The rate of change and innovation occurring across the entire spectrum of society demands that a company like XL utilize the highest level of analytics and information to solve problems for our clients.

At XL we are continually focused on the rate of change, the increasingly interconnected world and the need to help our clients advance wherever their business occurs.

The elimination of unnecessary collateral requirements on foreign insurers and reinsurers is not only beneficial for the individual companies, but for the industry as a whole.

The rate of change and innovation occurring across the entire spectrum of society demands that a company like XL utilize the highest level of analytics and information to solve problems for our clients.

At XL, we tackle risk like no one else, analyzing deeper and listening closely to our clients to create solutions that unleash the world's capacity to advance. By helping our clients unlock their full potential, we fulfill our own. Our new brand demonstrates this unique outlook and the commitment and value we bring to clients.

XL is a world class brand with very successful insurance, reinsurance and life reinsurance businesses and I look forward to helping it realize its full potential.

From the very first time I talked to Safeco employees, I said the reality was expenses were too high and the reality is two-thirds of our expenses are people, so the reality is there will be effects on people.