The insurance companies of the ACE Group serve a diverse range of clients: multinational corporations and local businesses with property and casualty exposures; companies and affinity groups looking to provide or offer accident and health insurance programs and life insurance to their employees or members; insurers seeking reinsurance coverage; and individuals purchasing life, personal accident, supplemental health and high-valued homeowners, automobile and umbrella insurance.

ACE Limited is the Swiss-incorporated parent company of the ACE Group and is listed on the New York Stock Exchange (NYSE: ACE). The ACE Group maintains executive offices in Zurich, Bermuda and New York, among other locations, and employs more than 15,000 people worldwide.

2008 Financial Highlights

(in millions of U.S. dollars except ratios)

Operating income   $ 2,591

Net income   $ 1,197

Shareholders’ equity   $14,446

Return on equity   16.8%

Combined ratio   89.6%