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SO WHERE ARE WE TODAY ◘ Significant Price Increases ◘ Unacceptable Return on Investments ◘ Limited Access to Re-insurers ◘ Limited Competition in The Market ◘ Insured’s Searching for Alternatives
FACTORS THAT DRIVE COMMERCIAL INSURANCE CYCLES ◘ Available Capital ◘ Changes in Loss Trends ◘ Reserve Adequacy ◘ Shift in Investment Yields ◘ Available Capacity
THE IMMEDIATE FUTURE ◘ Continued Prime Pressure ◘ Adverse Loss Trends Without Tort Reform ◘ Limited Insurance Options PRIMARY SOLUTION ◘ Growth of “Alternative Risk Transfer Mechanisms”. ◘ The “ART” option has grown to “OVER” Fifty-Percent of the Insurance Market today.
	F. Darrell Lindsey U.S. State Licensed Agent/Broker U.S. Corporate Enterprise Risk Manager Consultant (ERM) U.S. State Approved Captive/RRG/Self Insured Manager U.S. Approved Self Funded Health & W.C. Plan Manager
		ARTNW – 200 – 01/11/2008	BACK – USE ARROW TO PRINT USE PRINT PREVIEW