XL Insurance – Business Mix

Product Mix(1)

Risk

Management

44%

Environmental

13%

Geographic Mix(2)

(1) Based on 9/30/01 non-life net premiums written.

(2) Based on 9/30/01 non-life gross premiums written.

Space and

Aviation

10%

Marine and Energy

8%

Professional Liability

8%

Programs,

Warranty

5%

War, Political Risk

3%

Surety

2%

Other

7%

US/Canada

49%

UK

14%

Benelux

3%

France

5%

Switzerland

9%

Germany

5%

Italy/Spain

3%

Other

12%

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