1. By Claude Penland, Associate of the Casualty Actuarial Society www.ClaudePenland.com 2013 Insurance Trends: Emerging Risks, Health Insurers, Education, Longevity Risk, Markets, Regulation, Sea Levels and Microinsurance.

2. Emerging Risks • Japanese Nuclear Civil Damage Claims Could Be Tens of Billions of Dollars • Governor of New York Wants Indian Point Nuclear Reactor Shut Down • - 10 Emerging Risks for Insurers and Reinsurers

3. Health Insurers • - Health Insurance Companies Are Entering Less Regulated Lines of Business • - Private Health Insurance in Demand in Asia

4. Education • - Actuarial Educators Network Launched by International Actuarial Association

5. Longevity Risk • - Longevity Swaps Considered in South Africa, Canada, Denmark and the Netherlands

6. Markets & Regulation • Insurance Exchange Planned in Shanghai, China • EIOPA Head Says EVERYONE MUST REMAIN CALM, Solvency II IS NOT A TRAIN WRECK • Potential Solvency II Insurance Regulations Ramifications • Switzerland’s Insurance Regulations Might Be Tougher Than Solvency II

7. Sea Levels • US East Coast Beaches Eroding • The Maldives are at risk of being Totally Submerged

8. Microinsurance • - Microinsurance is Exciting