According to Ross Winkelman, consulting actuary with the Denver office of
Milliman and lead researcher for the new study, "The time is ripe for a re-
evaluation of the models and software that are being used in the health care
marketplace.

This category is for any site related to actuarial science and the actuarial profession, members of whom are called actuaries.

Actuaries make a difference .

underwriting suitability

31, 2005, is "right on point," according to an Aon expert.soa.

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Further information concerning the Company and its business, including factors
that potentially could materially affect the Company 's financial results, is
contained in the Company's filings with the Securities and Exchange
Commission .

whereby medically

S. Because of changes in mortgage loan documents, the servicers may
have a more difficult time demanding terrorism coverage if TRIA is not
extended.

Aon Corporation (NYSE: http://www.

The Society of Actuaries is an educational, research and professional
organization dedicated to serving the public and its 18,000 members.

whereby actuarial

aon.

What is an actuary? Consider the following description from BeAnActuary.

Their calculations and projections are the backbone of the insurance and financial security industries.

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Backed by broad resources, industry knowledge and technical expertise, Aon
professionals help a wide range of clients develop effective risk management
and workforce productivity solutions . To learn
more, visit http://www.

Actuarial work involves lots of math, but actuaries must also be up-to-date on business issues and trends, social science, law, and economics.

Actuaries are key players on a company's management team.

'

examined actuarial

If premiums for
terrorism coverage go up, the Fitch report stated that servicers may no longer
be able to rely on the language of the loan documents to enforce the terrorism
insurance requirements, and this may result in an unnecessary disruption to
the CMBS market." Milliman USA is in the process of acquiring currently available
health predictive modeling software. The study is expected to be completed in
Fall 2006.

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Potential factors that could impact
results include: general economic conditions in different countries in which
we do business around the world, changes in global equity and fixed income
markets that could affect the return on invested assets, fluctuations in
exchange and interest rates that could influence revenue and expense, rating
agency actions that could affect our ability to borrow funds, funding of our
various pension plans, changes in the competitive environment, changes in
commercial property and casualty markets and commercial premium rates that
could impact revenues, changes in revenues and earnings due to the elimination
of contingent commissions, other uncertainties surrounding a new compensation
model, the impact of regulatory investigations brought by state attorneys
general and state insurance regulators related to our compensation
arrangements with underwriters and related issues, the impact of class actions
and individual lawsuits including client class actions, securities class
actions , derivative actions, and ERISA class actions, the cost of resolution
of other contingent liabilities and loss contingencies, and the difference in
ultimate paid claims in our underwriting companies from actuarial estimates. With advances in technology and greater health information
available, these tools continue to push the envelope for health claim
prediction.

com:
'Actuaries put a price tag on future risks.

Actuaries make financial sense of the future.

whereby projections

, Expanding on its seminal 2002
study report, A Comparative Analysis of Claims-based Methods of Health Risk
Assessment for Commercial Populations, the Society of Actuaries (SOA)
announced today the appointment of Milliman USA to produce an updated version
of the study.
Software vendors may contact Steven Siegel , SOA research actuary, at
847-706-3578 for further details and requirements for participation in the
study.

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Terrorism Risk Insurance Act (TRIA) for two more years when
it expires on Dec.com/cgi -bin/prnh/20041215/CGW049LOGO )
"Aon completely agrees with Fitch's analysis of the potential impact on
the real estate loan origination and servicing market if TRIA expires," said
Aaron Davis , a vice president in National Property Syndication.

philanthropic profession

(Logo: http://www. "In fact, the
issue could be more serious than it was immediately after 9/11 as many pre-
9/11 loan agreements did not specify the need for terrorism coverage.

Society of Actuaries Announces New Health Claim Predictive Modeling Software Study

The
SOA's mission is to advance actuarial knowledge and to enhance the ability of
actuaries to provide expert advice and relevant solutions for financial,
business and societal problems involving uncertain future events.

But don't let that small number fool you.

They are well paid, and they like what they do for a living.

contingencies underwriting

soa.

uncertain philanthropic

org/ccm/content/?categoryID=327001 .

The actuarial profession numbers only about 19,000 people in North America.

examined spreadsheet

Contact:
Al Orendorff
312-381-3153

This press release contains certain statements related to future results ,
or states our intentions, beliefs and expectations or predictions for the
future which are forward -looking statements as that term is defined in the
Private Securities Litigation Reform Act of 1995 .

grads casualty

newscom."
The Fitch report predicted that a potential TRIA expiration would also
adversely affect commercial mortgage-backed securities (CMBS) servicers, who
currently enforce the inclusion of terrorism coverage on the loans they
service. Vendors Invited to Participate

SCHAUMBURG, Ill. With the passage of three years and the continuous refinement
of these methodologies and software, the SOA strongly felt a fresh look at the
tools would provide immediate practical benefits to the health care community. Vendors are encouraged to review the 2002 report, which can be found on
the SOA Web site at: http://www.

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"Many of these commercial loans allow
the borrower to stop buying terrorism coverage if the costs are more than two
times their 'all-risk' property pricing," Davis says. There
are 47,000 employees working in Aon's 500 offices in more than 120 countries .

medically uncertain

Aon Agrees With Fitch Report Predicting CMBS Disruption if TRIA Expires

underwriting casualty

Commercial Real Estate Benefits if TRIA Extended

CHICAGO, A recent report by Fitch Ratings
suggesting a benefit to the U.

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The 2002 report, which evaluated the state of the art in
predictive modeling software for health care claims at that time, provided an
unbiased forum for comparing the technology and methodologies then available
in the market. The
SOA's vision is for actuaries -- business professionals who analyze the
financial consequence of risk -- to be recognized as the leading professional
in the modeling and management of financial risk and contingent events.

They have been called financial architects and social mathematicians because their unique combination of analytical and business skills is helping to solve a growing variety of financial and social problems.

If youve never met an actuary , thats not unusual.

In other words, actuaries have a well-rounded business approach to problem solving .

whereby uncertain

commercial real estate market if Congress
extends the U.

To be more specific, actuaries improve financial decision making by developing models to evaluate the current financial implications of uncertain future events.

Actuaries put their special problem-solving skills to work in many different business situations, and their work has had an influence on peoples lives for more than a century.

projections medically

S.
Davis said that currently, most of the new loans include specific language
about terrorism insurance requirements . These forward-looking
statements are subject to certain risks and uncertainties that could cause
actual results to differ materially from either historical or anticipated
results depending on a variety of factors.

actuary suitability

com ) is a leading provider
of risk management services, insurance and reinsurance brokerage, human
capital and management consulting, and specialty insurance underwriting .

projections flexibility

And they must be good communicators to explain things to nonactuaries.

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spreadsheet uncertain

org .