Speaker Presentations

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MONDAY, November 12

General Session
Global Retirement Market Research Findings

The Hartford conducted research into the global retirement market,
surveying consumers in the U.S., United Kingdom and Japan about
their retirement concerns. They will conduct the survey again this
year, adding Germany and possibly another country to the mix.
Findings of this survey will be unveiled at the Global Forum.

Lizabeth H. Zlatkus
President of International
Wealth Management and Group Benefits
Hartford Life Insurance Company

General Session
Non-Industry Speaker – Views on our industry

   A well-known investment analyst will give their insights on the state
   of the life insurance industry and how international expansion is
   viewed by the investment community.

   Joanne Smith
   Director - Equity Analyst
   Deutsche Asset Management


   General Session
   EDS Research Overview

Findings from the exclusive research on essential capabilities for
international growth completed by EDS will be presented and
discussed.

   Introduction
   Michael Pado
   President & CEO
   XL Life Re America
   Global Forum Research Chair

   John Mara
   Vice President, Global Insurance Industry
   EDS Global Financial Services Industry

   General Session

   International Executives share their insights on growth
   Respected industry leaders will share their own experiences about
   lessons learned in the development of international business.

   Moderator
   Gaetano Geretto
   President
   Pelecanus Strategic Advisory Services, Inc.

   Speakers
   EU Perspective
   Violeta Ciurel
   General Manager European & International Affairs
   ING Groep

   North American Perspective
   Maxine MacLure
   President and CEO
   Sagicor US

   Asian Perspective
   Gary M. Comerford
   Senior Vice President, International
   Sun Life Assurance Company of Canada

TUESDAY, November 13

General Session

   Global Expansion Debate: The Regulatory Angle
   Two regulatory experts will highlight the evolution in the regulatory
   requirements in international expansion and give their insights on the
   next phases in regulatory development.

   Moderator
   Philip Arthur
   Senior Partner
   Ernst & Young

   Speakers
   Nicholas Le Pan
   Chief Superintendent (retired)
   Office of the Superintendent of Financial Institutions, Canada

   Dr. Therese M. Vaughan
   Drake University
   (former IA Commissioner and NAIC President)

   General Session

   Insurance penetration in developing countries
   (e.g. Asia, the Middle East) Senior executives will give their views on
   opportunities in the developing world and contrast the challenges in
   this sphere with those of insurance practices in the developed world.

   Moderator
   Michael Pado
   President and CEO
   XL Life Re

   Speakers
   Violeta Ciurel
   General Manager European & International Affairs
   ING Groep

   Wilf Blackburn
   President
   Ayudhya Allianz CP Life Plc

    Handout

Closing Luncheon
Winning the Global Game

Global Economics Forecaster and
Expert on Global Investing and Business Strategy

   Jeffrey Rosensweig
   Director
   Global Perspectives Program at the
   Goizueta Business School
   Emory University