Evolving criteria : looking back to anticipate change moving forward

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      <subfield code="a">Evolving criteria</subfield>
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      <subfield code="a">2011 was a turbulent year for the insurance industry. Globally it was a record year for natural catastrophes, with economic losses of USD435  billion and insured losses of USD107 billion generated by 253 separate events. Much of the loss occurred in Asia Pacific. In the U.S., regional storm losses, new catastrophe models that more than doubled companies previous catastrophe exposure estimates and perceived weakening reserve positions are driving ratings discussions. In Europe, the debt crisis emerged as a potential threat to both the Eurozone economy and the common currency. All of these factors, coupled with continued soft cycle conditions and shrinking investment returns, continue to place pressure on the industrys profitability. Nonetheless, insurer capital remains at record high levels and half-year  2012 capital levels exceed all prior periods</subfield>
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