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HCC Life Insurance Company Division General Overview

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					                                               HCC Life Insurance Company




A&H Division of HCC




A subsidiary of HCC Insurance Holdings, Inc.                         April 2012
HCC Overview


 •   Specialty insurer since 1974 (NYSE: HCC) headquartered
     in Houston, TX

 •   Non-correlated specialty lines of business underwritten in
     more than 180 countries

 •   Five segments: U.S. Property & Casualty, Professional Liability,
     Accident & Health, U.S. Surety & Credit and International

 •   Financial Strength Ratings of “AA (Very Strong)” by
     Standard & Poor’s, “AA (Very Strong)” by Fitch Ratings,
     “A1 (Good Security)” by Moody’s, and “A+ (Superior)” by
     A.M. Best Company

 •   Assets of $9.6 billion, shareholders’ equity of $3.3 billion and
     market capitalization of $2.9 billion as of December 31, 2011



             HCC Life Insurance Company                                 2
Segment Overview
($ in millions)

                                                           HCC

              U.S. Property &         Professional        Accident &        U.S. Surety &
                                                                                              International
                 Casualty               Liability           Health             Credit                           Total
2011 GWP:              $ 541               $ 563             $ 802               $ 226            $ 517         $ 2,649

2011 NWP:              $ 367               $ 412             $ 802               $ 209            $ 392         $ 2,182
Key Lines:        Aviation                U.S. D&O      Medical Stop-loss   Contract Surety       Energy
             Small Account E&O          International   ST Domestic and      Commercial       Property Treaty
                                            D&O           International         Surety
                Public Risk                                  Medical                             Liability
                                       Large Account                          Bail Bonds
                   Contingency              E&O         HMO Reinsurance                           Surety
                                                                                Credit
                    Disability           Fiduciary       Medical Excess                           Credit
                       Title              Fidelity                                            Property (D&F)
                    Mortgage          Bankers Blanket                                         Ocean Marine
                   Reinsurance             Bonds                                                   A&H
                  Residual Value           EPLI
                       EPLI
              Technical Property
             Primary and Excess
                  Casualty
             Brown Water Marine



                                                                                                                          3
                  HCC Life Insurance Company
Consistent Growth and Strong Underwriting
Performance
              Gross Written Premium ($ in millions)                                  Net Written Premium ($ in millions)
     $4,000                                                                 $4,000


     $3,000                     $2,499   $2,560   $2,579   $2,649           $3,000
                       $2,451
              $2,236                                                                                                                 $2,182
                                                                                              $1,986    $2,061    $2,046   $2,026
     $2,000                                                                 $2,000   $1,813


     $1,000                                                                 $1,000


         $0                                                                    $0
               2006     2007    2008     2009      2010    2011                      2006     2007      2008      2009      2010     2011

                                                       GAAP Underwriting Ratios

                                                                                      90.8%                                  94.7%
              83.5%             85.1%             84.0%             84.6%                                 85.6%

              23.9%             24.7%             24.3%             25.2%             25.0%               24.6%              35.5%


              59.6%             60.4%             59.7%             59.4%             65.8%               61.0%              59.2%


                                                                                                                                         1
              2007              2008              2009              2010               2011            5 year HCC          5 year peer
                                                                                                         average             average
                                                  Loss Ratio             Expense Ratio
1   Peer group defined as AFG, AGII, CB, MKL, NAVG, ORI, RLI, TRV and WRB. Five-year peer average calculated by HCC as simple mean using
    SEC filings for peer companies.


                                                                                                                                              4
                        HCC Life Insurance Company
Strong Underwriting Performance

                                                          Peer Group Comparison – 2011 Combined Ratios




                                          119 .9 % 12 0 .2 %                             119 .9 %
                                                                                                                          115 .8 %
                                                                                                                                  112 .8 %
                                                                                                                                                                               10 8 .3 %
                                                                                                    10 4 .7 % 10 4 .4 %                                             10 5 .1%
                                                                       10 1.9 %   10 2 .0 %                                                                                                        10 2 .6 %
                               9 5 .9 %                                                                                                                  9 6 .3 %                          9 8 .3 %
                    9 3 .4 %                                   9 5 .3 %
 9 0 .8 % 9 1.0 %

                                                                                                                                              7 8 .4 %




  GAAP     AY        GAAP       AY         GAAP     AY          GAAP     AY        GAAP       AY     GAAP     AY           GAAP     AY         GAAP        AY        GAAP       AY          GAAP     AY
     HCC                 AFG                   AGII                 CB                 MKL               NAVG                   ORI                 RLI                  TRV                    WRB

                                     Loss Ratio                                   Net Development                                            Expense Ratio

Note: Calculated by HCC using 12/31/11 SEC filings for peer companies.



                                                                                                                                                                                                               5
                                  HCC Life Insurance Company
Characteristics That Make HCC Unique

Consistent growth of shareholders’ equity through:

 •    Specialty businesses with strong long-term fundamentals and
      market leadership

 •    Underwriting culture with incentives based on underwriting profitability

 •    Diversified underwriting portfolio with historically low correlation

 •    Strong Enterprise Risk Management (ERM) rating

 •    Primary investment objective is capital preservation

 •    Disciplined balance sheet management and strong cash flow

 •    Broadly experienced management team



                                                                                 6
              HCC Life Insurance Company
HCC Life Insurance Company (HCC Life)

We have more than 34 years of experience.
HCC Life has one of the most qualified, dedicated teams in the
business. Our knowledge helps advance the success of our clients.


We earned some of the highest ratings in the
industry for financial strength:
•   A+ (Superior) by A.M. Best Company

•   AA (Very Strong) by Standard & Poor’s

•   AA (Very Strong) by Fitch Ratings

•   A1 (Good Security) by Moody’s


                                                                    7
             HCC Life Insurance Company
HCC Life Regional Offices




                                    Northeast Region
                                    Wakefield, MA

                                    Northwest Region
                                    Minnetonka, MN

                                    Southwest Region
                                    Dallas, TX

                                    Southeast Region
                                    Atlanta, GA
                                    Corporate Office

                                    West Region
                                    Scottsdale, AZ




                                                       8
       HCC Life Insurance Company
Average Years Experience


    35
                                          30.3
    30                                                            27.1
    25                                                22
                                 20.4
    20        19.0

    15
    10
     5
     0
          Underwriting        Marketing   Claims     Senior      Executive
                                                   Management   Management




                                                                             9
         HCC Life Insurance Company
Medical Stop Loss Insurance


What is it?
Medical stop loss insurance minimizes risk to a self-funded plan by helping
protect against losses from catastrophic claims.

•   HCC Life has been a leading carrier of medical stop loss insurance for
    more than 34 years.
•   Because we are a direct writer, we have greater flexibility with our
    contracts, underwriting and claims procedures.
•   HCC Life’s medical stop loss contract follows the group’s plan document
    as closely as possible with few exclusions.

Medical stop loss insurance from HCC Life helps give self-funded
employer groups peace of mind.




                                                                              10
               HCC Life Insurance Company
Advantages of Self-Funding


There are many advantages to self-funding.

1. Plan Control – Employer controls plan rather than an insurer.


2. Improved Cash Flow – Employer is no longer required to pre-pay coverage.
   Instead, payments are made as claims are incurred. Reserves are held by
   employer instead of insurer – maximizing cash flow.


3. Flexibility – Employer has flexibility in health plan design because ERISA
   applies in lieu of state-mandated minimum benefit levels.


4. Reduced Fees – Stop loss premium is typically lower than fees included in
   traditional insurance carriers’ premiums.


                                                                                11
             HCC Life Insurance Company
Advantages of Self-Funding

5. Better Predictability – By purchasing medical stop loss insurance to reduce
   exposure to losses due to catastrophic claims, employers have more
   predictability with their budgets.

6. Potential Cost Savings – If a self-funded employer has a better than expected
   claims experience, the employer keeps the savings. In a fully-insured program,
   the insurance carriers do not refund the excess profits to the employer.

7. Exemption from most state premium taxes – Self-funded organizations are
   not subject to state health insurance regulations because self-insured health
   plans are regulated through ERISA.

8. And Much More – Self-funded groups also have the ability to access claims
   data, conduct periodic claims audits and receive full credit for wellness and
   disease management programs.


                                                                                    12
             HCC Life Insurance Company
Self-Funding General Statistics

Major studies confirm the benefits of self-funding.

U.S. Department of Health & Human Services (HHS) and U.S.
Department of Labor (DOL) Results – March 31, 2011.*

      Workers at large employers average                                              Workers at large employers
       annual premium payments for                                                    average annual premium
              single coverage.                                                      payments for family coverage.
                                                                                                           $14,678
    $6,000                                                                    $15,000      $13,903
                                             $5,286
                     $5,001
    $5,000

    $4,000                                                                    $10,000

    $3,000

    $2,000                                                                     $5,000

    $1,000

        $0                                                                        $0
                  Self-Insured            Fully-Insured                                  Self-Insured    Fully-Insured


* Data analyzed from Form 5500 submissions for the plan years 2000 to 2008.


                                                                                                                         13
                     HCC Life Insurance Company
Self-Funding General Statistics


U.S. Department of Health & Human Services (HHS) and U.S.
Department of Labor (DOL) Results – March 31, 2011.*

            Premium Increases for large                                       Share of family coverage premiums
              plans from 2009 – 2010.                                                   paid by workers.

  $1,000                                                                  100%
                                            $808
                                                                              80%
    $750
                                                                              60%
    $500
                                                                                                        36%
                                                                              40%
                    $248                                                                26%
    $250
                                                                              20%

       $0                                                                     0%
                Self-Insured           Fully-Insured                                Self-Insured    Fully-Insured



Also, according to data compiled from Form 5500 filings, fully-insured firms have lower
operating income relative to debt than mixed-funded or self-funded firms.
* Data analyzed from Form 5500 submissions for the plan years 2000 to 2008.


                                                                                                                    14
                     HCC Life Insurance Company
Self-Funding General Statistics


Kaiser/HRET Survey of Employer-Sponsored Health Benefits - 2011

         Percentage of workers partially or fully covered by a self-insured plan.


             100%

              80%
                                                                 60%
                                        52%         55%
              60%
                            44%
              40%

              20%

                0%
                            1999        2003       2007          2011




                                                                                    15
           HCC Life Insurance Company
Self-Funding General Statistics


Kaiser/HRET Survey of Employer-Sponsored Health Benefits - 2011


       Self-funded organizations          Employees in self-funded plans that have
       with 50-4,999 employees                 medical stop loss protection


             14%
                                                      19%



                      86%                                      81%


     86% rely on medical stop loss         81% are in a plan where medical stop
    insurance for catastrophic risk.      loss limits the amount the plan spends
                                                     on each employee.



                                                                                     16
             HCC Life Insurance Company
HCC Life’s Value-Added Proposition

We do so much more than just provide medical stop loss insurance.
•   Value-Added Options
     –   Early Lock Down – Allows policyholder to lock-in up to 120 days prior to
         effective date.
     –   Split-Funded Aggregate – Allows policyholders with 200 or more
         employees transitioning from a fully-insured environment to purchase a
         110% claims aggregate corridor.
     –   Qualified Clinical Trials Endorsement – Reimburses for eligible phase
         II, III and IV cancer clinical trials.
     –   IRO Endorsement – Reimburses plan claim denials overturned by an IRO
         determination.
     –   Small Group – Provides organizations with 200 or fewer employees
         medical stop loss protection without any limitations or special quote
         submission requirements.
     –   Unique contract options for non-standard risks.

                                                                                    17
               HCC Life Insurance Company
HCC Life’s Value-Added Proposition

•   Value-Added Services
     –   Preliminary Claim Unit (PCU) – Ensures early case intervention through 50%
         notices, large case management reports and electronic pre-certs in order to help
         clients control costs for large, catastrophic claims.
     –   Specialty Claim Unit (SCU) – Helps clients directly control costs to the plan by
         assisting them with managing claims related to transplants and premature births.
     –   HCC Logix – On-staff nurses help plans identify opportunities to impact the cost
         of care.
     –   Mayo Clinic – Our “first-of-its kind” partnership with Mayo Clinic provides
         policyholders with access to transplant services with one of the premium
         healthcare providers in the world.
     –   Experience & Expertise – With one of the most qualified, dedicated teams in
         the marketplace, the HCC Life staff applies its industry knowledge to help
         advance the success of clients.
     –   Direct Contact with Key Personnel – Clients have direct access to decision-
         making personnel.


                                                                                            18
               HCC Life Insurance Company
PCU Savings



                                     Total net PCU savings to the plan.

                                                                          $9.77
                  $10
                                                     $7.42
                   $8
     millions




                                  $5.67
                   $6

                   $4

                   $2

                   $0
                                  2009               2010                 2011




                                                                                  19
                HCC Life Insurance Company
SCU Savings



                                     Total net SCU savings to the plan.


                  $20                                                     $18.77
                                  $17.07            $17.20

                  $15
     millions




                  $10

                   $5

                   $0
                                  2009               2010                 2011




                                                                                   20
                HCC Life Insurance Company
Medical Stop Loss Claims Statistics


              Average Claims Turnaround Times (Calendar Days)
            16
                                               13.2              14.0
            14                 13.2
            12
            10
                                      7.0               7.5
             8        6.5
             6
             4
             2
             0
                            2009            2010              2011



          Average calendar days to process complete claims
          Average calendar days to pay all claims, including incomplete claims




                                                                                 21
       HCC Life Insurance Company
Medical Stop Loss Underwriting Statistics



      Number of Accounts Received                 Average Turnaround Times (Days)
                        38,969
 40,000   35,863                       35,876   10.0

                                                 8.0
 30,000
                                                 6.0        5.0         5.0        5.0
 20,000
                                                 4.0

 10,000
                                                 2.0

     0                                           0.0
          2009           2010           2011               2009        2010        2011




                                                       Average turnaround time to quote
                                                           new business requests.




                                                                                          22
               HCC Life Insurance Company
Medical Stop Loss Policy Issuance Statistics


                     Average Turnaround Times (Calendar Days)
             16.0
             14.0            13.1

             12.0
             10.0                                          8.6
                                          7.9
              8.0
              6.0
              4.0
              2.0
              0.0
                             2009        2010             2011



              Average calendar days when policies were issued from
                   the day complete information was received.



                                                                     23
       HCC Life Insurance Company
Healthcare Risk Management (HCRM) Division


•   Almost 30 years of experience providing HMO and Medical Excess
    Reinsurance solutions to HMOs, carriers, captive arrangements and
    managing general underwriters (MGU) and health insurers

     – HMO Reinsurance – Reinsurance for licensed HMOs or entities assuming risk for:
               – Commercial members
               – Medicare
               – Medicaid


     – Medical Excess Reinsurance – Reinsurance for entities that offer:
               – Fully-insured group medical
               – Fully-insured individual medical
               – Medical stop loss
               – Captive protection




                                                                                        24
               HCC Life Insurance Company
Healthcare Risk Management (HCRM) Division


Product Overview

•   Specific Retention/Excess of Loss

•   Incurred Date of Service

•   Schedule of Insurance with a defined list of services defines eligible claims

•   Flexible retention levels by coverage type

•   Flexible calendar year maximums offered




                                                                                    25
              HCC Life Insurance Company
Healthcare Risk Management (HCRM) Division


Options available include:

•   Aggregating specific levels

•   Alternative funding arrangements including:
          −    Experience Refunds
          −    Risksharing Corridor

•   Various co-insurance levels

•   Continuation of coverage (insolvency)

•   Out-of-area conversion




                                                  26
              HCC Life Insurance Company
HCRM Value-Added Services

•   HCC Life Solutions – Provides innovative client-focused clinical and financial
    consultative resources.

•   Exceptional service and direct access to the professional and knowledgeable
    staff will help clients find solutions to their risk exposure and reinsurance needs.

•   Access to multiple transplant networks.

•   Comprehensive, strong contract with competitive pricing.

•   Advanced technology – A proprietary administrative and underwriting system
    that is integrated to provide real time analytics.




                                                                                           27
              HCC Life Insurance Company
HCRM Statistics

•   HCRM products are available in all states.
•   HCRM currently writes business in 31 states (represented in blue).




                                                                         28
              HCC Life Insurance Company
HCRM Statistics



               Close Ratio                                 Persistency

 20%                                         100%
                                                                         83%
                                             80%    68%
       12%                                                      62%
                       11%             11%
                                             60%
 10%
                                             40%

                                             20%

 0%                                           0%
       2009           2010            2011          2009        2010     2011




                                                                                29
              HCC Life Insurance Company
HCRM Statistics


                             Average Claims Turnaround Times
                                     (Calendar Days)
           25             23.0
                                           20.0
           20

           15
                                                           11.0
           10

            5

            0
                          2009             2010            2011



       Average calendar days to process complete claims



                                                                  30
       HCC Life Insurance Company
HCC Medical Insurance Services (HCCMIS)

Industry leader in individual and group major medical insurance, travel
medical and life insurance for the international market

•   Headquartered in Indianapolis, Indiana

•   Latin America/Caribbean headquarters are in Miami, Florida

•   Currently offers health insurance to customers in over 130 countries

•   In 2011, insured more than 130,000 international travelers
    and individuals living and working abroad




                                                                           31
              HCC Life Insurance Company
HCCMIS: Covered Countries




                                   32
      HCC Life Insurance Company
HCCMIS Key International Products

•   Atlas Travel – Individual travel medical insurance
•   Atlas Group – Group travel medical insurance
•   CitizenSecure® – Individual renewable major medical insurance
•   StudentSecure® – Study abroad medical insurance
•   GroupSecure® – International group health plan for companies with employees working abroad


                                               Policy Count
                 160,000                                        137,000
                 140,000                122,000
                 120,000
                 100,000
                  80,000
                  60,000
                  40,000
                  20,000
                       0                                                                         International products
                                                                                                 are underwritten by
                                        2010                        2011                         Lloyd’s, London.



                                                                                                                  33
                  HCC Life Insurance Company
HCCMIS Domestic

• Domestic Short Term Medical Plan underwritten and administered by HCC Life
• HCCMIS is the direct insurance agency for HCC Life short term medical policies
• A temporary health insurance plan designed for individuals in transition. Ideal for:
     – recent college graduates
     – new employees
     – individuals between jobs
     – early retirees
     – COBRA alternative
     – individuals returning to the U.S. after an extended assignment




                                                                                         34
              HCC Life Insurance Company
HCCMIS Short Term Medical Policy

HCCMIS offers STM Complete, a short term health
insurance plan through HCC Life Insurance Company.
                                                     Nearly 18,000 policies issued in 2011
•   Choice of deductible and coinsurance
•   Up to two million in medical coverage
•   Online purchase and electronic fulfillment
•   No network penalties




                                                                                             35
                  HCC Life Insurance Company
Why Choose HCCMIS?

•   Quality Products that remain some of the strongest in the international marketplace.
    HCCMIS prides itself on its reputation and is committed to continually broaden its portfolio
    of products


•   Experience & Expertise are assets as HCCMIS’s staff has years of industry
    experience and leadership that clients can rely on.


•   Exceptional Service and Support that is unrivaled in today’s market. HCCMIS
    delivers on its promise of outstanding service that adapts to the changing needs of its
    customers.


•   Innovative Technology is one of HCCMIS’s key assets as it leverages the power of
    the Internet to expand beyond physical boundaries and reaches potential clients around
    the globe.




                                                                                                   36
               HCC Life Insurance Company
                    Questions?



                                 37
HCC Life Insurance Company
                                                                      HCC Life Insurance Company




Appendix


                                                                                 HCC Offices
                                                             HCC Life Executive Management
                                               HCC Life Medical Stop Loss Regional Executives
                                                  HCC Life Medical Stop Loss Representatives
                                                             HCC Life HCRM Representatives
                                                                     HCCMIS Representatives




A subsidiary of HCC Insurance Holdings, Inc.                                                April 2012
HCC Offices – Property & Casualty

Company                                        Lines of Business
Avemco Insurance Company (AIC)                 •   Piston-powered General Aviation
411 Aviation Way, Suite 100                    •   Non-owned/Renters Aircraft
Frederick, MD 21701                            •   Private Business and Pleasure
(800) 638 8440                                 •   Experimental/Homebuilt Aircraft
Website: avemco.com                            •   Antiques, Seaplanes, Classics, Warbirds
                                               •   Life Insurance for Pilots
Contact: Lauretta Godbey                       •   Special Risks


Houston Casualty Company (HC)                  •   Accident & Health
13403 Northwest Freeway                        •   Aviation
Houston, TX 77040                              •   Directors’ & Officers’ Liability
(713) 462 1000                                 •   Errors & Omissions

Contact: Michael Schell




                                                                                             39
                  HCC Life Insurance Company
HCC Offices – Property & Casualty

Company                                          Lines of Business
Houston Casualty Company –                       •   Airport Liabilities
Aviation Division (HCC Aviation)                 •   Charter, Cargo, Aerial Photography
13403 Northwest Freeway                          •   Commercial Operations
Houston, TX 77040                                •   Corporate Aircraft
(713) 462 1000                                   •   International Aviation
                                                 •   Military, Government, Law Enforcement
Contact (Domestic): Chris Bonnett                •   Rotor Wing Aircraft
Contact (International): Chris Lewis             •   Special Risks


U.S. Specialty Insurance Company (USSIC)         •   Aerobatic Aircraft                 •   Errors & Omissions
13403 Northwest Freeway                          •   Air Racing                         •   General Aviation
Houston, TX 77040                                •   Air Show Cancellation              •   Occupational Accident
(713) 744 3700                                   •   Air Show Liability                 •   Premises and Hangarkeeper’s
                                                 •   Air Show Performers                    Liability
Contact (PEI and Transportation): Mary Hensley
                                                 •   Airport Liabilities                •   Private Business and Pleasure
                                                 •   Antique, Classic, Seaplanes,           Aircraft
USSIC Aviation Division
                                                     Experimental Aircraft, Warbirds    •   Professional Liability
16415 Addison Road, Suite 900
                                                 •   Aviation, Commercial Operations    •   Property and Casualty
Addison, TX 75001                                •   Aviation, Charter, Cargo, Aerial   •   Rotor Wing Aircraft
(972) 447 2000                                       Photography                        •   Special Risks
Contact (Aviation): Anthony Bacewicz             •   Contingent Contract Liability      •   Surety and Credit
                                                 •   Directors’ & Officers’ Liability   •   Workers’ Compensation
Website: hcc.com/ussic
                                                                                            Alternative



                                                                                                                        40
                   HCC Life Insurance Company
HCC Offices – Credit and Surety

Company                                        Lines of Business
HCC Surety Group                               • Commercial Bonds                 •   Energy, P&A Bonds
601 South Figueroa Street, Suite 1600          • Contract Bonds                   •   Energy, Performance Bonds
Los Angeles, CA 90017                          • Court Bonds                      •   Energy, Right-of-Way Bonds
(310) 649 0990                                 • Energy Industry Bonds            •   Game-of-Chance Bonds
                                               • Energy, Federal, State, Local    •   License and Permit Bonds
Website: hcc.com/surety
                                                 Bonds                            •   Public Official Bonds
                                               • Energy, OCS Mineral              •   Small Business
Contact: Michael Chalekson                       Lessees’ and Operators’              Administration Bond
                                                 Bonds                                Guarantee Program
HCC Credit Group (HCC Credit)                  • Confiscation, Expropriation, Nationalization Insurance
600 Lexington Avenue, 22nd Floor               • Contract Frustration Insurance
New York, NY 10022                             • Currency Inconvertibility Insurance
(212) 326 9393                                 • Political Risk Insurance
                                               • Pre-export Credit Insurance
                                               • Trade Credit Insurance (Bank Structured Trade Finance, Letter of
Contact: Brian Duffy
                                                 Credit, Medium Term, Short Term)
                                               • Wrongful Calling of Guarantee Insurance




                                                                                                                   41
                  HCC Life Insurance Company
HCC Offices – Life, Accident & Health

Company                                        Lines of Business
HCC Life Insurance Company (HCC Life)          •   Group Life and AD&D
225 TownPark Drive, Suite 145                  •   HMO Excess
Kennesaw, GA 30144                             •   Medical Stop Loss
(800) 447 0460                                 •   Medical Excess
Website: hcc.com/life                          •   Short Term Medical

Contact: David Grider




                                                                         42
                  HCC Life Insurance Company
HCC Offices – International Operations

Company                                          Lines of Business
HCC International Insurance Company PLC (HCCI)   • Accident & Health (Student      •   Medical Excess Coverage
Walsingham House                                   Accident, Travel Accident)      •   Occupational Accident
35 Seething Lane                                 • Energy (Onshore, Offshore)      •   Personal Accident
London, England EC3N 4AH                         • Errors & Omissions,             •   Personal Indemnity
                                                   Promotional Marketing Firms         Professional Sports
+44 (0) 20 7702 4700
                                                 • Film & Television (Key Person       Disability
Website: hcc.com/international
                                                   Death, Key Person Disability)   •   Property
                                                 • Group Personal Accident         •   Reinsurance, Life, Accident
Contact: Charlotte Dartford                      • High Income Disability              & Health
                                                   Coverage                        •   Short Term Medical
                                                 • International Medical           •   Sports, Entertainment &
                                                 • International Group Medical         Executives Accident
                                                 • International Student Medical   •   Surety & Credit
                                                 • International Travel Medical    •   Transportation Industry,
                                                 • Lloyd’s Market Marine Hull          Occupational Accident




                                                                                                                 43
                  HCC Life Insurance Company
HCC Offices – Underwriting Agencies

Company                                            Lines of Business
HCC Global Financial Products (HCC Global)         •   Directors’ & Officers’ Liability
8 Forest Park Drive                                •   Employment Practices Liability
Farmington, CT 06034                               •   Fiduciary Liability
(860) 674 1900                                     •   Professional Indemnity, Errors & Omissions
                                                   •   Fidelity Bonds
Website: hcc.com/global
                                                   •   Crime Coverage
Contact: Andy Stone
HCC Global Financial Products (HCC Global Intl.)   • Directors’ & Officers’ Liability (Not-For-Profit Organizations,
Torre Diagonal Mar                                   Private Companies, Public Companies)
Josep Pia, 2-10                                    • Employment Practices Liability
08019 Barcelona, Spain                             • Errors & Omissions
                                                   • Fidelity Bonds
+34 (93) 530 7300
                                                   • Crime Coverage
Website: hcc.com/global
                                                   • Fiduciary Liability
                                                   • Financial Institutions
Contact: Eleana Sanford                            • Professional Indemnity
HCC Indemnity Guaranty Agency (HCCIG)              •   Mortgage Guaranty Reinsurance
600 Lexington Avenue, 22nd Floor                   •   Residual Value Insurance
New York, NY 10022                                 •   Structured Insurance
(215) 751 8383                                     •   Title Reinsurance
Website: hcc.com/ig
Contact: Brad DeLamielleure



                                                                                                                       44
                 HCC Life Insurance Company
HCC Offices – Underwriting Agencies

Company                                        Lines of Business
HCC Medical Insurance Services, LLC (HCCMIS)   • International Accidental   • International Travel Medical
Capital Center - North Tower                     Death & Dismemberment      • London Market, Accident &
251 North Illinois Street, Suite 600           • International Group          Health
Indianapolis, IN 46204                           Medical                    • Short Term Medical
(800) 605 2282                                 • International Medical      • Student Accident
Website: hcc.com/mis                           • International Student
                                                 Medical
Contact: Andrew Bard                           • International Term Life


HCC Specialty                                  •   High Limit Disability    •   Special Event
401 Edgewater Place, Suite 400                 •   Professional Liability   •   DIC
Wakefield, MA 01880                            •   Public Entity            •   Promotion Protection
(781) 994 6000                                 •   Crisis Management        •   Weather Insurance
Website: hcc.com/specialty

Contact: Mark Barry




                                                                                                             45
                 HCC Life Insurance Company
HCC Offices – Underwriting Agencies

Company                                        Lines of Business
HCC Underwriting Agency Ltd. (HCCUA)           •   Lloyd’s Market, Contractor’s All Risks (U.K and Ireland)
Walsingham House - 35 Seething Lane            •   Lloyd’s Market, Employers’ Liability (U.K. and Ireland)
London, England EC3N 4AH                       •   Lloyd’s Market, Public and Products Liability
+44 (0) 20 7680 3000                           •   London Market, Sports Disability
Website: hcc.com/international/ual

Contact: Charlotte Dartford


Kenrick Corporation (Kenrick)                  •   County Fairs and Festivals
1700 Opdyke Court                              •   Municipalities
Auburn Hills, MI 48326                         •   Public Entity
(248) 371 3100                                 •   State and Local Government Entities
Website: kenrickcorp.com

Contact: Ann Cowan




                                                                                                              46
                  HCC Life Insurance Company
HCC Life Executive Management


Name                                                                 Email    Years Exp.

Craig Kelbel, President & CEO                         ckelbel@hcclife.com            35

Mark Sanderford, Executive Vice President & CFO   msanderford@hcclife.com            28

Dan Strusz, Executive Vice President                  dstrusz@hcclife.com            30

Larry Stewart, Senior Vice President & CUO            lstewart@hcclife.com           23

Suzi Johnson, Senior Vice President                 skjohnson@hcclife.com            38

David Grider, Senior Vice President                   dgrider@hcclife.com            23

Jay Ritchie, Senior Vice President                     jritchie@hcclife.com          19

Mike Lanza, Assistant Vice President – Claims         mlanza@hcclife.com             21


The HCC Life 8-person executive management team has 217 total
years experience, or an average of 27 years.


                                                                                           47
                HCC Life Insurance Company
Regional Executives


                                                                                                     Years
Name                                            Office Phone      Region                    Email     Exp.

Mike Lee, Senior Vice President                (800) 676 1771   Northeast       mlee@hcclife.com       31

Mike Holthaus, Senior Vice President           (877) 843 5743   Northwest   mholthaus@hcclife.com      23

Mike Remeika, Senior Vice President            (800) 447 0460   Southeast   mremeika@hcclife.com       23

Jeff Petty, Senior Vice President              (888) 941 9532   Southwest       jpetty@hcclife.com     18

Gary Hudgins, Regional Underwriting Manager    (877) 446 9042       West     ghudgins@hcclife.com      15



The five Regional Executives have a combined experience of
110 years with an average of 22 years of experience.




                                                                                                         48
                  HCC Life Insurance Company
HCC Life Stop Loss Representatives

                                                                                                                 Years
Name                                                        Region            Phone                     Email     Exp.

Gary Brown, Assistant Vice President - Marketing          Southeast    (314) 698 5329      gbrown@hcclife.com       8

Tim Campbell, Vice President - Marketing                  Northeast    (781) 716 4791    tcampbell@hcclife.com     18

Holgate Dean, Vice President - Marketing             Southwest/West    (714) 432 6572       hdean@hcclife.com      33

Val Flowers, Assistant Vice President - Marketing         Southeast    (770) 693 6491     vflowers@hcclife.com     26

Bob Hosler, Assistant Vice President - Marketing          Northwest    (317) 696 7896      rhosler@hcclife.com     28

Peter Johnson, Vice President – Marketing               Taft-Hartley   (763) 486 1014    pjohnson@hcclife.com      10

Shaun Johnson, Regional Marketing Representative          Southeast    (770) 693 6541   ssjohnson@hcclife.com       8

Todd Marcoux, Assistant Vice President - Marketing        Northeast    (781) 716 4866    tmarcoux@hcclife.com      20

Pam McGovern, Vice President - Marketing                  Northwest    (763) 486 1012   pmcgovern@hcclife.com      17

Jim Reagan, Assistant Vice President - Marketing         Southwest     (512) 263 8155      jreagan@hcclife.com     17

Nichole Sivigny, Regional Marketing Representative        Northwest    (763) 486 1034     nsivigny@hcclife.com     12




                                                                                                                   49
                   HCC Life Insurance Company
HCCMIS Marketing Contacts


Name                                                            Phone                   Email

Mark Carney, President & Chief Executive Officer         (317) 221-8001   mcarney@hccmis.com

Andrew Bard, Vice President of Sales                     (317) 221-8012     abard@hccmis.com

Bryant Tutterow, Assistant Vice President of Marketing   (317) 221-8037   btutterow@hccmis.com

Juan Mas, International Sales Director                   (317) 221-8019      jmas@hccmis.com

Mike Watts, Director of Short Term Medical Insurance     (317) 221-8016    mwatts@hccmis.com




                                                                                             50
                   HCC Life Insurance Company

				
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