BI ANNUAL DIRECTORY OF INTERNATIONAL BENEFIT NETWORKS

I

Insurope

Boulevard Bischoffsheim 39, Box 18, 1000 Brussels, Belgium; 32-2-217-8163; fax: 32-2-213-5660

1996 1995

Employees 19 19

U.S. 6 6

Non-U.S. 13 13

Foreign countries 66 66

Offices 5 5Formed: 1966.

Member companies: A.G. 1824, Belgium; Al Wataniya, Morocco; Alte Leipziger, Germany; Asahi Mutual, Japan; BUPA, United Kingdom; Baloise Life, Liechtenstein, Switzerland; Barbados Mutual Life, Antigua, Bahamas, Grenada, Guyana, Haiti, St. Kitts/Nevis/Anguilla, Trinidad and Tobago; Basak Sigorta, Turkey; British American, Cayman Islands; La Buenos Aires-New York Life Vida, Argentina; Bundeslander, Austria; China Life, Taiwan; Canada Life, United Kingdom; CRP, Czech Republic; CIGNA, United States; CIGNA Chile, Chile; Commercial Union, Poland; Danica, Denmark; Delta Lloyd, Netherlands; Docthus, Argentina; Dong Ah, South Korea; Ecuatoriana-Suiza, Ecuador; El Pacifico-Peruano, Peru; Espana, Spain; Europa-Gan Biztosito, Hungary; Grupo Nacional Provincial, Mexico; La Fondiaria, Italy; Fortis-Luxembourg Assurances, Luxembourg; GAN, France; G.A.T, Tunisia; Great Eastern, Malaysia and Singapore; Jiwasraya, Indonesia; Manulife, Hong Kong; National Mutual, Australia, New Zealand; Nippon Dantai, Japan; Otcina, Slovakia; Pension-Varma, Finland; Phillippine Life, Phillippines; Phoenix Home Life, Provident Life, Prudential, United States; Sanlam, South Africa; Siam Commercial Life, Thailand; Standard Life, Canada, Ireland; Tranquilidade, Portugal; SPP, Sweden; UNI Storebrand, Norway; Universal Life, Cyprus, Greece.

Minimum requirements: Two countries providing group contracts for multiple-employer pool; two countries and 200 lives for client-specific pool.

International dividends: Stop-loss system, loss carry-forward system.

Officers: Frank Smolar, deputy chairman-Insurope executive committee; Bernard Camaret, network manager; Jim Wallace, network actuary; Hugh Gallagher, sales/marketing manager.

U.S. contact: Robert Pickrell, president, 203-854-9144.