Historical Methodology

• Detailed ground-up study performed annually since 1988

• Individually analyzed policyholders representing over 90% of payments

• Analysis includes:

  • Coverage provided
  • Payments
  • Pending claims
  • Jurisdiction, attorneys involved, defenses, etc.

• Evaluation of reinsurance coverage and collectibility

• Evaluation of public information on active policyholders and pending disputes

• Independent corporate actuarial review and examination by KPMG actuaries in connection with annual audit

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