TABLE OF CONTENTS
OVERVIEW 1
Catalyst 1
Summary 1
INTRODUCTION 5
Reasons to purchase 5
INSURANCE TECHNOLOGY SPENDING 8
Spend by business functions 8
Technology spend by location 12
LIFE INSURANCE TECHNOLOGY SPENDING 16
Spend by business function 16
Spending by location 20
NON-LIFE INSURANCE TECHNOLOGY SPENDING 24
Spending by business function 24
Spending by location 28
APPENDIX 32
Further reading 32
How to contact experts in your industry 32
Disclaimer 32

LIST OF FIGURES
Figure 1: Insurance industry, the US, technology spend by function (%), 2007 8
Figure 2: Insurance industry, the US, technology spend by function ($m), 2008–13 10
Figure 3: Insurance industry, the US, technology spend by location (%), 2007 12
Figure 4: Insurance industry, the US, technology spend by location ($m), 2008–13 14
Figure 5: Life insurance, the US, technology spend by function (%), 2007 16
Figure 6: Life insurance, the US, technology spending by function ($m), 2008–13 18
Figure 7: Life insurance, the US, technology spending by location (%), 2007 20
Figure 8: Life insurance, the US, technology spending by location ($m), 2008–13 22
Figure 9: Non-life insurance, the US, technology spending by function (%), 2007 24
Figure 10: Non-life insurance, the US, technology spending by function ($m), 2008–13 26
Figure 11: Non-life insurance, the US, technology spending by location (%), 2007 28
Figure 12: Non-life insurance, the US, technology spending by location ($m), 2008–13 30

LIST OF TABLES
Table 1: Insurance business functions definitions 6
Table 2: Insurance lines of business definitions 7
Table 3: Insurance location definitions 7
Table 4: Insurance industry, the US, technology spend by function ($m), 2005–07 9
Table 5: Insurance industry, the US, technology spending by function ($m), 2008–13 11
Table 6: Insurance industry, the US, technology spending by location ($m), 2005–07 13
Table 7: Insurance industry, the US, technology spending by location ($m), 2008–13 15
Table 8: Life insurance, the US, technology spending by function ($m), 2005–07 17
Table 9: Life insurance, the US, technology spending by function ($m), 2008–13 19
Table 10: Life insurance, the US, technology spending by location ($m), 2005–07 21
Table 11: Life insurance, the US, technology spending by location ($m), 2008–13 23
Table 12: Non-life insurance, the US, technology spending by function ($m), 2005–07 25
Table 13: Non-life insurance, the US, technology spending by function ($m), 2008–13 27
Table 14: Non-life insurance, the US, technology spending by location ($m), 2005–07 29
Table 15: Non-life insurance, the US, technology spending by location ($m), 2008–13 31