2009 Full Year Results: Operating income** = $699 million Net Premiums Written = $30.7 billion Net Investment Income = $3.3 billion CY Combined Ratio = 108.0; impacted by reserve strengthening AY 2009 Combined Ratio = 99.2; 2.6 point improvement from 2008 Worldwide statutory policyholder surplus = $38 billion; 6% increase from 2008
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