I BYTES Insurance INDUSTRY

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I-Bytes
Insurance
October Edition 2020
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Table of Contents
1. Financial, M & A Updates...................................................................................................................................1
2. Solution Updates................................................................................................................................................12
3. Rewards and Recognition Updates..................................................................................................................23
4. Customer Success Updates...............................................................................................................................39
5. Partnership Ecosystem Updates.......................................................................................................................41
6. Environment & Social Updates........................................................................................................................52
7. Miscellaneous Updates.......................................................................................................................................64

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Financial, M & A
Updates Insurance Industry

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Financial, M&A Updates
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American Equity (USA) Confirms Receipt of Unsolicited Non-Binding
Acquisition Proposal
American Equity Investment Life Holding Company confirmed that it received an unsolicited non-binding proposal from
Athene Holding Ltd. with Massachusetts Mutual Life Insurance Company to acquire all outstanding common shares of
American Equity for $36.00 per share in cash. Consistent with its fiduciary responsibilities, American Equity’s Board of
Directors is carefully reviewing the unsolicited proposal in consultation with financial and legal advisors to determine the
course of action it believes is in the best interests of the Company and its shareholders and other stakeholders. American
Equity shareholders need take no action at this time.American Equity Investment Life Holding Company, through its
wholly-owned subsidiaries, is a leading issuer of fixed index annuities through independent agents, banks and
broker-dealers. American Equity Investment Life Holding Company, a New York Stock Exchange listed company, is
headquartered in West Des Moines, Iowa.
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American Financial Group, Inc. (USA) Announces Agreement to Sell Run-off
Lloyd’s-based Insurer, Neon
American Financial Group, Inc. announced that it has reached a definitive
agreement to sell GAI Holding Bermuda and its subsidiaries, comprising the
legal entities that own its Lloyd’s of London insurer, Neon, to RiverStone
Holdings Limited (“RiverStone”). Upon closing of the sale, AFG expects
release of all of its funds at Lloyd’s (FAL) including release of the letters of
credit and collateral pledge facility that AFG guarantees in support of Neon’s
FAL. This transaction will complete AFG’s exit from the Lloyd’s of London
insurance market. The transaction is expected to close in the fourth quarter of
2020, subject to customary conditions, including receipt of required regulatory
approvals. In accordance with generally accepted accounting principles, it is
expected that AFG will record the sale in the third quarter; the sale is not
expected to have a material impact on AFG’s ongoing results of operations.
TigerRisk Capital Markets & Advisory acted as exclusive financial advisor to
AFG.
Executive Commentary
AFG’s Co-Chief Executive Officer, stated: “The sale of Neon finalizes
AFG’s exit from the Lloyd’s market, following AFG’s decision to place
this business into run-off effective in the fourth quarter of 2019. The exit
allows us to provide continued focus on our other Specialty P&C
businesses and enables us to redeploy capital, increase earnings and
returns, and create long-term value for our shareholders.”
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Baloise (Switzerland) invests in start-up Houzy to expand its ‘Home’ ecosystem
Baloise is expanding its ‘Home’ ecosystem by investing in start-up
Houzy, a digital platform for homeowners. This adds a further dimension
to the ecosystem. The long-term equity investment in Houzy is the fourth
alliance announced for the ‘Home’ ecosystem this year, following on
from Keypoint, Batmaid and Immopass. The investment in start-up
Houzy represents another step in the implementation of Baloise’s Simply
Safe strategy. Headquartered in Zurich, Houzy is a technology platform
that enables owners of houses and apartments to manage every aspect of
their building digitally in one place. Houzy intelligently connects its
customers directly with the right partners, whether they are buying,
renovating, maintaining or selling their property. Partners pay a fixed
annual fee in order to be listed on the platform. Customers can use the
platform for free.
“Houzy fits perfectly with Simply Safe and with the ‘Home’
ecosystem that Baloise has defined as part of this strategy,” says CEO
and co-founder of Houzy. “Customers register with the platform free
of charge and can enter the key data for their property. Houzy then
provides regular property valuations and helps customers with the
forward planning and liquidity management that is required for
renovation and refurbishment. New services are being added to the
platform all the time. The most recent is the ‘plant manager’, an
online app that enables customers to find out how to look after their
houseplants properly”.
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Fairfax (Canada) Announces Acquisition of 1.75% Convertible Debentures of
BlackBerry Limited After Redemption of Existing Convertible Debentures
Fairfax Financial Holdings Limited announces that it has acquired, through its subsidiaries, ownership and control of $330,000,000 aggregate principal amount of 1.75%
unsecured subordinated convertible debentures maturing on November 13, 2023 (the “Debentures”) of BlackBerry Limited (“BlackBerry”) representing approximately 90%
of BlackBerry’s private placement (the “Private Placement”) of an aggregate principal amount of $365,000,000 of Debentures that closed. The Debentures are convertible
at the option of the holder into common shares of BlackBerry (“Common Shares”) at a price of $6.00 per Common Share and, therefore, the Debentures purchased by Fairfax’s
subsidiaries (the “Purchased Debentures”) are convertible into 55,000,000 Common Shares.Prior to the redemption thereof by BlackBerry (the “Redemption”), which
redemption was completed prior to the Private Placement, Fairfax held, through its subsidiaries, ownership of $500,000,000 aggregate principal amount of 3.75% unsecured
subordinated convertible debentures (the “Redeemed Debentures”) of BlackBerry maturing November 13, 2020. The Redeemed Debentures were convertible at the option
of the holder into Common Shares at a price of $10.00 per Common Share and, therefore, the Redeemed Debentures held by Fairfax’s subsidiaries (the “Fairfax Redeemed
Debentures”) were convertible into 50,000,000 Common Shares. Together with Common Shares already owned by Fairfax and its subsidiaries and assuming full conversion
of the Fairfax Redeemed Debentures, Fairfax would have beneficially owned 96,724,700 Common Shares representing, assuming all other Redeemed Debentures were
converted, approximately 15.7% of the total Common Shares outstanding or, if no other Redeemed Debentures were converted, approximately 16.0% of the total Common
Shares outstanding, each as of August 28, 2020. Had Fairfax not participated in the Private Placement, Fairfax would have beneficially owned, and exercised control or
direction over 46,724,700 Common Shares, representing approximately 8.4% of the Common Shares outstanding as of August 28, 2020, and no other securities of BlackBerry.
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Fidelity National Financial (USA) and F&G Announce the Signing of a Definitive
Agreement to Sell F&G Re to Aspida Holdings Ltd.
Fidelity National Financial, Inc. and F&G, a leading provider of annuities and life insurance,
announced that F&G has entered into a definitive agreement (the "Transaction") to sell F&G
Reinsurance Ltd to Aspida Holdings Ltd., an indirect subsidiary of Ares Management
Corporation. F&G Re, a Bermuda-based subsidiary of F&G with approximately $2 billion in
invested assets as of June 30, 2020, provides reinsurance solutions to third-party life and
annuity companies. The Transaction is consistent with F&G's strategic focus on its core
retail franchise and expanding presence in the bank and broker dealer channel. Proceeds
from the sale of F&G Re will be used for general corporate purposes, including funding
growth opportunities at F&G. In connection with the Transaction, F&G and Aspida (via
F&G Re) will enter into a flow reinsurance agreement with respect to F&G's MYGA
products on a coinsurance fund withheld basis. This reinsurance agreement is expected to
further enhance F&G's competitive positioning in new and existing channels. The closing of
the Transaction, which is expected to occur in the fourth quarter of 2020, is subject to
customary closing conditions, including regulatory approval. The financial terms of the deal
were not disclosed, but the Transaction is expected to have no material impact to FNF's
GAAP financial results.
"We are pleased to announce the sale of F&G Re, our third-party offshore reinsurance
platform," said President and CEO of F&G. "The Transaction represents a terrific
outcome for F&G Re, its clients and employees, and FNF shareholders. We look
forward to our partnership with Aspida in this important transaction."
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Genworth (USA) and Oceanwide Announce Significant Progress Toward
Acquisition Funding, Extend Merger Agreement
Genworth Financial, Inc. and China Oceanwide Holdings Group Co. Ltd (Oceanwide) announced that Oceanwide has
reached a general agreement with Hony Capital on the key commercial terms and conditions of its $1.8 billion offshore
financing plan to complete the acquisition of Genworth, and that Oceanwide has provided satisfactory information
regarding its funding plan for the portion of the funds being sourced from Mainland China. However, while Oceanwide
has made significant progress towards finalizing its financing plan for the proposed transaction, it has not reached a final
agreement with Hony Capital on all terms and conditions due to the logistical challenges presented by the global
pandemic, including travel restrictions and mandatory quarantine requirements. These challenges have significantly
lengthened the time required for Oceanwide and Hony Capital to hold in-person discussions to finalize these terms and
conditions. As a result of these delays, the parties also announced that they have agreed to a 16th waiver and agreement
of each party's right to terminate their previously announced merger agreement. The 16th waiver extends the previous
deadline of September 30, 2020 to no later than November 30, 2020. The duration of the extension was informed by both
Oceanwide and Genworth's expectation of further delays due to continued required travel and quarantine restrictions in
the near-term. It also takes into account the upcoming Chinese national holiday, Mid-Autumn Festival, which will take
place from October 1 through October 8. Negotiations between Oceanwide and Hony Capital will resume following this
holiday. Oceanwide has confirmed that Oceanwide's existing financing arrangement for debt funding of up to $1.8
billion through Hony Capital has been extended through December 31, 2020. The parties also agreed to an interim
checkpoint on October 31, 2020, by which time Oceanwide needs to provide Genworth with satisfactory evidence that
the necessary funding will be available to close the transaction by November 30. If Oceanwide does not deliver evidence
satisfactory to Genworth by October 31, Genworth will have the right, in its sole discretion, to terminate the merger
agreement on or after October 31, 2020.
"We have overcome many hurdles during the past four years, demonstrating time and again our unwavering
commitment to this transaction," said Chairman of Oceanwide. "The COVID-19 pandemic has presented a unique
set of challenges to deal-making that traditionally relies on face-to-face communications, which is why the
additional time is necessary to finalize these remaining steps. Despite these latest challenges, we remain committed
to securing financing for the transaction in order to close the transaction as soon as possible."
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Legal & General (UK) acquires second site in Hampshire for £100m retirement
community
Inspired Villages, Legal & General’s later living business, announces that it has expanded its
presence in Hampshire through the acquisition of a 10-acre site in Chandlers Ford, for the
delivery of a new retirement community. The site has been acquired with outline planning
permission to develop 151 new specialist age-appropriate homes, meeting strong local
demand.The new Chandlers Ford site will deliver high quality facilities, including a wellness
centre (comprising a fitness studio, gym and swimming pool), which will be available to local
qualifying residents on a membership basis. Works are expected to commence on site early next
year, creating 110 construction jobs per annum over a four year period, and 35+ permanent jobs
once complete – further boosting the local economy and regional growth; playing an important
role in a post-crisis economic bounce back.Chandlers Ford will mark Inspired Villages second
later living community in Hampshire, joining Bramshott Place near Liphook. The decision to
acquire another site in Hampshire was a response to the vast disparity between supply and
demand in the area for specialist housing. In 2017 it was estimated that there were over 41,000
over 65s in Hampshire, which is expected to rise to 91,600 by 2035 – an increase of over 200%.
The scheme will not only help to meet this local demand, but also create significant benefits for
Hampshire’s health and social care system, which has never been more important in light of the
strain on health and social care services caused by Covid-19.
“Acquiring a second site in Hampshire with outline planning permission highlights
Inspired’s ambitions and outstanding momentum, while also emphasising the growing
demand for specialist age-appropriate housing in the local area. I am proud of, and look
forward to seeing, the vast and significant socio-economic benefits that will come as a result
of our upcoming Chandlers Ford community. There is a need to provide a greater support to
our older people within society; Covid has shown us that ensuring the health and wellbeing
of our older people, whilst supporting our NHS and social care services, is
paramount.”Development Director at Inspired Villages
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Legal & General (UK) announces £81.5m forward funding of 346 home BTR tower
in Glasgow
LGIM Real Assets announces, on behalf of its Build to Rent (BTR) Fund, the
forward funding of an £81.5m mixed-use regeneration scheme in Candleriggs
Square, Glasgow. The scheme will deliver 346 BTR homes, 17 parking spaces
and c.12,800 sq ft of commercial space, helping to meet the city’s demand for
high-quality, flexible rental accommodation. LGIM Real Assets, which entered
the BTR sector in 2016, currently owns and operates 15 schemes in 11 UK cities,
including over 5,000 homes. Candleriggs Square will mark the Fund’s second
investment in Glasgow, last year having committed to the forward funding of a
324-home BTR scheme at neighbouring Buchanan Wharf, again using local
developer Drum Property Group to deliver the project. The 17-storey tower at
Candleriggs Square will comprise a mixture of studio, one-, two- and
three-bedroom properties, including six duplex penthouse apartments. Typical of
schemes within Legal & General’s BTR portfolio, the building will include a
dining space, gym, business lounge and games room. Commercial units included
within the scheme will all meet a BREEAM ‘Excellent’ rating.
Glasgow faces a significant undersupply of high-quality rental
accommodation and, within the coming decade, will see its population
increase as it continues to establish itself as one of the UK’s best cities to live
and work. The site is located in a prime location and, alongside Legal &
General’s Buchanan Wharf scheme, is the city’s only high-density build to
rent product.Through our BTR Fund we want to create the best possible
experience for renters, providing high-speed digital connectivity, dedicated
workspace and exercise facilities, all of which are essential in a post-covid
world.Head of BTR at LGIM Real Assets
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Prudential Private Capital (UK) invests $140M in the Dayton Power & Light
Company
Prudential Private Capital provided $140 million of first mortgage bond financing to the
Dayton Power & Light Company (“DP&L”), the wholly owned electric utility of parent
company, AES, funding with execution certainty during the COVID-19 global
pandemic. Prudential Private Capital is a leading source of private debt for public and
private companies and is the private capital arm of PGIM, the $1.4 trillion global
investment management businesses of Prudential Financial, Inc.Relationship highlights:
• DP&L – $140 million investment in first mortgage bonds (bilateral transaction).
• AES Southland – $175 million investment in 2017 for a repowering of two
Combined Cycle Gas Turbines plus two battery storage projects (lead institutional
investor).
• AES U.S. Wind Generation – $130 million fixed- and floating-rate capital
investments in 2016 refinancing a renewable portfolio of three operating wind projects
(bilateral transaction).
• AES Buffalo Gap – $105 million tax-equity investments in 2006 (agented
transactions).
• Ability to work bilaterally or through company appointed placement agents.
“We have been impressed by the Prudential Private Capital team’s support and
understanding of our regulated utility and contracted independent power producer
businesses and related capital needs. Their ability to swiftly move to a close within
three months of the initial discussion for DP&L was a testament to the strong
relationship we have built over the years, and their varied investments with us
illustrates their broad interest and expertise in traditional utilities and project
finance,” said Chief financial officer, AES United States.
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QBE’s Premiums4Good announces USD904 million in impact investments
QBE Insurance Group (QBE) has grown its Premiums4Good portfolio to USD904 million and is
on track to reach its impact investment allocation target of USD1 billion by 2021, according to
the 2019-2020 QBE Premiums4Good Investment Impact Report released. Premiums4Good is an
insurance industry first that sees QBE invest a portion of all customer premiums into investments
that have additional social or environmental benefits. Premiums4Good supports QBE’s belief
that it can deliver attractive risk-adjusted returns and business value, while also seeking to deliver
positive social and environmental impact and resilience for our communities.In alignment with
QBE’s wider commitment to addressing climate risk, Premiums4Good is also invested in
renewable energy projects and other initiatives around the globe that are designed to address the
physical and transition risks and opportunities of climate change.As at June 2020, QBE’s
USD904 million portfolio was invested across 66 investments including social impact bonds,
social bonds, green bonds and infrastructure - supporting a range of initiatives from renewable
energy and sustainable infrastructure, to social services and programs to support vulnerable
people and communities round the world. The Company targets growing its impact investment
allocation to USD2 billion by 2025.
QBE Group Chief Investment Officer said the Premiums4Good initiative has recently
supported the Company’s response to the COVID-19 pandemic.The disruption caused by the
COVID-19 pandemic highlights the importance of impact investment and sustainable
finance in rebuilding our economies and communities. It has made clear that systemic social
and health risks are economic and financial.Through Premiums4Good, we’ve been able to
invest in a number of global initiatives that are supporting vulnerable individuals and
communities hit hard by the health and economic impact of the virus. We’re funding
healthcare initiatives, microfinance opportunities for women and small business owners and
financial support for charities around the globe.Since March 2020, we have invested more
than USD40 million in initiatives that support private and public sector projects in countries
and communities most exposed to the economic and health effects of the COVID-19
pandemic.We’ve invested into a number of World Bank bonds and an International Finance
Corporation social bond that support vulnerable communities and help people gain access to
essential services, including healthcare and microfinance, as well as creating opportunities
for women and small business owners. Premiums4Good has recently also invested in a Ford
Foundation social bond that is providing support to charitable organisations globally that
have seen their funding diminish due to the COVID-19 pandemic.”
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Scor Life (France) & Health Ventures Invests In Human API
SCOR Life & Health Ventures has made a strategic follow-up investment in Human
API, a U.S.-based medical data solutions company that allows consumers to share
access to their electronic health records (EHR) through the country’s first national
consumer-controlled health data platform. This partnership supports SCOR Global
Life’s value proposition to make Life insurance more accessible and desirable, by
simplifying the medical underwriting process for the consumer. SCOR believes that
Human API’s platform will fundamentally change the existing medical underwriting
process for Life insurance mid-term. The platform was created by normalizing
unstructured data from thousands of fragmented health information systems in the
U.S. It gives people a free, simple, transparent and secure way to connect and share
health data with companies they trust. Human API has already helped many
stakeholders in the Life insurance industry to simplify the Life insurance purchase
process for consumers by enabling them to share their EHRs. This trend has been
accelerated by the current COVID-19 crisis. Given the disruption to conventional
underwriting requirements such as paramedical exams and attending physician
statements, the industry is proactively leveraging alternative data sources like EHRs.
“This strategic investment in Human API supports our efforts to make the
purchasing process easier and less invasive by using existing health data stored in
electronic health records” saidDeputy CEO of SCOR Global Life. “As part of the
“Quantum Leap” strategic plan, SCOR Global Life seeks to use data and
knowledge to help insurers put people at the center of the Life insurance
experience. We are actively helping our clients to build easy-to-buy products and
improve the health outcomes of their policyholders.”
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Solutions Updates
Insurance Industry

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Solution Updates
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Chubb (USA) Launches Chubb Studio(SM), Simplifying Digital Partner
Integration
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Solution Description
Chubb announced the launch of Chubb StudioSM, a new global platform that will simplify and streamline the distribution of the
company's insurance products through its partners' digital channels around the world. The platform enables Chubb's partners in retail,
e-commerce, banking, fintech, airline, telecommunications and other industries to add digital insurance options to their own product and
service offerings. Chubb Studio provides partner companies with digital access to Chubb's extensive range of consumer insurance
products, including personal accident, supplemental health and life, residential and contents, mobile phone and travel as well as small
business insurance, customer services and claims.The capabilities of Chubb Studio build on the success of the company's digital strategy
to forge distribution partnerships with leading brands globally. Even before the launch of Chubb Studio, the company had more than 150
distribution partnerships globally. Four partnerships announced in the last three years alone have given the company access to more than
60 million customers in Asia and Latin America. As digital ecosystems continue to define economic activity and blur the borders between
market sectors, insurance is a highly relevant product for nearly all B2C and B2B channels. Chubb Studio is helping the company to build
and participate in digital ecosystems that accelerate insurance adoption and improve the customer experience for its partners.

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CNO Financial Group (USA) Launches myHealthPolicy.com to Provide
Health Insurance to Consumers Nationwide
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CNO Financial Group, Inc. launched a new online health insurance marketplace, myHealthPolicy.com, initially focused on
helping Medicare beneficiaries learn about and enroll in Medicare Advantage and Prescription Drug plans. With the goal of
providing consumers with a convenient way to compare, buy or switch plans, myHealthPolicy.com offers the ease of online
enrollment with the personal assistance and one-on-one consultation of a local insurance agent.In addition to the launch of
myHealthPolicy.com, the company announced that award-winning journalist and former 'TODAY' host Meredith Vieira will
serve as the brand's official spokesperson. She will appear in a national, multi-channel campaign across TV, radio, out-of-home
media, print, social, and digital advertising beginning this month.The Medicare Annual Election Period runs October 15 through
December 7, 2020. Selections made during this year's annual enrollment period apply to insurance coverage for the following
year in 2021. Learn more about Medicare at Medicare.gov and make a plan to compare, buy or switch a Medicare Advantage plan
by visiting myHealthPolicy.com.

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NextAce Launches Virtual Title Assistant To Allow Title Companies To
Immediately Set Up And Adopt Title Automation
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NextAce, the leader in title automation solutions and a wholly owned subsidiary of Fidelity National Financial, announced the launch of the industry's
first "Virtual Title Assistant," which allows title companies to fully adopt title automation in just days while leveraging their existing processes and
systems. With the NextAce Virtual Title Assistant, instant title automation is within reach of every title company. Labor savings can be realized without
the challenges of traditional technology engagements, as VTA can be fully leveraged almost immediately to allow examiners to complete a traditional
examination and produce a full commitment in minutes.The use of automation in the traditional title process has been NextAce's sole business for 17
years, with over 12 million title reports processed, NextAce powers over 20% of the nation's orders while still continuously innovating to add layers of
accuracy, security, and savings. In the past, a title company wanting to adopt automation needed a custom software build, had to change their workflows
around a new process, and had to provide training for their examiners to transition to using a new interface and process. NextAce's Virtual Title Assistant
removes those barriers by creating a setup process that connects their existing data sources, templates, and codebooks, enabling a pre-examined report
to be delivered back into their production system in minutes.The NextAce Virtual Title Assistant empowers title companies by providing tools and
efficiencies that support thorough, traditional search and examination in minutes by leveraging their same processes and systems, and by providing the
same level of accuracy. With this new solution, NextAce delivers the next level of innovation in title automation.

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LGIM launches NavGuide - innovative complete investment service
designed to help the UK’s ~ 2,000 smaller DB pension schemes
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Legal & General Investment Management (LGIM) has launched NavGuide, an innovative complete investment service for smaller schemes
in the UK Defined Benefit pensions market.NavGuide provides schemes with tailored investment advice, the initial design and then constant
evolution of a bespoke portfolio, online monitoring and funding level tracking, and seamless transition to buy out. It uses a proprietary
technology platform to help LGIM analyse individual schemes’ unique circumstances quickly and efficiently, enabling LGIM to deliver
bespoke solutions much more cost-effectively. NavGuide allows smaller schemes to consolidate their investments and gain access to LGIM’s
economies of scale. With more than £1 trillion of assets under management, LGIM is already the largest manager of pension fund assets in
the UK. This latest development reiterates the firm’s commitment to driving innovation in the pensions market and helping DB schemes of all
sizes to achieve better outcomes.“Better, cheaper and faster aren’t usually associated with DB pension solutions, but that is what we hope
schemes will experience with NavGuide.We’ve designed NavGuide to help smaller DB pension schemes – an area often overlooked by the
industry - on their investment journey. These schemes will now be able to use NavGuide technology to access LGIM’s market-leading
portfolio management specialists and L&G’s insurance expertise in a one stop cost effective solution.”Head of Institutional Clients at LGIM

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LGIM (UK) announces climate solutions capability powered by risk and
alignment framework co-developed with Baringa Partners
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Legal & General Investment Management (LGIM) and Baringa Partners, a leading management consultancy and specialist in climate and physical risk analysis, have
revealed the co-development of a bespoke climate risk framework, Destination@Risk. The framework is powered by a range of tools, including Baringa’s Climate
Change Scenario model. The model was adopted by Legal & General earlier this year after the two firms collaborated to build one of the market-leading climate change
risk management frameworks available.Destination@Risk allows the robust measurement of the climate risk embedded in investors’ portfolios and their climate
alignment. By the first quarter of 2021 a climate risk dashboard will be available to portfolio managers and analysts within LGIM, enabling LGIM to embed climate risk
and alignment in a consistent way throughout the entire global investment function. Destination@Risk has been developed over a period of 18 months in partnership with
Baringa using its Climate Change Scenario model as a critical foundation, and was first used to evaluate the climate risk and alignment of L&G’s own balance sheet
assets, as detailed in the firm’s 2019 Task Force on Climate-related Financial Disclosures (TCFD) report. LGIM will also launch a climate solution capability for
institutional investors, also available from the first quarter of 2021, which will deploy the modelling tools developed, to measure the climate alignment of client assets,
and to design and implement Pathways to Paris” solutions. The climate risk and alignment framework has initially been used to analyse around 2,000 companies globally,
and has concluded that the majority of companies are not aligned with the Paris objectives, raising concerns that some institutional portfolios may be aligned with
temperature outcomes of greater than three degrees. The modelling has also been used to assess both the transitional and physical risks in the companies analysed. No
company assessed was immune to climate risks, but significant risk concentration was identified in a number of sectors. This evaluation has confirmed that climate
presents a first order material risk for long term investors.

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Lincoln Financial Group (USA) Offers a Flat Fee Option for Its Investment-Focused
Variable Annuity, Lincoln Investor Advantage® Advisory Choice
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Recent events have pre-retirees reconsidering just how prepared they are for retirement – with more than half rethinking their current
retirement plan and only a third feeling confident they’ll have the income they need in retirement. To help investors lower the costs on their
retirement portfolio while keeping more money invested for long-term growth, Lincoln Financial Group announced a new option to its
investment-focused variable annuity, Lincoln Investor Advantage® Advisory Choice. Recognized by Barron’s in 2020 as a leading solution
for tax-deferred savings, the investment-only variable annuity now offers investors a flat contract fee option of $20 per month. The fee is
waived for contracts at or above $250,000, and provides investors with options for retirement income and beneficiary protection.Lincoln
Investor Advantage Advisory Choice provides access to a wide range of investments through a fund lineup of over 140 individual investment
options covering more than 50 categories and offered by a variety of known and reputable fund managers. Investors have the ability to build
their own custom-fit portfolios or opt for a pre-packaged model that aligns to their individual goals and investment preferences. The solution
also minimizes the tax impact on investors by offering tax-deferred growth and tax-free account exchanges and rebalancing. Additional
product features include a unique death benefit and income rider.

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Travelers (USA) Enhances Traverse App With Image Recognition
Technology
18
The Travelers Companies, Inc. announced that it has enhanced the ability to purchase its online personal insurance product, Traverse, with a mobile app
utilizing image recognition technology. Through this upgrade, customers can now purchase a policy in under a minute by using their smartphone to take
a photo of the item they wish to insure and answering a few simple questions.Traverse offers coverage options for a range of items, including laptops,
mobile phones, musical instruments and jewelry, as well as personal liability, which can serve as an alternative to renters insurance. The entire process,
from receiving a quote to filing a claim, can be done online or by phone. Consumers simply select the coverage they want and determine the limits that
work best for their situation. The average Traverse policy can cover several items for $11 per month, and no-deductible options are available.The app
also lets users access a rewards program where they can refer friends to learn more about Traverse and complete other challenges to earn points, which
are redeemable for gift cards.The Traverse app was developed in partnership with Pineapple, an insurtech startup that originated in South Africa and
relocated to Hartford, Connecticut, to become part of the insurtech accelerator Startupbootcamp. Pineapple won Connecticut Innovations’VentureClash
competition in 2019 and has grown significantly in the past year with its innovative approach to personal insurance.The new photo feature and access
to the rewards system are currently available on the Traverse app for customers in Texas and will be offered in additional markets in the future. To
download the app, visit the Apple or Google app store.

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Travelers (USA) Introduces AI-Based Ergonomic Assessments
19
The Travelers Companies, Inc. announced that it is the first insurance carrier to offer its business customers virtual and on-site
ergonomic assessments using artificial intelligence (AI). The new offering combines AI-based technology and ergonomic
research to quickly analyze a smartphone video of a worker performing a task and identify movements and postures that could
cause injuries. The software then quantifies the risk and produces a report that assists a Travelers ergonomics professional in
developing consultative solutions that help keep workers safe.Ergonomic assessments can be used to assist businesses of all
sizes in establishing processes that enhance workplace safety. Making appropriate adjustments can help reduce the frequency
of common injuries and better control workers compensation costs.The Travelers Companies, Inc. is a leading provider of
property casualty insurance for auto, home and business. A component of the Dow Jones Industrial Average, Travelers has
approximately 30,000 employees and generated revenues of approximately $32 billion in 2019.

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Travelers (USA) Introduces IndustryEdge® Program for Professional
Services
20
The Travelers Companies, Inc. announced the launch of IndustryEdge for Professional Services. This tailored business insurance solution
offers coverages including general liability, property, commercial auto, workers compensation, professional liability and cyber to help
customers mitigate industry-specific risks such as data breaches, theft and lawsuits. IndustryEdge for Professional Services is specially
designed to meet the individual needs of architects, engineers, accountants, consultants, lawyers and many others.IndustryEdge for
Professional Services gives customers access to:
• Local and experienced underwriters who can respond to rapidly changing insurance environments in any part of the country.
• Robust risk control resources that include on-site hazard recognition and exposure assessments, on-demand services with prompt
access to specialized safety professionals and a collaborative learning site that helps support the execution of safety and risk control
strategies.
• Superior claim service, providing knowledgeable professionals who understand local regulations and have the technical expertise to
help customers.

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AXA XL launches Digital Risk Engineer - a connected solution to monitor
building health
21
AXA XL is accelerating the scaling of its new Digital Risk Engineer proposition – a connected solution designed to enable
companies to monitor the “health” of their buildings and assets – having recently completed the successful pilot phase. Available
globally, Digital Risk Engineer uses Internet of Things (IoT) devices installed in the clients’buildings to capture information from
connected systems such as energy, water (including sprinklers), heating, ventilation and air conditioning (HVAC). The
information is analysed in real time to detect anomalies in the building, allowing for early intervention to mitigate the occurrence
and severity of an incident. Early detection also helps to ensure minimal interruption when maintenance or repairs are needed.
The data and insights are accessible to the client and AXA XL’s risk consultants via an online dashboard. In addition to the
installation of the device and the access to the dashboard, AXA XL offers clients a “building health check” after 90 days, using
aggregated data to provide feedback, including commentary from AXA XL’s risk consulting team.

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Zurich (Switzerland) accelerates roll-out of digital offering, announces
key leadership appointments and new Executive Committee members
22
Zurich Insurance Group (Zurich) is ramping up the transformation of its global business to meet the rapidly changing
needs of consumers, launching a new unit to expand digital services worldwide and create a more intimate connection with
its customers and partners.After successfully repositioning the business in North America and increasing its strength and
resilience, Ms. Savio will be responsible for accelerating business organization and governance, further developing the
cultural transformation across Zurich and ensuring the Group effectively delivers on its commitments. This includes the
evolution towards a sustainable, purpose-driven company.

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Aflac (USA) Ranks No. 10 on LATINA Style's List of 50 Best Companies
for Latinas to Work for in the U.S.
23
Aflac, a leading provider of supplemental insurance and products in the U.S., announced the company has once again been honored by LATINA Style as one
of the 50 Best Companies for Latinas to Work for in the United States, landing at No. 10 on the prestigious list. This marks the 21st year that Aflac has been
recognized in the 23-year history of the LATINA Style50 Report, and it stands as the company's highest-ever ranking. According to LATINA Style, the report
has established itself as the most respected source for employment and career programs for Latinas across the nation.Aflac continuously improves diversity,
equity and inclusion practices. The company is committed to being an acknowledged industry leader in Environmental, Social and Governance, or ESG,
programs and reporting. Over the past year, Aflac has conducted several initiatives to increase Hispanic representation throughout the company, including
increasing the share of Hispanic leaders on the company's internal Diversity Council and sponsoring community events such as the Tri-City Latino Festival.
At Aflac, 46% of U.S. employees are of ethnic minority and 66% are women, including several Latinas who serve as senior executives, including Catherine
Hernandez-Blades, the company's chief ESG and communications officer.Aflac Incorporated is a Fortune 500 company, helping provide protection to more
than 50 million people through its subsidiaries in Japan and the U.S., where it is a leading supplemental insurer by paying cash fast when policyholders get
sick or injured. For more than six decades, insurance policies of Aflac Incorporated's subsidiaries have given policyholders the opportunity to focus on
recovery, not financial stress. Aflac Life Insurance Japan is the leading provider of medical and cancer insurance in Japan, where it insures 1 in 4 households.
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The Des Moines Register Names American Equity (USA) a Winner of the
Iowa Top Workplaces 2020 Award
24
American Equity Investment Life Insurance Company®, a leading underwriter of fixed index annuities, has been awarded a Top
Workplaces 2020 honor by The Des Moines Register. The list is based solely on employee feedback gathered through a third-party
survey administered by employee engagement technology partner Energage, LLC. The anonymous survey uniquely measures 15
drivers of engaged cultures that are critical to the success of any organization: including alignment, execution, and connection, just
to name a few.American Equity, CEO Anant Bhalla says, insurance is not about contracts or business models — it’s about the
relationships between employees, partners and contract owners. American Equity is honored to be recognized for a tenth consecutive
year as a Top Workplace. It proves that taking a people-first approach to company culture not only leads to success in the industry,
but builds a dedicated team of employees.American Equity Investment Life Insurance Company® is a full-service underwriter of
fixed annuity products, with a primary emphasis on the sale of index annuities. Headquartered in West Des Moines, Iowa, American
Equity Investment Life Insurance Company is committed to providing products with integrity, as well as superior service to the
agents it partners with and their policyholders.
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Assurant Executor Assist Wins Top Innovation Honor at
Wealthmanagment.com’s 2020 Industry Awards
25
Assurant, Inc, a leading global provider of lifestyle and housing solutions that support, protect and connect major consumer purchases, announced that its
Executor Assist, powered by ProtectHeir, offering won the Technology Providers - Innovation New Applications award at the 2020 WealthManagement.com
industry awards program. Assurant Executor Assist is an intuitive online solution that helps executors save weeks of time and effort to settle an estate, while
offering protection against identity fraud after the passing of a loved one.In addition to step-by-step guidance, checklists and reminders, Executor Assist
provides personalized pre-filled forms, specific to each individual, and addressed to the appropriate contacts at key businesses and the government. This
includes credit bureaus, banks, credit card companies, departments of motor vehicles, and the U.S. Social Security Administration among others to help
executors save weeks of work settling an estate, while also protecting the deceased’s personal information against fraud. Known as “ghosting,” deceased
identity theft affects an estimated 2.5 million Americans per year and severely complicates and delays estate settlement. After death, the deceased’s personal
ID information is at risk of being compromised and used to fraudulently open accounts, access financial assets, file fake tax returns, obtain driver’s licenses
and other illegal activities. Executor Assist helps an executor to notify organizations about the passing of a loved one quickly, greatly reducing the risk of
deceased identity theft and saving the executor valuable time and effort. WealthManagement.com received 625 nominations from 221 companies for its
awards program this year. A panel of independent judges identified the finalists and chose the winners.
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Combined Insurance Named Number One Military Friendly® Employer
for Third Consecutive Year
26
Combined Insurance, a Chubb company, announced that it has been named the nation's number one Military Friendly® Employer for 2021 by VIQTORY in the
$1B - $5B revenue category.This is the company's tenth consecutive year on the Top 10 employer list and seventh consecutive year in the Top 5. Combined
Insurance held the number one spot in 2015, 2016 and reclaimed the top spot again in 2019 and 2020. With 2021's rating, Combined Insurance will have received
five total number one designations by VIQTORY.Combined Insurance's key highlights in 2020 reinforce the company's commitment to the military community:
• Hired more than 5,500 veterans, military spouses, and their family members since 2010
• Donated to military veteran-focused nonprofit organizations—Luke's Wings and Heartland Alliance –Support Services for Veteran Families—through their
'Operation Veteran GiveBack' program
• Served more than 500 service members and their families' dinner as part of the USO of Illinois No Dough Night, along with providing leadership to the USO
with a Combined Executive's appointment to the USO Board
The Military Friendly® Employers list is created each year based on extensive research using public data sources for thousands of federal contractors nationwide,
input of military employees and responses to the proprietary, data-driven Military Friendly® Employers survey from participating companies. Data calculations
and tabulations were independently evaluated for completeness and accuracy by Ernst & Young.
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CNO Financial Group (USA) Earns Great Place to Work Certification
27
CNO Financial Group, Inc. announced that it has been Great Place to Work-Certified™. This is the first year CNO Financial
participated in the survey. CNO employs more than 3,000 associates nationwide, including more than 1,200 in its corporate
headquarters location of Carmel, Indiana.The 2020 certification process included associate feedback collected by the Great Place
to Work® Trust Index© survey conducted in August. It measured more than 60 elements of employees' experience on the job.
Rankings are based on the employee's personal experience, no matter what job they perform.In addition to this certification, CNO
has been recognized for its commitment to diversity, associate engagement, and well-being in the last 12 months.
• Named a 2020 Forbes Magazine Best Employers for Diversity
• Recognized by the Training Magazine Top 125, for the ninth consecutive year
• Ranked as the top company on the 2019 Healthiest 100 Workplaces in America® list and the sixth time on the list.
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Everest Re Group, Ltd. (Bermuda) Earns 2020 Best Places to Work in
Insurance Distinction
28
Everest Re Group, Ltd. (“Everest”) announced that it has earned the distinction of being named one of the 2020 Best Places to Work in
Insurance, which recognizes employers for their outstanding performance in establishing workplaces where employees can thrive, enjoy their
work and help their companies grow. Best Places to Work in Insurance is an annual sponsored content feature presented by the Custom
Publishing unit of Business Insurance and Best Companies Group that lists the agents, brokers, insurance companies and other providers with
the highest levels of employee engagement and satisfaction.Everest Re Group, Ltd. (“Everest”) is a leading global provider of reinsurance and
insurance, operating for close to 50 years through subsidiaries in the U.S., Europe, Singapore, Canada, Bermuda and other territories.Everest
offers property, casualty, and specialty products through its various operating affiliates located in key markets around the world.Everest
common stock is a component of the S&P 500 index.Business Insurance is the authoritative news and information source for executives
concerned about risk and the impact on their business. With information for risk managers, insurers, brokers and other providers of insurance
products and services, Business Insurance delivers in-depth analysis on new and emerging risks, case studies of successful programs, market
intelligence on trends, and guidance on how to capitalize on opportunities and overcome challenges.
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Genworth (USA) Mortgage Insurance Leaders Named as 2020
HousingWire Insiders
29
Genworth Mortgage Insurance continues to lead the mortgage and housing industry forward through innovation, service, excellence and top
talent. Credit Policy Senior Manager Brenda King and Government Relations Director Marc Zinner were recently named as HousingWire
Insiders for 2020 for their contributions to the mortgage industry by premier industry publication HousingWire.In its fifth year, the annual
Insiders list honors 50 winners who are the “go-to” team members in their companies and represent a wide range of occupations within the
housing industry, from lending and real estate to investments and fintech. The Insiders are the professionals their companies turn to with their
most important or challenging projects, and their contributions and hard work lead to superior results.Brenda is a true team player who
maintains excellent relationships across all areas of the business and has long-been a firm believer in the popular saying, “There’s no ‘I’ in
team,” and credits her success to her team, recognizing that they’re stronger together. Recently, Brenda quickly stepped up to lead her team
through a tremendous amount of COVID-19 underwriting guideline updates in partnership with the government-sponsored enterprises.
Brenda’s ability to get the most out of her team members by embracing and leaning on their differences in background, experiences and
thought, makes her a thoughtful and creative leader.
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Genworth Mortgage Insurance (USA) Recognized as 2020 Triangle
Business Journal ‘Best Place to Work’
30
Genworth Mortgage Insurance continues to lead the mortgage and housing industry forward through innovation, service, excellence and top talent.
Genworth was recently recognized by local news publication Triangle Business Journal as one of their 2020 Best Places to Work winners.TBJ honors
outstanding organizations throughout the Triangle community and the 2020 “Best Places to Work” winners span a wide range of industries, including
real estate, life sciences, legal, finance and technology. Winners were chosen based on an employee-survey process.Genworth Mortgage Insurance has
been helping more families get into and stay in their homes for 40 years, but the company’s recovery following the global financial crisis presented an
opportunity to be very intentional about defining its mission and vision, as well as the values—Excellence, Improvement and Connection— that drive
success. That process has yielded a highly engaged workforce committed not only to helping more families realize the dream of homeownership, but
also to helping strengthen the Triangle community.In 2019, Genworth helped more than 228,000 families purchase or refinance a home as well as more
than 3,900 families stay in their homes by working with lenders to modify loans where homeowners are experiencing financial stress. Whatever the end
result, Genworth employees find a way to get it done and done well. In the same year, Genworth employees spent more than 3,700 hours giving back
to the local community and gifted $218,000 to non-profit partners through the company’s matching gift program, along with designating $22,600 of
their giving rewards, earned through volunteer hours, to non-profit partners.
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Genworth Mortgage Insurance (USA) Leader Recognized as 2020
Triangle Business Leader in Diversity
31
Genworth Mortgage Insurance continues to lead the mortgage and housing industry forward through innovation, service, excellence and top talent. Talent
Acquisition and Diversity & Inclusion Leader, Quincy Amekuedi, was recently recognized by local news publication Triangle Business Journal as one of
their 2020 Leaders in Diversity Award winners. In its eighth year, the Leaders in Diversity Awards program recognizes the accomplishments of Triangle
businesses, individuals and nonprofits as they come together to weave a diverse foundational fabric into the heart of the local community. The winners,
representing a number of industries, have demonstrated respect for the inclusive treatment of others and advocacy for underrepresented groups and
multicultural marketing.Quincy is a highly engaged employee who firmly believes that we are all better people, leaders and organizations when we welcome
diverse thoughts, experiences and talents. Quincy has been an instrumental part of the growth in diversity representation Genworth has experienced over the
last three years and keeps diversity as a focal point in all discussions to ensure the organization is growing together in cultural awareness development
opportunities. A few of Quincy’s responsibilities include promoting diversity in every step of the recruiting process; supporting and helping to promote all of
the company’s employee resource groups in their work to reach across the organization to provide educational and development opportunities for all
employees; and having open and honest conversations with internal hiring teams to assess hiring gaps. Quincy has always subscribed to the belief that the
issue of inequality is not a singular company, industry, or regional issue and we must use our collective strengths and resources to make progress, as well as
advocating for the equal treatment and elevation of the often-unheard voices of the underrepresented groups that need our help.
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MS&AD’s Corporate Venture Capital Recognized in GCV Top 100
Powerlist 2020
32
MS&AD Ventures Inc., corporate venture capital of MS&AD Insurance Group Holdings, Inc. (the “Company,” President & CEO:
Noriyuki Hara), has been recognized in the GCV Powerlist Award 2020 which is an internationally recognized award related to corporate
venture capital (CVC). Two representatives of MS&AD Ventures have been named to the “Top 100 Powerlist” of investors. This award
is a great honor as it shows that MS&AD Ventures plays an important role in the world of venture business. Through MS&AD Ventures’
investment activities, MS&AD Group will continue to enhance the value of customer experience and business productivity, achieve
sustainable growth, and enhance corporate value, while adopting new business models that utilize advanced technologies.This award is
an authoritative award given by Global Corporate Venturing, a global media company related to CVC, to the top 100 investors out of
around 2,000 companies from around the world once a year.It is considered to be a great honor to be selected for this award because, in
addition to the number of investments and the growth rate of the investee, strategic and leadership factors such as the status of alliances
and development with investee companies, the impact and uniqueness of the contents of alliances within the company, and leadership at
public meetings are taken into consideration.
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NÜRNBERGER Versicherung is one of the best employers for women
2020
33
Germany's leading women's magazine Brigitte and the HR marketing experts from Territory Embrace are once again choosing
"The best employers for women 2020". With 4 out of 5 possible stars, NÜRNBERGER Versicherung is again one of the 182
best employers for women nationwide this year.Since 2018 the magazine has honored companies with outstanding
advancement of women. 182 of the 257 participating companies - 50 percent more than in the previous year - were awarded
four or five stars for their performance in the four examined criteria, work-life balance, work flexibility, career advancement
and the importance of transparency and equality in the company."Equal opportunities have long been very important to us in
the company and are part of our daily practice. The award proves it again!" According to the 2020 study, NÜRNBERGER
Versicherung is one of the "best employers for women" with four out of five possible stars.
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QBE’s (Australia) Premiums4Good Awarded for Global Sustainability
Leadership
34
QBE’s Premiums4Good impact investment initiative has been awarded a Sustainability Leadership Award by the Business Intelligence Group
in its 2020 Sustainability Awards program. The Sustainability Awards honour those people, teams and organisations who have made
sustainability an integral part of their business practice or overall mission.Premiums4Good is a unique initiative that sees QBE integrate social
value with business value by connecting insurance customer premiums to growing demand for impact investments. Premiums4Good delivers
attractive risk-adjusted returns and business value, while also seeking to deliver positive social and environmental impact. This program is a
collaboration with customers and partners to invest in projects that drive a better future for people and the planet.QBE Group Chief Investment
Officer said the award recognises the importance that QBE has placed on operating sustainably across all its operations and the capacity for
customers to do more with their insurance spend by connecting it with positive environmental and social value.Premiums4Good aligns with
QBE’s wider commitment to operating sustainably and addressing climate risk. Premiums4Good is invested in social projects globally, many
supporting those impacted by COVID-19, and in renewable energy projects and other initiatives around the globe that are designed to address
the physical and transition risks and opportunities of climate change.”
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Scor (France) Wins “Excellence In Claim Service” Award At The
Reactions North America Awards 2020
35
Congratulations to the North America P&C Claims Team for winning the “Excellence in Claim Service” Award at the
Reactions North America Awards 2020 online ceremony, held on Thursday, September 24.This is SCOR’s second North
American Reactions award in two years, having been named “North American Reinsurer of the Year” in 2019.The Reactions
North America Awards honor the industry’s leading underwriting companies, broking firms and service providers for their
achievements in the past calendar year, and also recognize prominent industry figures for their accomplishments in the North
America (re)insurance market over the same time period.Following the win, SVP and Head of Americas Claims, said: “On
behalf of our 50 claim professionals who manage claims for SCOR clients in the Americas, I am very grateful for the industry
recognition of the team’s hard work and dedication. We strive to combine cutting edge technologies and claim expertise,
delivering those in a way that maximizes the benefits for our valued customers.”
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Travelers (USA) Recognized for Military-Friendly Culture
36
The Travelers Companies, Inc. announced that it has been named to the Military Times Best for Vets: Employers list for the seventh consecutive
year. Organizations were selected based on a survey of their policies and practices related to the recruitment and retention of veterans, the
employment of military spouses and accommodations provided to members of the National Guard and reserves. Travelers fosters a
military-friendly culture in a number of ways, including through its:
• Military and Veterans & Allies Diversity Network, a resource group dedicated to promoting veterans’ career development and building
awareness of veterans’ skills and experiences. Since its launch in 2013, the network has grown to more than 3,200 members nationally.
• Focused recruitment efforts, where employees with previous military experience build relationships with national military and veteran
organizations. This helps the company actively recruit transitioning service personnel for roles such as catastrophe responders, claim adjusters,
customer service representatives, investigators, technology specialists, nurses, risk control consultants and underwriters.
• Benefits for employees deployed on active duty, which include benefits continuation and leave-of-absence policies. The company provides full
benefits and supplements employees’ military pay for up to five years of their deployment.
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AXA XL named to the Diversity Best Practices Inclusion Index
37
Diversity Best Practices (DBP), a division of Working Mother Media, unveiled its fourth annual Inclusion Index. The index helps organizations understand trends
and gaps in demographic representation, creates a road map to drive internal change, and identifies diversity, equity and inclusion (DE&I) solutions to close the
gaps. Organizations provided data and were measured in three key areas: best practices in the recruitment, retention and advancement of people from
underrepresented groups—women, racial/ethnic minorities, people with disabilities, and LGBTQ people; inclusive corporate culture, including leadership
accountability; and demographic diversity for women and racial/ethnic minorities. AXA XL was among the 98 organizations that earned a score of at least 60
percent (AXA XL’s score was 70%) and a place on the index. This year, 185 organizations participated in the Diversity Best Practices Inclusion Index, a 25 percent
year-over-year increase. Twenty of those listed on the 2020 DBP Inclusion Index are recognized for superior achievement by receiving an 81 percent or higher
score and qualifying as a Top 10 Percent Inclusion Index Company. Nine of those listed achieved at least 75 percent of the available points to qualify as a Leading
Inclusion Index Company. Completed applications were collected online from December 2019 through March 2020. Results reveal opportunities for all
organizations to target their diversity and inclusion efforts for greater effectiveness.Diversity Best Practices, a division of Working Mother Media, is the preeminent
organization for diversity thought leaders to share best practices and develop innovative solutions for culture change. Through research, benchmarking,
publications and events, DBP offers members information and strategies on how to implement, grow, measure and create first-in-class diversity programs.
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Working Mother Names AXA XL as One of the 2020 100 Best Companies
38
Working Mother revealed its annual list of the 2020 100 Best Companies, representing more than 2 million employees in the
US. This year’s winners are focusing on inclusive benefits for families, including gender-neutral parental leave, gradual
phase-back after parental leave and accessible, affordable childcare. AXA XL was among the 100 companies that earned a
spot on this year’s list.necessary resources to parents so they may continue to excel professionally."
Key findings from the 2020 100 Best Companies:
• The average number of fully paid weeks of maternity leave by the 100 Best Companies is 11 weeks, compared with an
average of four weeks nationally (according to the Society for Human Resource Management).
• Companies are continuing to move toward gender-neutral parental leave: Five years ago, 100 percent of the 100 Best had
paid maternity leave but few offered gender-neutral leave, almost a quarter offer gender-neutral paid leave.
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FNF Reaches Major Milestone Of 800,000 startSafe Digital Opening Packages
Delivered To Consumers And Adds Mobile Earnest Money Deposit
39
Fidelity National Financial, the leading provider of title insurance and settlement services to the real estate and mortgage industries,
announced that it has delivered over 800,000 startSafe digital opening packages to consumers as part of its initiative to bring to market a
truly reimagined, trusted, and transparent experience for agents, buyers, and sellers. As significant as delivering over 800,000 startSafe
digital opening packages to consumers is, even more promising is the fact that over 70% of all packages are opened and 85% of
consumers that begin a startSafe interview complete it.The significance of these milestones comes in the fact that the startSafe digital
opening package, the first step in FNF's reimagined real estate experience, can help mitigate wire fraud risk for buyers and sellers. Now,
new features, like mobile earnest money deposit, make the process of starting a real estate transaction even more convenient and seamless
in our new low-contact environment.The use of startSafe digital opening packages, mobile deposit capabilities, as well as future
comprehensive capabilities for both consumers and agents will continue to be rolled out to all direct operations of Chicago Title, Fidelity
National Title, Lawyers Title, Ticor Title, Alamo Title, as well as the other direct title brands under the FNF family of companies
throughout the remainder of 2020.
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The Hartford To Provide $750,000 To Help United Way Improve Its 211
Network
40
The Hartford has committed $750,000 over three years to help United Way improve the online presence and accessibility of the
211 network, a comprehensive source of locally curated social services information in the U.S. This will better enable 211 users
to quickly find and access the information and services they need, as well as improve the overall user experience, increase website
traffic and create a more consistent, connected network across the United States.The 211 network, operated or supported by
United Way throughout the U.S., is used by millions of Americans each year to access services such as free and confidential crisis
and emergency counseling, disaster assistance, food, healthcare and insurance assistance, stable housing and utilities payment
assistance, employment services, veteran services and childcare services. In addition to funding enhancements to the 211
network’s digital presence, The Hartford has trained its life and disability insurance claims and care teams to guide its customers
towards 211 for additional resources if they express hardship. The Hartford also raises awareness about the network through its
online benefits portal and beneficiary packages that are mailed to customers.
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Ageas official (Belgium) partner of European Women on Boards (EWoB)
41
Ageas is proud to announce it has become an official partner of European Women on Boards (EWoB). EWoB’s mission is to
advocate for gender diversity in boards, to disseminate good practices on corporate governance policies and measures which
favour gender diversity, to contribute to the development and empowerment of women who are candidates for board positions
and to make an insightful and valuable contribution to European policy debates on measures to foster gender equality in
decision making.Ageas is very happy to have concluded this partnership, because at Ageas you see diversity – in all its forms
– as an essential condition for being prepared as a business to face the challenges of the future, with gender diversity being
one important aspect of it. They are certainly not yet perfect in this area, but they acknowledge this and try to do better every
day. By becoming a partner of EWoB they hope to encourage everyone to embrace diversity - and gender diversity in
particular.
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Jubilee Insurance and Allianz forge strategic partnership
42
Jubilee Holdings Limited East Africa’s largest insurance group, and Allianz, one of the world's leading insurers and asset managers, have signed an agreement to establish a strategic
partnership in the five African countries where Jubilee Insurance currently operates. The partnership covers the general insurance business (also known as the property & casualty insurance
segment) in Kenya, Tanzania and Uganda as well as the short-term insurance segment in Burundi and Mauritius. JHL will retain ownership of its Life and Pensions operations and its Medical
insurance business in Kenya, Uganda and Tanzania.In the proposed partnership structure, Allianz will acquire controlling stakes in each of these businesses for total consideration of KES 10.8
billion (84 million euros, $100 million) while JHL will retain a significant minority stake. JHL’s subsidiary in Kenya, Jubilee General Insurance Limited is the future joint venture company
which will also acquire the business of Allianz Insurance Company of Kenya Limited.The transaction, which will require regulatory approvals in the five markets as well as a restructuring of
JHL’s subsidiaries in Uganda and Tanzania into separate general insurance units, will result in Allianz becoming co-shareholder alongside JHL in five general insurance subsidiaries of the JHL
Group, holding between 51 percent and 66 percent in each company. On a preliminary pro-forma basis, these general insurance companies represent 12.3 percent of JHL’s total consolidated
net assets of KES 32.3 billion (252 million euros, $299 million) as at June 30, 2020.Allianz, with its headquarters in Germany, serves more than 100 million retail and corporate customers in
more than 70 countries worldwide and has over a century of history in Africa, where it has built a meaningful footprint across the continent. It is currently present in 12 countries in Africa and
serves customers in 49 African markets. Globally, Allianz achieved total revenues of 142 billion euros (KES 18 trillion, $168 billion) and an operating profit of 11.9 billion euros (KES 1.5
trillion, $14 billion) in 2019.Through this partnership, Jubilee Insurance and Allianz aim to jointly expand and broaden insurance markets across East Africa, leveraging Jubilee Insurance’s
deep regional knowledge, extensive networks and brand reputation with the global expertise and capacity of the Allianz Group. The partnership intends to further reinforce JHL’s regional
leadership position by bringing international best practices to its customers in East Africa, addressing evolving insurance risks with relevant products, and will support Allianz ambitions to
reshape its footprint and gain market leadership in key markets on the African continent.
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Allstate (USA) and Lyft Partner to Protect Drivers in Eight States
43
Allstate Insurance Company has been selected to provide commercial auto coverage to Lyft in California, Iowa, Indiana, Kansas,
Kentucky, Missouri, Ohio and West Virginia, effective, October 1.The policies*, managed by Allstate Business Insurance, provide
coverage throughout the cycle of a Lyft trip, from when a driver turns on the Lyft driver app, to pick up and trip completion. Riders are
automatically protected by Allstate at no additional cost each time they get in the car with Lyft.Coverages vary by state and during period
of engagement and may include bodily injury and property damage liability, uninsured/underinsured motorist liability, and collision and
comprehensive coverage, subject to policy terms, conditions and deductibles.The Allstate commercial auto policies are effective October
1, 2020. Typically, drivers using Lyft rely on protection from their personal auto insurance when they are offline or don’t have the app
turned on. Some Allstate customers who drive using Transportation Network Companies (TNC) have additional ridesharing coverage,
such as Allstate’s Ride for Hire coverage, for certain coverages outside of their personal auto policy and TNC commercial
coverage.Allstate provides business insurance solutions and products designed to help protect against risks specific to individual business
and commercial auto needs. Having secure, personalized business insurance can help customers live a life well-protected.
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American Equity (USA), Varde Partners and Agam Capital Management
Announce Strategic Partnership
44
American Equity Investment Life Holding Company, a leading issuer of fixed index annuities, Värde Partners (“Värde”), a leading global
alternative investment firm, and Agam Capital Management, LLC (“Agam”), an insurance solutions provider, announced they have reached
agreement in principle to form a strategic partnership intended to drive value for investors, retirement planners and retirees by combining the
capabilities, resources and expertise of each organization.Under the terms of the agreement in principle, Värde will establish a Bermuda
reinsurance company that would reinsure $5 billion of American Equity fixed index annuity liabilities. American Equity and Värde will also
jointly establish an asset management entity to provide insurance asset management services to the reinsurance company. American Equity is
intended to have a significant minority interest in the new reinsurer and a 35% interest in the newly formed asset manager.Each of the three
companies brings distinct capabilities to the partnership. American Equity brings distribution, policyholder service and administration,
product development and insurance specific asset management expertise. Värde brings alternative asset management capabilities and Agam
brings differentiated risk management solutions. By combining these complementary capabilities in a new reinsurance company and a new
asset management entity, all three partners will benefit from the growth of the reinsurance business and assets under management.
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Partnership agreement signed in Brazil between Caixa Seguradora and
Brazilian Post Office, Correios
45
CNP Assurances has announced the signing of a ten-year non-exclusive agreement in Brazil between Caixa Seguradora and
Brazilian Post Office Correios for the distribution of capitalization and dental insurance products. As the operator of Brazil’s
national postal service, Correios is a state-owned company that provides communication and logistics services for businesses
and individuals. It has more than 6,500 branches and is present in each of the country’s 5,570 municipalities. The agreement
enables CNP Assurances to continue with its strategic development in Latin America through a multi-partner approach. It
does not provide for any payment by Caixa Seguradora and entered into effect on 3 September 2020 on the date it was
signed.“CNP Assurances is delighted to have signed this new agreement which will help us to continue strengthening our
presence on Brazil’s insurance market, in line with the Group’s multi-partner business model” said Chief Executive Officer
of CNP Assurances.
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CNPAssurances (France) launches CNP IMMO PRESTIGE, a Professional
Civil Partnership for investment in high-end Parisian real estate
46
CNP Assurances announces the launch of the CNP Immo Prestige offer for investing in high-profile Parisian real estate. In a sector traditionally
reserved for corporate investors, CNP Assurances is now opening up the benefits to its clients. CNP Assurances, a major historical corporate
investor in the real estate sector, has created a specific unit-linked tool, CNP IMMO PRESTIGE, enabling its clients to access the most prestigious
real estate assets by ensuring regular performance with a level of controlled costs. To develop capital and secure rental yields, these investments
in exclusively Parisian properties meet the quality requirements of the locations - in the central business district -, the buildings - all classified
according to the highest environmental quality and energy performance levels - and the tenants, which essentially represent the headquarters of
French corporates. Exclusively reserved for clients of CNP Assurances, which holds all of these real estate assets in its portfolio, the CNP IMMO
PRESTIGE tool is accessible within the CNP Patrimoine range of life insurance policies or capitalisation contracts. CNP IMMO PRESTIGE is a
true diversification tool and is accessible from €5,000. 95% invested in the high-profile real estate traditionally reserved for corporate investors, it
offers potential immediate and long-term return, with a liquidity guaranteed by CNPAssurances as well as controlled costs in terms of subscription
and management (2% investment charges, 1.06% inclusive of tax in annual management fees).
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CNPAssurances (France) launches “A voix ouvertes” (open voices) in partnership
with RTL: a series of six debates on the world of tomorrow
47
CNP Assurances is launching “A voix ouvertes” (open voices) in partnership with RTL: this is a series of six open talks in which philosopher and
psychoanalyst Cynthia Fleury, economist and thinker Jacques Attali, physicist and writer Christophe Galfard, and Chief Executive Officer of CNP
Assurances Antoine Lissowski will freely debate the current major questions in society. The discussions will be facilitated by journalist Anaïs Bouton. The
current health crisis has accentuated the uncertainties that weigh on our society and environment. Open and interdependent countries have seen their borders
closed and their faces masked. What was once open has closed; what was once easy has become difficult; what was once obvious is now uncertain. To grasp
this complexity, now more than ever it is helpful to take a step back and change perspectives. Thinkers, researchers and scientists are here to start the
conversation. For six weeks starting on 21 September 2020 on rtl.fr with the support of M6 Publicité, CNP Assurances and RTL are giving their guests a
platform to freely debate the opportunities and metamorphosis of the “new era”: changing social bonds, new needs for personal protection in light of
never-before-seen risks, the digital revolution and ongoing disruptions within our society and even companies... A new 20-minute podcast episode of “A voix
ouvertes” will be available each week starting on 21 September 2020 on the rtl.fr site and all streaming platforms (YouTube, Vimeo, etc.). It will also be
posted on the social media pages of RTL and CNP Assurances as well as on cnp.fr. This initiative is supported by UM and The Good Company.
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Genworth (USA) and Oceanwide Continue to Work Toward Closing Transaction;
Genworth Announces Date of 2020 Annual Stockholders Meeting
48
Genworth Financial, Inc. announced that while it continues to work with China Oceanwide Holdings Group Co., Ltd. (Oceanwide) toward closing the merger transaction
with Oceanwide by September 30, 2020, Genworth has scheduled its 2020 Annual Meeting in order to comply with the New York Stock Exchange listing standards,
which require each listed issuer to hold an annual meeting of stockholders during each calendar year, and to provide requisite advance notice of the meeting to its
stockholders. Genworth and Oceanwide previously announced that Oceanwide's funding plan for the proposed transaction was progressing well, and that the parties are
working to close the transaction by September 30, 2020. The transaction had previously received all U.S. regulatory approvals needed to close the transaction, subject to
confirmation from the Delaware Department of Insurance that the acquisition of Genworth's Delaware-domiciled insurer may proceed under the existing approval, which
Oceanwide expects to seek upon finalization of its financing. For an update on the current status of the regulatory approvals, please see Genworth's press release dated
August 31, 2020 which can be found under the "Investors" section of genworth.com. In the event the proposed merger is not completed by December 10, 2020, the 2020
Annual Meeting will be held as a virtual meeting on Thursday, December 10, 2020, at 9:00 a.m. Eastern Time. Holders of record of Genworth's Class A common stock
on October 16, 2020, will be eligible to vote at the 2020 Annual Meeting. In the event the proposed merger is completed by December 10, 2020, the 2020 Annual Meeting
will not be held. As disclosed in Genworth's proxy statement for its 2019 Annual Meeting of Stockholders, the deadline for the receipt of stockholder proposals submitted
under Rule 14a-8 of the Securities Exchange Act of 1934 for inclusion in the Company's proxy materials for the 2020 Annual Meeting was July 4, 2020.
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MAPFRE and Hi Marley Partner on Texting Platform to Enhance Customer
Claims Experience
49
MAPFRE Insurance and Hi Marley are partnering to enhance the MAPFRE customer and employee experience, with the successful
launch of Hi Marley’s innovative, insurance-focused texting platform. The application manages the claims process in a single, unified
conversation, resulting in more efficient and faster claims resolution.In addition to the texting platform for claims communications,
MAPFRE and Hi Marley are collaborating on other opportunities using SMS texting to provide even more digital capabilities to
MAPFRE customers.MAPFRE Insurance®, rated “A” (Excellent) by A.M. Best Company, serves policyholders in 14 states across the
United States. It is the 21st largest property and casualty insurer and private passenger auto insurer in the United States. MAPFRE
Insurance is part of MAPFRE Group, a global insurance company with a worldwide presence.Hi Marley is a software provider offering
the first AI-enabled conversation platform specificallydesigned for the insurance industry. Hi Marley enables insurance carriers to easily
and quicklycommunicate with customers and other partners in the insurance ecosystem through SMS messaging, so they can deliver an
optimal customer experience across all touchpoints in the customer journey. The platform has flexible APIs and requires zero integration.
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Humble Design® and Progressive® (USA) Team Up to Fight Homelessness in
Cleveland.
50
Humble Design, a nonprofit that changes lives and communities by furnishing homes of families and veterans emerging from homelessness, is delighted
to announce that they, with the help of Progressive Insurance, have launched their fifth nationwide location in Cleveland, Ohio. The Northeast Ohio
Coalition for the Homeless estimated in 2019 that 35% of the community is living below the poverty line. Progressive decided to look for solutions
around the country that were working and making an impact. After an extensive study of possibilities, they selected Humble Design, who not only was
moving the needle when it came to homeless recidivism but had ways that their employees could volunteer to help solve the issue.Humble Design was
founded in 2009 in Detroit, Michigan, in an effort to provide a fresh start for those leaving homeless shelters. They have grown to address the needs in
additional locations in Chicago, Seattle, San Diego, and now Cleveland. Humble Design recognizes that housing is only the first hurdle to breaking the
cycle of homelessness. Humble Design provides the stability and dignity necessary in successfully rebuilding lives. According to internal data in 2018,
99% of Humble Design participants remained housed one year after leaving the shelter.Their warehouse, located in Solon, Ohio, opened its doors in
mid-July and serves as a donation intake for gently used furniture, household items, and décor. While Progressive’s 11,000+ employee base in northeast
Ohio will be the primary source for Humble Design’s local volunteerism needs, the community can go to Humble Design to learn about additional ways
to donate in Cleveland and countrywide.
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Standard Life (UK) Elevate offers DFM partners for first time
51
As a result of adviser feedback, Standard Life Elevate, the awarding winning adviser platform will offer a new range of DFM partners for
the first time, through its Separately Managed Accounts (SMA)* service. The additions offer access to a wider range of Model Portfolios
directly through the Elevate platform. This follows the successful launch of SMA on the platform last year and gives advisers more choice
while supporting efficiencies within their business. Advisers stay in full control of the client relationship whilst benefiting from the
expertise of a range of investment specialists and Standard Life's highly rated customer service.Head of Platform Proposition at Standard
Life said: "I'm delighted we can enhance the investment experience enjoyed by advisers and their clients. The key to this new service is
offering a combination of efficiency, choice and control, as well as greater flexibility for advisers to work with their DFM partners.Elevate
advisers told us they wanted more investment choice on the platform. With the successful launch of SMA's last year the natural next step
was to extend the DFMs available, so we're delighted with the firms already on board, and we have a few more to follow.Regulation is
always a consideration and the introduction of the DFM service will help advisers meet PROD requirements as the technology can help
advisers run their CIP in a more efficient way, ensuring a more tailored client approach."
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Environment & Social Updates
Insurance Industry

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Building resilient communities – Suncorp partners with Queensland State
Emergency Service
52
Suncorp has become the Principal Community Partner of the Queensland State Emergency Service (SES).As Queensland’s largest
insurer, Suncorp knows how important it is for households and communities to be prepared, as the immediate and long-lasting effects of
natural disasters on individuals, families and communities can be devastating. We’ve been protecting what matters for more than 100
years and pride ourselves on being there for our customers in the moments that matter. In 2020, Suncorp is taking their commitment to
Queensland one step further, with the announcement of our partnership with the Queensland State Emergency Service (Qld SES).The Qld
SES is the state’s leading emergency response agency, made up of volunteers from across the state – all with the aim of helping to build
resilient communities. Suncorp is looking forward to working with the Qld SES to help Queenslanders connect with their neighbours and
other vital support services to bring communities together to enable better preparation, response and recovery. The multi-year partnership
will see Suncorp sign on as the Principal Community Partner of the Qld SES and the two organisations band together to help communities
during their toughest times, as well as support the roll-out of community engagement and education campaigns, fund vital equipment for
SES volunteers and advance volunteerism across the state.
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Toyota Insurance Services to join Swiss Re (Switzerland) ADAS risk platform
53
Toyota Insurance Services1 (TIS)/Toyota Insurance Management Europe and Swiss Re are partnering up to further develop the Swiss Re ADAS risk
score. TIS is the next partner after BMW Group to join the ADAS risk score platform and will, as part of the partnership, make Toyota and Lexus vehicle
data available for the purpose of insurance scoring. On the journey towards autonomous vehicles, cars are increasingly equipped with advanced driving
assistance systems (ADAS) that actively support the driver in avoiding accidents. Insurers face the challenge of knowing which ADAS features are
installed in a vehicle, what their impact on safety is, and to what extent drivers use them. The ADAS risk score was launched by Swiss Re and BMW
Group in 2019 with the aim of solving this issue and developing a vehicle-specific insurance rating that primary insurers worldwide can use to calculate
insurance premiums, taking safety-relevant driver assistance systems into account. Through the partnership with TIS, ADAS risk scores will become
available also for Toyota and Lexus vehicles, allowing for a better assessment of their safety performance. The rollout of these risk scores is planned to
start in 2021 and will initially focus on European countries. Swiss Re intends to integrate other major car brands into the ADAS platform, thereby
creating an industry standard that benefits insurers in terms of healthier and better performing portfolios. It will also benefit car manufacturers by
supporting sales of ADAS-equipped vehicles, and, ultimately, car owners, who can benefit from a reduced total cost of ownership.
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