company ESG RobecoSAM, which assesses the sustainability performance of the main companies globally. A prestigious result obtained
in light of the entry of Poste Italiane into the prestigious families of Dow Jones, Dow Jones Sustainability Index Europe and Dow Jones Sustainability Index World. In the 2020
Sustainability Yearbook, Poste Italiane wins a place among the top ten performing companies in the insurance sector worldwide and is awarded the "Industry Mover" for having
obtained the best score variation on the previous year compared to the selected sector peers, resulting in in addition, the only company to have obtained this recognition within
the "Insurance" sector. The entry into the Sustainability Yearbook 2020, and the further recognition of RobecoSAM as "Industry Mover", within the insurance sector, crown the
path of integration of sustainability in the Italian Post Office, which, starting from the entry into the up to the recent entry into the Bloomberg Gender Equality Index,
FTSE4Good, Euronext Vigeo-Eiris 120 indexes, Dow Jones is increasingly oriented towards improving its sustainability performance with the aim of becoming a reference for
all Italian companies on the issues ESG, and to represent an example of best practice globally. The Sustainability Yearbook provides a representation of the most effective
companies in the world in relation to the peer-to-peer sustainability performance of the sector defined on the basis of the score obtained by the Corporate Sustainability
Assessment, the evaluation questionnaire elaborated by RobecoSAM and elaborated on the basis of specific ESG metrics (Environmental, Social & Governance) which defines
the possible entry into the categories of Dow Jones indices. Launched this year with the S&P Global brand, the Sustainability Yearbook represents one of the main sources at a
global level to access insights on corporate sustainability. The 2020 Sustainability Yearbook includes information on the sustainability performance of over 4,700 companies
operating in 61 sectors.
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Poste Italiane among the best European companies by gender equality
35
Poste Italiane is among the European companies that boast a higher score than the Gender diversity index (GDI) among the major Groups in the Stoxx Europe
600 price list. The new recognition, which places the group led by CEO Matteo Del Fante and chaired by Maria Bianca Farina in the first places in Europe
for the presence of women in positions of responsibility, came from the analysis by the organization "European Women on Boards" (Ewob), according to
which Poste Italiane, with a GDI of 0.69 (the indicator has a range between 0 and 1), exceeds the European average (0.53) and conquers the ninety-eighth
position with a female presence of 44% on the Board of Directors, 34% in a leading position and 22% with executive functions. Ewob research shows that
in Europe the presidency of the Groups is entrusted to women only in 7% of cases and confirms the weight and role assumed by women in the Italian Post
Office at all levels, evidenced by a presence equal to 55% of the workforce overall (69,000 units), and the fact that 59% of the more than 12,800 Post Offices
are entrusted to the guidance of a woman. The excellence certified by the GDI score also confirms the objectives and targets recently achieved by Poste
Italiane, which has entered the ranks of the most advanced and advanced European companies, which have best managed to combine governance models
with a commitment to sustainability. Poste Italiane has in fact recently entered the most important global sustainability indices, starting with FTSE4GOOD
Developed and FTSE4GOOD Europe, as well as in the Euronext Vigeo-Eiris World 120, in the Dow Jones Sustainability Index World and in the more
selective Dow Jones Sustainability Index Europe demonstrating a virtuous path in the integration of business policies with the principles of sustainability.
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Poste Italiane leader in gender equality admitted in the Bloomberg
Gender-Equality Index
36
Poste Italiane enters the Bloomberg Gender-Equality Index (GEI) 2020, the main index for measuring company performance on issues of gender equality and transparent
reporting of data and information relating to it. Established in 2018, the GEI is the main reference index for investors who require access to comparable, transparent and
comprehensive information on corporate performance linked to gender equality. The evaluation methodology used by Bloomberg makes use of a special measurement
framework that provides companies with a standard reporting method based on cross-cutting criteria, such as: company statistics, policies and benefits for employees,
offers of gender-sensitive products and services and community support. The information made available by companies on gender equality, included in GEI 2020,
provides a complete overview of their commitment to support women in the workplace, along the supply chain and in the communities in which companies operate. With
this in mind, the transparency and quality of the information published by Poste Italiane annually was awarded. As evidenced by the information contained in the first
Integrated Report published in 2018, the Company undertakes to periodically monitor its performance in relation to gender equality and to report it through specific
performance indicators within the corporate public documents.Entry into the GEI is added to the recent recognition obtained by the "European Women on Boards"
(Ewob) which awarded Poste Italiane one of the highest scores of the gender diversity index, the "Gender Diversity Index". "(GDI) among the main companies belonging
to the Stoxx Europe 600 index.Access to GEI 2020 also follows the recent admission of Poste Italiane to the main sustainability indexes FTSE4Good, Euronext
Vigeo-Eiris 120 and the prestigious index family of the Dow Jones Sustainability Index. These awards outline more and more clearly how the sustainability path taken
by the company is rapidly integrating itself into the culture and organizational processes, making it an integral and constantly expanding component.
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Unum (USA) named a best place to work for LGBTQ equality
37
For the third year in a row, Unum received a 100 percent score on the Human Rights Campaign’s Corporate Equality index (CEI). This
is the largest national benchmarking tool that measures corporate policies and practices for lesbian, gay, bisexual, transgender and queer
employees. Companies are ranked based on non-discrimination workplace protections, domestic partner benefits, transgender-inclusive
health care benefits, competency programs and public engagement in the LGBTQ community.
• Unum resources for LGBTQ+ workers include:
• Domestic partner benefits for same-sex couples.
• Health care coverage for procedures related to gender transition.
• Equal opportunity employment and anti-harassment policies.
• Employee Resource Group focused on company-wide education and advocacy.
• Guidance for LGBTQ+ employees in their growth, development and wellbeing.
• Best practices on how to be allies for LGBTQ+ coworkers.
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Willis Towers Watson (UK) earns top marks in 2020 Corporate Equality
Index
38
Willis Towers Watson, a leading global advisory, broking and solutions company, announced that it received a score of 100% on the Human Rights
Campaign Foundation's 2020 Corporate Equality Index (CEI), the nation's premier benchmarking survey and report measuring corporate policies
and practices related to LGBT+ workplace equality. Willis Towers Watson joins the ranks of more than 680 major U.S. businesses that also earned
top marks this year.The results of this year's CEI showcase how 1,059 U.S.-based companies are not only promoting LGBT+-friendly workplace
policies in the U.S. but helping to advance the cause of LGBT+ inclusion in workplaces abroad. Willis Towers Watson's efforts in satisfying all of
the CEI's criteria earned a 100% ranking and the designation as a Best Place to Work for LGBT+ Equality.The CEI rates companies and top law
firms on detailed criteria falling under five broad categories:
• Non-discrimination policies
• Employment benefits
• Demonstrated organizational competency and accountability around LGBT+ inclusion and diversity
• Public commitment to LGBT+ equality
• Responsible citizenship
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CNO Financial Group (USA) Announces New Operating Model to Create a
More Customer-Centric Structure and Improve Financial Performance
39
CNO Financial Group, Inc. announced a new operating model that realigns the company from three operating business segments into two
divisions—Consumer and Worksite. The new structure will create a leaner, more integrated, customer-centric organization that better
positions CNO Financial for long-term success and shareholder value creation.Under the new structure, CNO will organize around two
business divisions that reflect the customers served by the company.The Consumer Division will serve individual consumers, engaging
with them on the phone, online, face-to-face with agents, or through a combination of sales channels. This structure unifies consumer
capabilities into a single division and integrates the strength of CNO's agent sales forces and industry-leading direct-to-consumer business
with proven experience in advertising, web/digital and call center support. The Worksite Division will focus on worksite and group sales
for businesses, associations, and other membership groups, interacting with customers at their place of employment. By creating a
dedicated Worksite Division, CNO will bring a sharper focus to this high-growth business while further capitalizing on the strength of its
recent Web Benefits Design acquisition.
Description

Customer Success Updates
IT Shades
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IAG (Australia) expands on-the-ground bushfire support for customers
across Australia
40
IAG, Australia’s largest general insurer, is urging customers in bushfire areas to contact them for support to lodge their claim, access emergency accommodation and financial assistance as soon as it is safe to do so.IAG
has set up claims teams to support customers in recovery centres across the country including Batemans Bay, Ulladulla, Wagga Wagga and Bega in NSW and the Adelaide Hills in SA. Claims teams were also available
at the Melbourne Convention and Exhibition Centre to support customers evacuated from Mallacoota.The company will also be using qualified tradespeople from the local areas impacted to support with the recovery,
ensuring customers’ homes can be efficiently assessed and repaired. This means IAG’s partner builders will source and use local trades and suppliers wherever possible, to get people back into their homes.
IAG community support
IAG has announced a range of additional measures to support employees, customers and the community including:
• Assessments and repairs: Our assessing and building teams have started assessments and make safe repairs where it’s safe to enter the impacted areas.
• Recovery centres: We have claims teams located at recovery centres in NSW, VIC and SA to help customers lodge claims, provide emergency accommodation and financial assistance.
• Major Event Rapid Response Vehicles (MERRVs): We will be deploying our MERRVs at sites around the NSW South Coast to give customers the ability to lodge their claim and receive emergency support at a location
convenient to them. These locations will be confirmed over the coming days.
• Extended call centre: We have extended our call centre capacity to help affected customers lodge their claims as soon as possible.
• Customer counselling: Our disaster response customer support program is available where customers can receive free and confidential counselling by a team of psychologists experienced in providing post-incident
support.
• Workplace giving: Any employee who donates to IAG partners including the Australian Red Cross, GIVIT and any organisation providing disaster relief will have their donation matched by IAG.
• Volunteering: IAG has introduced additional paid leave for employees who are emergency service volunteers, and extra counselling support.
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Partner Ecosystem

Partner Ecosystem Updates
IT Shades
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asr(Netherlands) and Van LanschotKempen enter into a cooperation
agreement for asr bank investment accounts
41
asr bank, part of ASR Nederland NV (asr), and Van LanschotKempen announce a cooperation agreement. This agreement offers the more
than 15,000 customers with an asr bank investment account the opportunity to switch to Evi van Lanschot (Evi) free of charge. This
cooperation is the final step for asr in completing and closing its banking activities.Asr's customers were informed on 8 January that asr
bank would terminate its investment services and on 15 January that they had the option of switching to Evi, the online investment
platform of Van LanschotKempen. From now on they have three months to do this. asr and Van LanschotKempen expect to realize the
collaboration in the first half of 2020. The total portfolio of investment accounts of asr bank has an amount of EUR 370 million in assets
under management (AuM). The amount of capital ultimately transferred to Van LanschotKempen depends on the choice made by
customers.As a wealth manager, Van LanschotKempen, with its brand names Van Lanschot, Evi and Kempen, is active in Private
Banking, Asset Management and Merchant Banking, with the aim of preserving and building up its clients' assets. Van LanschotKempen,
listed on Euronext Amsterdam, is the oldest independent financial institution in the Netherlands with a history dating back to 1737.
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Generali (Italy) Joins United Nations-Convened Net-Zero Asset Owner
Alliance
42
Generali joins the United Nations-convened Net-Zero Asset Owner Alliance, the group of 18 pension funds and insurers
committed to decarbonize their portfolios to net-zero emissions by 2050 to avoid a global temperature increase above the
1.5°C Paris target. This will not be attained through divestment, but rather the Alliance will work closely with portfolio
companies to change their business models, adopting climate friendly practices and ideally setting a net-zero target based.
The total assets managed by Alliance members are over US$4.3 trillion. The Alliance for 2020 will focus on three core
areas: advancing its measurement and public reporting; engaging with portfolio companies on a net-zero target; and
engaging policymakers towards policies supportive of net-zero economy ambitions.
Description

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Legal & General (UK) partners with Telegraph Spark to tackle some of
the biggest issues facing society
43
Telegraph Spark has launched a one-year content partnership planned and booked through Mindshare which will showcase how
Legal & General is responding both to business-wide challenges from customers and to calls from the wider public to boost the
economy and make society stronger.For this commercial campaign, Telegraph Spark has signed up 20 experts, opinion-formers and
innovators to be part of an action-based initiative titled The Power of Us. Names include Sir Tony Robinson, actor, comedian and
presenter; Jasmine Birtles, British TV personality, money expert and pensions writer; and Dr Martin Hyde, Associate Professor in
Gerontology, Swansea University.Together they will explore six key areas as part of this branded campaign, all of which have
sustainability and climate change at their core.Following the introduction of the six challenges through branded features in both the
paper and online, Telegraph Spark will reach out to innovators to come up with solutions at a very different experimental event. The
results will be presented to delegates at The Power of Us conference, made into a podcast and published as a branded supplement.
Description

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Legal & General (UK) partners with Edinburgh University to launch
£20M research centre
44
Increasing life expectancy is to be celebrated, but it poses major challenges for individuals, families and the public and private sectors. Legal &
General’s partnership with the University of Edinburgh aims to address these growing societal issues. Legal & General announces its long term
partnership with the University of Edinburgh to establish the Advanced Care Research Centre (“ACRC”), the first of its kind in the UK. ACRC will
offer a seven-year multi-disciplinary research programme designed to improve understanding of care in later life and to revolutionise how it is
delivered.ACRC’s vision is that its research can enable data-driven, personalised and affordable care that delivers independence, dignity and a high
quality of life for people living in their own homes or in supported care environments. The University of Edinburgh’s grant-funded, academic-led ACRC
programme will operate in the public interest, forming a major new strand in Legal & General’s drive towards Inclusive Capitalism.The ACRC will
work in partnership with other top tier universities to engage multiple public and private stakeholders, as well as individuals in later life, their families
and communities. The ACRC will also include an Academy that will develop a new generation of enterprise-oriented leaders in later life care through
a rigorous programme of cross-disciplinary research-based training. The partnership with Legal & General marks the University’s largest industry
investment, as part of the £661m Data-Driven Innovation initiative within the Edinburgh and South East Scotland City Region Deal.
Description

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Prisma Health renews partnership with Prudential (UK) to oversee $1.3B
in retirement assets
45
Prudential Retirement will continue its decade-long relationship with Prisma Health, South Carolina’s largest not-for-profit health organization serving more
than 1.2 million patients annually, as record keeper for its defined contribution retirement plans. Prudential Retirement is a business unit of Prudential
Financial, Inc.As of July 3, 2019, Prudential oversees $1.3 billion in retirement assets covering 18,000 employees. The contract supports Prudential’s strong
portfolio in the health care industry, where it currently oversees $23.2 billion in assets across 784 plans, helping more than 470,000 health care workers
achieve financial wellness.For Prisma Health, it was Prudential’s seasoned service team, including participant-focused on-site representatives, and
customized communications strategy that influenced their selection.Talent recruitment continues to be a significant challenge for health care organizations.
In fact, more than 90% of hospital executives expect a talent shortage to affect their hospital’s ability to deliver high-quality care within the next decade.1 As
the cost of medical school debt increases,2 health care organizations can attract more talent through customized benefits that will ease financial
stress.Prudential Retirement delivers retirement plan solutions for public, private, and nonprofit organizations. Services include defined contribution, defined
benefit and nonqualified deferred compensation record keeping, administrative services, investment management, comprehensive employee education and
communications, and trustee services, as well as a variety of products and strategies, including institutional investment and income products, pension risk
transfer solutions and structured settlement services.
Description

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Miscellaneous

Miscellaneous Updates
IT Shades
Engage & Enable
Pensioenfonds Work and (re) Integration joined the ASR (Netherlands)
Dutch Mobility Office Fund
46
Pension Fund Work and (re) Integration (PWRI) has joined as of January 2 as a participant in the ASR Dutch Mobility Office
Fund. The investment amounts to € 45 million. This brings the total externally placed capital of the office fund of asr real estate
to approximately € 250 million.With the entry of PWRI, the ASR Dutch Mobility Office Fund strengthens its investor base. PWRI
is the second Dutch pension fund of the office fund, alongside two Asian banks, an Italian insurer and asr. The Dutch team at
BMO Global Asset Management supervised the selection process and acts as fiduciary manager of PWRI. Lestrade Investment
Liaison has performed the Operational Due Diligence.The ASR Dutch Mobility Office Fund focuses on high-quality offices in
the immediate vicinity of mobility hubs in the five largest office markets (G5) in the Netherlands, such as large train and metro
stations and Schiphol. These locations combine excellent accessibility with a dynamic environment. Mobility nodes have a good
mix of public transport functions and local functions and a wide variety of facilities.
Description

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Engage & Enable
Generali (Italy) Launches The “Energy Hub”, A Space Devoted To
Employee Well-Being And Prevention
47
Generali launches the Energy Hub in the Generali Tower in the CityLife district of Milan, an innovative space dedicated to stimulating the physical and mental
energy of all employees and promoting a healthy and sustainable lifestyle. The Energy Hub was designed in line with Ministry of Health guidelines as part of a
preventive health approach. Within the hub, a team of medical professionals has developed a series of exercises and programmes aimed at stimulating the energy
of the people involved. Generali Group is working with Med-Ex, a company specialising in the promotion of prevention programmes through healthy lifestyles,
which for 25 years has been providing medical care and sports training for Ferrari racing team drivers. What’s more, the development of the Energy Hub leverages
the distinctive skills of the innovative platform of Welion, the integrated welfare company which, within Country Italia and the Generali Group, offers companies
health and well-being paths for employees and cutting-edge solutions in the field of corporate welfare. The launch of the Energy Hub is the latest stage in a true
welfare journey for Generali Group employees. Starting from the innovative and collaborative spaces that characterise the Hadid-designed tower, including a
cafeteria centred on the concept of wellness and a healthy balanced diet, the following have been launched: a smart working project which gives additional
flexibility in work-life balance management and an Energy Check-Up programme (a series of medical examinations aimed at assessing the person’s general state
of health and cardiovascular risk), for an improved lifestyle and personal and professional performance. The Energy Hub also enhances the Company’s role as
Lifetime Partner to its customers and employees, in line with the Generali 2021 three-year strategy.
Description

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Helvetia(Switzerland) places CHF 400 million hybrid-bond dual-tranche
48
Helvetia has successfully placed a CHF 400 million subordinated hybrid-bond dual tranche on the CHF capital
market through its subsidiary, Helvetia Swiss Insurance Company Ltd.Helvetia Swiss Insurance Company Ltd. in
St.Gallen issued a CHF 275 million perpetual subordinated hybrid-bond, first callable in August 2026. The bonds
bears a fixed coupon of 1.5 percent until its first optional call date. At the same time, Helvetia placed a CHF 125
million dated subordinated bond, which matures in 2040, carrying a coupon until its first optional call date in August
2030 of 1.45 percent.Credit Suisse, Deutsche Bank and UBS acted as joint lead managers to the transaction as well
as Raiffeisen Schweiz and ZürcherKantonalbank as co-managers.
Description

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IAG (Australia) finalises catastrophe reinsurance for calendar 2020 and
provides perils update
49
IAG has finalised its catastrophe reinsurance program for the 2020 calendar year, increasing its gross reinsurance protection to up to $10 billion
(2019: $9 billion). This has been placed to the extent of 67.5% to reflect IAG’s cumulative whole-of-account quota share arrangements.IAG
experienced relatively stable reinsurance rates during the renewal process, with the overall expense outcome in line with the associated assumption
in its FY20 reported margin guidance. The overall credit quality of the 2020 program is strong, with over 92% placed with entities rated A+ or
higher.The main features of IAG’s integrated catastrophe reinsurance program for calendar 2020, before consideration of quota share impacts, are:
• A main catastrophe cover for losses up to $10 billion, including one prepaid reinstatement;
• IAG retaining the first $250 million (2019: $250 million) of each loss;
• Three prepaid reinstatements secured for the lower layer ($250 million excess of $250 million) of the main program (2019: three);
• A second event drop-down cover reducing the cost of such an event to $200 million; and
• An aggregate sideways cover which provides protection of $425 million excess of $450 million. Qualifying events are capped at a maximum
contribution of $225 million excess of $25 million per event.
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NRMA Insurance helicopter helps NSW Rural Fire Service firefighting
efforts with deployment of new fire retardant
50
IAG's NRMA Insurance has assisted the NSW Rural Fire Service (RFS) over the weekend trialling a new biodegradable, non-toxic fire retardant via the NRMA
helicopter to help protect homes and properties in the line of fire.In an Australian first, the NRMA helicopter has sprayed Fire Limit fire retardant around properties
and community assets near Batemans Bay and Moruya to help protect these communities in advance of bushfires. Helicopters are more precise than fixed wing
aircraft as they can spray directly onto the four walls of a home or building.The trial is part of ongoing support over the past 18 months where NRMA Insurance
has partnered with the RFS to deploy the helicopter to help bushfire fighting efforts.The NRMA helicopter has flown for more than 40 days and clocked up more
than 300 hours since November 2019. The helicopter has dual capability, supporting firefighting efforts on the ground through fire retardant around Moruya and
Batemans Bay along with waterbombing on the NSW South Coast, at the Gospers Mountain fire, Turramurra and Cessnock.NRMA Insurance spokesperson Luke
Gallagher said the NRMA helicopter has and will continue to help the NSW RFS protect communities for the remainder of the bushfire season.The NRMA
Helicopter is trialling Fire Limit – a biodegradable, non-toxic fire retardant which can be used to attack a fire or protect property for up to two weeks after it’s
deployed.The trial is the first of its kind in Australia and is designed to provide the NSW RFS with a direct and timely way to help protect homes, buildings and
community infrastructure.NSW Rural Fire Service Chief Superintendent, Manager State Operations & Aviation Ben Millington said the NRMA Insurance
helicopter and Fire Limit trial gives them another line of defence to protect people and communities from fire.
Description

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Prudential (UK) to oversee $820M in retirement assets for California plan
51
Alameda County, an East Bay government plan client for nearly 29 years, has extended its contract with Prudential Retirement, a business unit of Prudential
Financial, Inc. Prudential oversees a combined $820 million in retirement assets for both 457(b) and 401(a) plans.As of Jan. 1, 2020, Prudential oversees $808
million in assets for Alameda County’s 457(b) plans and $13 million for its 401(a) plans, covering about 7,700 government workers. Henry C. Levy, CPA, CFE,
Treasurer-Tax Collector for Alameda County, credits Prudential’s financial wellness innovations, custom investment vehicle capabilities and participant
engagement service model as factors for extending the partnership.According to a Prudential Retirement survey,1 65% of public sector workers say they make the
financial decisions in their households, yet only 17% say they are very confident they won’t run out of money in retirement.Prudential Retirement delivers
retirement plan solutions for public, private, and nonprofit organizations. Services include defined contribution, defined benefit and nonqualified deferred
compensation record keeping, administrative services, investment management, comprehensive employee education and communications, and trustee services, as
well as a variety of products and strategies, including institutional investment and income products, pension risk transfer solutions and structured settlement
services.With more than 85 years of retirement experience, Prudential Retirement helps meet the needs of 4.4 million participants and annuitants. Prudential
Retirement has $477.5 billion in retirement account values as of Sept. 30, 2019. Retirement products and services are provided by The Prudential Insurance
Company of America (PICA), Newark, N.J., or its affiliates.
Description

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Event Updates
Insurance Industry

Event Updates
IT Shades
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Upcoming Events - Insurance
2020 WSIA Underwriting Summit
The 2020 WSIA Underwriting Summit will
be March 1-4 at the JW Marriott Desert
Springs Resort & Spa in Palm Desert, CA.
The Underwriting Summit offers:
Hosted By : WsiA
California, USA
01-04 Mar, 2020
https://www.wsia.org/wcm/Networking/Underwriting__Leadership_Summit/wcm/Networking/Leadership_18/Home.aspx?hkey=1a6fa81e-27ed-4e83-8480-6d092d5899eb
Combined Claims Conference (CCC)
The conference includes four separate educational tracks: Property,
Liability, Special Investigations Unit (SIU) and a bonus Emerging
Issues track. Our quality speakers address the most pressing topics
during the sessions. Included in your registration fee is admittance to all
conference functions and includes two continental breakfasts, two
luncheons and the Tuesday Night Premier Party!
Hosted By : Combined Claims Conference
Range County, USA
03-04 Mar, 2020
https://www.combinedclaims.com/
I-Day Los Angeles
The Los Angeles I-Day is a coming together of insurance
executives, brokers and agents representing the Los Angeles
area insurance community. This event offers industry
insights, interaction with both company & surplus lines
representatives. Over 75 Exhibitor booths which represent all
insurance related businesses, helping you gain the
competitive advantage in today’s marketplace.
Hosted By : I-DAY
Pasade, USA
11 Mar, 2020
https://iday.us/
2020 Reinsurance Symposium
The Symposium focuses on emerging issues of
interest to those working for primary insurers, as well
ad reinsurers. The event is open to everyone and
provides a great opportunity to meet others in the
insurance and reinsurance community.
Hosted By : CPCU Society
Philadelphia, USA
12-13 Mar, 2020
https://www.cpcusociety.org/CPCU/events/Reinsurance_Symposium.aspx
2020 WSIA Underwriting Summit
The 2020 WSIA Underwriting Summit will be
March 1-4 at the JW Marriott Desert Springs
Resort & Spa in Palm Desert, CA. The Under-
writing Summit offers:
Hosted By : WsiA
New Orleans, USA
15-18 Mar, 2020
https://www.wsia.org/wcm/Networking/Underwriting__Leadership_Summit/wcm/Networking/Leadership_18/Home.aspx?hkey=1a6fa81e-27ed-4e83-8480-6d092d5899eb
30th Annual MAIA Small Agency Conference
This annual conference, which began in 1990, is designed to meet the unique
education and networking needs of small to mid-sized agencies.
Consequently, these agencies come from both metropolitan areas as well as
small towns and rural areas. The conference includes a trade show with nearly
100 companies exhibiting, timely education programs, various opportunities
for networking, and much company involvement.
Hosted By : Moagent
Columbia, USA
26-27 Mar, 2020
https://www.moagent.org/Events/Pages/SmallAgency/default.aspx
52

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