Gen Re Research publications are another way we deliver underwriting expertise to clients. Gen Re's wealth of knowledge on various matters related to insurance and reinsurance issues is available to our clients on a global basis in several languages. Our aim is to deliver timely insights prepared by our specialists on topics that are most important to you. From mining risks to uninsured motorists to building contractors, we stay current with developments affecting the risks you write. Through our publications, we add to the ways we share that information with you.
Our research is prepared for and shared with the Gen Re client community. Some articles are generally available to all visitors while most research publications are for "clients only". Gen Re's clients can access our full research library and search capabilities through Gen Re Online, our Extranet. Clients can also obtain electronic and print copies of any individual publications by contacting us at . Our Publication Index provides a listing and summary of all research material, and is available on our home page. In addition to our publications in English, many are also available in Chinese, French, German, Italian, Japanese or Spanish as well; to see our recent publications across all languages, click here.
You can more obtain information about Gen Re Online and our publication library through your Gen Re account executive or by emailing us at .
Issue: November, 2008Language: English
Summary: This in-depth interview with Tad Montross, Chairman and Chief Executive Officer of General Re, is the cover article for the November 2008 issue of Reactions Magazine.
Issue: November, 2008Language: English
Authors:
Christoph Pohl,
Claudia Berhorst,
Ian Cox,
Silke Naumann,
Irene Ng
Summary: Gastrointestinal System - Stomach Disorders: Gastric and Duodenal Ulcer Disease / The ABC of Gastritis / Functional (Nonulcer) Dyspepsia / A Look Across the Fence - Underwriting in Singapore / An Exceptional Sport:
Speedflying / An Exceptional Occupational Profile: Freefall Photography / Certified Medical Underwriting Specialist (CII) - Graduation 2008 / Seminar Dates / Stomach Disorders - Case Examples
Issue: November, 2008Language: English
Summary: A brochure to hand out to clients in the early stages of a Program process. It briefly outlines the main features of a GPF Program.
Issue: November, 2008Language: English
Summary: This booklet focuses on key factors for a successful introduction of TI or TU in your company and an extract of a comprehensive study of telephone underwriting undertaken by Gen Re LifeHealth UK of our experiences and the outcomes of pilot studies.
Issue: November, 2008Language: English
Author:
John Gilbert
Summary: The paroxysm in the capital markets is a worldwide margin call that drew in all risk assets. It puts an end to the simplistic idea of full economic decoupling that was popular until recently. The markets have been violent, but the margin call is about spent and in the near term markets are likely to recover.
Issue: November, 2008Language: English
Summary: In this issue, we recap some key findings from evidence based underwriting research Gen Re has completed into multiple sclerosis.
Issue: November, 2008Language: English
Summary: News Summaries:
Belgium/EU - ECJ: There can still be discrimination even where there is no victim / France - Asbestos: Company ordered to make a payment of EUR 850,000 / United Kingdom/EU - ECJ: Parties other than the disabled person can complain of discrimination on grounds of disability / United Kingdom/Scotland - Scotland proposes a Bill creating a duty of compensation for pleural plaques / USA - Connecticut Supreme Court reduces asbestos compensation due to the contributory effect of smoking / USA - Tennessee Supreme Court confirms USD 13 million judgment against DaimlerChrysler / USA - EPA publishes proposal to regulate greenhouse gases / USA - 2008 Sunshine in Litigation Act is intended to provide protection against product hazards Article:
USA - Martin Ahlhaus and Prof. Dr. Thomas Klindt onProduct safety law ("New Consumer Product Safety Improvement Act of 2008", PHi 2008, 197)
Issue: October, 2008Language: English
Summary: Focused Value Equity Management is a controlled risk approach to equity value investing. This discipline seeks to outperform the S&P 500 Stock Index (and respective peer groups) with less volatility over full market cycles, through a controlled risk process. Portfolios are constructed with comparable relative P/E, P/BV, and dividend yield relative to the S&P 500 Stock Index.
Issue: October, 2008Language: English
Summary: In this article, we explore the difficulties in analysing and handling Child CI claims and look at how providers generally manage their risks via benefit design.
Issue: October, 2008Language: English
Authors:
Regina Dahm-Loraing,
Jutta Eich,
Giovanni Fanizza,
Sabine Fischer-Hamm,
Charlie Kingdollar,
Tad Montross,
Louis Rossouw,
Mathias Schubert,
Carlos Vairo,
Jürgen Warstat
Summary: Topics No. 16: TREND - "The wild card" / Insurance of People with HIV - Then and now / On Life Insurance for people with HIV: A perspective on Europe - with a focus on Germany / HIV/AIDS and insurance products - Past, present and future / Class actions in Europe - The latest developments / Reinsurance in Brazil - The awakening of a giant / Rx for Rx - Pharmacies and suppliers facing potential liability for imported and counterfeit medicines / The development of General Liability Insurance in Latin America / The telephone as an underwriting tool / The Environmental Liability Directive - A challenge for the insurance industry
Issue: October, 2008Language: English
Summary: The measures taken by the U.S. government will work to stem the financial crisis, because the U.S. can substitute its balance sheet and putatively infinite borrowing capacity for private balance sheets that are stressed. This remedy will not be available, at least on such attractive terms, forever.
Issue: October, 2008Language: English
Author:
Mindy Pollack
Summary: In this edition of Insurance Issues, we traverse the Mid-Atlantic states to highlight the emerging issues on our radar screen. New exposures are constantly emerging and retreating in all states. Some regions are more active than others. The Mid-Atlantic is one such region where we find numerous developments reshaping liability and insurance coverage. In this edition we highlight developments from New Jersey, Pennsylvania, Maryland and Delaware that affect personal and commercial insurers, including: Expanding Liquor Liability in New Jersey; Fleet Stacking and Personal Injury Coverage in Pennsylvania; Child Sex Abuse Litigation in Delaware; and Lead Paint Exposures in Maryland. This was sent via Xpedite on Monday, November 10 to GL, PU and CU clients.
Issue: October, 2008Language: English
Author:
Mindy Pollack
Summary: This edition of Casualty Matters reviews recent developments in the courtroom, economy or laboratory that may create new insurance exposures for liability underwriters. We discuss cases, lawsuits and trends of importance to many GL, BOP, CU, HO and/or PU insurers. Our research in this publication includes Business PursuitsThe blurring line between business and personal activities; Green ConstructionWill it lead to more defect claims?; Pollution ExclusionsA strong trend toward enforcing policy language and Emerging Issues UpdatesBisphenol-A, Nanotechnology, Cellphones and more.
Issue: September, 2008Language: English
Author:
Mindy Pollack
Summary: This marketing flyer discusses why companies should include EPL among their product offerings. The second side outlines the various ways in which Gen Re can help our clients write, sell and grow the line.
Issue: September, 2008Language: English
Author:
Mindy Pollack
Summary: This flyer describes Gen Re's three EPLI product options to assist clients in determining the EPLI product plan best suited to their market, their company and their growth goals.
Issue: September, 2008Language: English
Summary: From the Gen Re General Liability and Commercial Umbrella Teams**Available as a PDF only. Hard copies are not available.**
Issue: September, 2008Language: English
Summary: In this edition we have a wide range of articles from financial underwriting to income disability studies, from claims assessment and underwriting the elderly to comparing group pricing with baseball.
Issue: September, 2008Language: English
Summary: This publication series covers interesting court cases and other issues relevant for reinsurance contracts. The September 2008 issue analyses, inter alia, a possible duty of care of the leading reinsurer to the following market.
Issue: September, 2008Language: English
Authors:
Douglas Clark,
Mindy Pollack
Summary: This issue discusses the "do it yourself" risk for drafting unique policy language and considers some best practices used by some companies to reduce the risk. Also included is a reprinted article about Drafting Exclusions.
Issue: September, 2008Language: English
Author:
John Gilbert
Summary: The idea that global economic growth had become less integrated is now pretty well discredited. However, that does not mean that significant differences in growth rates will not persist as some countries have recessions while others, particularly in Asia, will continue to grow.
Issue: September, 2008Language: English
Authors:
Sue Johnson,
Deborah Nelson
Summary: Wind and thunderstorm losses in Midwest states have reached an unusually high level in 2008. Due to most of the events being smaller, frequency events, cat retentions on reinsurance programs have not often been breached, leaving companies with several smaller net losses impacting their results. This issue discusses 2008 Wind and Thunderstorm events in the Midwest and Gen Re's study of historical PCS loss data for the Midwest and how clients can better manage their loss experience through disciplined accumulation and product management.
Issue: September, 2008Language: English
Summary: Catastrophe modeling firms are responding to signals of climate changes and to the surrounding uncertainty. Cat models help insurers make important decisions about capital management, reinsurance purchases and their underwriting guidelines. This cover article, jointly written by Gen Re Intermediaries and Gen Re, addresses some of the near-term effects of climate uncertainty on property insurance risk management. Other articles in the publication include opportunities in EPLI and a spotlight on Gen Re's Special Acceptance Unit.
Issue: September, 2008Language: English
Summary: Gen Re publishes our research on the latest EPLI issues and trends. This index captures articles printed in Gen Re's two newsletters, EPLI Monitor and EPLI FYI, as well as in other Gen Re newsletters, sorted by topic.
Issue: September, 2008Language: English
Summary: This flyer recaps emerging issues research publications produced in North America through August 2008. A small summary about each publication is included.
Issue: September, 2008Language: English
Summary: Important changes in Maryland property insurance coverage are highlighted in our latest edition of Property Matters. Maryland attorney Christopher Poverman discusses the Anderson decision and its impact on the state condo insurance market. Kim Hanke of Gen Re highlights 2008 legislative changes involving Additional Living Expense and Sewer Back-Up coverage in Maryland.
Issue: September, 2008Language: English
Authors:
Diane Brown,
Philip Clay
Summary: In this Gen Re Viewpoint,our Workers' Comp Team shares their thoughts on the challenges facing Workers' Compensation insurers, along with the views of industry groups and leaders on the health of this important product. The bottom line for 2007 was profit for most carriers in most states, but repeating that result for 2008 will take more diligence and discipline.
Issue: September, 2008Language: English
Summary: This brochure explains "the Gen Re Difference". It's a broad overview of Gen Re -- financial security and stability, a wide range of reinsurance solutions, direct and unfiltered communication, underwriting expertise, claims support and fast claims payments, and research and publications. We're here for the long term.
Issue: September, 2008Language: English
Author:
Richard Santer
Summary: Reinsurance is often complicated and nearly always critical to an insurer's finances. Moreover, the final cost/benefit is not known for some years. This has led to more sophisticated financial analyses, such as Dynamic Reinsurance Analysis (DRA), to improve reinsurance buying decisions. In this publication, Rich Santer and John Campbell explain what DRA is, how and when it's used, and the benefits.
Issue: August, 2008Language: English
Summary: In this publication, we profile heart attack cover in critical illness insurance contracts, how wording has evolved in the clinical setting, and illustrate the practical challenges of assessing these insurance claims with a case study.
Issue: August, 2008Language: English
Author:
Charlie Kingdollar
Summary: In this edition of Hazardous Times we examine the potential Personal Lines exposures arising from the residential oil and natural gas boom occurring in several regions across the country. Oil and natural gas exploration firms have begun approaching an increasing number of homeowners and farmers to obtain the rights to oil and natural gas that may sit beneath their property. Personal Lines carriers have begun to see an increasing number of insureds seeking advice and possibly coverage for third-party bodily injury, property damage and pollution claims arising from drilling operations on the insureds' land.
Issue: August, 2008Language: English
Author:
Mindy Pollack
Summary: This marketing flyer was created to help clients and agents sell EPLI. It gives seven common reasons why people do not buy the coverage with points to help insurers and agents overcome those objections. Claim examples are also included to highlight the exposures in all regions. Since our clients may want to distribute this flyer to their agents, this is one of our publications that we can allow for client customization.
Issue: August, 2008Language: English
Summary: This tri-fold brochure was created to promote Gen Re's Personal Umbrella line of business. The PDF attached is the "template" version of the brochure. Gen Re account executives can offer customization for clients, to help clients promote the line. The Gen Re account executive would work with MDS to do this. MDS will take the client's corporate logo, font and colors and change the design to match our client's look. With an email agreement of how the brochure will be used, MDS can either send the brochure's graphic files to our printer or one chosen by the client. Print costs are usually carried by the client, although the account executive may offer some assistance.
Issue: August, 2008Language: English
Author:
John Gilbert
Summary: There is seldom gain without pain. In investing money, reverses create opportunity, but it is often far from obvious at the time.
Issue: August, 2008Language: English
Authors:
Klaus Foerster,
Andreas Hammel,
Holger Pfaff,
Chris Ball
Summary: Does Stress Contribute to Disability? / Burnout / Disability Case Management of Mental Disease in Germany / Environment-related Physical Symptoms: Diagnosis, Differential Diagnosis and Expert Opinion
Issue: August, 2008Language: English
Summary: Gen Re led two workshops designed for senior claims managers. The participants examined a wide range of practical implementation, management issues and possible implications for the UK insurance industry, arising from the new Association of British Insurers (ABI) non-disclosure claims guidance. This article captures the main details of the discussions.
Issue: August, 2008Language: English
Author:
Günter Laux
Summary: This report shows losses > EURO 25 million market loss and when the German insurance market is involved.
Issue: August, 2008Language: English
Summary: From the Gen Re Property Per Risk and Catastrophe Team **Available as a PDF only. Hard copies are not available**
Issue: August, 2008Language: English
Author:
Charlie Kingdollar
Summary: Gen Re's Emerging Issues team employs a host of tools and sources to track emerging issues. Some of the things they do include reviewing international news looking for scientific or industry developments that can alter the exposures priced by our industry, and scanning legislative information looking for significant court rulings or proposals. Then they share their findings with clients via Gen Re publications. This flyer outlines some of the issues on their radar screen and recent publications.
Issue: August, 2008Language: English
Author:
Anthony Sammur
Summary: This brochure highlights Gen Re Intermediaries' resources and proprietary portfolio risk management tools that are custom-tailored to improve clients' cat risk management exposure. Gen Re Intermediaries is a reinsurance intermediary and risk advisory specializing in the understanding, quantification, structuring and transfer of risk.
Issue: July, 2008Language: English
Summary: Successful risk and capital management is crucial to entrepreneurial success in the insurance industry. Since the launch of our International Seminar on Risk Management in 2003 we have discussed a variety of risks and how they can be managed in a life insurance environment. In more and more countries these discussions now face their reality check: To comply with the latest regulatory requirements, insurance companies are confronted with the challenge of integrating and implementing the various risk management processes and measures in their daily business routines. We therefore dedicate the 6th International Seminar on Risk Management to Risk Management in Practice.
Issue: July, 2008Language: English
Summary: With the seminar on International Product Trends we would like to continue our successful series of product seminars. This year we have compiled a catalogue of the most topical and interesting product trends and developments around the globe.
Issue: July, 2008Language: English
Summary: There are three major strands to the review of the last quater (April - June 2008) papers with relevance to long term care insurance, which we discuss in this issue.
Issue: July, 2008Language: English
Summary: Gen Re's facultative non-proportional product is a tool to help our clients manage the volatility in their portfolio. This flyer discusses its benefits.
Issue: July, 2008Language: English
Summary: Focused Value Equity Management is a controlled risk approach to equity value investing. This discipline seeks to outperform the S&P 500 Stock Index (and respective peer groups) with less volatility over full market cycles, through a controlled risk process. Portfolios are constructed with comparable relative P/E, P/BV, and dividend yield relative to the S&P 500 Stock Index.
Issue: July, 2008Language: English
Authors:
Christoph Pohl,
Claudia Berhorst,
Ian Cox,
Rosa Keiko Imuro,
Silke Naumann
Summary: Gastrointestinal System - Bowel Disorders: Inammatory Bowel Disease (IBD) / Irritable Bowel Syndrome (IBS) / The Concept of "Scarless" Abdominal Surgery / A Look Across the Fence - Underwriting in Mexico / An Exceptional Sport: Chessboxing - Involving Brains and Brawn / An Exceptional Occupational Profile: Perfumer - In a Frenzy of the Senses / Certied Medical Underwriting Specialist (CII) / Bowel Disorders - Case Examples / Seminar Dates
Issue: July, 2008Language: English
Author:
John Gilbert
Summary: Financial stocks have been extraordinarily poor performers. Their weakness has been so severe that it cannot persist indefinitely. Stabilization is likely to accompany early signs of a bottoming process in the housing market.
Issue: July, 2008Language: English
Author:
Jim Bachman
Summary: "Value-at-Risk" (VAR) has been universally accepted as one metric of investment portfolio risk. In this General ReView, while caveating VAR's limitations, we present its application to property/casualty companies' 2006 and 2007 year-end investment portfolio holdings highlighting return/risk results among companies.
