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| New York, NY, USA Model Carrier 2007:
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| Executive Summary | 3 |
| Introduction | 5 |
| Model Carrier Components 2007 | 7 |
| Product Design and Development | 8 |
| Marketing | 11 |
| Distribution: Agent Portal | 14 |
| Distribution: Other Elements | 19 |
| Underwriting | 21 |
| Policy Administration | 26 |
| Service | 29 |
| Billing | 31 |
| Claims | 33 |
| Reinsurance | 38 |
| Infrastructure and Architecture | 40 |
| Technology Management | 43 |
| Conclusion | 46 |
| Appendix: Summary of Model Carrier Components and Metrics | 47 |
| Objectivity and Methodology | 51 |
| About Celent | 52 |
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