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Innovations in the Insurance Marketplace - US - November 2012

This report focuses on the many recent innovations that are being developed by the insurance industry. One primary focus is the significant activity occurring in the P&C sector in recent years. Telematics and other types of devices that allow for cost savings to the consumer along with potential benefits to the insurance companies are just beginning to exhibit their potential. On the health and wellness side, programs are proliferating in which health insurers are attempting to motivate people to develop habits that will benefit their health over the long term.

As a large portion of Americans now own smartphones and tablets (especially those 18 to 44), the market for apps continues to build. Apps now can be used not only for quick quotes but also as tools to learn more about product offerings, what the most healthful foods are when grocery shopping, or serve as digital “coaches” for losing weight and staying in shape.

There is also now more emphasis on the consumer and the community, as brands have undertaken projects such as construction of playgrounds for children to play safely, or setting up signs at intersections to caution drivers about motorcycles.

Some questions answered in this report include:

  • What are some of the primary focuses for innovation in the insurance industry?
  • How are companies conveying information about innovations in their messaging?
  • What do consumers think about some of the various devices and programs that are available to them?
  • How much do these devices and programs impact their purchase decision?

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Table of contents

  1. Scope and Themes

      • What you need to know
        • Data sources
          • Consumer survey data
            • Comperemedia
              • Abbreviations and terms
                • Abbreviations
                  • Terms
                    • Companies mentioned in this report:
                    • Executive Summary

                        • The market
                          • Net written premium is level over last five years
                            • Figure 1: Net premiums written, property & casualty life/health insurance, 2005-10
                          • Companies and brands
                            • The big three in auto are State Farm, GEICO, and Allstate
                              • Figure 2: Insurance provider for auto, homeowners and renters insurance, overall, June 2012
                            • Notable innovations
                              • Product innovations – P&C
                                • Product innovations – Life insurers and annuities
                                  • Innovations in health insurance and wellness
                                    • Online and mobile innovations
                                      • Innovations focusing on community interaction
                                        • Data analytics initiatives
                                          • Other innovative initiatives
                                            • The consumer
                                              • Switching behavior and the importance of quality claims service
                                                • Figure 3: Attitudes about insurance, filing claims, renewals, overall (agree strongly or somewhat) June 2012
                                              • Who is downloading apps? (by type of insurance)
                                                • Figure 4: Percentage of respondents who are mobile users who have downloaded an insurance app, by type of insurance, June 2012
                                              • Who is downloading auto insurance apps?
                                                • Figure 5: Percentage of respondents who have downloaded an auto insurance app, by gender/age, income, race/Hispanic origin, area, June 2012
                                              • The appeal of safe-driving devices
                                                • Figure 6: Interest in safe-driving devices, by presence of children in the household, June 2012
                                              • The consumer, telematics, and sensors
                                                • Figure 7: Ownership of, and interest in automobile telematics and sensors, overall, June 2012
                                              • Health and wellness programs
                                                • Figure 8: Health and wellness programs offered by employer and participation, overall, June 2012
                                              • Cluster analysis of the consumer data
                                                • What we think
                                                • Issues in the Market

                                                    • Insurers taking a more holistic view of the customer
                                                      • Commoditization is out, added value is in
                                                        • Industry analytics
                                                        • Insights and Opportunities

                                                          • Key points
                                                            • Future impact of telematics and sensors
                                                              • More consistent regulations – and more of them?
                                                                • Inspiration from other industries
                                                                  • A more customer-centric focus
                                                                  • Trend Applications

                                                                      • Trend: Immaterial World
                                                                        • Industry implications
                                                                          • Trend: The Nouveau Poor
                                                                            • Industry implications
                                                                              • 2015 Trend: Access Anything, Anywhere
                                                                                • Specifics
                                                                                  • Industry implications
                                                                                  • Market Size

                                                                                    • Key points
                                                                                      • Net written premium for 2010 totals $1 trillion
                                                                                        • Figure 9: Net premiums written, property & casualty life/health insurance, 2001-10
                                                                                        • Figure 10: Net premiums written, property & casualty and life/health insurance, adjusted for inflation, 2001-10
                                                                                    • Innovations in Marketing Channels – Interactive Websites

                                                                                      • Key points
                                                                                        • Interactive websites – examples
                                                                                          • Allstate’s online True Term life insurance
                                                                                            • Esurance’s Coverage Counselor
                                                                                              • Travelers Guide to Better Coverage
                                                                                                • Northwestern Mutual’s TheMint.org
                                                                                                  • UnitedHealthcare’s Health Care Lane
                                                                                                    • Humana’s MyWell-being.com
                                                                                                      • Azblue.com/WalkOn Kids’ cooking challenge
                                                                                                        • BCBS Kansas City’s Blue365 discounts website
                                                                                                          • Kaiser Permanente’s Mix It Up nutrition program
                                                                                                          • Innovations in Marketing Channels – Smartphone Apps

                                                                                                            • Key points
                                                                                                              • Take rate for apps depends on access to mobile devices
                                                                                                                • Figure 11: Types of mobile products owned, by age, June 2012
                                                                                                                • Figure 12: Types of mobile products owned, by race/ethnicity, June 2012
                                                                                                                • Figure 13: Types of mobile products owned, by household income, June 2012
                                                                                                              • New innovations in auto insurance apps
                                                                                                                • State Farm’s Driver Feedback App
                                                                                                                  • State Farm’s On the Move
                                                                                                                    • PhoneGuard
                                                                                                                      • Progressive’s Image Capture
                                                                                                                        • Progressive’s Mobile Quoting for Boats, Motorcycles, RVs
                                                                                                                          • State Farm’s 60-second text-to-quote for car insurance
                                                                                                                            • Allstate’s GoodRide
                                                                                                                              • Esurance RepairView
                                                                                                                                • Northwestern Mutual’s Financial Security game app
                                                                                                                                  • New innovations in health and wellness apps
                                                                                                                                    • Anthem’s Grocery Guide App
                                                                                                                                      • The Louisiana 2 Step mobile app
                                                                                                                                        • Duty Calls app for expectant fathers
                                                                                                                                          • UnitedHealthcare’s m.uhclatino.com
                                                                                                                                          • Innovations in Marketing Channels – Social Media

                                                                                                                                            • Key points
                                                                                                                                              • Social media campaigns as marketing channel
                                                                                                                                                • Allstate’s Save 11 campaign and STANDUP Act
                                                                                                                                                  • State Farm’s Cause an Effect
                                                                                                                                                    • Lincoln Financial’s Chief Life Officer photo contest
                                                                                                                                                      • Northwestern Mutual’s launch of Hearsay Social
                                                                                                                                                      • Innovations in Marketing Channels – Taking it to the Streets

                                                                                                                                                        • Key points
                                                                                                                                                          • Bringing brand messages to the local community
                                                                                                                                                            • Allstate’s “Once is Never Enough” motorcycle signs
                                                                                                                                                              • UnitedHealthcare’s health benefits store
                                                                                                                                                                • Humana building playgrounds with KaBOOM!
                                                                                                                                                                  • Blue Cross Blue Shield Association’s Play Streets
                                                                                                                                                                    • Humana’s New York City Wellness Week
                                                                                                                                                                      • WellPoint Kiosks
                                                                                                                                                                        • Kaiser Permanente Every Body Walk! campaign
                                                                                                                                                                        • Leading Companies

                                                                                                                                                                          • Key points
                                                                                                                                                                            • Property & Casualty Insurance
                                                                                                                                                                              • Figure 14: Leading property & casualty insurance companies, 2011
                                                                                                                                                                            • Life insurance
                                                                                                                                                                              • Figure 15: Leading Life/health insurance companies, 2011
                                                                                                                                                                            • Health insurers
                                                                                                                                                                              • Figure 16: Leading publicly traded health care insurance companies, 2011
                                                                                                                                                                            • Responses to PPACA by the healthcare insurance industry
                                                                                                                                                                              • UnitedHealth Group
                                                                                                                                                                                • WellPoint
                                                                                                                                                                                  • Amerigroup
                                                                                                                                                                                    • Kaiser
                                                                                                                                                                                      • Humana
                                                                                                                                                                                        • Aetna
                                                                                                                                                                                          • Coventry
                                                                                                                                                                                            • Cigna
                                                                                                                                                                                              • WellCare
                                                                                                                                                                                                • Blue Cross Blue Shield
                                                                                                                                                                                                  • The market for “dual eligibles”
                                                                                                                                                                                                    • The New Star Rating System for Medicare Advantage Plans
                                                                                                                                                                                                    • Insurance Providers – Market Share

                                                                                                                                                                                                      • Key points
                                                                                                                                                                                                        • State Farm is market share leader
                                                                                                                                                                                                          • Figure 17: Insurance provider for auto, homeowners and renters insurance , overall, June 2012
                                                                                                                                                                                                          • Figure 18: Insurance provider for auto insurance, by age, June 2012
                                                                                                                                                                                                          • Figure 19: Insurance provider for homeowners insurance, by age, June 2012
                                                                                                                                                                                                      • Innovation and Innovators – P&C Insurers

                                                                                                                                                                                                        • Key points
                                                                                                                                                                                                          • Allstate’s Drive Wise
                                                                                                                                                                                                            • Allstate’s Claim Satisfaction Guarantee
                                                                                                                                                                                                              • MetLife’s GrandProtect
                                                                                                                                                                                                                • Allstate’s Roadside Services improving
                                                                                                                                                                                                                  • Travelers IntelliDrive
                                                                                                                                                                                                                    • Travelers Protector Plan for events
                                                                                                                                                                                                                    • Innovation and Innovators – Life Insurers & Annuities

                                                                                                                                                                                                                      • Key points
                                                                                                                                                                                                                        • Allstate’s True Term Life Insurance
                                                                                                                                                                                                                          • State Farm’s Joint Universal Life Product
                                                                                                                                                                                                                            • Nationwide’s YourLife Indexed Universal Life
                                                                                                                                                                                                                              • Lincoln Financial’s Employee Value UL
                                                                                                                                                                                                                                • Allstate’s IncomeProtector and GrowthProtector annuities
                                                                                                                                                                                                                                  • New York Life’s Secure Term MVA Fixed Annuity
                                                                                                                                                                                                                                  • Innovation and Innovators – Health & Wellness

                                                                                                                                                                                                                                    • Key points
                                                                                                                                                                                                                                      • Making health insurance better
                                                                                                                                                                                                                                        • Aetna In Touch Care
                                                                                                                                                                                                                                          • WellPoint’s Care Comparison tool
                                                                                                                                                                                                                                            • UnitedHealthcare’s myHealthcare Cost Estimator
                                                                                                                                                                                                                                              • WellPoint’s venture with IBM’s Watson
                                                                                                                                                                                                                                                • WellPoint’s new online Zagat Survey tool
                                                                                                                                                                                                                                                  • WellPoint’s Comprehensive Primary Care Program
                                                                                                                                                                                                                                                    • Coventry First Health Value Plus
                                                                                                                                                                                                                                                      • Blue Cross’s Healthy Incentives program
                                                                                                                                                                                                                                                        • Wellness innovations
                                                                                                                                                                                                                                                          • Aetna’s MyBrainSolutions.com
                                                                                                                                                                                                                                                            • Aetna’s Mindfulness at Work and Vinivoga Stress Reduction
                                                                                                                                                                                                                                                              • Humana’s Active Outlook Walking Program
                                                                                                                                                                                                                                                                • HumanaVitality and Ubisoft’s fitness games
                                                                                                                                                                                                                                                                  • Humana and Walmart partner to offer healthy foods discounts
                                                                                                                                                                                                                                                                    • Kaiser Permanente’s Maintain Don’t Gain Program
                                                                                                                                                                                                                                                                      • UHC’s SimplyEngaged Plus Wellness Program
                                                                                                                                                                                                                                                                        • WellPoint and FitOrbit personal training
                                                                                                                                                                                                                                                                          • BCBSA Blue 356 program additions
                                                                                                                                                                                                                                                                            • Cigna’s Healthy Rewards program
                                                                                                                                                                                                                                                                            • Marketing Strategies

                                                                                                                                                                                                                                                                              • Key points
                                                                                                                                                                                                                                                                                • Overview
                                                                                                                                                                                                                                                                                  • Print advertising
                                                                                                                                                                                                                                                                                    • Allstate Claim Satisfaction Guarantee Insurance
                                                                                                                                                                                                                                                                                      • Allstate’s Save 11
                                                                                                                                                                                                                                                                                        • State Farm Auto Insurance
                                                                                                                                                                                                                                                                                          • Progressive’s Mobile App
                                                                                                                                                                                                                                                                                            • Liberty Mutual’s Responsibility Project
                                                                                                                                                                                                                                                                                              • BlueCross BlueShield of Illinois Playgrounds
                                                                                                                                                                                                                                                                                                • Humana Medicare Advantage and the Facebook page
                                                                                                                                                                                                                                                                                                  • Direct mail and email advertising
                                                                                                                                                                                                                                                                                                    • Aetna Health Reform Weekly
                                                                                                                                                                                                                                                                                                      • UnitedHealthcare Wellness Screenings
                                                                                                                                                                                                                                                                                                        • UPMC Family Fun Day
                                                                                                                                                                                                                                                                                                          • Blue Cross Blue Shield of Michigan Medicare
                                                                                                                                                                                                                                                                                                            • Online advertising
                                                                                                                                                                                                                                                                                                              • Allstate House and Home Insurance
                                                                                                                                                                                                                                                                                                                • Progressive’s Messsenger
                                                                                                                                                                                                                                                                                                                  • American Family Dreams
                                                                                                                                                                                                                                                                                                                    • Met Life Vision Plans
                                                                                                                                                                                                                                                                                                                      • BlueCross BlueShield of North Carolina
                                                                                                                                                                                                                                                                                                                        • Prudential VETalent
                                                                                                                                                                                                                                                                                                                          • Innovative uses of QR codes
                                                                                                                                                                                                                                                                                                                            • Allstate’s QR quote
                                                                                                                                                                                                                                                                                                                              • Anthem Blue Cross Blue Shield
                                                                                                                                                                                                                                                                                                                                • Progressive Snapshot
                                                                                                                                                                                                                                                                                                                                  • Allstate Mobile App
                                                                                                                                                                                                                                                                                                                                    • Television advertising
                                                                                                                                                                                                                                                                                                                                      • Liberty Mutual “Humans” Campaign
                                                                                                                                                                                                                                                                                                                                        • State Farm’s Celebratemydrive.com
                                                                                                                                                                                                                                                                                                                                          • GEICO’s Pet Possum
                                                                                                                                                                                                                                                                                                                                          • Consumer Attitudes about Purchasing Insurance and Filing Claims

                                                                                                                                                                                                                                                                                                                                            • Key points
                                                                                                                                                                                                                                                                                                                                              • Excellent service when filing claims is essential
                                                                                                                                                                                                                                                                                                                                                  • Figure 20: Attitudes about insurance, filing claims, renewals, June 2012
                                                                                                                                                                                                                                                                                                                                                  • Figure 21: Attitudes about insurance, filing claims, renewals, by gender, June 2012
                                                                                                                                                                                                                                                                                                                                                  • Figure 22: Attitudes about insurance, filing claims, renewals, by age, June 2012
                                                                                                                                                                                                                                                                                                                                                  • Figure 23: Attitudes about insurance, filing claims, renewals, by race/Hispanic origin, June 2012
                                                                                                                                                                                                                                                                                                                                              • The Consumer and Insurance Apps

                                                                                                                                                                                                                                                                                                                                                • Key points
                                                                                                                                                                                                                                                                                                                                                  • App downloads by product type
                                                                                                                                                                                                                                                                                                                                                      • Figure 24: Percentage of respondents who have downloaded an insurance app, by type of insurance, June 2012
                                                                                                                                                                                                                                                                                                                                                      • Figure 25: Percentage of respondents who have downloaded an auto insurance app, by gender/age, income, race/Hispanic origin, area, June 2012
                                                                                                                                                                                                                                                                                                                                                      • Figure 26: Percentage of respondents who have downloaded a homeowners insurance app, by gender/age, income, race/Hispanic origin, area, June 2012
                                                                                                                                                                                                                                                                                                                                                      • Figure 27: Percentage of respondents who have downloaded a health insurance app, by gender/age, income, race/Hispanic origin, area, June 2012
                                                                                                                                                                                                                                                                                                                                                      • Figure 28: Percentage of respondents who have downloaded a prescription drug coverage app, by gender/age, income, race/Hispanic origin, area, June 2012
                                                                                                                                                                                                                                                                                                                                                      • Figure 29: Percentage of respondents who have downloaded a whole/universal insurance app, by gender/age, income, race/Hispanic origin, area, June 2012
                                                                                                                                                                                                                                                                                                                                                    • Allstate above-average for app downloads
                                                                                                                                                                                                                                                                                                                                                      • Figure 30: Incidence of app download by auto insurance provider, June 2012
                                                                                                                                                                                                                                                                                                                                                      • Figure 31: Incidence of app download by homeowners insurance provider, June 2012
                                                                                                                                                                                                                                                                                                                                                  • Attitudes about Safe-Driving Devices

                                                                                                                                                                                                                                                                                                                                                    • Key points
                                                                                                                                                                                                                                                                                                                                                      • Interest in vehicle safety devices is fairly high
                                                                                                                                                                                                                                                                                                                                                        • Figure 32: Ownership of, and interest in automobile safety devices, June 2012
                                                                                                                                                                                                                                                                                                                                                      • Younger women express greater interest
                                                                                                                                                                                                                                                                                                                                                        • Figure 33: Interest in safe-driving devices, by gender, June 2012
                                                                                                                                                                                                                                                                                                                                                        • Figure 34: Interest in safe-driving devices, by age, June 2012
                                                                                                                                                                                                                                                                                                                                                        • Figure 35: Interest in safe-driving devices, by gender and age, June 2012
                                                                                                                                                                                                                                                                                                                                                        • Figure 36: Interest in safe-driving devices, by presence of children in the household, June 2012
                                                                                                                                                                                                                                                                                                                                                        • Figure 37: Interest in safe-driving devices, by race/Hispanic origin, June 2012
                                                                                                                                                                                                                                                                                                                                                        • Figure 38: Interest in safe-driving devices, by household income, June 2012
                                                                                                                                                                                                                                                                                                                                                    • Attitudes about Telematics and Sensors

                                                                                                                                                                                                                                                                                                                                                      • Key points
                                                                                                                                                                                                                                                                                                                                                        • Four in 10 interested in having a telematics device
                                                                                                                                                                                                                                                                                                                                                          • Figure 39: Ownership of, and interest in automobile telematics and sensors, June 2012
                                                                                                                                                                                                                                                                                                                                                          • Figure 40: Interest in vehicle telematics and sensors, June 2012
                                                                                                                                                                                                                                                                                                                                                          • Figure 41: Interest in vehicle telematics and sensors, by age, June 2012
                                                                                                                                                                                                                                                                                                                                                          • Figure 42: Interest in vehicle telematics and sensors, by gender and age, June 2012
                                                                                                                                                                                                                                                                                                                                                          • Figure 43: Interest in vehicle telematics and sensors, by presence of children, June 2012
                                                                                                                                                                                                                                                                                                                                                          • Figure 44: Interest in vehicle telematics and sensors, by race/Hispanic origin, June 2012
                                                                                                                                                                                                                                                                                                                                                          • Figure 45: Interest in vehicle telematics and sensors, by household income, June 2012
                                                                                                                                                                                                                                                                                                                                                      • Participation in Health and Wellness Programs

                                                                                                                                                                                                                                                                                                                                                        • Key points
                                                                                                                                                                                                                                                                                                                                                          • Health and wellness program participation
                                                                                                                                                                                                                                                                                                                                                            • Figure 46: Health and wellness programs offered by employer, and participation, June 2012
                                                                                                                                                                                                                                                                                                                                                            • Figure 47: Participation in health and wellness programs, by gender, June 2012
                                                                                                                                                                                                                                                                                                                                                            • Figure 48: Participation in health and wellness programs, by age, June 2012
                                                                                                                                                                                                                                                                                                                                                            • Figure 49: Participation in health and wellness programs, by race/Hispanic origin, June 2012
                                                                                                                                                                                                                                                                                                                                                        • Cluster Analysis

                                                                                                                                                                                                                                                                                                                                                            • Cluster characteristics
                                                                                                                                                                                                                                                                                                                                                              • Direct Preferrers
                                                                                                                                                                                                                                                                                                                                                                • Demographics
                                                                                                                                                                                                                                                                                                                                                                  • Characteristics
                                                                                                                                                                                                                                                                                                                                                                    • Opportunity
                                                                                                                                                                                                                                                                                                                                                                      • Agent Loyalists
                                                                                                                                                                                                                                                                                                                                                                        • Demographics
                                                                                                                                                                                                                                                                                                                                                                          • Characteristics
                                                                                                                                                                                                                                                                                                                                                                            • Opportunity
                                                                                                                                                                                                                                                                                                                                                                              • The Uninvolveds
                                                                                                                                                                                                                                                                                                                                                                                • Demographics
                                                                                                                                                                                                                                                                                                                                                                                  • Characteristics
                                                                                                                                                                                                                                                                                                                                                                                    • Opportunity
                                                                                                                                                                                                                                                                                                                                                                                      • Active Shoppers
                                                                                                                                                                                                                                                                                                                                                                                        • Demographics
                                                                                                                                                                                                                                                                                                                                                                                          • Characteristics
                                                                                                                                                                                                                                                                                                                                                                                            • Opportunity
                                                                                                                                                                                                                                                                                                                                                                                              • Cluster tables:
                                                                                                                                                                                                                                                                                                                                                                                                • Figure 50: Clusters, proportion of total, April 2012
                                                                                                                                                                                                                                                                                                                                                                                                • Figure 51: Types of insurance products owned, by cluster, June 2012
                                                                                                                                                                                                                                                                                                                                                                                                • Figure 52: Auto Insurance and health insurance apps downloaded, by cluster, June 2012
                                                                                                                                                                                                                                                                                                                                                                                                • Figure 53: Auto insurance provider, by cluster, June 2012
                                                                                                                                                                                                                                                                                                                                                                                                • Figure 54: Homeowners insurance provider, by cluster, June 2012
                                                                                                                                                                                                                                                                                                                                                                                                • Figure 55: Have safe driving, telematics and sensors currently installed in auto, by cluster, June 2012
                                                                                                                                                                                                                                                                                                                                                                                                • Figure 56: Interest in having safe driving, telematics or sensor devices installed, by cluster, June 2012
                                                                                                                                                                                                                                                                                                                                                                                                • Figure 57: Attitudes about personal lines insurance , by cluster, June 2012
                                                                                                                                                                                                                                                                                                                                                                                              • Cluster demographic tables:
                                                                                                                                                                                                                                                                                                                                                                                                • Figure 58: Cluster demographics, by gender, June 2012
                                                                                                                                                                                                                                                                                                                                                                                                • Figure 59: Cluster demographics, by age, June 2012
                                                                                                                                                                                                                                                                                                                                                                                                • Figure 60: Cluster demographics, by household income, June 2012
                                                                                                                                                                                                                                                                                                                                                                                                • Figure 61: Cluster demographics, by ethnicity, June 2012
                                                                                                                                                                                                                                                                                                                                                                                            • CHAID Analysis

                                                                                                                                                                                                                                                                                                                                                                                              • Methodology
                                                                                                                                                                                                                                                                                                                                                                                                • Looking at the appeal of devices and sensors
                                                                                                                                                                                                                                                                                                                                                                                                  • Figure 62: Innovation in the Insurance Marketplace– CHAID – Example tree output, June 2012
                                                                                                                                                                                                                                                                                                                                                                                                  • Figure 63: Innovation in the Insurance Marketplace – CHAID output table, June 2012
                                                                                                                                                                                                                                                                                                                                                                                              • Appendix: Trade Associations and Agencies

                                                                                                                                                                                                                                                                                                                                                                                                Companies Covered

                                                                                                                                                                                                                                                                                                                                                                                                • Aetna Inc.
                                                                                                                                                                                                                                                                                                                                                                                                • Aflac Incorporated
                                                                                                                                                                                                                                                                                                                                                                                                • AIG Group (American International Group Inc)
                                                                                                                                                                                                                                                                                                                                                                                                • Allstate Corporation (The)
                                                                                                                                                                                                                                                                                                                                                                                                • American Association of Retired Persons (AARP)
                                                                                                                                                                                                                                                                                                                                                                                                • Berkshire Hathaway Inc
                                                                                                                                                                                                                                                                                                                                                                                                • CIGNA Corporation
                                                                                                                                                                                                                                                                                                                                                                                                • Government Employees Insurance Company
                                                                                                                                                                                                                                                                                                                                                                                                • Humana Inc
                                                                                                                                                                                                                                                                                                                                                                                                • Liberty Mutual Holding Company Inc.
                                                                                                                                                                                                                                                                                                                                                                                                • MassMutual (Massachusetts Mutual Life Insurance Company)
                                                                                                                                                                                                                                                                                                                                                                                                • MetLife, Inc.
                                                                                                                                                                                                                                                                                                                                                                                                • Nationwide Mutual Insurance Company
                                                                                                                                                                                                                                                                                                                                                                                                • New York Life Insurance Company
                                                                                                                                                                                                                                                                                                                                                                                                • Northwestern Mutual Life Insurance Company (The)
                                                                                                                                                                                                                                                                                                                                                                                                • Prudential Financial, Inc
                                                                                                                                                                                                                                                                                                                                                                                                • State Farm Insurance Companies
                                                                                                                                                                                                                                                                                                                                                                                                • The Hartford Financial Services Group, Inc.
                                                                                                                                                                                                                                                                                                                                                                                                • The Progressive Corporation
                                                                                                                                                                                                                                                                                                                                                                                                • USAA
                                                                                                                                                                                                                                                                                                                                                                                                • WellPoint, Inc.

                                                                                                                                                                                                                                                                                                                                                                                                Innovations in the Insurance Marketplace - US - November 2012

                                                                                                                                                                                                                                                                                                                                                                                                US $3,995.00 (Excl.Tax)