I

Insurope

27 Ave. des Arts, 1040 Brussels, Belgium; 32-2-286-5060; fax: 32-2-286-5070

1997 1996

Employees 19 19

U.S. 6 6

Non-U.S. 13 13

Foreign countries 66 66

Offices 5 5

Formed: 1966.

Member companies: A.G. 1824, Belgium; Al Wataniya, Morocco; Alte Leipziger, Germany; Asahi Mutual, Japan; BICO, Estonia; Bupa, United Kingdom; Baloise Life, Lichenstein, Switzerland; Barbados Mutual Life, Barbados; Basak Sigorta, Turkey; La Buenos Aires-New York Life Vida, Argentina; Bundeslander, Austria; China Life, Taiwan; Canada Life, United Kingdom; CRP, Czech Republic; Cigna Chile, Chile; Commercial Union Poland, Poland; Danica, Denmark; Delta Lloyd, Netherlands; Docthus, Argentina; Dong Ah, Korea; Drauda, Lithuania; El Pacifico-Peruano Suiza, Peru; Espana, Spain; Europa-Gan Biztosito, Hungary; Grupo Nacional Provincial, Mexico; La Fondiaria, Italy; Fortis-Luxembourg Assurances, Luxembourg; GAN, France, Monaco; Great Eastern, Malaysia, Singapore; HSBC Bamerindus, Brazil; Jiwasraya, Indonesia; Manulife, Hong Kong; National Mutual, Australia, New Zealand; Nippon Dantai, Japan; Nordben, Guernsey; Otcina, Slovakia; Philippine Life, Philippines; Provident Life, United States; Prudential, United States; Rigas, Latvia; Sanlam, South Africa; Siam Commercial Life, Thailand; Standard Life, Canada, Ireland; Tranquilidade, Portugal; SPP, Sweden; Storebrand, Norway; Universal Life, Cyprus, Greece; Varma-Sampo, Finland.

Minimum requirements: Two countries providing group contracts for multiple-employer pool; two countries and 100 lives for client-specific pool.

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

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

U.S. contact: Arden Church; 1 Selleck St., Norwalk, Conn. 06855; 203-854-9144.

J

John Hancock International Group Program

P.O. Box 111, Boston, Mass. 02117; 617-572-8677; fax: 617-572-8628

Formed: 1967.

Member companies: AB-AEGON Altalanos Biztosito Rt., Hungary; Aetna Universal Insurance Berhad, Malaysia; A.G. 1824, Belgium; AMEV Pensioen & Zorg, Netherlands; AMP Life Ltd., Australia, New Zealand; AXA-UAP, France; Ceska Pojistovna A.S., Czech Republic; Compania de Seguros, PALIC S.A., Dominican Repbulic; Consorico Nacional de Seguros S.A., Chile; The Dai-ichi Mutual Life Insurance Co., Japan; The ETHNIKI Hellenic General Insurance Co., Greece; Fortis Benefits Insurance Co., United States; Fortis Luxembourg Assurance, Luxembourg; Halk Yasam Sigorta A.S., Turkey; John Hancock Mutual Life Insurance Co., United States; The Insular Life Assurance Co. Ltd., Philippines; The Insurance Corp. of Singapore Ltd., Singapore; Irish Life Assurance P.L.C., Ireland; Maritime Life Assurance Co., Canada; The Muang Thai Life Assurance Co. Ltd., Thailand; National Mutual Insurance Co., Ltd., Hong Kong; Old Mutual, Zimbabwe; PFA Pension, Denmark; PPP healthcare, United Kingdom; P.T. Asuransi Jiwa Bumiputera John Hancock, Indonesia; Pam American de Colombia, Compania de Seguros de Vida S.A., Colombia; Pan American Life Insurance Co., Ecuador, Puerto Rico; Pictet & Cie, Switzerland; Rossiya Insurance Co., Russia; Royal & Sun Alliance Life & Pensions, United Kingdom; Sampo Life Insurance Co. Ltd., Finland; Samsung Life Insurance Co. Ltd., Korea; Seguros Monterrey Aetna S.A. Grupo Financiero Bancomer, Mexico; Seguros la Seguridad C.A., Venezuela; Shin Kong Life Insurance Co. Ltd., Taiwan; Societa Assicuratrice Industriale S.p.A., Italy; South African Mutual Lfe Assurance Society, South Africa; Storebrand Livsforsikring A.S., Norway; Sud America Terrestre y Maritima Compania de Seguros Generales S.A., Argentina; Sud America Vida y Pensiones, Spain; La Suisse Societe d'Assurance sur la Vie, Switzerland; Sul American Aetna Seguros e Previdencia S.A., Brazil; Varma-Sampo Mutual Pension Insurance Co., Finland; Victoria Lebensversicherung A.G., Germany; VICTORIA-Seguros S.A., Norway; VICTORIA-VOLKSBANKEN Versicherungs A.G., Austria; Warta Vita Life Assurance Co. Ltd., Poland.

U.S. contact: Geraldine F. Pangaro, second vp.