<SEC-DOCUMENT>0001095073-21-000004.txt : 20210209
<SEC-HEADER>0001095073-21-000004.hdr.sgml : 20210209
<ACCEPTANCE-DATETIME>20210208173717
ACCESSION NUMBER:		0001095073-21-000004
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20210208
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20210209
DATE AS OF CHANGE:		20210208

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			EVEREST RE GROUP LTD
		CENTRAL INDEX KEY:			0001095073
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				980365432
		STATE OF INCORPORATION:			D0
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15731
		FILM NUMBER:		21602757

	BUSINESS ADDRESS:	
		STREET 1:		SEON PLACE, 4TH FLOOR
		STREET 2:		141 FRONT STREET
		CITY:			HAMILTON
		STATE:			D0
		ZIP:			HM 19
		BUSINESS PHONE:		4412950006

	MAIL ADDRESS:	
		STREET 1:		C/O REINSURANCE HOLDINGS INC
		STREET 2:		477 MARTINSVILLE RD PO BOX 830
		CITY:			LIBERTY CORNER
		STATE:			NJ
		ZIP:			07938

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	EVEREST REINSURANCE GROUP LTD
		DATE OF NAME CHANGE:	19990915
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>re-20210208.htm
<DESCRIPTION>GROUP 4Q20 EARNINGS RELEASE 8-K
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!--Inline XBRL document created by Certent CDM HD version: 20.11.1 -->
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:re="http://www.everestre.com/20210208" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:net="http://www.xbrl.org/2009/role/net" xmlns:us-gaap="http://fasb.org/us-gaap/2020-01-31" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:us-types="http://fasb.org/us-types/2020-01-31" xmlns:srt-types="http://fasb.org/srt-types/2020-01-31" xmlns:us-roles="http://fasb.org/us-roles/2020-01-31" xmlns:srt="http://fasb.org/srt/2020-01-31" xmlns:srt-roles="http://fasb.org/srt-roles/2020-01-31" xmlns:country="http://xbrl.sec.gov/country/2020-01-31" xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" version="-//XBRL International//DTD XHTML Inline XBRL 1.1//EN" xml:lang="en-US">
<head><title>re-20210208</title>
<meta http-equiv="Content-Type" content="text/html" />
</head>
<body style="background-color:RGB(230, 230, 230);font-family:Times New Roman;font-style:normal;font-size:14.64px;font-weight:normal;font-stretch:normal;color:#000000;">
<div style="display:none;">
<ix:header>
<ix:hidden>
<ix:nonNumeric id="ID_1" name="dei:AmendmentFlag" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073" format="ixt:booleanfalse">FALSE</ix:nonNumeric>
<ix:nonNumeric id="ID_19" name="dei:EntityCentralIndexKey" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073">0001095073</ix:nonNumeric>
</ix:hidden>

<ix:references xml:lang="en-US"><link:schemaRef xlink:href="re-20210208.xsd" xlink:type="simple" /></ix:references>
<ix:resources>

  <xbrli:context id="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073">

    <xbrli:entity>

      <xbrli:identifier scheme="http://www.sec.gov/CIK">0001095073</xbrli:identifier>

    </xbrli:entity>

    <xbrli:period>

      <xbrli:startDate>2021-02-08</xbrli:startDate>

      <xbrli:endDate>2021-02-08</xbrli:endDate>

    </xbrli:period>

  </xbrli:context>


</ix:resources>
</ix:header>
</div>
<div id="fixed-layout-inline-document" style="display:none;"></div><div id="Doc1" style="background-color:RGB(230, 230, 230);line-height:normal;font-family:Times New Roman;font-size:14.64px;font-weight:400;">
<div style="padding: 7px">
<div id="Page1" style="background-color:RGB(256, 256, 256);position:relative;margin-left:auto;margin-right:auto;overflow:hidden;border-style:solid;border-width:thin;border-color:RGB(198, 198, 198);page-break-after:always;width:816px;height:1056px;">
<div style="position:absolute; width:710.5px; height:1px; left:48.1px; top:362.1px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:710.5px; height:1px; left:48.5px; top:481.8px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:700.1px; height:2px; left:53.7px; top:574.8px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:28.9px; height:1px; left:164.8px; top:788.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:101.1px; height:1px; left:336.7px; top:788.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:194px; height:1px; left:507.3px; top:788.6px; background-color:#000000; ">&#160;</div>
<div id="a0" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-weight:bold;left:339.867px;top:72.4px;">UNITED STATES </div><div id="a2" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-weight:bold;left:231.467px;top:86.5px;">SECURITIES AND EXCHANGE COMMISSION </div><div id="a4" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;font-weight:bold;left:334.587px;top:102.2px;">Washington, D.C. 20549 </div><div id="a6" style="position:absolute;font-family:'Times New Roman';left:403.707px;top:114.4px;">&#160;</div><div id="a7" style="position:absolute;font-family:'Times New Roman';font-size:24px;font-weight:bold;left:344.747px;top:130.9px;">FORM </div><div id="a7_5_3" style="position:absolute;font-family:'Times New Roman';font-size:24px;font-weight:bold;left:424.027px;top:130.9px;"><ix:nonNumeric id="ID_0" name="dei:DocumentType" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073">8-K</ix:nonNumeric></div><div id="a7_8_1" style="position:absolute;font-family:'Times New Roman';font-size:24px;font-weight:bold;left:462.693px;top:130.9px;"> </div><div id="a11" style="position:absolute;font-family:'Times New Roman';left:403.707px;top:155.4px;">&#160;</div><div id="a12" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-weight:bold;left:228.187px;top:167.4px;">Current Report Pursuant to Section 13 OR 15(d) of </div><div id="a14" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-weight:bold;left:279.067px;top:180.8px;">The Securities Exchange Act of 1934 </div><div id="a16" style="position:absolute;font-family:'Times New Roman';left:403.707px;top:195.4px;">&#160;</div><div id="a17" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:277.307px;top:209.8px;">Date of Report (Date of earliest event reported) </div><div id="a19" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:357.947px;top:223.2px;"><ix:nonNumeric id="ID_7" name="dei:DocumentPeriodEndDate" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073" format="ixt:datemonthdayyearen">February 8, 2021</ix:nonNumeric></div><div id="a19_16_1" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:449.493px;top:223.2px;"> </div><div id="a23" style="position:absolute;font-family:'Times New Roman';left:403.707px;top:235.4px;">&#160;</div><div id="a24" style="position:absolute;font-family:'Times New Roman';left:403.707px;top:248.7px;">&#160;</div><div id="a25" style="position:absolute;font-family:'Times New Roman';font-size:24px;font-weight:bold;left:283.387px;top:265.2px;"><ix:nonNumeric id="ID_8" name="dei:EntityRegistrantName" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073">Everest Re Group, Ltd.</ix:nonNumeric></div><div id="a25_22_1" style="position:absolute;font-family:'Times New Roman';font-size:24px;font-weight:bold;left:523.973px;top:265.2px;"> </div><div id="a28" style="position:absolute;font-family:'Times New Roman';left:403.707px;top:292.6px;">&#160;</div><div id="a29" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:55.68px;top:307.7px;">(Exact name of registrant as specified in its charter) </div><div id="a31" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:319.8px;">&#160;</div><div id="a32" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:142.4px;top:334.3px;"><ix:nonNumeric id="ID_13" name="dei:EntityIncorporationStateCountryCode" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073" format="ixt-sec:edgarprovcountryen">Bermuda</ix:nonNumeric></div><div id="a34" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:381.547px;top:334.3px;"><ix:nonNumeric id="ID_2" name="dei:EntityFileNumber" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073">1-15731</ix:nonNumeric></div><div id="a38" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:608.373px;top:334.3px;"><ix:nonNumeric id="ID_14" name="dei:EntityTaxIdentificationNumber" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073">98-0365432</ix:nonNumeric></div><div id="a45" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:96.72px;top:372.3px;">(State or other jurisdiction </div><div id="a47" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:367.787px;top:372.3px;">(Commission </div><div id="a49" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:599.973px;top:372.3px;">(IRS Employer </div><div id="a51" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:121.52px;top:385.7px;">of incorporation) </div><div id="a53" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:367.627px;top:385.7px;">File Number) </div><div id="a55" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:590.933px;top:385.7px;">Identification No.) </div><div id="a60" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:224.587px;top:413.7px;"><ix:nonNumeric id="ID_15" name="dei:EntityAddressAddressLine1" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073">Seon Place &#8211; 4th Floor</ix:nonNumeric></div><div id="a65" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:242.027px;top:427px;"><ix:nonNumeric id="ID_3" name="dei:EntityAddressAddressLine2" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073">141 Front Street</ix:nonNumeric></div><div id="a68" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:239.947px;top:440.3px;"><ix:nonNumeric id="ID_9" name="dei:EntityAddressAddressLine3" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073">PO Box HM 845</ix:nonNumeric></div><div id="a70" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:211.627px;top:453.7px;"><ix:nonNumeric id="ID_16" name="dei:EntityAddressCityOrTown" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073">Hamilton</ix:nonNumeric></div><div id="a70_9_5" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:265.387px;top:453.7px;"><ix:nonNumeric id="ID_4" name="dei:EntityAddressPostalZipCode" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073">HM 19</ix:nonNumeric></div><div id="a70_14_2" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:303.467px;top:453.7px;">, </div><div id="a70_16_7" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:310.187px;top:453.7px;"><ix:nonNumeric id="ID_17" name="dei:EntityAddressCountry" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073" format="ixt-sec:countrynameen">Bermuda</ix:nonNumeric></div><div id="a72" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:599.653px;top:453.7px;">Not Applicable </div><div id="a77" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:179.467px;top:492px;">(Address of principal executive offices) </div><div id="a79" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:611.093px;top:492px;">(Zip Code) </div><div id="a81" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:504.2px;">&#160;</div><div id="a82" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:226.907px;top:518.6px;">Registrant&#8217;s telephone number, including area code </div><div id="a82_51_3" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:504.986px;top:518.6px;"><ix:nonNumeric id="ID_18" name="dei:CityAreaCode" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073">441</ix:nonNumeric></div><div id="a82_54_1" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:525.013px;top:518.6px;">-</div><div id="a82_55_8" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:529.493px;top:518.6px;"><ix:nonNumeric id="ID_10" name="dei:LocalPhoneNumber" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073">295-0006</ix:nonNumeric></div><div id="a82_63_1" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:580.533px;top:518.6px;"> </div><div id="a88" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:403.707px;top:532px;">&#160;</div><div id="a89" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:362.747px;top:545.4px;">Not Applicable </div><div id="a91" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:55.68px;top:558.7px;">&#160;</div><div id="a92" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:55.68px;top:575.4px;">(Former name or former address, if changed since last report.) </div><div id="a95" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:55.68px;top:589.9px;">&#160;</div><div id="a96" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:55.68px;top:602px;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant </div><div id="a99" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:55.68px;top:615.4px;">under any of the following provisions (see General Instruction A.2. below): </div><div id="a101" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:55.68px;top:629.9px;">&#160;</div><div id="a102" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:55.68px;top:642px;"><ix:nonNumeric id="ID_5" name="dei:WrittenCommunications" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></div><div id="a103" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:67.6px;top:642px;"><div style="display:inline-block;width:3.28px">&#160;</div>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) </div><div id="a107" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:55.68px;top:656.6px;">&#160;</div><div id="a108" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:55.68px;top:668.7px;"><ix:nonNumeric id="ID_11" name="dei:SolicitingMaterial" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></div><div id="a109" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:67.6px;top:668.7px;"><div style="display:inline-block;width:3.36px">&#160;</div>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) </div><div id="a116" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:55.68px;top:683.3px;">&#160;</div><div id="a117" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:55.68px;top:695.4px;"><ix:nonNumeric id="ID_12" name="dei:PreCommencementTenderOffer" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></div><div id="a118" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:67.6px;top:695.4px;"><div style="display:inline-block;width:3.36px">&#160;</div>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) </div><div id="a128" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:55.68px;top:709.9px;">&#160;</div><div id="a129" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:55.68px;top:722px;"><ix:nonNumeric id="ID_20" name="dei:PreCommencementIssuerTenderOffer" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></div><div id="a130" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:67.6px;top:722px;"><div style="display:inline-block;width:3.36px">&#160;</div>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) </div><div id="a139" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:55.68px;top:735.4px;">&#160;</div><div id="a140" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:55.68px;top:748.7px;">Securities registered pursuant to Section 12(b) of the Act:<div style="display:inline-block;width:6.25px">&#160;</div></div><div id="a142" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:765.7px;">&#160;</div><div id="a143" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:165.227px;top:775.4px;">Class </div><div id="a146" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:337.147px;top:775.4px;">Trading Symbol(s) </div><div id="a149" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:507.653px;top:775.4px;">Name of Exchange where registered </div><div id="a151" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;font-weight:bold;left:85.6px;top:788.7px;"><ix:nonNumeric id="ID_23" name="dei:Security12bTitle" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073">Common Shares, $0.01 par value</ix:nonNumeric></div><div id="a154" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;font-weight:bold;left:378.427px;top:788.7px;"><ix:nonNumeric id="ID_22" name="dei:TradingSymbol" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073">RE</ix:nonNumeric></div><div id="a157" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;font-weight:bold;left:528.533px;top:788.7px;"><ix:nonNumeric id="ID_21" name="dei:SecurityExchangeName" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></div><div id="a159" style="position:absolute;font-family:'Times New Roman';font-size:8px;left:55.68px;top:807.6px;">&#160;</div><div id="a160" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:55.68px;top:815.4px;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of </div><div id="a161" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:55.68px;top:828.7px;">1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter). </div><div id="a170" style="position:absolute;font-family:'Times New Roman';font-size:10.64px;left:55.68px;top:844.5px;">&#160;</div><div id="a171" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:593.893px;top:855.4px;">Emerging growth company</div><div id="a172" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:739.84px;top:855.4px;"><ix:nonNumeric id="ID_6" name="dei:EntityEmergingGrowthCompany" contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></div><div id="a173" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:751.76px;top:855.4px;"><div style="display:inline-block;width:3.28px">&#160;</div></div><div id="a175" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:55.68px;top:868.7px;">&#160;</div><div id="a176" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:55.68px;top:882px;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for </div><div id="a179" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:55.68px;top:895.4px;">complying with any new or revised financial accounting standards provided pursuant to Section 12(a) of the Exchange Act.<div style="display:inline-block;width:2.23px">&#160;</div></div><div id="a182" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:720.72px;top:895.4px;">&#9744;</div><div id="a183" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:732.56px;top:895.4px;">&#160;</div></div>
</div>
<div style="padding: 7px">
<div id="Page2" style="background-color:RGB(256, 256, 256);position:relative;margin-left:auto;margin-right:auto;overflow:hidden;border-style:solid;border-width:thin;border-color:RGB(198, 198, 198);page-break-after:always;width:816px;height:1056px;">
<div style="position:absolute; width:48.9px; height:1px; left:198.5px; top:377.2px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:68.4px; height:1px; left:198.5px; top:403.9px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:68.4px; height:1px; left:454.5px; top:403.9px; background-color:#000000; ">&#160;</div>
<div id="a184" style="position:absolute;font-family:'Times New Roman';font-weight:bold;left:55.68px;top:69.4px;">ITEM 2.02 </div><div id="a186" style="position:absolute;font-family:'Times New Roman';font-weight:bold;left:146.907px;top:69.4px;">DISCLOSURE OF RESULTS<div style="display:inline-block;width:5.26px">&#160;</div>OF OPERATIONS<div style="display:inline-block;width:5.09px">&#160;</div>AND FINANCIAL CONDITION </div><div id="a188" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:82.6px;"><div style="display:inline-block;width:3.68px">&#160;</div></div><div id="a190" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:96px;">On February 8,<div style="display:inline-block;width:5.66px">&#160;</div>2021, the<div style="display:inline-block;width:5.46px">&#160;</div>registrant issued<div style="display:inline-block;width:5.49px">&#160;</div>a news<div style="display:inline-block;width:5.43px">&#160;</div>release announcing<div style="display:inline-block;width:5.64px">&#160;</div>its fourth<div style="display:inline-block;width:5.37px">&#160;</div>quarter 2020<div style="display:inline-block;width:5.53px">&#160;</div>results.<div style="display:inline-block;width:9.16px">&#160;</div>A copy<div style="display:inline-block;width:5.39px">&#160;</div>of that </div><div id="a194" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:109.4px;">news release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.<div style="display:inline-block;width:8.04px">&#160;</div></div><div id="a196" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:122.6px;">&#160;</div><div id="a197" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:136px;">The<div style="display:inline-block;width:8.6px">&#160;</div>news<div style="display:inline-block;width:8.55px">&#160;</div>release<div style="display:inline-block;width:8.57px">&#160;</div>furnished<div style="display:inline-block;width:8.79px">&#160;</div>herewith<div style="display:inline-block;width:8.62px">&#160;</div>contains<div style="display:inline-block;width:8.65px">&#160;</div>information<div style="display:inline-block;width:8.64px">&#160;</div>regarding<div style="display:inline-block;width:8.76px">&#160;</div>the<div style="display:inline-block;width:8.51px">&#160;</div>registrant&#8217;s<div style="display:inline-block;width:9.43px">&#160;</div>operating<div style="display:inline-block;width:8.71px">&#160;</div>income<div style="display:inline-block;width:8.51px">&#160;</div>(loss).<div style="display:inline-block;width:3.89px">&#160;</div></div><div id="a199" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:149.4px;">Operating income (loss) differs<div style="display:inline-block;width:4.99px">&#160;</div>from net income (loss) attributable<div style="display:inline-block;width:5.05px">&#160;</div>to Everest Re Group, the most<div style="display:inline-block;width:5.21px">&#160;</div>directly comparable </div><div id="a200" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:162.6px;">generally<div style="display:inline-block;width:6.74px">&#160;</div>accepted<div style="display:inline-block;width:6.72px">&#160;</div>accounting<div style="display:inline-block;width:6.81px">&#160;</div>principle<div style="display:inline-block;width:6.69px">&#160;</div>financial<div style="display:inline-block;width:6.71px">&#160;</div>measure,<div style="display:inline-block;width:6.69px">&#160;</div>by<div style="display:inline-block;width:6.72px">&#160;</div>the<div style="display:inline-block;width:6.67px">&#160;</div>exclusion<div style="display:inline-block;width:6.77px">&#160;</div>of<div style="display:inline-block;width:6.68px">&#160;</div>realized<div style="display:inline-block;width:6.64px">&#160;</div>capital<div style="display:inline-block;width:6.8px">&#160;</div>gains<div style="display:inline-block;width:6.7px">&#160;</div>(losses)<div style="display:inline-block;width:6.63px">&#160;</div>on </div><div id="a202" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:176px;">investments and<div style="display:inline-block;width:5.18px">&#160;</div>net foreign<div style="display:inline-block;width:5.06px">&#160;</div>exchange income<div style="display:inline-block;width:5.1px">&#160;</div>(expense). Management<div style="display:inline-block;width:5.27px">&#160;</div>believes that<div style="display:inline-block;width:5.14px">&#160;</div>presentation of<div style="display:inline-block;width:5.24px">&#160;</div>operating income </div><div id="a203" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:189.4px;">(loss)<div style="display:inline-block;width:6.67px">&#160;</div>provides<div style="display:inline-block;width:6.7px">&#160;</div>useful<div style="display:inline-block;width:6.7px">&#160;</div>information<div style="display:inline-block;width:6.72px">&#160;</div>to<div style="display:inline-block;width:6.61px">&#160;</div>investors<div style="display:inline-block;width:6.66px">&#160;</div>because<div style="display:inline-block;width:6.63px">&#160;</div>it<div style="display:inline-block;width:6.67px">&#160;</div>more<div style="display:inline-block;width:6.64px">&#160;</div>accurately<div style="display:inline-block;width:6.66px">&#160;</div>measures<div style="display:inline-block;width:6.65px">&#160;</div>and<div style="display:inline-block;width:6.78px">&#160;</div>predicts<div style="display:inline-block;width:6.7px">&#160;</div>the<div style="display:inline-block;width:6.59px">&#160;</div>registrant&#8217;s </div><div id="a204" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:202.7px;">results<div style="display:inline-block;width:5.86px">&#160;</div>of<div style="display:inline-block;width:5.88px">&#160;</div>operations<div style="display:inline-block;width:5.98px">&#160;</div>by<div style="display:inline-block;width:5.92px">&#160;</div>removing<div style="display:inline-block;width:5.97px">&#160;</div>the<div style="display:inline-block;width:5.79px">&#160;</div>variability<div style="display:inline-block;width:5.99px">&#160;</div>arising<div style="display:inline-block;width:5.91px">&#160;</div>from<div style="display:inline-block;width:5.86px">&#160;</div>both<div style="display:inline-block;width:5.89px">&#160;</div>the<div style="display:inline-block;width:5.87px">&#160;</div>management<div style="display:inline-block;width:5.85px">&#160;</div>of<div style="display:inline-block;width:5.88px">&#160;</div>the<div style="display:inline-block;width:5.87px">&#160;</div>registrant&#8217;s<div style="display:inline-block;width:6.71px">&#160;</div>investment </div><div id="a206" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:216px;">portfolio and the fluctuations<div style="display:inline-block;width:5.41px">&#160;</div>of foreign currency exchange<div style="display:inline-block;width:5.43px">&#160;</div>rates. In addition, management,<div style="display:inline-block;width:5.27px">&#160;</div>analysts and investors use </div><div id="a207" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:229.4px;">operating income (loss) to evaluate the financial performance of the registrant and the insurance industry in general.<div style="display:inline-block;width:8.32px">&#160;</div></div><div id="a210" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:242.7px;">&#160;</div><div id="a211" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:256px;">In accordance with general instruction B.2<div style="display:inline-block;width:5.21px">&#160;</div>of Form 8-K, the information in<div style="display:inline-block;width:5.15px">&#160;</div>this report, including exhibits, is furnished </div><div id="a214" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:269.4px;">pursuant to Item 2.02 and shall not be deemed &#8220;filed&#8221; for the purposes of Section 18 of the Securities Exchange Act of </div><div id="a216" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:282.7px;">1934, or otherwise subject to the liability of that section.<div style="display:inline-block;width:7.8px">&#160;</div></div><div id="a218" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:296px;"><div style="display:inline-block;width:3.68px">&#160;</div></div><div id="a220" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:309.4px;">&#160;</div><div id="a221" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:322.7px;">&#160;</div><div id="a222" style="position:absolute;font-family:'Times New Roman';font-weight:bold;left:55.68px;top:336px;">ITEM 9.01 </div><div id="a224" style="position:absolute;font-family:'Times New Roman';font-weight:bold;left:198.907px;top:336px;">FINANCIAL STATEMENTS<div style="display:inline-block;width:6.1px">&#160;</div>AND EXHIBITS </div><div id="a226" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:349.4px;">&#160;</div><div id="a227" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:362.7px;">(c) </div><div id="a230" style="position:absolute;font-family:'Times New Roman';left:198.907px;top:362.7px;">Exhibits </div><div id="a239" style="position:absolute;font-family:'Times New Roman';left:198.907px;top:389.4px;">Exhibit No. </div><div id="a241" style="position:absolute;font-family:'Times New Roman';left:454.933px;top:389.4px;">Description </div><div id="a249" style="position:absolute;font-family:'Times New Roman';left:198.907px;top:416px;">99.1 </div><div id="a251" style="position:absolute;font-family:'Times New Roman';left:454.933px;top:416px;">News Release of the registrant, </div><div id="a256" style="position:absolute;font-family:'Times New Roman';left:454.933px;top:429.4px;">dated February 8, 2021 </div></div>
</div>
<div style="padding: 7px">
<div id="Page3" style="background-color:RGB(256, 256, 256);position:relative;margin-left:auto;margin-right:auto;overflow:hidden;border-style:solid;border-width:thin;border-color:RGB(198, 198, 198);page-break-after:always;width:816px;height:1056px;">
<div style="position:absolute; width:318.2px; height:1px; left:441.2px; top:218.3px; background-color:#000000; ">&#160;</div>
<div id="a265" style="position:absolute;font-family:'Times New Roman';font-weight:bold;left:55.68px;top:69.4px;">SIGNATURES </div><div id="a267" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:82.6px;">&#160;</div><div id="a268" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:96px;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be </div><div id="a269" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:109.4px;">signed on its behalf by the undersigned hereunto duly authorized. </div><div id="a272" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:122.6px;">&#160;</div><div id="a273" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:136px;">&#160;</div><div id="a276" style="position:absolute;font-family:'Times New Roman';left:448.773px;top:149.4px;">EVEREST RE GROUP,<div style="display:inline-block;width:5.46px">&#160;</div>LTD. </div><div id="a291" style="position:absolute;font-family:'Times New Roman';left:410.187px;top:202.7px;">By:<div style="display:inline-block;width:3.75px">&#160;</div></div><div id="a293" style="position:absolute;font-family:'Times New Roman';left:448.773px;top:202.7px;">/S/ KEITH SHOEMAKER </div><div id="a298" style="position:absolute;font-family:'Times New Roman';left:448.773px;top:216.7px;">Keith Shoemaker </div><div id="a302" style="position:absolute;font-family:'Times New Roman';left:448.773px;top:230px;">Senior Vice President and Comptroller </div><div id="a312" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:256.7px;">&#160;</div><div id="a313" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:270px;">Dated:<div style="display:inline-block;width:7.38px">&#160;</div>February 8, 2021 </div></div>
</div>
<div style="padding: 7px">
<div id="Page4" style="background-color:RGB(256, 256, 256);position:relative;margin-left:auto;margin-right:auto;overflow:hidden;border-style:solid;border-width:thin;border-color:RGB(198, 198, 198);page-break-after:always;width:816px;height:1056px;">
<div style="position:absolute; width:52.2px; height:1px; left:55.7px; top:151px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:156.4px; height:1px; left:286.9px; top:151px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:55.4px; height:1px; left:590.9px; top:151px; background-color:#000000; ">&#160;</div>
<div id="a319" style="position:absolute;font-family:'Times New Roman';font-weight:bold;left:55.68px;top:69.4px;">EXHIBIT INDEX </div><div id="a321" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:82.6px;">&#160;</div><div id="a322" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:96px;">&#160;</div><div id="a323" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:109.4px;">&#160;</div><div id="a324" style="position:absolute;font-family:'Times New Roman';font-weight:bold;left:55.68px;top:122.6px;">Exhibit</div><div id="a329" style="position:absolute;font-family:'Times New Roman';font-weight:bold;left:55.68px;top:136px;">Number</div><div id="a332" style="position:absolute;font-family:'Times New Roman';font-weight:bold;left:286.907px;top:136px;">Description of Document </div><div id="a334" style="position:absolute;font-family:'Times New Roman';font-weight:bold;left:590.933px;top:136px;">Page No. </div><div id="a340" style="position:absolute;font-family:'Times New Roman';color:#0563C1;left:55.68px;top:162.6px;"><a href="ex991.htm" style="color:#0563C1;text-decoration:underline;">99.1</a></div><div id="a343" style="position:absolute;font-family:'Times New Roman';color:#0563C1;left:286.907px;top:162.6px;"><a href="ex991.htm" style="color:#0563C1;text-decoration:underline;">News Release of registrant,</a></div><div id="a348" style="position:absolute;font-family:'Times New Roman';color:#0563C1;left:286.907px;top:176px;"><a href="ex991.htm" style="color:#0563C1;text-decoration:underline;">dated February 8, 2021</a></div><div id="a352" style="position:absolute;font-family:'Times New Roman';left:590.933px;top:176px;">5 </div><div id="a354" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:189.4px;">&#160;</div></div>
</div>
</div>

</body>
</html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>ex991.htm
<DESCRIPTION>EXHIBIT 99-1
<TEXT>
<html>
<head>
    <title>ex991</title>
    <!-- Licensed to: Everest Reinsurance
         Document created using EDGARfilings PROfile 7.0.1.0
         Copyright 1995 - 2021 Broadridge -->
  </head>
<body bgcolor="#e6e6e6" style="font-family:Times New Roman;font-style:normal;font-size:10.64px;font-weight:normal;font-stretch:normal;color:#000000;">
<div id="fixed-layout-inline-document" style="display:none;"></div><div id="Doc1" style="background-color:RGB(230, 230, 230);line-height:normal;">
<div style="padding: 7px">
<div id="Page1" style="background-color:RGB(256, 256, 256);position:relative;margin-left:auto;margin-right:auto;overflow:hidden;border-style:solid;border-width:thin;border-color:RGB(198, 198, 198);page-break-after:always;width:816px;height:1056px;">
<img src="ex991p1i0.gif" alt="ex991p1i0.gif" style="position:absolute;left:535.1px;top:41.7px;width:218.3px;height:84px;clip: rect(0px, 218.3px, 84px, 0px);">
<div style="position:absolute; width:51.4px; height:1px; left:104.3px; top:272.4px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:203.1px; height:1px; left:91.8px; top:666.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:427.1px; height:4px; left:90.2px; top:171.3px; background-color:#000000; ">&#160;</div>
<div id="a0" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:92.16px;top:15px;">&#160;</div><div id="a1" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:408.027px;top:996.7px;">&#160;</div><div id="a2" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:404.347px;top:1011.3px;">1</div><div id="a3" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:411.707px;top:1010px;">&#160;</div><div id="a4" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:92.16px;top:40.6px;">&#160;</div><div id="a5" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:92.16px;top:55.9px;">&#160;</div><div id="a6" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:92.16px;top:71.3px;">&#160;</div><div id="a7" style="position:absolute;font-family:'Times New Roman';font-size:32px;font-weight:bold;left:99.84px;top:100.6px;">N</div><div id="a8" style="position:absolute;font-family:'Times New Roman';font-size:26.64px;font-weight:bold;left:122.96px;top:105.5px;">EWS </div><div id="a9" style="position:absolute;font-family:'Times New Roman';font-size:32px;font-weight:bold;left:188.827px;top:100.6px;">R</div><div id="a10" style="position:absolute;font-family:'Times New Roman';font-size:26.64px;font-weight:bold;left:211.947px;top:105.5px;">ELEASE </div><div id="a12" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;font-weight:bold;left:92.16px;top:137px;">&#160;</div><div id="a13" style="position:absolute;font-family:'Times New Roman';font-size:16.64px;font-weight:bold;left:92.16px;top:152.7px;">&#160;</div><div id="a14" style="position:absolute;font-family:'Times New Roman';font-size:4px;left:521.733px;top:171.1px;">&#160;</div><div id="a15" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-weight:bold;left:105.76px;top:198.1px;">EVEREST RE GROUP,<div style="display:inline-block;width:5.49px">&#160;</div>LTD. </div><div id="a17" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:105.76px;top:220.3px;">Seon Place, 141 Front Street, 4</div><div id="a18" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:287.947px;top:219.1px;">th</div><div id="a19" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:295.227px;top:220.3px;"><div style="display:inline-block;width:3.68px">&#160;</div>Floor, Hamilton HM 19, Bermuda </div><div id="a22" style="position:absolute;font-family:'Times New Roman';font-size:12.64px;left:92.16px;top:237.2px;">&#160;</div><div id="a23" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:104.72px;top:257.9px;">Contacts </div><div id="a25" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:104.72px;top:274.6px;">Media:</div><div id="a26" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:146.267px;top:274.6px;">&#160;</div><div id="a27" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:149.867px;top:274.6px;">Dane</div><div id="a28" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:180.747px;top:274.6px;">&#160;</div><div id="a29" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:184.427px;top:274.6px;">Lopes</div><div id="a30" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:220.267px;top:274.6px;">&#160;</div><div id="a31" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:488.773px;top:274.6px;">Investors: Jon</div><div id="a32" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:570.693px;top:274.6px;">&#160;</div><div id="a33" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:574.133px;top:274.6px;">Levenson</div><div id="a34" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:631.093px;top:274.6px;">&#160;</div><div id="a35" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:104.72px;top:291.4px;">Group Head of Marketing</div><div id="a36" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:257.547px;top:291.4px;">&#160;</div><div id="a37" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:260.587px;top:291.4px;">&amp;</div><div id="a38" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:271.947px;top:291.4px;">&#160;</div><div id="a39" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:275.467px;top:291.4px;">Communications</div><div id="a40" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:375.787px;top:291.4px;">&#160;</div><div id="a41" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:488.773px;top:291.4px;">Head of Investor</div><div id="a42" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:587.333px;top:291.4px;">&#160;</div><div id="a43" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:591.093px;top:291.4px;">Relations</div><div id="a44" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:646.453px;top:291.4px;">&#160;</div><div id="a45" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:104.72px;top:308.3px;">Everest Global</div><div id="a46" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:192.267px;top:308.3px;">&#160;</div><div id="a47" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:195.787px;top:308.3px;">Services,</div><div id="a48" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:249.147px;top:308.3px;">&#160;</div><div id="a49" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:252.667px;top:308.3px;">Inc.</div><div id="a50" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:275.147px;top:308.3px;">&#160;</div><div id="a51" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:488.773px;top:308.3px;">Everest Global Services, Inc.</div><div id="a52" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:659.413px;top:308.3px;">&#160;</div><div id="a53" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:104.72px;top:325.1px;">203.388.3977</div><div id="a54" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:185.387px;top:325.1px;">&#160;</div><div id="a55" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:488.773px;top:325.1px;">908.604.3169</div><div id="a56" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:569.413px;top:325.1px;">&#160;</div><div id="a57" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:92.16px;top:342.1px;">&#160;</div><div id="a58" style="position:absolute;font-family:'Times New Roman';font-size:12.64px;left:92.16px;top:361.1px;">&#160;</div><div id="a59" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:581.253px;top:375.8px;">For Immediate Release </div><div id="a61" style="position:absolute;font-family:'Times New Roman';font-size:13.36px;left:92.16px;top:392.9px;">&#160;</div><div id="a62" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-weight:bold;left:408.027px;top:408.3px;">&#160;</div><div id="a63" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-weight:bold;left:164.107px;top:429.5px;">Everest Re Group Reports Fourth Quarter and Full Year<div style="display:inline-block;width:6.32px">&#160;</div>2020 Results: </div><div id="a65" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-weight:bold;left:280.507px;top:457.1px;">Full Year<div style="display:inline-block;width:5.81px">&#160;</div>Net Income of $514 Million </div><div id="a67" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-weight:bold;left:106.48px;top:484.7px;">15% Growth in Full Year<div style="display:inline-block;width:6.07px">&#160;</div>Gross Written Premium with Underlying Profit Improvement<div style="display:inline-block;width:165.53px">&#160;</div></div><div id="a69" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-weight:bold;left:145.147px;top:512.3px;">11.4% Year<div style="display:inline-block;width:6.66px">&#160;</div>on Year<div style="display:inline-block;width:5.76px">&#160;</div>Growth in Book Value<div style="display:inline-block;width:5.84px">&#160;</div>Per Share Inclusive of Dividends </div><div id="a71" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:92.16px;top:539.9px;">&#160;</div><div id="a72" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:92.16px;top:567.5px;">HAMILTON,<div style="display:inline-block;width:9.16px">&#160;</div>Bermuda<div style="display:inline-block;width:7.46px">&#160;</div>--<div style="display:inline-block;width:7.42px">&#160;</div>(BUSINESS<div style="display:inline-block;width:7.33px">&#160;</div>WIRE)<div style="display:inline-block;width:7.48px">&#160;</div>&#8211;<div style="display:inline-block;width:7.44px">&#160;</div>February<div style="display:inline-block;width:7.36px">&#160;</div>8,<div style="display:inline-block;width:7.44px">&#160;</div>2021<div style="display:inline-block;width:7.23px">&#160;</div>&#8211;<div style="display:inline-block;width:6.96px">&#160;</div>Everest<div style="display:inline-block;width:5.78px">&#160;</div>Re<div style="display:inline-block;width:6.87px">&#160;</div>Group,<div style="display:inline-block;width:6px">&#160;</div>Ltd. </div><div id="a84" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:92.16px;top:595.1px;">(&#8220;Everest&#8221;<div style="display:inline-block;width:1.77px">&#160;</div>or the<div style="display:inline-block;width:2.56px">&#160;</div>&#8220;Company&#8221;)<div style="display:inline-block;width:1.8px">&#160;</div>today reported its 2020 fourth quarter and year end results. </div><div id="a87" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:92.16px;top:622.7px;">&#160;</div><div id="a88" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:92.16px;top:650.3px;">Fourth Quarter 2020 Highlights </div><div id="a90" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:116.16px;top:679.1px;">&#9679;</div><div id="a91" style="position:absolute;font-family:'Arial';font-size:16px;left:123.52px;top:678.9px;">&#160;</div><div id="a92" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:140.16px;top:679.1px;">Net income of $64 million equal to $1.59 per share </div><div id="a94" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:116.16px;top:707.8px;">&#9679;</div><div id="a95" style="position:absolute;font-family:'Arial';font-size:16px;left:123.52px;top:707.6px;">&#160;</div><div id="a96" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:140.16px;top:707.8px;">Net operating loss of $(44) million, $(1.12) per common share </div><div id="a99" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:116.16px;top:736.5px;">&#9679;</div><div id="a100" style="position:absolute;font-family:'Arial';font-size:16px;left:123.52px;top:736.3px;">&#160;</div><div id="a101" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:140.16px;top:736.5px;">Gross written premium growth of 13% </div><div id="a103" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:116.16px;top:765.3px;">&#9679;</div><div id="a104" style="position:absolute;font-family:'Arial';font-size:16px;left:123.52px;top:765.1px;">&#160;</div><div id="a105" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:140.16px;top:765.3px;">Attritional combined ratio of 86.3%, a 4 point improvement year over year </div><div id="a107" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:116.16px;top:794px;">&#9679;</div><div id="a108" style="position:absolute;font-family:'Arial';font-size:16px;left:123.52px;top:793.9px;">&#160;</div><div id="a109" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:140.16px;top:794px;">Pre-tax net<div style="display:inline-block;width:6.28px">&#160;</div>catastrophe losses<div style="display:inline-block;width:6.36px">&#160;</div>of $70<div style="display:inline-block;width:6.11px">&#160;</div>million, Covid-19<div style="display:inline-block;width:6.31px">&#160;</div>Pandemic (&#8220;Pandemic&#8221;)<div style="display:inline-block;width:6.23px">&#160;</div>losses of </div><div id="a114" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:140.16px;top:821.6px;">$76 million, and a prior year reserve strengthening of $400 million </div><div id="a117" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:92.16px;top:849.2px;">&#160;</div><div id="a118" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:92.16px;top:867.6px;">&#160;</div><div id="a119" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:284.187px;top:867.6px;">&#160;</div></div>
</div>
<div style="padding: 7px">
<div id="Page2" style="background-color:RGB(256, 256, 256);position:relative;margin-left:auto;margin-right:auto;overflow:hidden;border-style:solid;border-width:thin;border-color:RGB(198, 198, 198);page-break-after:always;width:816px;height:1056px;">
<div style="position:absolute; width:168.5px; height:1px; left:91.8px; top:56.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:615.3px; height:1.3px; left:55px; top:357.5px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:612.8px; height:38.6px; left:56.3px; top:358.9px; background-color:#DEEBF7; ">&#160;</div>
<div style="position:absolute; width:612.8px; height:38.7px; left:56.3px; top:358.8px; background-color:#DEEBF7; ">&#160;</div>
<div style="position:absolute; width:86px; height:1px; left:55.9px; top:409.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:1.3px; height:322.3px; left:55px; top:357.5px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:615.3px; height:1.3px; left:55px; top:678.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:1.3px; height:322.3px; left:669.1px; top:357.5px; background-color:#000000; ">&#160;</div>
<div id="a120" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:92.16px;top:15px;">&#160;</div><div id="a121" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:408.027px;top:996.7px;">&#160;</div><div id="a122" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:404.347px;top:1011.3px;">2</div><div id="a123" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:411.707px;top:1010px;">&#160;</div><div id="a124" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:92.16px;top:40.7px;">Full Year<div style="display:inline-block;width:5.69px">&#160;</div>2020 Highlights </div><div id="a126" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:116.16px;top:69.4px;">&#9679;</div><div id="a127" style="position:absolute;font-family:'Arial';font-size:16px;left:123.52px;top:69.3px;">&#160;</div><div id="a128" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:140.16px;top:69.4px;">Net income of $514 million, $12.78 per diluted common share<div style="display:inline-block;width:4.09px">&#160;</div></div><div id="a130" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:116.16px;top:98.1px;">&#9679;</div><div id="a131" style="position:absolute;font-family:'Arial';font-size:16px;left:123.52px;top:98px;">&#160;</div><div id="a132" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:140.16px;top:98.1px;">Net operating income of $300 million, $7.46 per diluted common share </div><div id="a134" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:116.16px;top:126.9px;">&#9679;</div><div id="a135" style="position:absolute;font-family:'Arial';font-size:16px;left:123.52px;top:126.8px;">&#160;</div><div id="a136" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:140.16px;top:126.9px;">Growth in diluted book value per share of 11.4% inclusive of dividends </div><div id="a138" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:116.16px;top:155.6px;">&#9679;</div><div id="a139" style="position:absolute;font-family:'Arial';font-size:16px;left:123.52px;top:155.5px;">&#160;</div><div id="a140" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:140.16px;top:155.6px;">Gross written premium growth of 15% </div><div id="a143" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:116.16px;top:184.4px;">&#9679;</div><div id="a144" style="position:absolute;font-family:'Arial';font-size:16px;left:123.52px;top:184.2px;">&#160;</div><div id="a145" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:140.16px;top:184.4px;">Attritional combined ratio of 87.5%, ~ 1 point improvement year over year </div><div id="a147" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:116.16px;top:213.2px;">&#9679;</div><div id="a148" style="position:absolute;font-family:'Arial';font-size:16px;left:123.52px;top:213px;">&#160;</div><div id="a149" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:140.16px;top:213.2px;">2020 cash flow from operations of $2.9 billion </div><div id="a151" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:92.16px;top:240.8px;">&#160;</div><div id="a152" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:92.16px;top:268.4px;">The<div style="display:inline-block;width:7.04px">&#160;</div>following<div style="display:inline-block;width:7.06px">&#160;</div>table<div style="display:inline-block;width:7.07px">&#160;</div>summarizes<div style="display:inline-block;width:7.02px">&#160;</div>the<div style="display:inline-block;width:7.01px">&#160;</div>Company&#8217;s<div style="display:inline-block;width:7.94px">&#160;</div>net<div style="display:inline-block;width:7.01px">&#160;</div>income<div style="display:inline-block;width:7.07px">&#160;</div>and<div style="display:inline-block;width:7.06px">&#160;</div>related<div style="display:inline-block;width:6.96px">&#160;</div>financial<div style="display:inline-block;width:6.99px">&#160;</div>metrics<div style="display:inline-block;width:7.07px">&#160;</div>and </div><div id="a154" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:92.16px;top:296px;">provides<div style="display:inline-block;width:27.22px">&#160;</div>details<div style="display:inline-block;width:27.19px">&#160;</div>on<div style="display:inline-block;width:27.2px">&#160;</div>shareholders&#8217;<div style="display:inline-block;width:27.17px">&#160;</div>equity<div style="display:inline-block;width:27.21px">&#160;</div>and<div style="display:inline-block;width:27.22px">&#160;</div>book<div style="display:inline-block;width:27.2px">&#160;</div>value<div style="display:inline-block;width:27.19px">&#160;</div>per<div style="display:inline-block;width:27.17px">&#160;</div>share.</div><div id="a155" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:55.68px;top:320.6px;">&#160;</div><div id="a162" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:359.2px;">Net income and operating income </div><div id="a164" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:472.373px;top:359.2px;">Q4 </div><div id="a166" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:507.893px;top:359.2px;">Full Year </div><div id="a169" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:582.373px;top:359.2px;">Q4 </div><div id="a171" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:617.573px;top:359.2px;">Full Year </div><div id="a173" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:377.8px;">All values in USD millions except for per share amounts and percentages </div><div id="a176" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:467.733px;top:377.8px;">2020 </div><div id="a178" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:518.693px;top:377.8px;">2020 </div><div id="a181" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:577.733px;top:377.8px;">2019 </div><div id="a183" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:628.373px;top:377.8px;">2019 </div><div id="a185" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:397.8px;">Everest Re Group </div><div id="a192" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:417.8px;">Net income </div><div id="a194" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:457.733px;top:417.8px;"><div style="display:inline-block;width:3.04px">&#160;</div>63.6<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a197" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:501.733px;top:417.8px;"><div style="display:inline-block;width:3.04px">&#160;</div>514.2<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a201" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:567.733px;top:417.8px;"><div style="display:inline-block;width:3.04px">&#160;</div>217.6<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a204" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:611.733px;top:417.8px;"><div style="display:inline-block;width:3.04px">&#160;</div>1,009.5<div style="display:inline-block;width:2.96px">&#160;</div></div><div id="a207" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:437.8px;">Net operating income (loss) </div><div id="a209" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:457.733px;top:437.8px;"><div style="display:inline-block;width:3.04px">&#160;</div>(44.2) </div><div id="a212" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:501.733px;top:437.8px;"><div style="display:inline-block;width:3.04px">&#160;</div>300.1<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a216" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:567.733px;top:437.8px;"><div style="display:inline-block;width:3.04px">&#160;</div>130.8<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a219" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:611.733px;top:437.8px;"><div style="display:inline-block;width:3.04px">&#160;</div>872.4<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a228" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:477.8px;">Net income per diluted common share </div><div id="a230" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:457.733px;top:477.8px;"><div style="display:inline-block;width:3.04px">&#160;</div>1.59<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a233" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:501.733px;top:477.8px;"><div style="display:inline-block;width:3.04px">&#160;</div>12.78<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a237" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:567.733px;top:477.8px;"><div style="display:inline-block;width:3.04px">&#160;</div>5.32<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a240" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:611.733px;top:477.8px;"><div style="display:inline-block;width:3.04px">&#160;</div>24.70<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a243" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:497.8px;">Net operating income (loss) per diluted common share </div><div id="a246" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:457.733px;top:497.8px;"><div style="display:inline-block;width:3.04px">&#160;</div>(1.12) </div><div id="a249" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:501.733px;top:497.8px;"><div style="display:inline-block;width:3.04px">&#160;</div>7.46<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a253" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:567.733px;top:497.8px;"><div style="display:inline-block;width:3.04px">&#160;</div>3.20<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a256" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:611.733px;top:497.8px;"><div style="display:inline-block;width:3.04px">&#160;</div>21.34<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a265" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:537.8px;">Net income annualized return on average equity </div><div id="a267" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:476.773px;top:537.8px;">2.8% </div><div id="a269" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:534.773px;top:537.8px;">5.8% </div><div id="a272" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:580.773px;top:537.8px;">10.0% </div><div id="a274" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:638.133px;top:537.8px;">12.0% </div><div id="a276" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:557.8px;">Net operating income annualized return on average equity </div><div id="a278" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:472.773px;top:557.8px;">-2.0% </div><div id="a281" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:534.773px;top:557.8px;">3.4% </div><div id="a284" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:586.773px;top:557.8px;">6.0% </div><div id="a286" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:638.133px;top:557.8px;">10.3% </div><div id="a294" style="position:absolute;font-family:'Times New Roman';font-size:12px;font-weight:bold;left:56.32px;top:597.8px;">Year<div style="display:inline-block;width:4.41px">&#160;</div>end equity and book value </div><div id="a302" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:617.8px;">Shareholders&apos; equity </div><div id="a305" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:519.733px;top:617.8px;">9,726.2 </div><div id="a309" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:629.733px;top:617.8px;">9,132.9 </div><div id="a311" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:637.8px;">Book value per share </div><div id="a314" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:526.773px;top:637.8px;">243.25 </div><div id="a318" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:636.133px;top:637.8px;">223.85 </div><div id="a320" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:657.8px;">Growth in bvps adjusted for dividends </div><div id="a323" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:528.773px;top:657.8px;">11.4% </div><div id="a327" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:638.133px;top:657.8px;">18.7% </div><div id="a329" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:680.1px;">Notes </div><div id="a336" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:698.8px;">1/ Refer to the reconciliation of net income to net operating income found later in this release </div><div id="a344" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:719px;"><div style="display:inline-block;width:4px">&#160;</div></div><div id="a346" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:737.4px;">&#160;</div><div id="a347" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:247.707px;top:737.4px;">&#160;</div></div>
</div>
<div style="padding: 7px">
<div id="Page3" style="background-color:RGB(256, 256, 256);position:relative;margin-left:auto;margin-right:auto;overflow:hidden;border-style:solid;border-width:thin;border-color:RGB(198, 198, 198);page-break-after:always;width:816px;height:1056px;">
<div style="position:absolute; width:613.3px; height:1.3px; left:55px; top:571.5px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:610.8px; height:28.6px; left:56.3px; top:572.9px; background-color:#DEEBF7; ">&#160;</div>
<div style="position:absolute; width:610.8px; height:28.7px; left:56.3px; top:572.8px; background-color:#DEEBF7; ">&#160;</div>
<div style="position:absolute; width:1.3px; height:158.2px; left:55px; top:571.5px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:613.3px; height:1.3px; left:55px; top:728.5px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:1.3px; height:158.2px; left:667.1px; top:571.5px; background-color:#000000; ">&#160;</div>
<div id="a348" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:15px;">&#160;</div><div id="a349" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:403.707px;top:996.7px;">&#160;</div><div id="a350" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:400.027px;top:1011.3px;">3</div><div id="a351" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:407.387px;top:1010px;">&#160;</div><div id="a352" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:72.4px;">&#160;</div><div id="a353" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:55.68px;top:87.8px;">&#160;</div><div id="a354" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:104.1px;">Everest<div style="display:inline-block;width:7.38px">&#160;</div>Re<div style="display:inline-block;width:7.19px">&#160;</div>Group<div style="display:inline-block;width:7.28px">&#160;</div>President<div style="display:inline-block;width:7.33px">&#160;</div>&amp;<div style="display:inline-block;width:7.31px">&#160;</div>CEO<div style="display:inline-block;width:7.2px">&#160;</div>Juan<div style="display:inline-block;width:7.31px">&#160;</div>C.<div style="display:inline-block;width:7.33px">&#160;</div>Andrade<div style="display:inline-block;width:7.31px">&#160;</div>commented:<div style="display:inline-block;width:7.31px">&#160;</div>&#8220;We<div style="display:inline-block;width:8.59px">&#160;</div>are<div style="display:inline-block;width:7.27px">&#160;</div>relentlessly<div style="display:inline-block;width:7.29px">&#160;</div>executing<div style="display:inline-block;width:7.32px">&#160;</div>our </div><div id="a356" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:131.7px;">strategies<div style="display:inline-block;width:5.82px">&#160;</div>from<div style="display:inline-block;width:5.7px">&#160;</div>a<div style="display:inline-block;width:5.78px">&#160;</div>position<div style="display:inline-block;width:5.72px">&#160;</div>of<div style="display:inline-block;width:5.79px">&#160;</div>strength<div style="display:inline-block;width:5.73px">&#160;</div>in<div style="display:inline-block;width:5.79px">&#160;</div>this<div style="display:inline-block;width:5.76px">&#160;</div>robust<div style="display:inline-block;width:5.76px">&#160;</div>market<div style="display:inline-block;width:5.74px">&#160;</div>as<div style="display:inline-block;width:5.79px">&#160;</div>evidenced<div style="display:inline-block;width:5.71px">&#160;</div>by<div style="display:inline-block;width:5.81px">&#160;</div>2020<div style="display:inline-block;width:5.76px">&#160;</div>growth<div style="display:inline-block;width:5.79px">&#160;</div>in<div style="display:inline-block;width:5.79px">&#160;</div>gross<div style="display:inline-block;width:5.74px">&#160;</div>written </div><div id="a360" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:159.3px;">premiums<div style="display:inline-block;width:9.45px">&#160;</div>of<div style="display:inline-block;width:9.31px">&#160;</div>15%<div style="display:inline-block;width:9.39px">&#160;</div>and<div style="display:inline-block;width:9.3px">&#160;</div>net<div style="display:inline-block;width:9.41px">&#160;</div>written<div style="display:inline-block;width:9.32px">&#160;</div>premiums<div style="display:inline-block;width:9.37px">&#160;</div>of<div style="display:inline-block;width:9.39px">&#160;</div>17%<div style="display:inline-block;width:9.39px">&#160;</div>and<div style="display:inline-block;width:9.38px">&#160;</div>improvement<div style="display:inline-block;width:9.49px">&#160;</div>in</div><div id="a361" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:581.093px;top:159.3px;">&#160;</div><div id="a362" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:590.453px;top:159.3px;">underlying<div style="display:inline-block;width:9.32px">&#160;</div>underwriting </div><div id="a363" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:186.9px;">profitability.<div style="display:inline-block;width:7.25px">&#160;</div>Our<div style="display:inline-block;width:6.24px">&#160;</div>attritional<div style="display:inline-block;width:6.3px">&#160;</div>combined<div style="display:inline-block;width:6.19px">&#160;</div>ratio<div style="display:inline-block;width:6.28px">&#160;</div>improved<div style="display:inline-block;width:6.2px">&#160;</div>approximately<div style="display:inline-block;width:6.31px">&#160;</div>one<div style="display:inline-block;width:6.1px">&#160;</div>point<div style="display:inline-block;width:6.31px">&#160;</div>to<div style="display:inline-block;width:6.19px">&#160;</div>87.5%<div style="display:inline-block;width:6.19px">&#160;</div>versus<div style="display:inline-block;width:6.16px">&#160;</div>the<div style="display:inline-block;width:6.29px">&#160;</div>prior </div><div id="a365" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:214.5px;">year,<div style="display:inline-block;width:5.83px">&#160;</div>with our<div style="display:inline-block;width:6.23px">&#160;</div>Insurance segment<div style="display:inline-block;width:6.25px">&#160;</div>improving 2.3<div style="display:inline-block;width:6.22px">&#160;</div>points to<div style="display:inline-block;width:6.36px">&#160;</div>94.2%.<div style="display:inline-block;width:9.13px">&#160;</div>Despite the<div style="display:inline-block;width:6.3px">&#160;</div>$511<div style="display:inline-block;width:5.71px">&#160;</div>million Pandemic<div style="display:inline-block;width:6.28px">&#160;</div>loss </div><div id="a369" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:242.1px;">provision<div style="display:inline-block;width:7.87px">&#160;</div>and<div style="display:inline-block;width:7.7px">&#160;</div>a<div style="display:inline-block;width:7.78px">&#160;</div>$400<div style="display:inline-block;width:7.84px">&#160;</div>million<div style="display:inline-block;width:7.85px">&#160;</div>prior<div style="display:inline-block;width:7.7px">&#160;</div>accident<div style="display:inline-block;width:7.82px">&#160;</div>year<div style="display:inline-block;width:7.83px">&#160;</div>reserve<div style="display:inline-block;width:7.73px">&#160;</div>strengthening,<div style="display:inline-block;width:7.84px">&#160;</div>we<div style="display:inline-block;width:7.74px">&#160;</div>delivered<div style="display:inline-block;width:7.92px">&#160;</div>$300<div style="display:inline-block;width:7.68px">&#160;</div>million<div style="display:inline-block;width:7.85px">&#160;</div>in </div><div id="a371" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:269.7px;">operating<div style="display:inline-block;width:8.46px">&#160;</div>income<div style="display:inline-block;width:8.43px">&#160;</div>and<div style="display:inline-block;width:8.34px">&#160;</div>$514<div style="display:inline-block;width:8.4px">&#160;</div>million<div style="display:inline-block;width:8.41px">&#160;</div>in<div style="display:inline-block;width:8.43px">&#160;</div>net<div style="display:inline-block;width:8.37px">&#160;</div>income<div style="display:inline-block;width:8.43px">&#160;</div>providing<div style="display:inline-block;width:8.34px">&#160;</div>a<div style="display:inline-block;width:8.42px">&#160;</div>return<div style="display:inline-block;width:8.36px">&#160;</div>on<div style="display:inline-block;width:8.4px">&#160;</div>equity<div style="display:inline-block;width:8.33px">&#160;</div>of<div style="display:inline-block;width:8.43px">&#160;</div>5.8%.<div style="display:inline-block;width:16.75px">&#160;</div>Everest&#8217;s </div><div id="a372" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:297.3px;">investment<div style="display:inline-block;width:5.63px">&#160;</div>income<div style="display:inline-block;width:5.55px">&#160;</div>remained<div style="display:inline-block;width:5.52px">&#160;</div>resilient<div style="display:inline-block;width:5.5px">&#160;</div>at<div style="display:inline-block;width:5.57px">&#160;</div>$642<div style="display:inline-block;width:5.52px">&#160;</div>million<div style="display:inline-block;width:5.61px">&#160;</div>despite<div style="display:inline-block;width:5.48px">&#160;</div>the<div style="display:inline-block;width:5.57px">&#160;</div>Pandemic&#8217;s<div style="display:inline-block;width:6.47px">&#160;</div>impact<div style="display:inline-block;width:5.5px">&#160;</div>on<div style="display:inline-block;width:5.52px">&#160;</div>financial<div style="display:inline-block;width:5.63px">&#160;</div>markets </div><div id="a373" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:324.9px;">and the sharp decline in interest rates.<div style="display:inline-block;width:8.78px">&#160;</div>Our total shareholders&#8217; equity grew to a record $9.7 billion from $9.1 </div><div id="a375" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:352.5px;">billion during the year,<div style="display:inline-block;width:5.53px">&#160;</div>representing net book value per share growth<div style="display:inline-block;width:5.45px">&#160;</div>of 11.4% including dividends.<div style="display:inline-block;width:9.6px">&#160;</div>Everest </div><div id="a376" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:380.1px;">has a strong capital position bolstered by the $1.0 billion senior notes offering and a leading<div style="display:inline-block;width:5.36px">&#160;</div>global franchise </div><div id="a380" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:407.7px;">with great momentum entering 2021.&#8221; </div><div id="a382" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:435.3px;">&#160;</div><div id="a383" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:462.9px;">The<div style="display:inline-block;width:6.32px">&#160;</div>following<div style="display:inline-block;width:6.34px">&#160;</div>information<div style="display:inline-block;width:6.38px">&#160;</div>summarizes<div style="display:inline-block;width:6.38px">&#160;</div>the<div style="display:inline-block;width:6.37px">&#160;</div>Company&#8217;s<div style="display:inline-block;width:7.19px">&#160;</div>underwriting<div style="display:inline-block;width:6.31px">&#160;</div>results,<div style="display:inline-block;width:6.39px">&#160;</div>on<div style="display:inline-block;width:6.32px">&#160;</div>a<div style="display:inline-block;width:6.26px">&#160;</div>consolidated<div style="display:inline-block;width:6.33px">&#160;</div>basis<div style="display:inline-block;width:6.4px">&#160;</div>and </div><div id="a384" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:490.5px;">also by segment &#8211; Reinsurance and Insurance, with selected commentary on results by segment. </div><div id="a389" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:518.1px;">&#160;</div><div id="a390" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:55.68px;top:533.5px;">&#160;</div><div id="a400" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:56.32px;top:573px;">Underwriting information - Everest Re Group </div><div id="a405" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:350.427px;top:573px;">Q4 </div><div id="a407" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:391.467px;top:573px;">Full Year </div><div id="a410" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:461.493px;top:573px;">Q4 </div><div id="a412" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:502.933px;top:573px;">Full Year </div><div id="a415" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:553.733px;top:573px;">Year on year </div><div id="a416" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:553.733px;top:583.8px;">change </div><div id="a419" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:56.32px;top:586.6px;">All values in USD millions except for percentages </div><div id="a421" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:346.827px;top:586.6px;">2020 </div><div id="a423" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:399.867px;top:586.6px;">2020 </div><div id="a426" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:457.893px;top:586.6px;">2019 </div><div id="a428" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:511.333px;top:586.6px;">2019 </div><div id="a431" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:573.493px;top:586.6px;">Q4 </div><div id="a433" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:618.053px;top:586.6px;">Full Year </div><div id="a435" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:56.32px;top:601.7px;">Gross written premium </div><div id="a437" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:330.667px;top:601.7px;"><div style="display:inline-block;width:2.32px">&#160;</div>2,750.5<div style="display:inline-block;width:2.24px">&#160;</div></div><div id="a440" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:381.707px;top:601.7px;"><div style="display:inline-block;width:2.32px">&#160;</div>10,482.4<div style="display:inline-block;width:2.28px">&#160;</div></div><div id="a444" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:441.733px;top:601.7px;"><div style="display:inline-block;width:2.32px">&#160;</div>2,436.3<div style="display:inline-block;width:2.24px">&#160;</div></div><div id="a447" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:492.693px;top:601.7px;"><div style="display:inline-block;width:2.32px">&#160;</div>9,133.4<div style="display:inline-block;width:2.24px">&#160;</div></div><div id="a451" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:580.693px;top:601.7px;">12.9% </div><div id="a453" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:642.933px;top:601.7px;">14.8% </div><div id="a455" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:56.32px;top:616.6px;">Net written premium </div><div id="a457" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:330.667px;top:616.6px;"><div style="display:inline-block;width:2.32px">&#160;</div>2,449.3<div style="display:inline-block;width:2.24px">&#160;</div></div><div id="a460" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:381.707px;top:616.6px;"><div style="display:inline-block;width:2.32px">&#160;</div>9,117.0<div style="display:inline-block;width:2.59px">&#160;</div></div><div id="a464" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:441.733px;top:616.6px;"><div style="display:inline-block;width:2.32px">&#160;</div>2,120.2<div style="display:inline-block;width:2.24px">&#160;</div></div><div id="a467" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:492.693px;top:616.6px;"><div style="display:inline-block;width:2.32px">&#160;</div>7,824.4<div style="display:inline-block;width:2.24px">&#160;</div></div><div id="a471" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:580.693px;top:616.6px;">15.5% </div><div id="a473" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:642.933px;top:616.6px;">16.5% </div><div id="a484" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:56.32px;top:638.6px;">Combined ratio </div><div id="a486" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:352.907px;top:638.6px;">109.1% </div><div id="a488" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:407.947px;top:638.6px;">102.9% </div><div id="a491" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:463.973px;top:638.6px;">101.5% </div><div id="a493" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:524.613px;top:638.6px;">95.5% </div><div id="a496" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:579.893px;top:638.6px;">7.6 pts </div><div id="a498" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:642.133px;top:638.6px;">7.4 pts </div><div id="a500" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:56.32px;top:653.7px;">Attritional combined ratio </div><div id="a502" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:357.627px;top:653.7px;">86.3% </div><div id="a504" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:412.667px;top:653.7px;">87.5% </div><div id="a507" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:468.693px;top:653.7px;">90.3% </div><div id="a509" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:524.613px;top:653.7px;">88.4% </div><div id="a512" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:576.773px;top:653.7px;">-4.0 pts </div><div id="a515" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:639.013px;top:653.7px;">-0.9 pts </div><div id="a527" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:56.32px;top:674.6px;">Pre-tax net catastrophe losses </div><div id="a531" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:330.667px;top:674.6px;"><div style="display:inline-block;width:2.32px">&#160;</div>70.0<div style="display:inline-block;width:2.26px">&#160;</div></div><div id="a534" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:381.707px;top:674.6px;"><div style="display:inline-block;width:2.32px">&#160;</div>425.0<div style="display:inline-block;width:2.3px">&#160;</div></div><div id="a538" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:441.733px;top:674.6px;"><div style="display:inline-block;width:2.32px">&#160;</div>225.0<div style="display:inline-block;width:2.3px">&#160;</div></div><div id="a541" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:492.693px;top:674.6px;"><div style="display:inline-block;width:2.32px">&#160;</div>575.5<div style="display:inline-block;width:2.3px">&#160;</div></div><div id="a547" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:56.32px;top:689.7px;">Pre-tax net covid losses </div><div id="a551" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:330.667px;top:689.7px;"><div style="display:inline-block;width:2.32px">&#160;</div>76.1<div style="display:inline-block;width:2.26px">&#160;</div></div><div id="a554" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:381.707px;top:689.7px;"><div style="display:inline-block;width:2.32px">&#160;</div>511.1<div style="display:inline-block;width:2.65px">&#160;</div></div><div id="a558" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:441.733px;top:689.7px;"><div style="display:inline-block;width:2.32px">&#160;</div>-<div style="display:inline-block;width:7.04px">&#160;</div></div><div id="a562" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:492.693px;top:689.7px;"><div style="display:inline-block;width:2.32px">&#160;</div>-<div style="display:inline-block;width:7.04px">&#160;</div></div><div id="a569" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:56.32px;top:704.6px;">Pre-tax net prior year reserve development </div><div id="a573" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:330.667px;top:704.6px;"><div style="display:inline-block;width:2.32px">&#160;</div>400.0<div style="display:inline-block;width:2.3px">&#160;</div></div><div id="a576" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:381.707px;top:704.6px;"><div style="display:inline-block;width:2.32px">&#160;</div>401.4<div style="display:inline-block;width:2.3px">&#160;</div></div><div id="a580" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:441.733px;top:704.6px;"><div style="display:inline-block;width:2.32px">&#160;</div>(19.2) </div><div id="a583" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:492.693px;top:704.6px;"><div style="display:inline-block;width:2.32px">&#160;</div>(93.6) </div><div id="a598" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:730px;">Notes </div><div id="a608" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:743.7px;">1/ Attritional ratios exclude prior year reserve development, Covid-19 pandemic impacts, catastrophe losses, and reinstatement premiums </div><div id="a613" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:761.9px;"><div style="display:inline-block;width:4px">&#160;</div></div><div id="a615" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:55.68px;top:777.3px;">&#160;</div><div id="a616" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-weight:bold;left:55.68px;top:793.6px;">Reinsurance segment </div><div id="a618" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:79.68px;top:822.3px;">&#9679;</div><div id="a619" style="position:absolute;font-family:'Arial';font-size:16px;left:87.04px;top:822.1px;">&#160;</div><div id="a620" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:822.3px;">The<div style="display:inline-block;width:7.6px">&#160;</div>reinsurance<div style="display:inline-block;width:7.63px">&#160;</div>segment<div style="display:inline-block;width:7.56px">&#160;</div>achieved<div style="display:inline-block;width:7.55px">&#160;</div>strong<div style="display:inline-block;width:7.68px">&#160;</div>growth<div style="display:inline-block;width:7.55px">&#160;</div>with<div style="display:inline-block;width:7.63px">&#160;</div>gross<div style="display:inline-block;width:7.58px">&#160;</div>written<div style="display:inline-block;width:7.56px">&#160;</div>premiums<div style="display:inline-block;width:7.69px">&#160;</div>up<div style="display:inline-block;width:7.52px">&#160;</div>12%<div style="display:inline-block;width:7.63px">&#160;</div>for<div style="display:inline-block;width:7.58px">&#160;</div>the </div><div id="a621" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:849.9px;">quarter and 15% for<div style="display:inline-block;width:5.45px">&#160;</div>the year,<div style="display:inline-block;width:5.4px">&#160;</div>driven by new business<div style="display:inline-block;width:5.44px">&#160;</div>opportunities, growth with existing<div style="display:inline-block;width:5.36px">&#160;</div>customers, </div><div id="a622" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:877.5px;">and improved rates and terms and conditions. </div><div id="a624" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:905.1px;">&#160;</div><div id="a625" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:247.707px;top:905.1px;">&#160;</div></div>
</div>
<div style="padding: 7px">
<div id="Page4" style="background-color:RGB(256, 256, 256);position:relative;margin-left:auto;margin-right:auto;overflow:hidden;border-style:solid;border-width:thin;border-color:RGB(198, 198, 198);page-break-after:always;width:816px;height:1056px;">
<div style="position:absolute; width:497.4px; height:13.8px; left:56.3px; top:267.4px; background-color:#DEEBF7; ">&#160;</div>
<div style="position:absolute; width:611.3px; height:1.3px; left:55px; top:266px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:497.4px; height:38.6px; left:56.3px; top:267.4px; background-color:#DEEBF7; ">&#160;</div>
<div style="position:absolute; width:608.8px; height:38.7px; left:56.3px; top:267.3px; background-color:#DEEBF7; ">&#160;</div>
<div style="position:absolute; width:1.3px; height:242.3px; left:55px; top:266px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:611.3px; height:1.3px; left:55px; top:507.1px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:1.3px; height:242.3px; left:665.1px; top:266px; background-color:#000000; ">&#160;</div>
<div id="a626" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:15px;">&#160;</div><div id="a627" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:403.707px;top:996.7px;">&#160;</div><div id="a628" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:400.027px;top:1011.3px;">4</div><div id="a629" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:407.387px;top:1010px;">&#160;</div><div id="a630" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:72.4px;">&#160;</div><div id="a631" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:79.68px;top:101.1px;">&#9679;</div><div id="a632" style="position:absolute;font-family:'Arial';font-size:16px;left:87.04px;top:100.9px;">&#160;</div><div id="a633" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:101.1px;">The<div style="display:inline-block;width:6.32px">&#160;</div>combined<div style="display:inline-block;width:6.35px">&#160;</div>ratio<div style="display:inline-block;width:6.39px">&#160;</div>for<div style="display:inline-block;width:6.3px">&#160;</div>the<div style="display:inline-block;width:6.37px">&#160;</div>quarter<div style="display:inline-block;width:6.3px">&#160;</div>and<div style="display:inline-block;width:6.34px">&#160;</div>full<div style="display:inline-block;width:6.42px">&#160;</div>year<div style="display:inline-block;width:6.31px">&#160;</div>2020<div style="display:inline-block;width:6.32px">&#160;</div>reflected<div style="display:inline-block;width:6.37px">&#160;</div>the<div style="display:inline-block;width:6.29px">&#160;</div>impact<div style="display:inline-block;width:6.38px">&#160;</div>of<div style="display:inline-block;width:6.27px">&#160;</div>catastrophe<div style="display:inline-block;width:6.38px">&#160;</div>losses, </div><div id="a638" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:128.7px;">Covid-19 pandemic losses, and a reserve adjustment in the amount of $400 million. </div><div id="a642" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:79.68px;top:157.4px;">&#9679;</div><div id="a643" style="position:absolute;font-family:'Arial';font-size:16px;left:87.04px;top:157.3px;">&#160;</div><div id="a644" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:157.4px;">We<div style="display:inline-block;width:10.36px">&#160;</div>have<div style="display:inline-block;width:9.08px">&#160;</div>a<div style="display:inline-block;width:8.98px">&#160;</div>more<div style="display:inline-block;width:9.12px">&#160;</div>profitable<div style="display:inline-block;width:9px">&#160;</div>portfolio<div style="display:inline-block;width:9.05px">&#160;</div>driven<div style="display:inline-block;width:8.96px">&#160;</div>by<div style="display:inline-block;width:9.04px">&#160;</div>the<div style="display:inline-block;width:9.09px">&#160;</div>consistent<div style="display:inline-block;width:9.05px">&#160;</div>execution<div style="display:inline-block;width:9.08px">&#160;</div>of<div style="display:inline-block;width:8.99px">&#160;</div>our<div style="display:inline-block;width:8.99px">&#160;</div>underwriting </div><div id="a645" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:185.1px;">initiatives.<div style="display:inline-block;width:4.05px">&#160;</div></div><div id="a648" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:212.7px;">&#160;</div><div id="a649" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:55.68px;top:228px;">&#160;</div><div id="a659" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:267.6px;">Underwriting information - Reinsurance segment </div><div id="a664" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:348.827px;top:267.6px;">Q4 </div><div id="a666" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:386.347px;top:267.6px;">Full Year </div><div id="a669" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:459.413px;top:267.6px;">Q4 </div><div id="a671" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:496.853px;top:267.6px;">Full Year </div><div id="a674" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:559.893px;top:270px;">Year on year change </div><div id="a676" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:286.3px;">All values in USD millions except for percentages </div><div id="a678" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:344.187px;top:286.3px;">2020 </div><div id="a680" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:397.227px;top:286.3px;">2020 </div><div id="a683" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:454.693px;top:286.3px;">2019 </div><div id="a685" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:507.733px;top:286.3px;">2019 </div><div id="a688" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:570.933px;top:286.3px;">Q4 </div><div id="a690" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:611.013px;top:286.3px;">Full Year </div><div id="a692" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:306.3px;">Gross written premium </div><div id="a694" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:330.667px;top:306.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>1,878.6<div style="display:inline-block;width:2.96px">&#160;</div></div><div id="a697" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:381.707px;top:306.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>7,281.7<div style="display:inline-block;width:2.96px">&#160;</div></div><div id="a701" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:441.733px;top:306.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>1,677.6<div style="display:inline-block;width:2.96px">&#160;</div></div><div id="a704" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:491.733px;top:306.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>6,355.9<div style="display:inline-block;width:2.96px">&#160;</div></div><div id="a708" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:571.813px;top:306.3px;">12.0% </div><div id="a710" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:634.053px;top:306.3px;">14.6% </div><div id="a712" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:326.3px;">Net written premium </div><div id="a714" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:330.667px;top:326.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>1,793.5<div style="display:inline-block;width:2.96px">&#160;</div></div><div id="a717" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:381.707px;top:326.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>6,767.6<div style="display:inline-block;width:2.96px">&#160;</div></div><div id="a721" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:441.733px;top:326.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>1,519.3<div style="display:inline-block;width:2.96px">&#160;</div></div><div id="a724" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:491.733px;top:326.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>5,732.3<div style="display:inline-block;width:2.96px">&#160;</div></div><div id="a728" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:571.813px;top:326.3px;">18.0% </div><div id="a730" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:634.053px;top:326.3px;">18.1% </div><div id="a741" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:366.3px;">Combined ratio </div><div id="a743" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:344.747px;top:366.3px;">112.4% </div><div id="a745" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:399.787px;top:366.3px;">103.0% </div><div id="a748" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:454.773px;top:366.3px;">103.9% </div><div id="a750" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:516.773px;top:366.3px;">95.4% </div><div id="a753" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:570.773px;top:366.3px;">8.5 pts </div><div id="a755" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:633.013px;top:366.3px;">7.6 pts </div><div id="a757" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:386.3px;">Attritional combined ratio </div><div id="a759" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:350.747px;top:386.3px;">83.9% </div><div id="a761" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:405.787px;top:386.3px;">85.2% </div><div id="a764" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:460.773px;top:386.3px;">87.4% </div><div id="a766" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:516.773px;top:386.3px;">85.5% </div><div id="a769" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:566.773px;top:386.3px;">-3.5 pts </div><div id="a772" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:629.013px;top:386.3px;">-0.3 pts </div><div id="a784" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:426.3px;">Pre-tax net catastrophe losses </div><div id="a788" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:330.667px;top:426.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>60.0<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a791" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:381.707px;top:426.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>357.0<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a795" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:441.733px;top:426.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>225.0<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a798" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:491.733px;top:426.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>574.8<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a804" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:446.3px;">Pre-tax net covid losses </div><div id="a808" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:330.667px;top:446.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>56.1<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a811" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:381.707px;top:446.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>407.1<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a815" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:441.733px;top:446.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>-<div style="display:inline-block;width:8.96px">&#160;</div></div><div id="a819" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:491.733px;top:446.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>-<div style="display:inline-block;width:8.96px">&#160;</div></div><div id="a826" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:466.3px;">Pre-tax net prior year reserve development </div><div id="a830" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:330.667px;top:466.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>400.0<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a833" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:381.707px;top:466.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>396.9<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a837" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:441.733px;top:466.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>(2.7) </div><div id="a840" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:491.733px;top:466.3px;"><div style="display:inline-block;width:3.04px">&#160;</div>(77.2) </div><div id="a855" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:55.68px;top:508.6px;">Notes </div><div id="a865" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:527.2px;">1/ Attritional ratios exclude prior year reserve development, Covid-19 pandemic impacts, catastrophe losses, and reinstatement premiums </div><div id="a870" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:547.5px;"><div style="display:inline-block;width:4px">&#160;</div></div><div id="a872" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:55.68px;top:562.8px;">&#160;</div><div id="a873" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-weight:bold;left:55.68px;top:579.1px;">Insurance segment </div><div id="a875" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:79.68px;top:607.9px;">&#9679;</div><div id="a876" style="position:absolute;font-family:'Arial';font-size:16px;left:87.04px;top:607.7px;">&#160;</div><div id="a877" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:607.9px;">The Company&#8217;s<div style="display:inline-block;width:5.67px">&#160;</div>insurance segment achieved strong<div style="display:inline-block;width:5.48px">&#160;</div>growth with gross written<div style="display:inline-block;width:5.52px">&#160;</div>premiums up 15% for </div><div id="a878" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:635.5px;">the<div style="display:inline-block;width:6.13px">&#160;</div>quarter<div style="display:inline-block;width:5.98px">&#160;</div>and<div style="display:inline-block;width:6.1px">&#160;</div>15%<div style="display:inline-block;width:6.03px">&#160;</div>for<div style="display:inline-block;width:6.06px">&#160;</div>the<div style="display:inline-block;width:6.05px">&#160;</div>year,<div style="display:inline-block;width:6.63px">&#160;</div>driven<div style="display:inline-block;width:6.08px">&#160;</div>primarily<div style="display:inline-block;width:6.06px">&#160;</div>by<div style="display:inline-block;width:6.08px">&#160;</div>new<div style="display:inline-block;width:5.9px">&#160;</div>business<div style="display:inline-block;width:6.01px">&#160;</div>opportunities,<div style="display:inline-block;width:6.12px">&#160;</div>strong<div style="display:inline-block;width:6px">&#160;</div>renewal </div><div id="a879" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:663.1px;">retention, and<div style="display:inline-block;width:8.03px">&#160;</div>rate improvement. </div><div id="a881" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:690.7px;">&#160;</div><div id="a882" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:79.68px;top:719.5px;">&#9679;</div><div id="a883" style="position:absolute;font-family:'Arial';font-size:16px;left:87.04px;top:719.3px;">&#160;</div><div id="a884" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:719.5px;">The combined<div style="display:inline-block;width:5.47px">&#160;</div>ratio for<div style="display:inline-block;width:5.54px">&#160;</div>the quarter<div style="display:inline-block;width:5.5px">&#160;</div>and full<div style="display:inline-block;width:5.48px">&#160;</div>year 2020<div style="display:inline-block;width:5.43px">&#160;</div>reflected the<div style="display:inline-block;width:5.54px">&#160;</div>impact of<div style="display:inline-block;width:5.45px">&#160;</div>catastrophe losses<div style="display:inline-block;width:5.4px">&#160;</div>and </div><div id="a886" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:747.1px;">Covid-19 pandemic losses. </div><div id="a890" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:774.7px;">&#160;</div><div id="a891" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:79.68px;top:803.4px;">&#9679;</div><div id="a892" style="position:absolute;font-family:'Arial';font-size:16px;left:87.04px;top:803.2px;">&#160;</div><div id="a893" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:803.4px;">We<div style="display:inline-block;width:9.96px">&#160;</div>achieved<div style="display:inline-block;width:8.59px">&#160;</div>record<div style="display:inline-block;width:8.66px">&#160;</div>renewal<div style="display:inline-block;width:8.65px">&#160;</div>rate<div style="display:inline-block;width:8.58px">&#160;</div>increases<div style="display:inline-block;width:8.73px">&#160;</div>of<div style="display:inline-block;width:8.51px">&#160;</div>+21%<div style="display:inline-block;width:8.69px">&#160;</div>in<div style="display:inline-block;width:8.59px">&#160;</div>the<div style="display:inline-block;width:8.61px">&#160;</div>fourth<div style="display:inline-block;width:8.66px">&#160;</div>quarter<div style="display:inline-block;width:8.62px">&#160;</div>excluding<div style="display:inline-block;width:8.59px">&#160;</div>workers </div><div id="a894" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:831px;">compensation, and up 14% including workers compensation where we are seeing rates flatten. </div><div id="a898" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:858.6px;">&#160;</div><div id="a899" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:247.707px;top:858.6px;">&#160;</div></div>
</div>
<div style="padding: 7px">
<div id="Page5" style="background-color:RGB(256, 256, 256);position:relative;margin-left:auto;margin-right:auto;overflow:hidden;border-style:solid;border-width:thin;border-color:RGB(198, 198, 198);page-break-after:always;width:816px;height:1056px;">
<div style="position:absolute; width:619.3px; height:1.3px; left:55px; top:124.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:503.4px; height:38.6px; left:56.3px; top:126.1px; background-color:#DEEBF7; ">&#160;</div>
<div style="position:absolute; width:616.8px; height:38.7px; left:56.3px; top:126px; background-color:#DEEBF7; ">&#160;</div>
<div style="position:absolute; width:1.3px; height:242.3px; left:55px; top:124.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:619.3px; height:1.3px; left:55px; top:365.8px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:1.3px; height:242.3px; left:673.1px; top:124.7px; background-color:#000000; ">&#160;</div>
<div id="a900" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:15px;">&#160;</div><div id="a901" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:403.707px;top:996.7px;">&#160;</div><div id="a902" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:400.027px;top:1011.3px;">5</div><div id="a903" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:407.387px;top:1010px;">&#160;</div><div id="a904" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:72.4px;">&#160;</div><div id="a905" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:55.68px;top:87.8px;">&#160;</div><div id="a915" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:126.3px;">Underwriting information - Insurance segment </div><div id="a920" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:349.867px;top:126.3px;">Q4 </div><div id="a922" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:388.347px;top:126.3px;">Full Year </div><div id="a925" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:463.893px;top:126.3px;">Q4 </div><div id="a927" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:502.853px;top:126.3px;">Full Year </div><div id="a930" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:559.733px;top:126.3px;">Year on year change </div><div id="a932" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:145px;">All values in USD millions except for percentages </div><div id="a934" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:345.147px;top:145px;">2020 </div><div id="a936" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:399.227px;top:145px;">2020 </div><div id="a939" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:459.173px;top:145px;">2019 </div><div id="a941" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:513.733px;top:145px;">2019 </div><div id="a944" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:577.893px;top:145px;">Q4 </div><div id="a946" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:619.013px;top:145px;">Full Year </div><div id="a948" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:165px;">Gross written premium </div><div id="a950" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:330.667px;top:165px;"><div style="display:inline-block;width:3.04px">&#160;</div>871.9<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a953" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:383.707px;top:165px;"><div style="display:inline-block;width:3.04px">&#160;</div>3,200.6<div style="display:inline-block;width:2.96px">&#160;</div></div><div id="a957" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:444.693px;top:165px;"><div style="display:inline-block;width:3.04px">&#160;</div>758.7<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a960" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:497.733px;top:165px;"><div style="display:inline-block;width:3.04px">&#160;</div>2,777.5<div style="display:inline-block;width:2.96px">&#160;</div></div><div id="a964" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:579.813px;top:165px;">14.9% </div><div id="a966" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:642.053px;top:165px;">15.2% </div><div id="a968" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:185px;">Net written premium </div><div id="a970" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:330.667px;top:185px;"><div style="display:inline-block;width:3.04px">&#160;</div>655.8<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a973" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:383.707px;top:185px;"><div style="display:inline-block;width:3.04px">&#160;</div>2,349.4<div style="display:inline-block;width:2.96px">&#160;</div></div><div id="a977" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:444.693px;top:185px;"><div style="display:inline-block;width:3.04px">&#160;</div>600.9<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a980" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:497.733px;top:185px;"><div style="display:inline-block;width:3.04px">&#160;</div>2,092.2<div style="display:inline-block;width:2.96px">&#160;</div></div><div id="a984" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:585.813px;top:185px;">9.1% </div><div id="a986" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:642.053px;top:185px;">12.3% </div><div id="a997" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:225px;">Combined ratio </div><div id="a999" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:352.747px;top:225px;">99.0% </div><div id="a1001" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:401.787px;top:225px;">102.6% </div><div id="a1004" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:466.773px;top:225px;">95.1% </div><div id="a1006" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:522.773px;top:225px;">95.8% </div><div id="a1009" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:578.773px;top:225px;">3.9 pts </div><div id="a1011" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:641.013px;top:225px;">6.8 pts </div><div id="a1013" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:245px;">Attritional combined ratio </div><div id="a1015" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:352.747px;top:245px;">93.8% </div><div id="a1017" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:407.787px;top:245px;">94.2% </div><div id="a1020" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:466.773px;top:245px;">98.1% </div><div id="a1022" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:522.773px;top:245px;">96.5% </div><div id="a1025" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:574.773px;top:245px;">-4.3 pts </div><div id="a1028" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:637.013px;top:245px;">-2.3 pts </div><div id="a1040" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:285px;">Pre-tax net catastrophe losses </div><div id="a1044" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:330.667px;top:285px;"><div style="display:inline-block;width:3.04px">&#160;</div>10.0<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a1047" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:383.707px;top:285px;"><div style="display:inline-block;width:3.04px">&#160;</div>68.0<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a1051" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:444.693px;top:285px;"><div style="display:inline-block;width:3.04px">&#160;</div>0.0<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a1054" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:497.733px;top:285px;"><div style="display:inline-block;width:3.04px">&#160;</div>0.7<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a1060" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:305px;">Pre-tax net covid losses </div><div id="a1064" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:330.667px;top:305px;"><div style="display:inline-block;width:3.04px">&#160;</div>20.0<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a1067" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:383.707px;top:305px;"><div style="display:inline-block;width:3.04px">&#160;</div>104.0<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a1071" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:444.693px;top:305px;"><div style="display:inline-block;width:3.04px">&#160;</div>-<div style="display:inline-block;width:8.96px">&#160;</div></div><div id="a1075" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:497.733px;top:305px;"><div style="display:inline-block;width:3.04px">&#160;</div>-<div style="display:inline-block;width:8.96px">&#160;</div></div><div id="a1082" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:56.32px;top:325px;">Pre-tax net prior year reserve development </div><div id="a1086" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:330.667px;top:325px;"><div style="display:inline-block;width:3.04px">&#160;</div>-<div style="display:inline-block;width:8.96px">&#160;</div></div><div id="a1090" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:383.707px;top:325px;"><div style="display:inline-block;width:3.04px">&#160;</div>4.6<div style="display:inline-block;width:2.92px">&#160;</div></div><div id="a1094" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:444.693px;top:325px;"><div style="display:inline-block;width:3.04px">&#160;</div>(16.4) </div><div id="a1097" style="position:absolute;font-family:'Times New Roman';font-size:12px;left:497.733px;top:325px;"><div style="display:inline-block;width:3.04px">&#160;</div>(16.4) </div><div id="a1112" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:367.3px;">Notes </div><div id="a1122" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:386.9px;">1/ Attritional ratios exclude prior year reserve development, Covid-19 pandemic impacts, catastrophe losses, and reinstatement premiums </div><div id="a1127" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:408.1px;"><div style="display:inline-block;width:4px">&#160;</div></div><div id="a1129" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:55.68px;top:423.5px;">&#160;</div><div id="a1130" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-weight:bold;left:55.68px;top:439.8px;">Investments and capital </div><div id="a1132" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:79.68px;top:468.5px;">&#9679;</div><div id="a1133" style="position:absolute;font-family:'Arial';font-size:16px;left:87.04px;top:468.4px;">&#160;</div><div id="a1134" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:468.5px;">Net<div style="display:inline-block;width:6.74px">&#160;</div>investment<div style="display:inline-block;width:6.75px">&#160;</div>income<div style="display:inline-block;width:6.67px">&#160;</div>of<div style="display:inline-block;width:6.75px">&#160;</div>$222<div style="display:inline-block;width:6.72px">&#160;</div>million<div style="display:inline-block;width:6.81px">&#160;</div>for<div style="display:inline-block;width:6.7px">&#160;</div>the<div style="display:inline-block;width:6.69px">&#160;</div>quarter<div style="display:inline-block;width:6.78px">&#160;</div>and<div style="display:inline-block;width:6.66px">&#160;</div>$647<div style="display:inline-block;width:6.72px">&#160;</div>million<div style="display:inline-block;width:6.73px">&#160;</div>for<div style="display:inline-block;width:6.78px">&#160;</div>the<div style="display:inline-block;width:6.69px">&#160;</div>year,<div style="display:inline-block;width:7.43px">&#160;</div>including </div><div id="a1135" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:496.2px;">limited partnership gains of $91 million for the quarter and $113 million for the year </div><div id="a1138" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:79.68px;top:524.9px;">&#9679;</div><div id="a1139" style="position:absolute;font-family:'Arial';font-size:16px;left:87.04px;top:524.8px;">&#160;</div><div id="a1140" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:524.9px;">Total invested assets and cash of $25.5 billion at December 31, 2020, 23% growth year over year </div><div id="a1142" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:79.68px;top:553.7px;">&#9679;</div><div id="a1143" style="position:absolute;font-family:'Arial';font-size:16px;left:87.04px;top:553.5px;">&#160;</div><div id="a1144" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:553.7px;">Shareholders&#8217; equity increased to a record $9.7 billion at December 31, 2020 </div><div id="a1146" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:79.68px;top:582.4px;">&#9679;</div><div id="a1147" style="position:absolute;font-family:'Arial';font-size:16px;left:87.04px;top:582.3px;">&#160;</div><div id="a1148" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:582.4px;">Book<div style="display:inline-block;width:5.73px">&#160;</div>value<div style="display:inline-block;width:5.75px">&#160;</div>per<div style="display:inline-block;width:5.81px">&#160;</div>diluted<div style="display:inline-block;width:5.64px">&#160;</div>share<div style="display:inline-block;width:5.76px">&#160;</div>at<div style="display:inline-block;width:5.81px">&#160;</div>December<div style="display:inline-block;width:5.71px">&#160;</div>31,<div style="display:inline-block;width:5.68px">&#160;</div>2020<div style="display:inline-block;width:5.76px">&#160;</div>of<div style="display:inline-block;width:5.79px">&#160;</div>$243.25,<div style="display:inline-block;width:5.68px">&#160;</div>up<div style="display:inline-block;width:5.76px">&#160;</div>11.4%<div style="display:inline-block;width:6.31px">&#160;</div>on<div style="display:inline-block;width:5.76px">&#160;</div>a<div style="display:inline-block;width:5.7px">&#160;</div>dividend<div style="display:inline-block;width:5.77px">&#160;</div>adjusted </div><div id="a1149" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:610.1px;">basis since year end 2019 </div><div id="a1151" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:79.68px;top:638.8px;">&#9679;</div><div id="a1152" style="position:absolute;font-family:'Arial';font-size:16px;left:87.04px;top:638.7px;">&#160;</div><div id="a1153" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:638.8px;">Common share dividends declared and paid of $1.55 per share, equal to $62 million for the quarter </div><div id="a1155" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:79.68px;top:667.5px;">&#9679;</div><div id="a1156" style="position:absolute;font-family:'Arial';font-size:16px;left:87.04px;top:667.4px;">&#160;</div><div id="a1157" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:103.68px;top:667.5px;">The Company repurchased no common shares in the quarter </div><div id="a1160" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:695.1px;">&#160;</div><div id="a1161" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:722.7px;">&#160;</div><div id="a1162" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:750.3px;">&#160;</div><div id="a1163" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-style:italic;left:55.68px;top:777.9px;">This news release contains forward-looking statements within the meaning of the<div style="display:inline-block;width:5.34px">&#160;</div>U.S. federal securities </div><div id="a1166" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-style:italic;left:55.68px;top:796.3px;">laws.<div style="display:inline-block;width:8.02px">&#160;</div>We<div style="display:inline-block;width:5.52px">&#160;</div>intend these forward-looking statements to be covered by the safe harbor provisions<div style="display:inline-block;width:5.74px">&#160;</div>for forward-</div><div id="a1170" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-style:italic;left:55.68px;top:814.7px;">looking statements in the U.S. Federal securities laws.<div style="display:inline-block;width:8.03px">&#160;</div>These statements involve risks and uncertainties that </div><div id="a1173" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-style:italic;left:55.68px;top:833.1px;">could cause actual results to differ materially from those contained in forward<div style="display:inline-block;width:1.77px">&#160;</div>-looking statements made on </div><div id="a1176" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-style:italic;left:55.68px;top:851.5px;">behalf of the Company.<div style="display:inline-block;width:8.93px">&#160;</div>These risks and uncertainties include the impact of general economic conditions </div><div id="a1178" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-style:italic;left:55.68px;top:869.9px;">and conditions affecting the insurance and reinsurance industry,<div style="display:inline-block;width:5.46px">&#160;</div>the adequacy of our reserves, our ability to </div><div id="a1179" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-style:italic;left:55.68px;top:888.3px;">assess underwriting risk, trends in rates for property and casualty insurance and reinsurance,<div style="display:inline-block;width:5.83px">&#160;</div></div><div id="a1181" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-style:italic;left:55.68px;top:906.7px;">&#160;</div><div id="a1182" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-style:italic;left:247.707px;top:906.7px;">&#160;</div></div>
</div>
<div style="padding: 7px">
<div id="Page6" style="background-color:RGB(256, 256, 256);position:relative;margin-left:auto;margin-right:auto;overflow:hidden;border-style:solid;border-width:thin;border-color:RGB(198, 198, 198);page-break-after:always;width:816px;height:1056px;">
<div style="position:absolute; width:192.6px; height:1px; left:55.3px; top:189.5px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:125.3px; height:1px; left:55.3px; top:520.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:151.7px; height:1px; left:573.7px; top:603.5px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:124.6px; height:1px; left:457px; top:686.3px; background-color:#0000FF; ">&#160;</div>
<div id="a1183" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:15px;">&#160;</div><div id="a1184" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:403.707px;top:996.7px;">&#160;</div><div id="a1185" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:400.027px;top:1011.3px;">6</div><div id="a1186" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:407.387px;top:1010px;">&#160;</div><div id="a1187" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-style:italic;left:55.68px;top:72.4px;">competition, investment market and investment income fluctuations, trends in insured and paid losses, </div><div id="a1190" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-style:italic;left:55.68px;top:90.8px;">catastrophes, pandemic, regulatory and legal uncertainties and other factors described in our latest Annual </div><div id="a1191" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-style:italic;left:55.68px;top:109.2px;">Report on Form 10-K.<div style="display:inline-block;width:7.97px">&#160;</div>The Company undertakes no obligation to publicly update or revise any forward-</div><div id="a1196" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-style:italic;left:55.68px;top:127.6px;">looking statements, whether as a result of new information, future events or otherwise. </div><div id="a1198" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-style:italic;left:55.68px;top:146px;">&#160;</div><div id="a1199" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:173.6px;">About Everest Re Group, Ltd. </div><div id="a1203" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:201.2px;">&#160;</div><div id="a1204" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:228.8px;">Everest Re Group, Ltd.<div style="display:inline-block;width:5.63px">&#160;</div>(&#8220;Everest&#8221;) is a leading<div style="display:inline-block;width:5.66px">&#160;</div>global provider of reinsurance<div style="display:inline-block;width:5.6px">&#160;</div>and insurance, operating for </div><div id="a1206" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:256.4px;">close<div style="display:inline-block;width:8.24px">&#160;</div>to<div style="display:inline-block;width:8.19px">&#160;</div>50<div style="display:inline-block;width:8.08px">&#160;</div>years<div style="display:inline-block;width:8.24px">&#160;</div>through<div style="display:inline-block;width:8.15px">&#160;</div>subsidiaries<div style="display:inline-block;width:8.21px">&#160;</div>in<div style="display:inline-block;width:8.19px">&#160;</div>the<div style="display:inline-block;width:8.13px">&#160;</div>U.S.,<div style="display:inline-block;width:8.19px">&#160;</div>Europe,<div style="display:inline-block;width:8.2px">&#160;</div>Singapore,<div style="display:inline-block;width:8.24px">&#160;</div>Canada,<div style="display:inline-block;width:8.1px">&#160;</div>Bermuda,<div style="display:inline-block;width:8.23px">&#160;</div>and<div style="display:inline-block;width:8.18px">&#160;</div>other </div><div id="a1208" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:284px;">territories. </div><div id="a1210" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:311.6px;">&#160;</div><div id="a1211" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:339.2px;">Everest offers<div style="display:inline-block;width:6.6px">&#160;</div>property,<div style="display:inline-block;width:6.2px">&#160;</div>casualty,<div style="display:inline-block;width:6.22px">&#160;</div>and specialty<div style="display:inline-block;width:6.27px">&#160;</div>products through<div style="display:inline-block;width:6.24px">&#160;</div>its various<div style="display:inline-block;width:6.34px">&#160;</div>operating affiliates<div style="display:inline-block;width:6.54px">&#160;</div>located in </div><div id="a1213" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:366.8px;">key markets around the world. </div><div id="a1215" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:394.4px;">&#160;</div><div id="a1216" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:422px;">Everest common stock (NYSE:RE) is a component of the S&amp;P 500 index. </div><div id="a1218" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:449.6px;">&#160;</div><div id="a1219" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:477.2px;">Additional<div style="display:inline-block;width:8.36px">&#160;</div>information<div style="display:inline-block;width:8.22px">&#160;</div>about<div style="display:inline-block;width:8.37px">&#160;</div>Everest,<div style="display:inline-block;width:8.26px">&#160;</div>our<div style="display:inline-block;width:8.35px">&#160;</div>people,<div style="display:inline-block;width:8.23px">&#160;</div>and<div style="display:inline-block;width:8.34px">&#160;</div>our<div style="display:inline-block;width:8.27px">&#160;</div>products<div style="display:inline-block;width:8.26px">&#160;</div>can<div style="display:inline-block;width:8.36px">&#160;</div>be<div style="display:inline-block;width:8.34px">&#160;</div>found<div style="display:inline-block;width:8.27px">&#160;</div>on<div style="display:inline-block;width:8.32px">&#160;</div>our<div style="display:inline-block;width:8.27px">&#160;</div>website<div style="display:inline-block;width:8.4px">&#160;</div>at </div><div id="a1220" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-style:italic;left:55.68px;top:504.8px;">www.everestre.com</div><div id="a1221" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:180.987px;top:504.8px;">. All issuing companies may not do business in all jurisdictions. </div><div id="a1224" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:532.4px;">&#160;</div><div id="a1225" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:559.9px;">A conference call discussing the second quarter<div style="display:inline-block;width:2.51px">&#160;</div>results will be held at 8:00 a.m. Eastern Time<div style="display:inline-block;width:5.41px">&#160;</div>on February 9, </div><div id="a1226" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:587.5px;">2021.<div style="display:inline-block;width:6.56px">&#160;</div>The call<div style="display:inline-block;width:2.27px">&#160;</div>will be<div style="display:inline-block;width:2.33px">&#160;</div>available<div style="display:inline-block;width:2.02px">&#160;</div>on the<div style="display:inline-block;width:2.61px">&#160;</div>Internet<div style="display:inline-block;width:2.17px">&#160;</div>through<div style="display:inline-block;width:2.47px">&#160;</div>the Company&#8217;s<div style="display:inline-block;width:2.12px">&#160;</div>web site<div style="display:inline-block;width:2.14px">&#160;</div>at everestre.com/investors. </div><div id="a1231" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:615.1px;">&#160;</div><div id="a1232" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:642.7px;">Recipients are encouraged<div style="display:inline-block;width:2.32px">&#160;</div>to visit the Company&#8217;s<div style="display:inline-block;width:5.42px">&#160;</div>web site to view<div style="display:inline-block;width:5.5px">&#160;</div>supplemental<div style="display:inline-block;width:2.61px">&#160;</div>financial information<div style="display:inline-block;width:2.09px">&#160;</div>on the </div><div id="a1234" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:670.3px;">Company&#8217;s results.<div style="display:inline-block;width:6.46px">&#160;</div>The supplemental<div style="display:inline-block;width:1.49px">&#160;</div>information<div style="display:inline-block;width:2.14px">&#160;</div>is located at </div><div id="a1235" style="position:absolute;font-family:'Times New Roman';font-size:16px;color:#0000FF;left:457.413px;top:670.3px;">www.everestre.com</div><div id="a1236" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:581.973px;top:670.3px;"><div style="display:inline-block;width:4.24px">&#160;</div>in the &#8220;Investors/Financial </div><div id="a1238" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:697.9px;">Reports/Quarterly Reports&#8221;<div style="display:inline-block;width:6.32px">&#160;</div>section<div style="display:inline-block;width:6.39px">&#160;</div>of<div style="display:inline-block;width:7.23px">&#160;</div>the<div style="display:inline-block;width:7.17px">&#160;</div>website.<div style="display:inline-block;width:13.76px">&#160;</div>The<div style="display:inline-block;width:7.12px">&#160;</div>supplemental financial<div style="display:inline-block;width:7.2px">&#160;</div>information<div style="display:inline-block;width:5.42px">&#160;</div>may<div style="display:inline-block;width:7.09px">&#160;</div>also<div style="display:inline-block;width:6.95px">&#160;</div>be </div><div id="a1240" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:725.5px;">obtained<div style="display:inline-block;width:2.19px">&#160;</div>by contacting<div style="display:inline-block;width:1.2px">&#160;</div>the Company<div style="display:inline-block;width:1.59px">&#160;</div>directly.<div style="display:inline-block;width:3.08px">&#160;</div></div><div id="a1242" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:753.1px;">_______________________________________________ </div><div id="a1244" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:779.6px;">&#160;</div><div id="a1245" style="position:absolute;font-family:'Times New Roman';left:247.707px;top:779.6px;">&#160;</div></div>
</div>
<div style="padding: 7px">
<div id="Page7" style="background-color:RGB(256, 256, 256);position:relative;margin-left:auto;margin-right:auto;overflow:hidden;border-style:solid;border-width:thin;border-color:RGB(198, 198, 198);page-break-after:always;width:816px;height:1056px;">
<div style="position:absolute; width:201.5px; height:1px; left:265.9px; top:281.4px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:202.9px; height:1px; left:470.5px; top:281.4px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:99.8px; height:1px; left:265.9px; top:301.4px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:98.7px; height:1px; left:368.7px; top:301.4px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:102.1px; height:1px; left:470.5px; top:301.4px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:97.8px; height:1px; left:575.6px; top:301.4px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:99.8px; height:1px; left:265.9px; top:392.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:98.7px; height:1px; left:368.7px; top:392.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:102.1px; height:1px; left:470.5px; top:392.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:51.8px; height:1px; left:575.6px; top:392.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:43px; height:1px; left:630.4px; top:392.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:48.9px; height:1px; left:265.9px; top:472.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:47.8px; height:1px; left:317.9px; top:472.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:47.8px; height:1px; left:368.7px; top:472.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:47.9px; height:1px; left:419.5px; top:472.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:49.9px; height:1px; left:470.5px; top:472.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:47.8px; height:1px; left:524.7px; top:472.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:51.8px; height:1px; left:575.6px; top:472.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:43px; height:1px; left:630.4px; top:472.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:48.9px; height:1px; left:265.9px; top:512.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:47.8px; height:1px; left:317.9px; top:512.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:47.8px; height:1px; left:368.7px; top:512.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:47.9px; height:1px; left:419.5px; top:512.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:49.9px; height:1px; left:470.5px; top:512.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:47.8px; height:1px; left:524.7px; top:512.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:51.8px; height:1px; left:575.6px; top:512.3px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:43px; height:1px; left:630.4px; top:512.3px; background-color:#000000; ">&#160;</div>
<div id="a1246" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:15px;">&#160;</div><div id="a1247" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:403.707px;top:996.7px;">&#160;</div><div id="a1248" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:400.027px;top:1011.3px;">7</div><div id="a1249" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:407.387px;top:1010px;">&#160;</div><div id="a1250" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:71.3px;">&#160;</div><div id="a1251" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:100px;">The Company<div style="display:inline-block;width:5.47px">&#160;</div>generally uses<div style="display:inline-block;width:5.48px">&#160;</div>after-tax operating<div style="display:inline-block;width:5.75px">&#160;</div>income (loss),<div style="display:inline-block;width:5.51px">&#160;</div>a non-GAAP<div style="display:inline-block;width:5.39px">&#160;</div>financial measure,<div style="display:inline-block;width:5.61px">&#160;</div>to evaluate </div><div id="a1256" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:127.6px;">its<div style="display:inline-block;width:6.56px">&#160;</div>performance.<div style="display:inline-block;width:13.08px">&#160;</div>After-tax<div style="display:inline-block;width:6.83px">&#160;</div>operating<div style="display:inline-block;width:6.46px">&#160;</div>income<div style="display:inline-block;width:6.51px">&#160;</div>(loss)<div style="display:inline-block;width:6.61px">&#160;</div>consists<div style="display:inline-block;width:6.45px">&#160;</div>of<div style="display:inline-block;width:6.51px">&#160;</div>net<div style="display:inline-block;width:6.53px">&#160;</div>income<div style="display:inline-block;width:6.51px">&#160;</div>(loss)<div style="display:inline-block;width:6.55px">&#160;</div>excluding<div style="display:inline-block;width:6.59px">&#160;</div>after-tax<div style="display:inline-block;width:6.86px">&#160;</div>net </div><div id="a1263" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:155.2px;">realized<div style="display:inline-block;width:8.73px">&#160;</div>capital<div style="display:inline-block;width:8.56px">&#160;</div>gains<div style="display:inline-block;width:8.63px">&#160;</div>(losses)<div style="display:inline-block;width:8.72px">&#160;</div>and<div style="display:inline-block;width:8.5px">&#160;</div>after-tax<div style="display:inline-block;width:9.05px">&#160;</div>net<div style="display:inline-block;width:8.61px">&#160;</div>foreign<div style="display:inline-block;width:8.68px">&#160;</div>exchange<div style="display:inline-block;width:8.63px">&#160;</div>income<div style="display:inline-block;width:8.67px">&#160;</div>(expense)<div style="display:inline-block;width:8.61px">&#160;</div>as<div style="display:inline-block;width:8.59px">&#160;</div>the<div style="display:inline-block;width:8.61px">&#160;</div>following </div><div id="a1267" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:182.8px;">reconciliation displays: </div><div id="a1269" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:210.4px;">&#160;</div><div id="a1270" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:55.68px;top:225.8px;">&#160;</div><div id="a1272" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:327.627px;top:251.2px;">Three Months Ended </div><div id="a1275" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:529.813px;top:251.2px;">Twelve Months Ended </div><div id="a1278" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:340.827px;top:271.2px;">December 31, </div><div id="a1281" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:546.133px;top:271.2px;">December 31, </div><div id="a1283" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:291.2px;">(Dollars in thousands, except per share amounts) </div><div id="a1285" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:281.387px;top:291.2px;">2020 </div><div id="a1290" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:383.627px;top:291.2px;">2019 </div><div id="a1295" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:486.453px;top:291.2px;">2020 </div><div id="a1300" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:592.453px;top:291.2px;">2019 </div><div id="a1307" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:320.587px;top:311.2px;">(unaudited) </div><div id="a1316" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:527.493px;top:311.2px;">(unaudited) </div><div id="a1341" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:320.667px;top:342.2px;">Per Diluted </div><div id="a1346" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:422.427px;top:342.2px;">Per Diluted </div><div id="a1351" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:527.573px;top:342.2px;">Per Diluted </div><div id="a1356" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:630.853px;top:342.2px;">Per Diluted </div><div id="a1362" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:324.747px;top:362.2px;">Common </div><div id="a1367" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:426.507px;top:362.2px;">Common </div><div id="a1372" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:531.653px;top:362.2px;">Common </div><div id="a1377" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:634.853px;top:362.2px;">Common </div><div id="a1380" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:275.467px;top:382.2px;">Amount </div><div id="a1383" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:331.467px;top:382.2px;">Share </div><div id="a1386" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:377.707px;top:382.2px;">Amount </div><div id="a1389" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:433.253px;top:382.2px;">Share </div><div id="a1392" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:480.453px;top:382.2px;">Amount </div><div id="a1395" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:538.373px;top:382.2px;">Share </div><div id="a1398" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:586.533px;top:382.2px;">Amount </div><div id="a1401" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:641.573px;top:382.2px;">Share </div><div id="a1419" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:422.2px;">Net income (loss) </div><div id="a1421" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:281.867px;top:422.2px;">$63,601 </div><div id="a1424" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:342.107px;top:422.2px;">$1.59 </div><div id="a1427" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:378.987px;top:422.2px;">$217,644 </div><div id="a1431" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:443.893px;top:422.2px;">$5.32 </div><div id="a1434" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:482.773px;top:422.2px;">$514,151 </div><div id="a1437" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:544.293px;top:422.2px;">$12.78 </div><div id="a1440" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:582.773px;top:422.2px;">$1,009,461 </div><div id="a1443" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:645.013px;top:422.2px;">$24.70 </div><div id="a1445" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:442.2px;">After-tax net realized capital gains (losses) </div><div id="a1449" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:281.867px;top:442.2px;">149,950 </div><div id="a1452" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:346.747px;top:442.2px;">3.74 </div><div id="a1455" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:388.267px;top:442.2px;">61,052 </div><div id="a1458" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:448.533px;top:442.2px;">1.49 </div><div id="a1461" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:487.413px;top:442.2px;">217,017 </div><div id="a1463" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:520.693px;top:442.2px;">- </div><div id="a1465" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:553.653px;top:442.2px;">5.39 </div><div id="a1468" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:594.453px;top:442.2px;">150,808 </div><div id="a1471" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:654.373px;top:442.2px;">3.69 </div><div id="a1473" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:462.2px;">After-tax net foreign exchange income (expense) </div><div id="a1477" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:283.307px;top:462.2px;">(42,165) </div><div id="a1480" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:343.467px;top:462.2px;">(1.05) </div><div id="a1483" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:388.267px;top:462.2px;">25,763 </div><div id="a1486" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:448.533px;top:462.2px;">0.63 </div><div id="a1489" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:493.493px;top:462.2px;">(2,932) </div><div id="a1492" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:550.373px;top:462.2px;">(0.07) </div><div id="a1495" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:595.813px;top:462.2px;">(13,767) </div><div id="a1498" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:651.173px;top:462.2px;">(0.34) </div><div id="a1516" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:502.2px;">After-tax operating income (loss) </div><div id="a1520" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:278.667px;top:502.2px;">$(44,184) </div><div id="a1523" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:338.827px;top:502.2px;">$(1.12) </div><div id="a1526" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:378.987px;top:502.2px;">$130,828 </div><div id="a1529" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:443.893px;top:502.2px;">$3.20 </div><div id="a1532" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:482.773px;top:502.2px;">$300,066 </div><div id="a1535" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:549.013px;top:502.2px;">$7.46 </div><div id="a1538" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:589.813px;top:502.2px;">$872,420 </div><div id="a1541" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:645.013px;top:502.2px;">$21.34 </div><div id="a1559" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:531.6px;">(Some amounts may not reconcile due to rounding.) </div><div id="a1561" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:547.1px;"><div style="display:inline-block;width:4px">&#160;</div></div><div id="a1563" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:55.68px;top:562.5px;">&#160;</div><div id="a1564" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:578.9px;">Although net<div style="display:inline-block;width:5.77px">&#160;</div>realized capital<div style="display:inline-block;width:5.77px">&#160;</div>gains (losses)<div style="display:inline-block;width:5.82px">&#160;</div>and net<div style="display:inline-block;width:5.75px">&#160;</div>foreign exchange<div style="display:inline-block;width:5.79px">&#160;</div>income (expense)<div style="display:inline-block;width:5.76px">&#160;</div>are an<div style="display:inline-block;width:5.77px">&#160;</div>integral part </div><div id="a1565" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:606.5px;">of the<div style="display:inline-block;width:6.16px">&#160;</div>Company&#8217;s<div style="display:inline-block;width:5.91px">&#160;</div>insurance operations,<div style="display:inline-block;width:6.07px">&#160;</div>the determination<div style="display:inline-block;width:6.15px">&#160;</div>of net<div style="display:inline-block;width:6.16px">&#160;</div>realized capital<div style="display:inline-block;width:6.17px">&#160;</div>gains (losses)<div style="display:inline-block;width:5.98px">&#160;</div>and foreign </div><div id="a1567" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:634.1px;">exchange<div style="display:inline-block;width:5.35px">&#160;</div>income (expense)<div style="display:inline-block;width:6.64px">&#160;</div>is independent<div style="display:inline-block;width:6.65px">&#160;</div>of the<div style="display:inline-block;width:6.56px">&#160;</div>insurance underwriting<div style="display:inline-block;width:6.61px">&#160;</div>process.<div style="display:inline-block;width:10.66px">&#160;</div>The Company<div style="display:inline-block;width:6.59px">&#160;</div>believes </div><div id="a1568" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:661.7px;">that<div style="display:inline-block;width:7.05px">&#160;</div>the<div style="display:inline-block;width:7.01px">&#160;</div>level<div style="display:inline-block;width:7.07px">&#160;</div>of<div style="display:inline-block;width:6.99px">&#160;</div>net<div style="display:inline-block;width:7.01px">&#160;</div>realized<div style="display:inline-block;width:7.05px">&#160;</div>capital<div style="display:inline-block;width:7.04px">&#160;</div>gains<div style="display:inline-block;width:7.03px">&#160;</div>(losses)<div style="display:inline-block;width:6.96px">&#160;</div>and<div style="display:inline-block;width:7.06px">&#160;</div>net<div style="display:inline-block;width:7.01px">&#160;</div>foreign<div style="display:inline-block;width:7px">&#160;</div>exchange<div style="display:inline-block;width:7.09px">&#160;</div>income<div style="display:inline-block;width:6.99px">&#160;</div>(expense)<div style="display:inline-block;width:7.01px">&#160;</div>for<div style="display:inline-block;width:7.02px">&#160;</div>any </div><div id="a1570" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:689.3px;">particular<div style="display:inline-block;width:5.82px">&#160;</div>period<div style="display:inline-block;width:5.84px">&#160;</div>is<div style="display:inline-block;width:5.81px">&#160;</div>not<div style="display:inline-block;width:5.71px">&#160;</div>indicative<div style="display:inline-block;width:5.87px">&#160;</div>of<div style="display:inline-block;width:5.71px">&#160;</div>the<div style="display:inline-block;width:5.81px">&#160;</div>performance<div style="display:inline-block;width:5.8px">&#160;</div>of<div style="display:inline-block;width:5.79px">&#160;</div>the<div style="display:inline-block;width:5.73px">&#160;</div>underlying<div style="display:inline-block;width:5.8px">&#160;</div>business<div style="display:inline-block;width:5.85px">&#160;</div>in<div style="display:inline-block;width:5.71px">&#160;</div>that<div style="display:inline-block;width:5.85px">&#160;</div>particular<div style="display:inline-block;width:5.82px">&#160;</div>period.<div style="display:inline-block;width:3.84px">&#160;</div></div><div id="a1571" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:716.9px;">Providing only<div style="display:inline-block;width:6.12px">&#160;</div>a GAAP<div style="display:inline-block;width:6.06px">&#160;</div>presentation of<div style="display:inline-block;width:6.08px">&#160;</div>net income<div style="display:inline-block;width:6.08px">&#160;</div>(loss) makes<div style="display:inline-block;width:5.97px">&#160;</div>it more<div style="display:inline-block;width:6.07px">&#160;</div>difficult for<div style="display:inline-block;width:6.33px">&#160;</div>users of<div style="display:inline-block;width:6.03px">&#160;</div>the financial </div><div id="a1572" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:744.4px;">information to<div style="display:inline-block;width:5.94px">&#160;</div>evaluate the<div style="display:inline-block;width:5.8px">&#160;</div>Company&#8217;s<div style="display:inline-block;width:5.83px">&#160;</div>success or<div style="display:inline-block;width:5.81px">&#160;</div>failure in<div style="display:inline-block;width:5.8px">&#160;</div>its basic<div style="display:inline-block;width:5.93px">&#160;</div>business and<div style="display:inline-block;width:5.79px">&#160;</div>may lead<div style="display:inline-block;width:5.88px">&#160;</div>to incorrect<div style="display:inline-block;width:5.9px">&#160;</div>or </div><div id="a1574" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:772px;">misleading assumptions and conclusions.<div style="display:inline-block;width:8.18px">&#160;</div>The Company understands that the equity analysts who follow the </div><div id="a1575" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:799.6px;">Company focus<div style="display:inline-block;width:5.44px">&#160;</div>on after-tax<div style="display:inline-block;width:5.77px">&#160;</div>operating income<div style="display:inline-block;width:5.36px">&#160;</div>(loss) in<div style="display:inline-block;width:5.36px">&#160;</div>their analyses<div style="display:inline-block;width:5.44px">&#160;</div>for the<div style="display:inline-block;width:5.48px">&#160;</div>reasons discussed<div style="display:inline-block;width:5.41px">&#160;</div>above.<div style="display:inline-block;width:9.4px">&#160;</div>The </div><div id="a1579" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:827.2px;">Company<div style="display:inline-block;width:7.86px">&#160;</div>provides<div style="display:inline-block;width:7.94px">&#160;</div>after-tax<div style="display:inline-block;width:8.25px">&#160;</div>operating<div style="display:inline-block;width:7.82px">&#160;</div>income<div style="display:inline-block;width:7.87px">&#160;</div>(loss)<div style="display:inline-block;width:7.97px">&#160;</div>to<div style="display:inline-block;width:7.87px">&#160;</div>investors<div style="display:inline-block;width:7.91px">&#160;</div>so<div style="display:inline-block;width:7.77px">&#160;</div>that<div style="display:inline-block;width:7.93px">&#160;</div>they<div style="display:inline-block;width:7.89px">&#160;</div>have<div style="display:inline-block;width:7.88px">&#160;</div>what<div style="display:inline-block;width:7.86px">&#160;</div>management </div><div id="a1582" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:854.8px;">believes to be a useful supplement to GAAP information concerning the Company&#8217;s performance.<div style="display:inline-block;width:4.94px">&#160;</div></div><div id="a1584" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:882.4px;">&#160;</div><div id="a1585" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:910px;">&#160;</div><div id="a1586" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-weight:bold;left:55.68px;top:937.6px;">&#160;</div><div id="a1587" style="position:absolute;font-family:'Times New Roman';font-size:16px;font-weight:bold;left:55.68px;top:965.2px;">--Financial<div style="display:inline-block;width:1.58px">&#160;</div>Details<div style="display:inline-block;width:2.34px">&#160;</div>Follow-- </div></div>
</div>
<div style="padding: 7px">
<div id="Page8" style="background-color:RGB(256, 256, 256);position:relative;margin-left:auto;margin-right:auto;overflow:hidden;border-style:solid;border-width:thin;border-color:RGB(198, 198, 198);page-break-after:always;width:816px;height:1056px;">
<div style="position:absolute; width:136px; height:1px; left:376.7px; top:193.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:136px; height:1px; left:518.7px; top:193.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:376.7px; top:210.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:447.7px; top:210.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:518.7px; top:210.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:589.7px; top:210.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:376.7px; top:346.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:447.7px; top:346.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:518.7px; top:346.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:589.7px; top:346.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:376.7px; top:380.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:447.7px; top:380.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:518.7px; top:380.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:589.7px; top:380.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:376.7px; top:397.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:447.7px; top:397.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:518.7px; top:397.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:589.7px; top:397.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:376.7px; top:516.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:447.7px; top:516.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:518.7px; top:516.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:589.7px; top:516.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:376.7px; top:533.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:447.7px; top:533.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:518.7px; top:533.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:589.7px; top:533.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:376.7px; top:584.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:447.7px; top:584.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:518.7px; top:584.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:589.7px; top:584.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:376.7px; top:720.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:447.7px; top:720.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:518.7px; top:720.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:589.7px; top:720.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:376.7px; top:839.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:447.7px; top:839.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:518.7px; top:839.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:589.7px; top:839.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:376.7px; top:856.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:447.7px; top:856.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:518.7px; top:856.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:589.7px; top:856.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:376.7px; top:873.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:447.7px; top:873.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:518.7px; top:873.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:589.7px; top:873.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:376.7px; top:907.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:447.7px; top:907.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:518.7px; top:907.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:65px; height:1px; left:589.7px; top:907.7px; background-color:#000000; ">&#160;</div>
<div id="a1592" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:15px;">&#160;</div><div id="a1593" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:403.707px;top:996.7px;">&#160;</div><div id="a1594" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:400.027px;top:1011.3px;">8</div><div id="a1595" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:407.387px;top:1010px;">&#160;</div><div id="a1596" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:76.9px;">EVEREST RE GROUP,<div style="display:inline-block;width:4.08px">&#160;</div>LTD. </div><div id="a1605" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:94px;">CONSOLIDATED<div style="display:inline-block;width:3.98px">&#160;</div>STATEMENTS<div style="display:inline-block;width:4.87px">&#160;</div>OF OPERATIONS </div><div id="a1614" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:110.9px;">AND COMPREHENSIVE INCOME (LOSS) </div><div id="a1640" style="position:absolute;font-family:'Times New Roman';left:399.947px;top:162.6px;">Three Months Ended<div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a1643" style="position:absolute;font-family:'Times New Roman';left:538.453px;top:162.6px;">Twelve Months Ended<div style="display:inline-block;width:3.62px">&#160;</div></div><div id="a1646" style="position:absolute;font-family:'Times New Roman';left:415.067px;top:179.6px;">December 31, </div><div id="a1649" style="position:absolute;font-family:'Times New Roman';left:557.093px;top:179.6px;">December 31, </div><div id="a1651" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:197px;">(Dollars in thousands, except per share amounts) </div><div id="a1654" style="position:absolute;font-family:'Times New Roman';left:398.827px;top:197px;">2020 </div><div id="a1657" style="position:absolute;font-family:'Times New Roman';left:469.813px;top:197px;">2019 </div><div id="a1660" style="position:absolute;font-family:'Times New Roman';left:540.853px;top:197px;">2020 </div><div id="a1663" style="position:absolute;font-family:'Times New Roman';left:611.813px;top:197px;">2019 </div><div id="a1666" style="position:absolute;font-family:'Times New Roman';left:384.907px;top:213.9px;">(unaudited) </div><div id="a1671" style="position:absolute;font-family:'Times New Roman';left:526.933px;top:213.9px;">(unaudited) </div><div id="a1675" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:230.6px;">REVENUES: </div><div id="a1684" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:247.6px;">Premiums earned<div style="display:inline-block;width:2.9px">&#160;</div></div><div id="a1686" style="position:absolute;font-family:'Times New Roman';left:387.387px;top:247.6px;">$2,396,483 </div><div id="a1689" style="position:absolute;font-family:'Times New Roman';left:458.373px;top:247.6px;">$1,948,071 </div><div id="a1692" style="position:absolute;font-family:'Times New Roman';left:529.413px;top:247.6px;">$8,681,513 </div><div id="a1695" style="position:absolute;font-family:'Times New Roman';left:600.373px;top:247.6px;">$7,403,686 </div><div id="a1697" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:264.6px;">Net investment income </div><div id="a1699" style="position:absolute;font-family:'Times New Roman';left:400.747px;top:264.6px;">222,349 </div><div id="a1702" style="position:absolute;font-family:'Times New Roman';left:471.733px;top:264.6px;">146,077 </div><div id="a1705" style="position:absolute;font-family:'Times New Roman';left:542.773px;top:264.6px;">642,465 </div><div id="a1708" style="position:absolute;font-family:'Times New Roman';left:613.733px;top:264.6px;">647,139 </div><div id="a1710" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:281.6px;">Net realized capital gains (losses): </div><div id="a1719" style="position:absolute;font-family:'Times New Roman';left:64.64px;top:298.6px;">Credit allowances on fixed maturity securities </div><div id="a1721" style="position:absolute;font-family:'Times New Roman';left:406.027px;top:298.6px;">17,896 </div><div id="a1724" style="position:absolute;font-family:'Times New Roman';left:502.853px;top:301px;">- </div><div id="a1727" style="position:absolute;font-family:'Times New Roman';left:550.293px;top:298.6px;">(1,745) </div><div id="a1730" style="position:absolute;font-family:'Times New Roman';left:644.853px;top:298.6px;">- </div><div id="a1732" style="position:absolute;font-family:'Times New Roman';left:64.64px;top:315.6px;">Other-than-temporary impairments on fixed maturity securities </div><div id="a1740" style="position:absolute;font-family:'Times New Roman';left:479.253px;top:315.6px;">(5,495) </div><div id="a1743" style="position:absolute;font-family:'Times New Roman';left:573.893px;top:315.6px;">- </div><div id="a1746" style="position:absolute;font-family:'Times New Roman';left:615.973px;top:315.6px;">(20,899) </div><div id="a1748" style="position:absolute;font-family:'Times New Roman';left:64.64px;top:332.6px;">Other net realized capital gains (losses) </div><div id="a1750" style="position:absolute;font-family:'Times New Roman';left:400.747px;top:332.6px;">165,490 </div><div id="a1753" style="position:absolute;font-family:'Times New Roman';left:477.013px;top:332.6px;">80,938 </div><div id="a1756" style="position:absolute;font-family:'Times New Roman';left:542.773px;top:332.6px;">269,394 </div><div id="a1759" style="position:absolute;font-family:'Times New Roman';left:613.733px;top:332.6px;">205,903 </div><div id="a1761" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:349.9px;">Total net realized capital gains (losses) </div><div id="a1763" style="position:absolute;font-family:'Times New Roman';left:400.747px;top:349.9px;">183,386 </div><div id="a1766" style="position:absolute;font-family:'Times New Roman';left:477.013px;top:349.9px;">75,443 </div><div id="a1769" style="position:absolute;font-family:'Times New Roman';left:542.773px;top:349.9px;">267,649 </div><div id="a1772" style="position:absolute;font-family:'Times New Roman';left:613.733px;top:349.9px;">185,004 </div><div id="a1774" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:366.6px;">Other income (expense) </div><div id="a1776" style="position:absolute;font-family:'Times New Roman';left:402.987px;top:366.6px;">(40,819) </div><div id="a1779" style="position:absolute;font-family:'Times New Roman';left:477.013px;top:366.6px;">44,495 </div><div id="a1782" style="position:absolute;font-family:'Times New Roman';left:553.413px;top:366.6px;">6,487 </div><div id="a1785" style="position:absolute;font-family:'Times New Roman';left:621.253px;top:366.6px;">(4,660) </div><div id="a1787" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:383.9px;">Total revenues </div><div id="a1790" style="position:absolute;font-family:'Times New Roman';left:392.747px;top:383.9px;">2,761,399 </div><div id="a1793" style="position:absolute;font-family:'Times New Roman';left:463.733px;top:383.9px;">2,214,086 </div><div id="a1796" style="position:absolute;font-family:'Times New Roman';left:534.773px;top:383.9px;">9,598,114 </div><div id="a1799" style="position:absolute;font-family:'Times New Roman';left:605.733px;top:383.9px;">8,231,169 </div><div id="a1809" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:417.6px;">CLAIMS AND EXPENSES: </div><div id="a1818" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:434.6px;">Incurred losses and loss adjustment expenses<div style="display:inline-block;width:3.23px">&#160;</div></div><div id="a1820" style="position:absolute;font-family:'Times New Roman';left:392.747px;top:434.6px;">1,976,771 </div><div id="a1823" style="position:absolute;font-family:'Times New Roman';left:463.733px;top:434.6px;">1,407,794 </div><div id="a1826" style="position:absolute;font-family:'Times New Roman';left:534.773px;top:434.6px;">6,550,837 </div><div id="a1829" style="position:absolute;font-family:'Times New Roman';left:605.733px;top:434.6px;">4,922,898 </div><div id="a1831" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:451.6px;">Commission, brokerage, taxes and fees </div><div id="a1833" style="position:absolute;font-family:'Times New Roman';left:400.747px;top:451.6px;">513,080 </div><div id="a1836" style="position:absolute;font-family:'Times New Roman';left:471.733px;top:451.6px;">450,226 </div><div id="a1839" style="position:absolute;font-family:'Times New Roman';left:534.773px;top:451.6px;">1,873,250 </div><div id="a1842" style="position:absolute;font-family:'Times New Roman';left:605.733px;top:451.6px;">1,703,726 </div><div id="a1844" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:468.6px;">Other underwriting expenses<div style="display:inline-block;width:5.71px">&#160;</div></div><div id="a1846" style="position:absolute;font-family:'Times New Roman';left:400.747px;top:468.6px;">125,372 </div><div id="a1849" style="position:absolute;font-family:'Times New Roman';left:471.733px;top:468.6px;">118,923 </div><div id="a1852" style="position:absolute;font-family:'Times New Roman';left:542.773px;top:468.6px;">511,237 </div><div id="a1855" style="position:absolute;font-family:'Times New Roman';left:613.733px;top:468.6px;">440,899 </div><div id="a1857" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:485.6px;">Corporate expenses </div><div id="a1859" style="position:absolute;font-family:'Times New Roman';left:406.027px;top:485.6px;">11,934 </div><div id="a1862" style="position:absolute;font-family:'Times New Roman';left:477.013px;top:485.6px;">10,344 </div><div id="a1865" style="position:absolute;font-family:'Times New Roman';left:548.053px;top:485.6px;">41,118 </div><div id="a1868" style="position:absolute;font-family:'Times New Roman';left:619.013px;top:485.6px;">32,966 </div><div id="a1870" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:502.6px;">Interest, fees and bond issue cost amortization expense </div><div id="a1872" style="position:absolute;font-family:'Times New Roman';left:406.027px;top:502.6px;">14,847 </div><div id="a1875" style="position:absolute;font-family:'Times New Roman';left:482.373px;top:502.6px;">7,721 </div><div id="a1878" style="position:absolute;font-family:'Times New Roman';left:548.053px;top:502.6px;">36,323 </div><div id="a1881" style="position:absolute;font-family:'Times New Roman';left:619.013px;top:502.6px;">31,693 </div><div id="a1883" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:519.9px;">Total claims and expenses </div><div id="a1885" style="position:absolute;font-family:'Times New Roman';left:392.747px;top:519.9px;">2,642,004 </div><div id="a1888" style="position:absolute;font-family:'Times New Roman';left:463.733px;top:519.9px;">1,995,008 </div><div id="a1891" style="position:absolute;font-family:'Times New Roman';left:534.773px;top:519.9px;">9,012,765 </div><div id="a1894" style="position:absolute;font-family:'Times New Roman';left:605.733px;top:519.9px;">7,132,182 </div><div id="a1904" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:553.6px;">INCOME (LOSS) BEFORE TAXES </div><div id="a1906" style="position:absolute;font-family:'Times New Roman';left:400.747px;top:553.6px;">119,395 </div><div id="a1909" style="position:absolute;font-family:'Times New Roman';left:471.733px;top:553.6px;">219,078 </div><div id="a1912" style="position:absolute;font-family:'Times New Roman';left:542.773px;top:553.6px;">585,349 </div><div id="a1915" style="position:absolute;font-family:'Times New Roman';left:605.733px;top:553.6px;">1,098,987 </div><div id="a1917" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:570.7px;">Income tax expense (benefit) </div><div id="a1919" style="position:absolute;font-family:'Times New Roman';left:406.027px;top:570.7px;">55,794 </div><div id="a1922" style="position:absolute;font-family:'Times New Roman';left:482.373px;top:570.7px;">1,434 </div><div id="a1925" style="position:absolute;font-family:'Times New Roman';left:548.053px;top:570.7px;">71,198 </div><div id="a1928" style="position:absolute;font-family:'Times New Roman';left:619.013px;top:570.7px;">89,526 </div><div id="a1938" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:604.7px;">NET INCOME (LOSS) </div><div id="a1940" style="position:absolute;font-family:'Times New Roman';left:400.747px;top:604.7px;">$63,601 </div><div id="a1943" style="position:absolute;font-family:'Times New Roman';left:466.373px;top:604.7px;">$217,644 </div><div id="a1946" style="position:absolute;font-family:'Times New Roman';left:537.413px;top:604.7px;">$514,151 </div><div id="a1949" style="position:absolute;font-family:'Times New Roman';left:600.373px;top:604.7px;">$1,009,461 </div><div id="a1960" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:638.7px;">Other comprehensive income (loss), net of tax: </div><div id="a1969" style="position:absolute;font-family:'Times New Roman';left:64.64px;top:658px;">Unrealized appreciation (depreciation) (&quot;URA(D)&quot;) on securities arising </div><div id="a1970" style="position:absolute;font-family:'Times New Roman';left:64.64px;top:670.3px;">during the period </div><div id="a1972" style="position:absolute;font-family:'Times New Roman';left:406.027px;top:664.1px;">87,375 </div><div id="a1975" style="position:absolute;font-family:'Times New Roman';left:473.973px;top:664.1px;">(28,159) </div><div id="a1978" style="position:absolute;font-family:'Times New Roman';left:542.773px;top:664.1px;">423,210 </div><div id="a1981" style="position:absolute;font-family:'Times New Roman';left:613.733px;top:664.1px;">496,430 </div><div id="a1983" style="position:absolute;font-family:'Times New Roman';left:64.64px;top:692px;">Reclassification adjustment for realized losses (gains) included in net </div><div id="a1985" style="position:absolute;font-family:'Times New Roman';left:64.64px;top:704.3px;">income (loss) </div><div id="a1987" style="position:absolute;font-family:'Times New Roman';left:402.987px;top:698.1px;">(16,165) </div><div id="a1990" style="position:absolute;font-family:'Times New Roman';left:479.253px;top:698.1px;">(8,393) </div><div id="a1993" style="position:absolute;font-family:'Times New Roman';left:550.293px;top:698.1px;">(3,476) </div><div id="a1996" style="position:absolute;font-family:'Times New Roman';left:615.973px;top:698.1px;">(12,613) </div><div id="a1998" style="position:absolute;font-family:'Times New Roman';left:82.64px;top:723.9px;">Total URA(D) on securities arising during<div style="display:inline-block;width:3.98px">&#160;</div>the period </div><div id="a2000" style="position:absolute;font-family:'Times New Roman';left:406.027px;top:723.9px;">71,210 </div><div id="a2003" style="position:absolute;font-family:'Times New Roman';left:473.973px;top:723.9px;">(36,552) </div><div id="a2006" style="position:absolute;font-family:'Times New Roman';left:542.773px;top:723.9px;">419,734 </div><div id="a2009" style="position:absolute;font-family:'Times New Roman';left:613.733px;top:723.9px;">483,817 </div><div id="a2019" style="position:absolute;font-family:'Times New Roman';left:64.64px;top:757.6px;">Foreign currency translation adjustments </div><div id="a2021" style="position:absolute;font-family:'Times New Roman';left:406.027px;top:757.6px;">55,937 </div><div id="a2024" style="position:absolute;font-family:'Times New Roman';left:477.013px;top:757.6px;">29,235 </div><div id="a2027" style="position:absolute;font-family:'Times New Roman';left:548.053px;top:757.6px;">86,327 </div><div id="a2030" style="position:absolute;font-family:'Times New Roman';left:619.013px;top:757.6px;">14,030 </div><div id="a2040" style="position:absolute;font-family:'Times New Roman';left:64.64px;top:791.6px;">Benefit plan actuarial net gain (loss) for the period </div><div id="a2042" style="position:absolute;font-family:'Times New Roman';left:408.267px;top:791.6px;">(5,615) </div><div id="a2045" style="position:absolute;font-family:'Times New Roman';left:473.973px;top:791.6px;">(12,591) </div><div id="a2048" style="position:absolute;font-family:'Times New Roman';left:550.293px;top:791.6px;">(5,615) </div><div id="a2051" style="position:absolute;font-family:'Times New Roman';left:615.973px;top:791.6px;">(12,591) </div><div id="a2053" style="position:absolute;font-family:'Times New Roman';left:64.64px;top:811px;">Reclassification adjustment for amortization of net (gain) loss included </div><div id="a2054" style="position:absolute;font-family:'Times New Roman';left:64.64px;top:823.3px;">in net income (loss) </div><div id="a2056" style="position:absolute;font-family:'Times New Roman';left:411.387px;top:817.1px;">1,768 </div><div id="a2059" style="position:absolute;font-family:'Times New Roman';left:482.373px;top:817.1px;">1,788 </div><div id="a2062" style="position:absolute;font-family:'Times New Roman';left:553.413px;top:817.1px;">6,300 </div><div id="a2065" style="position:absolute;font-family:'Times New Roman';left:624.373px;top:817.1px;">5,453 </div><div id="a2067" style="position:absolute;font-family:'Times New Roman';left:82.64px;top:843px;">Total benefit plan net gain (loss) for the period </div><div id="a2069" style="position:absolute;font-family:'Times New Roman';left:408.267px;top:843px;">(3,847) </div><div id="a2072" style="position:absolute;font-family:'Times New Roman';left:473.973px;top:843px;">(10,803) </div><div id="a2075" style="position:absolute;font-family:'Times New Roman';left:561.413px;top:843px;">685 </div><div id="a2078" style="position:absolute;font-family:'Times New Roman';left:621.253px;top:843px;">(7,138) </div><div id="a2080" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:859.9px;">Total other comprehensive income (loss), net of tax </div><div id="a2082" style="position:absolute;font-family:'Times New Roman';left:400.747px;top:859.9px;">123,300 </div><div id="a2085" style="position:absolute;font-family:'Times New Roman';left:473.973px;top:859.9px;">(18,120) </div><div id="a2088" style="position:absolute;font-family:'Times New Roman';left:542.773px;top:859.9px;">506,746 </div><div id="a2091" style="position:absolute;font-family:'Times New Roman';left:613.733px;top:859.9px;">490,709 </div><div id="a2101" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:893.6px;">COMPREHENSIVE INCOME (LOSS) </div><div id="a2103" style="position:absolute;font-family:'Times New Roman';left:395.387px;top:893.6px;">$186,901 </div><div id="a2106" style="position:absolute;font-family:'Times New Roman';left:466.373px;top:893.6px;">$199,524 </div><div id="a2109" style="position:absolute;font-family:'Times New Roman';left:529.413px;top:893.6px;">$1,020,897 </div><div id="a2112" style="position:absolute;font-family:'Times New Roman';left:600.373px;top:893.6px;">$1,500,170 </div><div id="a2122" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:927.7px;">EARNINGS PER COMMON SHARE: </div><div id="a2131" style="position:absolute;font-family:'Times New Roman';left:73.68px;top:944.7px;">Basic </div><div id="a2133" style="position:absolute;font-family:'Times New Roman';left:411.387px;top:944.7px;">$1.59 </div><div id="a2136" style="position:absolute;font-family:'Times New Roman';left:482.373px;top:944.7px;">$5.34 </div><div id="a2139" style="position:absolute;font-family:'Times New Roman';left:548.053px;top:944.7px;">$12.81 </div><div id="a2142" style="position:absolute;font-family:'Times New Roman';left:619.013px;top:944.7px;">$24.77 </div><div id="a2144" style="position:absolute;font-family:'Times New Roman';left:73.68px;top:961.7px;">Diluted </div><div id="a2146" style="position:absolute;font-family:'Times New Roman';left:416.747px;top:961.7px;">1.59 </div><div id="a2149" style="position:absolute;font-family:'Times New Roman';left:487.733px;top:961.7px;">5.32 </div><div id="a2152" style="position:absolute;font-family:'Times New Roman';left:553.413px;top:961.7px;">12.78 </div><div id="a2155" style="position:absolute;font-family:'Times New Roman';left:624.373px;top:961.7px;">24.70 </div><div id="a2157" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:976.4px;"><div style="display:inline-block;width:4px">&#160;</div></div></div>
</div>
<div style="padding: 7px">
<div id="Page9" style="background-color:RGB(256, 256, 256);position:relative;margin-left:auto;margin-right:auto;overflow:hidden;border-style:solid;border-width:thin;border-color:RGB(198, 198, 198);page-break-after:always;width:816px;height:1056px;">
<div style="position:absolute; width:202px; height:1px; left:455.7px; top:156.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:95px; height:1px; left:455.7px; top:173.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:95px; height:1px; left:562.7px; top:173.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:95px; height:1px; left:455.7px; top:343.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:95px; height:1px; left:562.7px; top:343.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:95px; height:1px; left:455.7px; top:496.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:95px; height:1px; left:562.7px; top:496.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:95px; height:1px; left:455.7px; top:513.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:95px; height:1px; left:562.7px; top:513.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:95px; height:1px; left:455.7px; top:768.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:95px; height:1px; left:562.7px; top:768.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:95px; height:1px; left:455.7px; top:785.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:95px; height:1px; left:562.7px; top:785.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:95px; height:1px; left:455.7px; top:941.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:95px; height:1px; left:562.7px; top:941.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:95px; height:1px; left:455.7px; top:958.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:95px; height:1px; left:562.7px; top:958.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:96px; height:1px; left:454.7px; top:975.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:95.9px; height:1px; left:561.7px; top:975.7px; background-color:#000000; ">&#160;</div>
<div id="a2159" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:15px;">&#160;</div><div id="a2160" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:403.707px;top:996.7px;">&#160;</div><div id="a2161" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:400.027px;top:1011.3px;">9</div><div id="a2162" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:407.387px;top:1010px;">&#160;</div><div id="a2163" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:76.9px;">EVEREST RE GROUP,<div style="display:inline-block;width:4.08px">&#160;</div>LTD. </div><div id="a2168" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:94px;">CONSOLIDATED<div style="display:inline-block;width:3.98px">&#160;</div>BALANCE SHEETS </div><div id="a2182" style="position:absolute;font-family:'Times New Roman';left:527.093px;top:142.6px;">December 31, </div><div id="a2184" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:159.9px;">(Dollars and share amounts in thousands, except par value per share) </div><div id="a2186" style="position:absolute;font-family:'Times New Roman';left:492.773px;top:159.9px;">2020<div style="display:inline-block;width:2.72px">&#160;</div></div><div id="a2189" style="position:absolute;font-family:'Times New Roman';left:599.813px;top:159.9px;">2019<div style="display:inline-block;width:2.72px">&#160;</div></div><div id="a2192" style="position:absolute;font-family:'Times New Roman';left:478.933px;top:177px;">(unaudited) </div><div id="a2196" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:193.6px;">ASSETS: </div><div id="a2201" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:210.6px;">Fixed maturities - available for sale, at market value </div><div id="a2206" style="position:absolute;font-family:'Times New Roman';left:491.013px;top:210.6px;">$20,040,173 </div><div id="a2209" style="position:absolute;font-family:'Times New Roman';left:598.053px;top:210.6px;">$16,824,944 </div><div id="a2211" style="position:absolute;font-family:'Times New Roman';left:73.68px;top:230px;">(amortized cost: 2020, $19,225,068; 2019, $16,473,491, credit allowances: 2020, </div><div id="a2213" style="position:absolute;font-family:'Times New Roman';left:73.68px;top:242.2px;">($1,745); 2019, $0) </div><div id="a2218" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:261.6px;">Fixed maturities - available for sale, at fair value </div><div id="a2223" style="position:absolute;font-family:'Times New Roman';left:540.853px;top:261.6px;">- </div><div id="a2226" style="position:absolute;font-family:'Times New Roman';left:627.413px;top:261.6px;">5,826 </div><div id="a2228" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:278.6px;">Equity securities, at fair value </div><div id="a2230" style="position:absolute;font-family:'Times New Roman';left:501.733px;top:278.6px;">1,472,236 </div><div id="a2233" style="position:absolute;font-family:'Times New Roman';left:616.773px;top:278.6px;">931,457 </div><div id="a2235" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:295.6px;">Short-term investments (cost: 2020, $1,135,088; 2019, $414,639) </div><div id="a2239" style="position:absolute;font-family:'Times New Roman';left:501.733px;top:295.6px;">1,134,950 </div><div id="a2242" style="position:absolute;font-family:'Times New Roman';left:616.773px;top:295.6px;">414,706 </div><div id="a2244" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:312.6px;">Other invested assets (cost: 2020, $2,012,581; 2019, $1,763,531) </div><div id="a2246" style="position:absolute;font-family:'Times New Roman';left:501.733px;top:312.6px;">2,012,581 </div><div id="a2249" style="position:absolute;font-family:'Times New Roman';left:608.773px;top:312.6px;">1,763,531 </div><div id="a2251" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:329.6px;">Cash </div><div id="a2253" style="position:absolute;font-family:'Times New Roman';left:509.733px;top:329.6px;">801,651 </div><div id="a2256" style="position:absolute;font-family:'Times New Roman';left:616.773px;top:329.6px;">808,036 </div><div id="a2258" style="position:absolute;font-family:'Times New Roman';left:82.64px;top:347px;">Total investments and cash </div><div id="a2260" style="position:absolute;font-family:'Times New Roman';left:496.373px;top:347px;">25,461,591 </div><div id="a2263" style="position:absolute;font-family:'Times New Roman';left:603.413px;top:347px;">20,748,500 </div><div id="a2265" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:363.6px;">Accrued investment income </div><div id="a2267" style="position:absolute;font-family:'Times New Roman';left:509.733px;top:363.6px;">141,304 </div><div id="a2270" style="position:absolute;font-family:'Times New Roman';left:616.773px;top:363.6px;">116,804 </div><div id="a2272" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:380.6px;">Premiums receivable </div><div id="a2274" style="position:absolute;font-family:'Times New Roman';left:501.733px;top:380.6px;">2,680,562 </div><div id="a2277" style="position:absolute;font-family:'Times New Roman';left:608.773px;top:380.6px;">2,259,088 </div><div id="a2279" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:397.6px;">Reinsurance receivables<div style="display:inline-block;width:2.95px">&#160;</div></div><div id="a2281" style="position:absolute;font-family:'Times New Roman';left:501.733px;top:397.6px;">1,994,555 </div><div id="a2284" style="position:absolute;font-family:'Times New Roman';left:608.773px;top:397.6px;">1,763,471 </div><div id="a2286" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:414.6px;">Funds held by reinsureds </div><div id="a2288" style="position:absolute;font-family:'Times New Roman';left:509.733px;top:414.6px;">716,655 </div><div id="a2291" style="position:absolute;font-family:'Times New Roman';left:616.773px;top:414.6px;">489,901 </div><div id="a2293" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:431.6px;">Deferred acquisition costs </div><div id="a2295" style="position:absolute;font-family:'Times New Roman';left:509.733px;top:431.6px;">622,053 </div><div id="a2298" style="position:absolute;font-family:'Times New Roman';left:616.773px;top:431.6px;">581,863 </div><div id="a2300" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:448.6px;">Prepaid reinsurance premiums </div><div id="a2302" style="position:absolute;font-family:'Times New Roman';left:509.733px;top:448.6px;">412,015 </div><div id="a2305" style="position:absolute;font-family:'Times New Roman';left:616.773px;top:448.6px;">445,716 </div><div id="a2307" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:465.6px;">Income taxes </div><div id="a2309" style="position:absolute;font-family:'Times New Roman';left:515.013px;top:465.6px;">17,253 </div><div id="a2312" style="position:absolute;font-family:'Times New Roman';left:616.773px;top:465.6px;">305,711 </div><div id="a2314" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:482.6px;">Other assets </div><div id="a2316" style="position:absolute;font-family:'Times New Roman';left:509.733px;top:482.6px;">742,369 </div><div id="a2319" style="position:absolute;font-family:'Times New Roman';left:616.773px;top:482.6px;">612,997 </div><div id="a2321" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:499.9px;">TOTAL ASSETS </div><div id="a2323" style="position:absolute;font-family:'Times New Roman';left:491.013px;top:499.9px;">$32,788,357 </div><div id="a2326" style="position:absolute;font-family:'Times New Roman';left:598.053px;top:499.9px;">$27,324,051 </div><div id="a2332" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:533.6px;">LIABILITIES: </div><div id="a2337" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:550.7px;">Reserve for losses and loss adjustment expenses </div><div id="a2339" style="position:absolute;font-family:'Times New Roman';left:496.373px;top:550.7px;">16,398,997 </div><div id="a2342" style="position:absolute;font-family:'Times New Roman';left:603.413px;top:550.7px;">13,611,313 </div><div id="a2344" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:567.6px;">Future policy benefit reserve </div><div id="a2346" style="position:absolute;font-family:'Times New Roman';left:515.013px;top:567.6px;">37,723 </div><div id="a2349" style="position:absolute;font-family:'Times New Roman';left:622.053px;top:567.6px;">42,592 </div><div id="a2351" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:584.7px;">Unearned premium reserve </div><div id="a2353" style="position:absolute;font-family:'Times New Roman';left:501.733px;top:584.7px;">3,501,359 </div><div id="a2356" style="position:absolute;font-family:'Times New Roman';left:608.773px;top:584.7px;">3,056,735 </div><div id="a2358" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:601.6px;">Funds held under reinsurance treaties </div><div id="a2361" style="position:absolute;font-family:'Times New Roman';left:515.013px;top:601.6px;">15,807 </div><div id="a2364" style="position:absolute;font-family:'Times New Roman';left:622.053px;top:601.6px;">10,668 </div><div id="a2366" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:618.7px;">Other net payable to reinsurers </div><div id="a2368" style="position:absolute;font-family:'Times New Roman';left:509.733px;top:618.7px;">294,347 </div><div id="a2371" style="position:absolute;font-family:'Times New Roman';left:616.773px;top:618.7px;">291,660 </div><div id="a2373" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:635.6px;">Losses in course of payment </div><div id="a2375" style="position:absolute;font-family:'Times New Roman';left:509.733px;top:635.6px;">127,971 </div><div id="a2378" style="position:absolute;font-family:'Times New Roman';left:622.053px;top:635.6px;">51,950 </div><div id="a2380" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:652.7px;">Senior notes due 6/1/2044 </div><div id="a2382" style="position:absolute;font-family:'Times New Roman';left:509.733px;top:652.7px;">397,194 </div><div id="a2385" style="position:absolute;font-family:'Times New Roman';left:616.773px;top:652.7px;">397,074 </div><div id="a2387" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:669.6px;">Senior notes due 10/1/2050 </div><div id="a2389" style="position:absolute;font-family:'Times New Roman';left:509.733px;top:669.6px;">979,524 </div><div id="a2392" style="position:absolute;font-family:'Times New Roman';left:647.893px;top:669.6px;">- </div><div id="a2394" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:686.7px;">Long term notes due 5/1/2067 </div><div id="a2397" style="position:absolute;font-family:'Times New Roman';left:509.733px;top:686.7px;">223,674 </div><div id="a2400" style="position:absolute;font-family:'Times New Roman';left:616.773px;top:686.7px;">236,758 </div><div id="a2402" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:703.6px;">Borrowings from FHLB </div><div id="a2404" style="position:absolute;font-family:'Times New Roman';left:509.733px;top:703.6px;">310,000 </div><div id="a2407" style="position:absolute;font-family:'Times New Roman';left:647.893px;top:703.6px;">- </div><div id="a2409" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:720.7px;">Accrued interest on debt and borrowings </div><div id="a2411" style="position:absolute;font-family:'Times New Roman';left:515.013px;top:720.7px;">10,460 </div><div id="a2414" style="position:absolute;font-family:'Times New Roman';left:627.413px;top:720.7px;">2,878 </div><div id="a2416" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:737.6px;">Unsettled securities payable </div><div id="a2418" style="position:absolute;font-family:'Times New Roman';left:509.733px;top:737.6px;">206,693 </div><div id="a2421" style="position:absolute;font-family:'Times New Roman';left:622.053px;top:737.6px;">30,650 </div><div id="a2423" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:754.7px;">Other liabilities </div><div id="a2425" style="position:absolute;font-family:'Times New Roman';left:509.733px;top:754.7px;">558,432 </div><div id="a2428" style="position:absolute;font-family:'Times New Roman';left:616.773px;top:754.7px;">458,848 </div><div id="a2430" style="position:absolute;font-family:'Times New Roman';left:91.68px;top:771.9px;">Total liabilities </div><div id="a2432" style="position:absolute;font-family:'Times New Roman';left:496.373px;top:771.9px;">23,062,181 </div><div id="a2435" style="position:absolute;font-family:'Times New Roman';left:603.413px;top:771.9px;">18,191,126 </div><div id="a2441" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:805.6px;">SHAREHOLDERS&apos; EQUITY: </div><div id="a2446" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:822.7px;">Common shares, par value: $0.01; 200,000 shares authorized; (2020) 69,620 </div><div id="a2451" style="position:absolute;font-family:'Times New Roman';left:73.68px;top:839.6px;">and (2019) 69,464 outstanding before treasury shares </div><div id="a2453" style="position:absolute;font-family:'Times New Roman';left:528.373px;top:839.6px;">696 </div><div id="a2456" style="position:absolute;font-family:'Times New Roman';left:635.413px;top:839.6px;">694 </div><div id="a2458" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:856.7px;">Additional paid-in capital </div><div id="a2462" style="position:absolute;font-family:'Times New Roman';left:501.733px;top:856.7px;">2,245,301 </div><div id="a2465" style="position:absolute;font-family:'Times New Roman';left:608.773px;top:856.7px;">2,219,660 </div><div id="a2467" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:877.5px;">Accumulated other comprehensive income (loss), net of deferred income tax expense </div><div id="a2469" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:889.8px;">&apos;(benefit) of $80,451 at 2020 and $30,996 at 2019 </div><div id="a2474" style="position:absolute;font-family:'Times New Roman';left:509.733px;top:893.6px;">534,899 </div><div id="a2477" style="position:absolute;font-family:'Times New Roman';left:622.053px;top:893.6px;">28,152 </div><div id="a2479" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:910.7px;">Treasury shares, at cost; 29,636 shares (2020) and 28,665 shares (2019) </div><div id="a2481" style="position:absolute;font-family:'Times New Roman';left:498.613px;top:910.7px;">(3,622,172) </div><div id="a2484" style="position:absolute;font-family:'Times New Roman';left:605.653px;top:910.7px;">(3,422,152) </div><div id="a2486" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:927.7px;">Retained earnings </div><div id="a2489" style="position:absolute;font-family:'Times New Roman';left:496.373px;top:927.7px;">10,567,452 </div><div id="a2492" style="position:absolute;font-family:'Times New Roman';left:603.413px;top:927.7px;">10,306,571 </div><div id="a2494" style="position:absolute;font-family:'Times New Roman';left:91.68px;top:945px;">Total shareholders&apos; equity<div style="display:inline-block;width:3.79px">&#160;</div></div><div id="a2496" style="position:absolute;font-family:'Times New Roman';left:501.733px;top:945px;">9,726,176 </div><div id="a2499" style="position:absolute;font-family:'Times New Roman';left:608.773px;top:945px;">9,132,925 </div><div id="a2501" style="position:absolute;font-family:'Times New Roman';left:55.68px;top:962px;">TOTAL LIABILITIES AND SHAREHOLDERS&apos;<div style="display:inline-block;width:4.24px">&#160;</div>EQUITY </div><div id="a2503" style="position:absolute;font-family:'Times New Roman';left:491.013px;top:962px;">$32,788,357 </div><div id="a2506" style="position:absolute;font-family:'Times New Roman';left:598.053px;top:962px;">$27,324,051 </div><div id="a2508" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:977.1px;"><div style="display:inline-block;width:4px">&#160;</div></div></div>
</div>
<div style="padding: 7px">
<div id="Page10" style="background-color:RGB(256, 256, 256);position:relative;margin-left:auto;margin-right:auto;overflow:hidden;border-style:solid;border-width:thin;border-color:RGB(198, 198, 198);page-break-after:always;width:816px;height:1056px;">
<div style="position:absolute; width:191px; height:1px; left:467.7px; top:156.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:467.7px; top:172.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:569.7px; top:172.6px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:467.7px; top:452.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:569.7px; top:452.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:467.7px; top:466.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:569.7px; top:466.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:467.7px; top:655.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:569.7px; top:655.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:467.7px; top:670.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:569.7px; top:670.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:467.7px; top:799.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:569.7px; top:799.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:467.7px; top:814.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:569.7px; top:814.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:467.7px; top:839.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:569.7px; top:839.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:467.7px; top:876.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:569.7px; top:876.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:467.7px; top:890.7px; background-color:#000000; ">&#160;</div>
<div style="position:absolute; width:89px; height:1px; left:569.7px; top:890.7px; background-color:#000000; ">&#160;</div>
<div id="a2510" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:15px;">&#160;</div><div id="a2511" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:403.707px;top:996.7px;">&#160;</div><div id="a2512" style="position:absolute;font-family:'Times New Roman';font-size:14.64px;left:396.347px;top:1011.3px;">10</div><div id="a2513" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:410.987px;top:1010px;">&#160;</div><div id="a2514" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:78.4px;">EVEREST RE GROUP, LTD. </div><div id="a2519" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:95.5px;">CONSOLIDATED STATEMENTS<div style="display:inline-block;width:4.83px">&#160;</div>OF CASH FLOWS<div style="display:inline-block;width:4.49px">&#160;</div></div><div id="a2533" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:521.013px;top:129.8px;">Twelve Months Ended<div style="display:inline-block;width:2.69px">&#160;</div></div><div id="a2536" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:537.333px;top:144.3px;">December 31, </div><div id="a2538" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:160.2px;">(Dollars in thousands) </div><div id="a2540" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:503.173px;top:160.2px;">2020 </div><div id="a2543" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:605.173px;top:160.2px;">2019 </div><div id="a2546" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:491.013px;top:173.9px;">(unaudited) </div><div id="a2550" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:187.3px;">CASH FLOWS FROM OPERATING ACTIVITIES: </div><div id="a2555" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:202.8px;">Net income (loss) </div><div id="a2557" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:516.373px;top:202.8px;">$514,151 </div><div id="a2560" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:611.333px;top:202.8px;">$1,009,461 </div><div id="a2562" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:216.8px;">Adjustments to reconcile net income to net cash provided by operating activities: </div><div id="a2568" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:230.8px;">Decrease (increase) in premiums receivable </div><div id="a2570" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:517.813px;top:230.8px;">(387,123) </div><div id="a2573" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:624.453px;top:230.8px;">(62,018) </div><div id="a2575" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:244.8px;">Decrease (increase) in funds held by reinsureds, net </div><div id="a2577" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:517.813px;top:244.8px;">(219,321) </div><div id="a2580" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:624.453px;top:244.8px;">(56,722) </div><div id="a2582" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:258.8px;">Decrease (increase) in reinsurance receivables </div><div id="a2585" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:517.813px;top:258.8px;">(150,753) </div><div id="a2588" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:627.653px;top:258.8px;">67,444 </div><div id="a2590" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:272.8px;">Decrease (increase) in income taxes </div><div id="a2592" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:521.013px;top:272.8px;">239,883 </div><div id="a2595" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:623.013px;top:272.8px;">237,479 </div><div id="a2597" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:286.8px;">Decrease (increase) in prepaid reinsurance premiums </div><div id="a2599" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:525.653px;top:286.8px;">55,334 </div><div id="a2602" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:624.453px;top:286.8px;">(95,207) </div><div id="a2604" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:300.8px;">Increase (decrease) in reserve for losses and loss adjustment expenses </div><div id="a2606" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:513.973px;top:300.8px;">2,627,813 </div><div id="a2609" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:623.013px;top:300.8px;">402,380 </div><div id="a2611" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:314.8px;">Increase (decrease) in future policy benefit reserve </div><div id="a2613" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:527.173px;top:314.8px;">(4,869) </div><div id="a2616" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:629.173px;top:314.8px;">(4,186) </div><div id="a2618" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:328.8px;">Increase (decrease) in unearned premiums </div><div id="a2620" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:521.013px;top:328.8px;">404,049 </div><div id="a2623" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:623.013px;top:328.8px;">521,709 </div><div id="a2625" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:342.8px;">Increase (decrease) in other net payable to reinsurers </div><div id="a2627" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:522.453px;top:342.8px;">(24,163) </div><div id="a2630" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:627.653px;top:342.8px;">66,477 </div><div id="a2632" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:356.8px;">Increase (decrease) in losses in course of payment </div><div id="a2635" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:525.653px;top:356.8px;">74,759 </div><div id="a2638" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:624.453px;top:356.8px;">(33,557) </div><div id="a2640" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:370.8px;">Change in equity adjustments in limited partnerships </div><div id="a2642" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:517.813px;top:370.8px;">(103,772) </div><div id="a2645" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:619.813px;top:370.8px;">(108,332) </div><div id="a2647" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:384.8px;">Distribution of limited partnership income </div><div id="a2649" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:521.013px;top:384.8px;">122,326 </div><div id="a2652" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:627.653px;top:384.8px;">81,300 </div><div id="a2654" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:398.8px;">Change in other assets and liabilities, net </div><div id="a2656" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:522.453px;top:398.8px;">(95,968) </div><div id="a2659" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:624.453px;top:398.8px;">(54,176) </div><div id="a2661" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:412.8px;">Non-cash compensation expense<div style="display:inline-block;width:2.11px">&#160;</div></div><div id="a2665" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:525.653px;top:412.8px;">39,209 </div><div id="a2668" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:627.653px;top:412.8px;">34,018 </div><div id="a2670" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:426.8px;">Amortization of bond premium (accrual of bond discount) </div><div id="a2672" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:525.653px;top:426.8px;">49,673 </div><div id="a2675" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:627.653px;top:426.8px;">30,936 </div><div id="a2677" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:440.8px;">Net realized capital (gains) losses<div style="display:inline-block;width:2.08px">&#160;</div></div><div id="a2679" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:517.813px;top:440.8px;">(267,649) </div><div id="a2682" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:619.813px;top:440.8px;">(185,004) </div><div id="a2684" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:455.2px;">Net cash provided by (used in) operating activities </div><div id="a2686" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:513.973px;top:455.2px;">2,873,579 </div><div id="a2689" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:615.973px;top:455.2px;">1,852,002 </div><div id="a2695" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:478.4px;">CASH FLOWS FROM INVESTING ACTIVITIES: </div><div id="a2700" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:493.3px;">Proceeds from fixed maturities matured/called - available for sale, at market value </div><div id="a2705" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:513.973px;top:493.3px;">2,586,405 </div><div id="a2708" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:615.973px;top:493.3px;">2,302,299 </div><div id="a2710" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:508.4px;">Proceeds from fixed maturities sold - available for sale, at market value </div><div id="a2715" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:513.973px;top:508.4px;">1,945,867 </div><div id="a2718" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:615.973px;top:508.4px;">3,280,237 </div><div id="a2720" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:523.3px;">Proceeds from fixed maturities sold - available for sale, at fair value </div><div id="a2725" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:530.373px;top:523.3px;">4,907 </div><div id="a2728" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:632.373px;top:523.3px;">2,917 </div><div id="a2730" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:538.4px;">Proceeds from equity securities sold, at fair value </div><div id="a2732" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:521.013px;top:538.4px;">376,347 </div><div id="a2735" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:623.013px;top:538.4px;">283,965 </div><div id="a2737" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:553.4px;">Distributions from other invested assets </div><div id="a2739" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:521.013px;top:553.4px;">309,912 </div><div id="a2742" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:623.013px;top:553.4px;">284,558 </div><div id="a2744" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:568.4px;">Cost of fixed maturities acquired - available for sale, at market value </div><div id="a2750" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:510.853px;top:568.4px;">(7,189,301) </div><div id="a2753" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:612.853px;top:568.4px;">(6,613,917) </div><div id="a2755" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:583.4px;">Cost of fixed maturities acquired - available for sale, at fair value </div><div id="a2760" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:548.213px;top:583.4px;">- </div><div id="a2763" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:629.173px;top:583.4px;">(4,243) </div><div id="a2765" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:598.4px;">Cost of equity securities acquired, at fair value </div><div id="a2767" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:517.813px;top:598.4px;">(637,082) </div><div id="a2770" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:619.813px;top:598.4px;">(329,417) </div><div id="a2772" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:613.4px;">Cost of other invested assets acquired </div><div id="a2775" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:517.813px;top:613.4px;">(557,473) </div><div id="a2778" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:619.813px;top:613.4px;">(425,438) </div><div id="a2780" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:628.4px;">Net change in short-term investments </div><div id="a2784" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:517.813px;top:628.4px;">(717,527) </div><div id="a2787" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:619.813px;top:628.4px;">(167,290) </div><div id="a2789" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:643.4px;">Net change in unsettled securities transactions </div><div id="a2791" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:521.013px;top:643.4px;">194,574 </div><div id="a2794" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:624.453px;top:643.4px;">(26,163) </div><div id="a2796" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:658.7px;">Net cash provided by (used in) investing activities </div><div id="a2798" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:510.853px;top:658.7px;">(3,683,371) </div><div id="a2801" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:612.853px;top:658.7px;">(1,412,492) </div><div id="a2807" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:682.4px;">CASH FLOWS FROM FINANCING ACTIVITIES: </div><div id="a2812" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:697.4px;">Common shares issued during the period for share-based compensation, net of expense </div><div id="a2816" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:522.453px;top:697.4px;">(13,566) </div><div id="a2819" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:629.173px;top:697.4px;">(3,134) </div><div id="a2821" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:712.4px;">Purchase of treasury shares </div><div id="a2823" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:517.813px;top:712.4px;">(200,020) </div><div id="a2826" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:624.453px;top:712.4px;">(24,604) </div><div id="a2828" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:727.4px;">Dividends paid to shareholders </div><div id="a2830" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:517.813px;top:727.4px;">(249,056) </div><div id="a2833" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:619.813px;top:727.4px;">(234,322) </div><div id="a2835" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:742.4px;">Proceeds from issuance of senior notes </div><div id="a2837" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:521.013px;top:742.4px;">979,417 </div><div id="a2840" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:650.213px;top:742.4px;">- </div><div id="a2842" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:757.4px;">Cost of debt repurchase </div><div id="a2844" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:522.453px;top:757.4px;">(10,647) </div><div id="a2847" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:650.213px;top:757.4px;">- </div><div id="a2849" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:772.4px;">FHLB advances (repayments) </div><div id="a2851" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:521.013px;top:772.4px;">310,000 </div><div id="a2854" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:650.213px;top:772.4px;">- </div><div id="a2856" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:787.4px;">Cost of shares withheld on settlements of share-based compensation awards </div><div id="a2860" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:522.453px;top:787.4px;">(15,908) </div><div id="a2863" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:624.453px;top:787.4px;">(13,627) </div><div id="a2865" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:802.7px;">Net cash provided by (used in) financing activities </div><div id="a2868" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:521.013px;top:802.7px;">800,220 </div><div id="a2871" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:619.813px;top:802.7px;">(275,687) </div><div id="a2877" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:827.4px;">EFFECT OF EXCHANGE RATE CHANGES ON CASH </div><div id="a2879" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:530.373px;top:827.4px;">3,187 </div><div id="a2882" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:624.453px;top:827.4px;">(11,882) </div><div id="a2888" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:850.9px;">Net increase (decrease) in cash </div><div id="a2890" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:527.173px;top:850.9px;">(6,385) </div><div id="a2893" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:623.013px;top:850.9px;">151,941 </div><div id="a2895" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:864.9px;">Cash, beginning of period </div><div id="a2897" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:521.013px;top:864.9px;">808,036 </div><div id="a2900" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:623.013px;top:864.9px;">656,095 </div><div id="a2902" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:879.2px;">Cash, end of period </div><div id="a2904" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:516.373px;top:879.2px;">$801,651 </div><div id="a2907" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:618.373px;top:879.2px;">$808,036 </div><div id="a2913" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:55.68px;top:903.4px;">SUPPLEMENTAL CASH FLOW INFORMATION: </div><div id="a2918" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:918.4px;">Income taxes paid (recovered) </div><div id="a2920" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:513.173px;top:918.4px;">$(169,748) </div><div id="a2923" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:615.173px;top:918.4px;">$(148,585) </div><div id="a2925" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:73.68px;top:933.4px;">Interest paid<div style="display:inline-block;width:2.2px">&#160;</div></div><div id="a2927" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:525.653px;top:933.4px;">33,570 </div><div id="a2930" style="position:absolute;font-family:'Times New Roman';font-size:9.36px;left:627.653px;top:933.4px;">31,689 </div><div id="a2932" style="position:absolute;font-family:'Times New Roman';font-size:16px;left:55.68px;top:946.4px;">&#160;</div></div>
</div>
</div>

</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>3
<FILENAME>re-20210208.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!--XBRL document created by Certent CDM version: 20.11.1 using Fujitsu Interstage XWand -->
<schema targetNamespace="http://www.everestre.com/20210208" elementFormDefault="qualified" xmlns="http://www.w3.org/2001/XMLSchema" xmlns:re="http://www.everestre.com/20210208" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance">
    <annotation>
        <appinfo>
            <link:linkbaseRef xlink:type="simple" xlink:href="re-20210208_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
            <link:linkbaseRef xlink:type="simple" xlink:href="re-20210208_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
            <link:roleType roleURI="http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation" id="ELRID_DocumentAndEntityInformation">
                <link:definition>000090 - Document - Document And Entity Information</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
            </link:roleType>
        </appinfo>
    </annotation>
    <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
    <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
    <import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
    <import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
    <import namespace="http://fasb.org/us-gaap/2020-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2020-01-31" schemaLocation="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd" />
</schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>4
<FILENAME>re-20210208_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!--XBRL document created by Certent CDM version: 20.11.1 using Fujitsu Interstage XWand -->
<linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/instance http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink">
    <roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" />
    <roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" />
    <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccruedInvestmentIncomeReceivable" xlink:label="element1" />
        <label xlink:type="resource" xlink:label="label1" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccruedInvestmentIncomeReceivable_en-US">Accrued investment income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1" xlink:to="label1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="element2" />
        <label xlink:type="resource" xlink:label="label2" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AssetsAbstract_en-US">ASSETS:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element2" xlink:to="label2" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockMember" xlink:label="element3" />
        <label xlink:type="resource" xlink:label="label3" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CommonStockMember_en-US">Common Stock [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element3" xlink:to="label3" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockMember" xlink:label="element4" />
        <label xlink:type="resource" xlink:label="label4" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_CommonStockMember_en-US">Common Shares [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element4" xlink:to="label4" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DefinedBenefitPlanRecognizedNetGainLossDueToSettlements1" xlink:label="element5" />
        <label xlink:type="resource" xlink:label="label5" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DefinedBenefitPlanRecognizedNetGainLossDueToSettlements1_en-US">Defined Benefit Plan, Recognized Net (Gain) Loss Due to Settlements</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element5" xlink:to="label5" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DefinedBenefitPlanRecognizedNetGainLossDueToSettlements1" xlink:label="element6" />
        <label xlink:type="resource" xlink:label="label6" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xml:lang="en-US" id="NegatedTerse_us-gaap_DefinedBenefitPlanRecognizedNetGainLossDueToSettlements1_en-US">FAS 88 settlement charge</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element6" xlink:to="label6" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit" xlink:label="element7" />
        <label xlink:type="resource" xlink:label="label7" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_en-US">Defined Benefit Plan, Amortization of Prior Service Cost (Credit)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element7" xlink:to="label7" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit" xlink:label="element8" />
        <label xlink:type="resource" xlink:label="label8" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_en-US">Prior service credit recognition</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element8" xlink:to="label8" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit" xlink:label="element9" />
        <label xlink:type="resource" xlink:label="label9" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_en-US">Amortization of prior service cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element9" xlink:to="label9" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:label="element10" />
        <label xlink:type="resource" xlink:label="label10" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_en-US">Defined Benefit Plan, Expected Return on Plan Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element10" xlink:to="label10" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:label="element11" />
        <label xlink:type="resource" xlink:label="label11" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_en-US">Expected return on plan assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element11" xlink:to="label11" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DefinedBenefitPlanInterestCost" xlink:label="element12" />
        <label xlink:type="resource" xlink:label="label12" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DefinedBenefitPlanInterestCost_en-US">Defined Benefit Plan, Interest Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element12" xlink:to="label12" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DefinedBenefitPlanInterestCost" xlink:label="element13" />
        <label xlink:type="resource" xlink:label="label13" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_DefinedBenefitPlanInterestCost_en-US">Interest cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element13" xlink:to="label13" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DefinedBenefitPostretirementHealthCoverageMember" xlink:label="element14" />
        <label xlink:type="resource" xlink:label="label14" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DefinedBenefitPostretirementHealthCoverageMember_en-US">Defined Benefit Postretirement Health Coverage [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element14" xlink:to="label14" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DefinedBenefitPostretirementHealthCoverageMember" xlink:label="element15" />
        <label xlink:type="resource" xlink:label="label15" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_DefinedBenefitPostretirementHealthCoverageMember_en-US">Post-Retirement Plan [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element15" xlink:to="label15" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EquitySecuritiesMember" xlink:label="element16" />
        <label xlink:type="resource" xlink:label="label16" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_EquitySecuritiesMember_en-US">Equity Securities [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element16" xlink:to="label16" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EquitySecuritiesMember" xlink:label="element17" />
        <label xlink:type="resource" xlink:label="label17" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_EquitySecuritiesMember_en-US">Equity Securities [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element17" xlink:to="label17" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="element18" />
        <label xlink:type="resource" xlink:label="label18" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_en-US">Fair Value Measurements Fair Value Hierarchy [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element18" xlink:to="label18" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="element19" />
        <label xlink:type="resource" xlink:label="label19" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_en-US">Fair Value Plan Asset Measurement [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element19" xlink:to="label19" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="element20" />
        <label xlink:type="resource" xlink:label="label20" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueInputsLevel1Member_en-US">Fair Value Inputs Level1 [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element20" xlink:to="label20" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="element21" />
        <label xlink:type="resource" xlink:label="label21" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_FairValueInputsLevel1Member_en-US">Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element21" xlink:to="label21" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="element22" />
        <label xlink:type="resource" xlink:label="label22" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueInputsLevel2Member_en-US">Fair Value Inputs Level2 [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element22" xlink:to="label22" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="element23" />
        <label xlink:type="resource" xlink:label="label23" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_FairValueInputsLevel2Member_en-US">Significant Other Observable Inputs (Level 2) [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element23" xlink:to="label23" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="element24" />
        <label xlink:type="resource" xlink:label="label24" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueInputsLevel3Member_en-US">Fair Value Inputs Level3 [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element24" xlink:to="label24" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="element25" />
        <label xlink:type="resource" xlink:label="label25" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_FairValueInputsLevel3Member_en-US">Significant Unobservable Inputs (Level 3) [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element25" xlink:to="label25" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="element26" />
        <label xlink:type="resource" xlink:label="label26" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeStatementAbstract_en-US">Consolidated Statements Of Operations And Comprehensive Income (Loss) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element26" xlink:to="label26" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxReceivable" xlink:label="element27" />
        <label xlink:type="resource" xlink:label="label27" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeTaxReceivable_en-US">Federal income taxes recoverable</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element27" xlink:to="label27" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxReceivable" xlink:label="element28" />
        <label xlink:type="resource" xlink:label="label28" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_IncomeTaxReceivable_en-US">Income taxes</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element28" xlink:to="label28" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestExpense" xlink:label="element29" />
        <label xlink:type="resource" xlink:label="label29" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestExpense_en-US">Interest, fees and bond issue cost amortization expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element29" xlink:to="label29" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestExpense" xlink:label="element30" />
        <label xlink:type="resource" xlink:label="label30" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_InterestExpense_en-US">Interest, fee and bond issue cost amortization expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element30" xlink:to="label30" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="element31" />
        <label xlink:type="resource" xlink:label="label31" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LiabilitiesAbstract_en-US">LIABILITIES:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element31" xlink:to="label31" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherAssets" xlink:label="element32" />
        <label xlink:type="resource" xlink:label="label32" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherAssets_en-US">Other assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element32" xlink:to="label32" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherAssets" xlink:label="element33" />
        <label xlink:type="resource" xlink:label="label33" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherAssets_en-US">Other invested assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element33" xlink:to="label33" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherCostAndExpenseOperating" xlink:label="element34" />
        <label xlink:type="resource" xlink:label="label34" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherCostAndExpenseOperating_en-US">Other Cost and Expense, Operating</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element34" xlink:to="label34" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherCostAndExpenseOperating" xlink:label="element35" />
        <label xlink:type="resource" xlink:label="label35" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_OtherCostAndExpenseOperating_en-US">Other underwriting expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element35" xlink:to="label35" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:label="element36" />
        <label xlink:type="resource" xlink:label="label36" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_en-US">Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Net of Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element36" xlink:to="label36" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:label="element37" />
        <label xlink:type="resource" xlink:label="label37" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_en-US">Unrealized appreciation (depreciation) ("URA(D)") on securities arising during the period</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element37" xlink:to="label37" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="element38" />
        <label xlink:type="resource" xlink:label="label38" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherLiabilities_en-US">Other liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element38" xlink:to="label38" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:label="element39" />
        <label xlink:type="resource" xlink:label="label39" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_PensionPlansDefinedBenefitMember_en-US">Pension Plans Defined Benefit [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element39" xlink:to="label39" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:label="element40" />
        <label xlink:type="resource" xlink:label="label40" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_PensionPlansDefinedBenefitMember_en-US">Defined Benefit Pension Plan [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element40" xlink:to="label40" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RelatedPartyDomain" xlink:label="element41" />
        <label xlink:type="resource" xlink:label="label41" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_RelatedPartyDomain_en-US">Related Party [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element41" xlink:to="label41" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RelatedPartyDomain" xlink:label="element42" />
        <label xlink:type="resource" xlink:label="label42" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_RelatedPartyDomain_en-US">Related Party [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element42" xlink:to="label42" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RetirementPlanTypeDomain" xlink:label="element43" />
        <label xlink:type="resource" xlink:label="label43" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_RetirementPlanTypeDomain_en-US">Retirement Plan Type [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element43" xlink:to="label43" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RetirementPlanTypeDomain" xlink:label="element44" />
        <label xlink:type="resource" xlink:label="label44" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_RetirementPlanTypeDomain_en-US">Retirement Plan Type [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element44" xlink:to="label44" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Revenues" xlink:label="element45" />
        <label xlink:type="resource" xlink:label="label45" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_Revenues_en-US">Revenues</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element45" xlink:to="label45" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Revenues" xlink:label="element46" />
        <label xlink:type="resource" xlink:label="label46" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_Revenues_en-US">Total revenues</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element46" xlink:to="label46" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SegmentDomain" xlink:label="element47" />
        <label xlink:type="resource" xlink:label="label47" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_SegmentDomain_en-US">Segment [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element47" xlink:to="label47" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SegmentDomain" xlink:label="element48" />
        <label xlink:type="resource" xlink:label="label48" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_SegmentDomain_en-US">Reporting Segment [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element48" xlink:to="label48" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SellingAndMarketingExpense" xlink:label="element49" />
        <label xlink:type="resource" xlink:label="label49" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_SellingAndMarketingExpense_en-US">Commission, brokerage, taxes and fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element49" xlink:to="label49" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SellingAndMarketingExpense" xlink:label="element50" />
        <label xlink:type="resource" xlink:label="label50" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_SellingAndMarketingExpense_en-US">Commission and brokerage</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element50" xlink:to="label50" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="element51" />
        <label xlink:type="resource" xlink:label="label51" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_en-US">Transfers And Servicing Of Financial Instruments Types Of Financial Instruments [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element51" xlink:to="label51" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="element52" />
        <label xlink:type="resource" xlink:label="label52" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_en-US">Major Types of Debt and Equity Securities [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element52" xlink:to="label52" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TypeOfAdoptionMember" xlink:label="element53" />
        <label xlink:type="resource" xlink:label="label53" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TypeOfAdoptionMember_en-US">Type Of Adoption [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element53" xlink:to="label53" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TypeOfAdoptionMember" xlink:label="element54" />
        <label xlink:type="resource" xlink:label="label54" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_TypeOfAdoptionMember_en-US">Type of Adoption [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element54" xlink:to="label54" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="element55" />
        <label xlink:type="resource" xlink:label="label55" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_CoverAbstract_en-US">Cover [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element55" xlink:to="label55" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentType" xlink:label="element56" />
        <label xlink:type="resource" xlink:label="label56" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_DocumentType_en-US">Document Type</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element56" xlink:to="label56" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentQuarterlyReport" xlink:label="element57" />
        <label xlink:type="resource" xlink:label="label57" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_DocumentQuarterlyReport_en-US">Document Quarterly Report</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element57" xlink:to="label57" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentTransitionReport" xlink:label="element58" />
        <label xlink:type="resource" xlink:label="label58" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_DocumentTransitionReport_en-US">Document Transition Report</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element58" xlink:to="label58" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityInteractiveDataCurrent" xlink:label="element59" />
        <label xlink:type="resource" xlink:label="label59" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityInteractiveDataCurrent_en-US">Entity Interactive Data Current</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element59" xlink:to="label59" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_WrittenCommunications" xlink:label="element60" />
        <label xlink:type="resource" xlink:label="label60" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_WrittenCommunications_en-US">Written Communications</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element60" xlink:to="label60" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SolicitingMaterial" xlink:label="element61" />
        <label xlink:type="resource" xlink:label="label61" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_SolicitingMaterial_en-US">Soliciting Material</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element61" xlink:to="label61" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementTenderOffer" xlink:label="element62" />
        <label xlink:type="resource" xlink:label="label62" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_PreCommencementTenderOffer_en-US">Pre Commencement Tender Offer</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element62" xlink:to="label62" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="element63" />
        <label xlink:type="resource" xlink:label="label63" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_PreCommencementIssuerTenderOffer_en-US">Pre Commencement Issuer Tender Offer</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element63" xlink:to="label63" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentFlag" xlink:label="element64" />
        <label xlink:type="resource" xlink:label="label64" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_AmendmentFlag_en-US">Amendment Flag</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element64" xlink:to="label64" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="element65" />
        <label xlink:type="resource" xlink:label="label65" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_DocumentFiscalYearFocus_en-US">Document Fiscal Year Focus</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element65" xlink:to="label65" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="element66" />
        <label xlink:type="resource" xlink:label="label66" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_DocumentFiscalPeriodFocus_en-US">Document Fiscal Period Focus</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element66" xlink:to="label66" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="element67" />
        <label xlink:type="resource" xlink:label="label67" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_DocumentPeriodEndDate_en-US">Document Period End Date</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element67" xlink:to="label67" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityRegistrantName" xlink:label="element68" />
        <label xlink:type="resource" xlink:label="label68" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityRegistrantName_en-US">Entity Registrant Name</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element68" xlink:to="label68" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="element69" />
        <label xlink:type="resource" xlink:label="label69" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityCentralIndexKey_en-US">Entity Central Index Key</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element69" xlink:to="label69" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFileNumber" xlink:label="element70" />
        <label xlink:type="resource" xlink:label="label70" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityFileNumber_en-US">Entity File Number</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element70" xlink:to="label70" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:label="element71" />
        <label xlink:type="resource" xlink:label="label71" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityTaxIdentificationNumber_en-US">Entity Tax Identification Number</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element71" xlink:to="label71" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="element72" />
        <label xlink:type="resource" xlink:label="label72" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityIncorporationStateCountryCode_en-US">Entity Incorporation State Country Code</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element72" xlink:to="label72" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:label="element73" />
        <label xlink:type="resource" xlink:label="label73" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_CurrentFiscalYearEndDate_en-US">Current Fiscal Year End Date</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element73" xlink:to="label73" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:label="element74" />
        <label xlink:type="resource" xlink:label="label74" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityCurrentReportingStatus_en-US">Entity Current Reporting Status</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element74" xlink:to="label74" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityShellCompany" xlink:label="element75" />
        <label xlink:type="resource" xlink:label="label75" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityShellCompany_en-US">Entity Shell Company</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element75" xlink:to="label75" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFilerCategory" xlink:label="element76" />
        <label xlink:type="resource" xlink:label="label76" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityFilerCategory_en-US">Entity Filer Category</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element76" xlink:to="label76" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntitySmallBusiness" xlink:label="element77" />
        <label xlink:type="resource" xlink:label="label77" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntitySmallBusiness_en-US">Entity Small Business</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element77" xlink:to="label77" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:label="element78" />
        <label xlink:type="resource" xlink:label="label78" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityEmergingGrowthCompany_en-US">Entity Emerging Growth Company</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element78" xlink:to="label78" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine1" xlink:label="element79" />
        <label xlink:type="resource" xlink:label="label79" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityAddressAddressLine1_en-US">Entity Address Address Line 1</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element79" xlink:to="label79" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine2" xlink:label="element80" />
        <label xlink:type="resource" xlink:label="label80" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityAddressAddressLine2_en-US">Entity Address Address Line 2</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element80" xlink:to="label80" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine3" xlink:label="element81" />
        <label xlink:type="resource" xlink:label="label81" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityAddressAddressLine3_en-US">Entity Address Address Line 3</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element81" xlink:to="label81" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCityOrTown" xlink:label="element82" />
        <label xlink:type="resource" xlink:label="label82" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityAddressCityOrTown_en-US">Entity Address City Or Town</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element82" xlink:to="label82" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:label="element83" />
        <label xlink:type="resource" xlink:label="label83" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityAddressStateOrProvince_en-US">Entity Address, State or Province</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element83" xlink:to="label83" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCountry" xlink:label="element84" />
        <label xlink:type="resource" xlink:label="label84" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityAddressCountry_en-US">Entity Address Country</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element84" xlink:to="label84" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:label="element85" />
        <label xlink:type="resource" xlink:label="label85" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityAddressPostalZipCode_en-US">Entity Address Postal Zip Code</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element85" xlink:to="label85" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CountryRegion" xlink:label="element86" />
        <label xlink:type="resource" xlink:label="label86" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_CountryRegion_en-US">Country Region</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element86" xlink:to="label86" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CityAreaCode" xlink:label="element87" />
        <label xlink:type="resource" xlink:label="label87" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_CityAreaCode_en-US">City Area Code</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element87" xlink:to="label87" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LocalPhoneNumber" xlink:label="element88" />
        <label xlink:type="resource" xlink:label="label88" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_LocalPhoneNumber_en-US">Local Phone Number</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element88" xlink:to="label88" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12bTitle" xlink:label="element89" />
        <label xlink:type="resource" xlink:label="label89" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_Security12bTitle_en-US">Security 12b Title</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element89" xlink:to="label89" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_TradingSymbol" xlink:label="element90" />
        <label xlink:type="resource" xlink:label="label90" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_TradingSymbol_en-US">Trading Symbol</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element90" xlink:to="label90" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityExchangeName" xlink:label="element91" />
        <label xlink:type="resource" xlink:label="label91" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_SecurityExchangeName_en-US">Security Exchange Name</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element91" xlink:to="label91" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="element92" />
        <label xlink:type="resource" xlink:label="label92" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityCommonStockSharesOutstanding_en-US">Entity Common Stock, Shares Outstanding</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element92" xlink:to="label92" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/country/2020/country-2020-01-31.xsd#country_GB" xlink:label="element93" />
        <label xlink:type="resource" xlink:label="label93" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_country_GB_en-US">G [B]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element93" xlink:to="label93" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/country/2020/country-2020-01-31.xsd#country_GB" xlink:label="element94" />
        <label xlink:type="resource" xlink:label="label94" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_country_GB_en-US">United Kingdom [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element94" xlink:to="label94" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_ProductsAndServicesDomain" xlink:label="element95" />
        <label xlink:type="resource" xlink:label="label95" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_srt_ProductsAndServicesDomain_en-US">Products And Services [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element95" xlink:to="label95" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_ProductsAndServicesDomain" xlink:label="element96" />
        <label xlink:type="resource" xlink:label="label96" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_srt_ProductsAndServicesDomain_en-US">Insurance Product Line [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element96" xlink:to="label96" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_SegmentGeographicalDomain" xlink:label="element97" />
        <label xlink:type="resource" xlink:label="label97" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_srt_SegmentGeographicalDomain_en-US">Segment Geographical [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element97" xlink:to="label97" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_SegmentGeographicalDomain" xlink:label="element98" />
        <label xlink:type="resource" xlink:label="label98" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_srt_SegmentGeographicalDomain_en-US">Segment, Geographical [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element98" xlink:to="label98" />
    </labelLink>
</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>re-20210208_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!--XBRL document created by Certent CDM version: 20.11.1 using Fujitsu Interstage XWand -->
<linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/instance http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink">
    <roleRef roleURI="http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation" xlink:type="simple" xlink:href="re-20210208.xsd#ELRID_DocumentAndEntityInformation" />
    <presentationLink xlink:type="extended" xlink:role="http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation">
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_1" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentType" xlink:label="Locator_dei_DocumentType_2" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_1" xlink:to="Locator_dei_DocumentType_2" order="1.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_3" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentFlag" xlink:label="Locator_dei_AmendmentFlag_4" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_3" xlink:to="Locator_dei_AmendmentFlag_4" order="2.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_5" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentQuarterlyReport" xlink:label="Locator_dei_DocumentQuarterlyReport_6" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_5" xlink:to="Locator_dei_DocumentQuarterlyReport_6" order="3.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_7" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="Locator_dei_DocumentPeriodEndDate_8" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_7" xlink:to="Locator_dei_DocumentPeriodEndDate_8" order="4.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_9" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentTransitionReport" xlink:label="Locator_dei_DocumentTransitionReport_10" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_9" xlink:to="Locator_dei_DocumentTransitionReport_10" order="5.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_11" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="Locator_dei_DocumentFiscalYearFocus_12" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_11" xlink:to="Locator_dei_DocumentFiscalYearFocus_12" order="6.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_13" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="Locator_dei_DocumentFiscalPeriodFocus_14" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_13" xlink:to="Locator_dei_DocumentFiscalPeriodFocus_14" order="7.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_15" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:label="Locator_dei_CurrentFiscalYearEndDate_16" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_15" xlink:to="Locator_dei_CurrentFiscalYearEndDate_16" order="8.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_17" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFileNumber" xlink:label="Locator_dei_EntityFileNumber_18" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_17" xlink:to="Locator_dei_EntityFileNumber_18" order="9.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_19" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityRegistrantName" xlink:label="Locator_dei_EntityRegistrantName_20" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_19" xlink:to="Locator_dei_EntityRegistrantName_20" order="10.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_21" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="Locator_dei_EntityCentralIndexKey_22" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_21" xlink:to="Locator_dei_EntityCentralIndexKey_22" order="11.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_23" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="Locator_dei_EntityIncorporationStateCountryCode_24" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_23" xlink:to="Locator_dei_EntityIncorporationStateCountryCode_24" order="12.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_25" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:label="Locator_dei_EntityTaxIdentificationNumber_26" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_25" xlink:to="Locator_dei_EntityTaxIdentificationNumber_26" order="13.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_27" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine1" xlink:label="Locator_dei_EntityAddressAddressLine1_28" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_27" xlink:to="Locator_dei_EntityAddressAddressLine1_28" order="14.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_29" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine2" xlink:label="Locator_dei_EntityAddressAddressLine2_30" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_29" xlink:to="Locator_dei_EntityAddressAddressLine2_30" order="15.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_31" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine3" xlink:label="Locator_dei_EntityAddressAddressLine3_32" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_31" xlink:to="Locator_dei_EntityAddressAddressLine3_32" order="16.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_33" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCityOrTown" xlink:label="Locator_dei_EntityAddressCityOrTown_34" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_33" xlink:to="Locator_dei_EntityAddressCityOrTown_34" order="17.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_35" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:label="Locator_dei_EntityAddressStateOrProvince_36" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_35" xlink:to="Locator_dei_EntityAddressStateOrProvince_36" order="18.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_37" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:label="Locator_dei_EntityAddressPostalZipCode_38" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_37" xlink:to="Locator_dei_EntityAddressPostalZipCode_38" order="19.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_39" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCountry" xlink:label="Locator_dei_EntityAddressCountry_40" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_39" xlink:to="Locator_dei_EntityAddressCountry_40" order="20.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_41" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CountryRegion" xlink:label="Locator_dei_CountryRegion_42" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_41" xlink:to="Locator_dei_CountryRegion_42" order="21.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_43" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CityAreaCode" xlink:label="Locator_dei_CityAreaCode_44" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_43" xlink:to="Locator_dei_CityAreaCode_44" order="22.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_45" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LocalPhoneNumber" xlink:label="Locator_dei_LocalPhoneNumber_46" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_45" xlink:to="Locator_dei_LocalPhoneNumber_46" order="23.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_47" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:label="Locator_dei_EntityCurrentReportingStatus_48" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_47" xlink:to="Locator_dei_EntityCurrentReportingStatus_48" order="24.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_49" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFilerCategory" xlink:label="Locator_dei_EntityFilerCategory_50" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_49" xlink:to="Locator_dei_EntityFilerCategory_50" order="25.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_51" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityInteractiveDataCurrent" xlink:label="Locator_dei_EntityInteractiveDataCurrent_52" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_51" xlink:to="Locator_dei_EntityInteractiveDataCurrent_52" order="26.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_53" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_WrittenCommunications" xlink:label="Locator_dei_WrittenCommunications_54" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_53" xlink:to="Locator_dei_WrittenCommunications_54" order="27.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_55" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SolicitingMaterial" xlink:label="Locator_dei_SolicitingMaterial_56" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_55" xlink:to="Locator_dei_SolicitingMaterial_56" order="28.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_57" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementTenderOffer" xlink:label="Locator_dei_PreCommencementTenderOffer_58" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_57" xlink:to="Locator_dei_PreCommencementTenderOffer_58" order="29.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_59" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="Locator_dei_PreCommencementIssuerTenderOffer_60" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_59" xlink:to="Locator_dei_PreCommencementIssuerTenderOffer_60" order="30.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_61" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:label="Locator_dei_EntityEmergingGrowthCompany_62" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_61" xlink:to="Locator_dei_EntityEmergingGrowthCompany_62" order="31.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_63" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntitySmallBusiness" xlink:label="Locator_dei_EntitySmallBusiness_64" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_63" xlink:to="Locator_dei_EntitySmallBusiness_64" order="32.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_65" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityShellCompany" xlink:label="Locator_dei_EntityShellCompany_66" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_65" xlink:to="Locator_dei_EntityShellCompany_66" order="33.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_67" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12bTitle" xlink:label="Locator_dei_Security12bTitle_68" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_67" xlink:to="Locator_dei_Security12bTitle_68" order="34.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_69" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_TradingSymbol" xlink:label="Locator_dei_TradingSymbol_70" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_69" xlink:to="Locator_dei_TradingSymbol_70" order="35.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_71" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityExchangeName" xlink:label="Locator_dei_SecurityExchangeName_72" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_71" xlink:to="Locator_dei_SecurityExchangeName_72" order="36.0" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="Locator_dei_CoverAbstract_73" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="Locator_dei_EntityCommonStockSharesOutstanding_74" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_CoverAbstract_73" xlink:to="Locator_dei_EntityCommonStockSharesOutstanding_74" order="37.0" />
    </presentationLink>
</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>ex991p1i0.gif
<TEXT>
begin 644 ex991p1i0.gif
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MS#.J_S/5 #/5,S/59C/5F3/5S#/5_S/_ #/_,S/_9C/_F3/_S#/__V8  &8
M,V8 9F8 F68 S&8 _V8K &8K,V8K9F8KF68KS&8K_V95 &95,V959F95F695
MS&95_V:  &: ,V: 9F: F6: S&: _V:J &:J,V:J9F:JF6:JS&:J_V;5 &;5
M,V;59F;5F6;5S&;5_V;_ &;_,V;_9F;_F6;_S&;__YD  )D ,YD 9ID F9D
MS)D _YDK )DK,YDK9IDKF9DKS)DK_YE5 )E5,YE59IE5F9E5S)E5_YF  )F
M,YF 9IF F9F S)F _YFJ )FJ,YFJ9IFJF9FJS)FJ_YG5 )G5,YG59IG5F9G5
MS)G5_YG_ )G_,YG_9IG_F9G_S)G__\P  ,P ,\P 9LP F<P S,P _\PK ,PK
M,\PK9LPKF<PKS,PK_\Q5 ,Q5,\Q59LQ5F<Q5S,Q5_\R  ,R ,\R 9LR F<R
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MM0X-(O3@*DV%K;IF8\23J:8A^3)HPWC126(5EA1K8)LO:CMJGIW9L=]4VE@
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M@>;C.BQADT5IE++$CR=A?FYD1EBY6:26$LIP<U*Y8=]6$\2P;*\H2C2I$M%
ME%^Y8519$C!5/(MX<+ 3E!Y!#[:VEF 9@C%1=&"7//^KA!)4M))XJ5 A21,2
M54B897AH-'(?40_:-IC8A90D,6(A-V2)I%FW1Q+J%)6064F'^!*\M90Z=8;M
MM0_DJ(7*4(JAD)K%6(K#Z)H342>="98<EQ(PB7#@4YG^U!LLUW84IQEL(AIU
M@8H/H4YO.)NV]6LN078G5V+G]SUNQ%R3\68(8!<+DAIZF1"9=I/(&9FM\A)C
M"9V.MTMB1Q &R70- V_S<IP* 0V/V9VVU99%=$0/A%D7Y%NIP"[J]'N2%F7"
MJ6$*,93<"9^=5IN:J7Y[M62,1$-=I"\1=U934AS(N)D$RI8]EQ+9M%ED:73]
MPURJ%4F;HWE*%X'Z()L5&ID8V5D2$]EXHL9>S_F71.B?C_:@Z<%8*LF>_R>Z
M5I]I$D;D4<D#/HETE@G1@5:6GH"A= 6B.Q2:HY%IH!^A#+KGG&+V21HG%\AA
MI"Y7:W21 S8GF$SZ7SMI$FC$HBU&GG7%F (!!)2(,LQD,Q.&HU_*9=_)HRW:
M3:M#49]$EP)86%)'9]<F0G&Z8<I)$OZS;. D/F@!.UO9$!\4,I/W&3DT0'82
MJ(TEF17ABB3YDQJ5F0SQ=+.E)3)7%W!*J295F"2A0IJZE&Q$2!B93E&W(.9!
M75Y*JD?II-B44:?58"U46ME!$30#9=6U+YQ)JWBTHQYQF)<)020&HQ.A!NIY
M8X8SJ<3J;2FJ$3V*H'P5=G[U/1E1-(A58X ZK?_8)9](1I%+QDO?M%6KLQ'.
M18DB(ZWB*J<@40_H-5XFR3\=<1D-8QRC&J^$&:8;(7NBN:I+B6P$&1&3:!X<
MZ:\^9*D-(6HLJFX>14X<!!*-HG3PRK FU8,<45QW)9":]40'6Q%&V(0:VZ0=
M4:_/*4BY25<C&T"B2A#ELA\&42ZS4[.STP[$T Z5HRP*43E*PICT,#L]BSDG
M&Q3&6A&'64PNY$VIL*IS:1+O*1"'V6=DIT "&SXC)["IP*P&87Z@E"PKH7.;
MZ%]W.!OZ-4^;F$YOE7<"\6&JF%VS<7=]][8#H7T%T6MV>[9QVQ!#A16@D'5Z
MFUUG:[=02+?N:*M(1F[_OK2.WX2FZ3,7U[4Z+P8?Y780A]E("2%@JV-LMZD\
M T6-U:D7U3FZ">, .%I0=E&M I$@#U"/ @&<"5.Z#H  H\MQFG&ZLE6=7(J,
M;<@J6E*=M5N[.6".EY%ALE6\S95AM6NZI%NZV[41Y%H0F9M*0FA@:R9.>GH1
M*FF)H2D; N&*SI-DS%,NGZ40(V8DS+-;J],?YO!$*>%<G_$#<(!)^@I[?;<Y
MT2N HE%;;I8X]5N_\8)E"#%_@*$&:M"N":!\[<<B:8!)" P$?3%\@*$)I0<*
M-M=UZB0:7%J_,-(V"3S!(@$\&5&!+BIP]%E79+&]%F&<"E%#5 L[Y540Z+6]
M_R('53-L$/3S"N7E#N8#N1I!#'-X$.U#A$P3O8[I 'UC$"5;6XURC4^&0C1S
M:2$U5K?E%@4\&ML5B0,!,A?JQ3%[MUX)$M-+M6:*:H26"J$KE)W1KV"QKJ[8
M0:'EH0EA1&3&)ZYP2P7A/8K7OB;1*'VA;VA#G/HW0  KCR5%Q/(B-!GK;'@!
MIS0SJHU2' @1#0@PJGH!$<6G7U;:&2&X(JS[/(K[:2XZ2C<5I2M<$NJTOP.Q
M.N<P8CE,$!)E(N!'RMF 3F3(J0(Q5](X$&3WLA6QG5N*$&Y#S';!<6EPR0@!
MR*B+$&]#4*EQ7:AQ:=,)H 8Q33$#G*Q<-7 J%VR"<_\#RA&FZETK^YSI=Q;F
MTTOD8PNU  NRY\ZO ,^J PO*0\^L8\^K8\^REPVP$!IN_&]E9V@#822EE1"=
M.QMLAA#>4POS4#G%TZH=T96I,<H$$5(;B1#QXL9IL!G;?! T<UU/TF73<G\1
M$=)TH<=PF%BAO!$.:\8(IZRX^4G)163CR3_/Z!8=/1 JNZ@&L;1'I]#S/! 2
M=60[S$W9(- > 1AWA+C93!>C^D&LNTR^.D 16%8IBC9X$1$J.75,#1'5N+ 6
MH9,4$5K]$THH#-/I1IIF"':(R=8O11>-7,>%E&*P\PV]8 ZV  Z56Q"W<+D"
M$5JMREOB!-$<L9_X=<T(T!#_CA)X!EF;&WQKE]00<" O2ZR JH%_M\-OQ*<0
MO]H9.9#3Q+Q#PWH1#NO3OP4^AS1DT.B<!6NGKHUXKP!#..U=L*/+.JTZ0?F#
M)<DZKD>&'.2/L3R+MZ-_6+/-2>P6^E50AVR>\L)8.;#2^V"0H1%XU:Q]]\M8
M*V*.ZC-=7V3!<'B0(T&5F4M.Q<2T_/329U1[-:T\9N$6_ZP0@)UB_\,0B.9@
M761^S9:(A(T1^WE0UJP0KHL 8!1CRTT0@!&XPE@T'=VH#Z!2O[J_JX6_^U T
M[ZTB6MHBZX&W'CW$(1&6Y;K;:UT?]7/*9<=1:@V0T&AVJ("59A?;K^ 6F:"T
MJL/3VST=M2EF>[9P#CDNL!CI2=G0;.K(PI(Q/6J0!F3E9LHLV7>Q:Y-\CT)\
M,O+RD='M:L1QS%U]M[<3J7/A$)HPP"7X !7^H?("W12AC*DS;"6./^ EXLFJ
M5W0U3++] *.-$*&UUP>AOKQ0+CL[#-TFO@"M.ARST&_\.L#<$&D)&/P&R@_!
M<&I5%YO $)/MU$.%P:+A06GS V1U%Z-<LESZP&^@!G4!VBIRO/36Q@]AD)X#
M$EVW$"-YKU@5:L:3?IF:5:]]KS04YZ*.N;%SX[U5L03QO>R2H0ID?C/,X_\>
MX6;3;1#%!Q%8([D#,1D=K1?Z158.L=%8)!#(?N4%$>GAC.T4?;>_RS0YH.$#
M >IW =:+?J$) ;:P^(REK*TZ1;#(Y4LVU9<OY19Q_1"<\@IT7!!DK;FRK#I>
MVR/K6A"YU\N^?#[BG%A5+>5O>Q</ $=/$N9RQ,$&D08<V:[/Y,T"[A!*B!>(
M^P"5+1'+T(883NX"\08-@^Z*K;@>5]846U.*N3QLI*XF65KJIEGEA.OITP[G
MH'$[VQ_FVQ\&X5G.PQ^58Q :(S!#+[W"ESZ&(Q ?--HA%<8%H>T$H:9;/A A
M'7^*;1JUM;860>HN.=FISA%)^[7NON8:M4:BU&#_WA2E<G^G+P[F]$1'N9X0
MQ:=MC?T0M=L9*#\<68WEJ8'R!MSM'/$JB=P0;[ 7<][R#C%B<=G69\17-!UV
M(?=7C,M><1[CN+>5]- +O0% PQ.^!T,,D'&S^W"SQ*#C0C0\Y_ RO9#COLP+
M/S8,O$!JH<]A0HX0U>SU!.7PC:K$:#/*8%R;7;@0994 3H87T%WQ11S\)(L:
M9"[U''X0L-L0@[KN&+1HBH2!XA-5&"5N;FZ![6WW&-%5 I$I9!9N59%[9$8,
MX+N^*B00ZYLZMA .]O\*4*4G &'NE:U7^PS:2C7,(+U7L%X5W/>*5T1;!BU>
MQ)CQX@\'#Q \T*3Q(A '_]%$9LSA\4&:!P].:OS1T@&<ER!?[GO0T27&' X2
M. AY<UE.CT%%_LAQ<IG)DYHZ)DAZ$Z.:IS,S*M.TC!A3J3AQ=-W'Z^%#5&-3
MO7(U]E6V5V<?LEW[MNU#5W#+RGWK=MK8;*G2[FV9">Q-7K; 5=PW[&R[B/3V
MF3NKSQW$6N#V,=Q7[Y5C@A=?N8L(^E6MB^YJ"5R82A]#Q^U>G8,X&.:#GS9?
MQB0VF.A'!+)Q_DR@["0<!%Q%]LR941/1G3=_U*8YW,$RD?IR&,WX)D'.'[[W
M426:!B-639J$@TT)5J#;M>SQNF5[UJTK]P_9]TT[-S]:M0^EO6HI.N\R>J4=
MS/_V:<<6UR;CC)=S;)G,H($D',8U@P2:,**'$&/HLX,JVNRRL7JQ""'&!K0H
MI8XZ.DD9JA+ [B:G6LJ)NL%FS"FD:.B)AKIEE'DNJI.B\>D!(2]BZ2/Q;H+#
M)Y]T%$Z99?199CD$!,RHR>N,VP>.VJ8;\#F5!%0F%%#@4 84W8Y\J1>TX.)K
MKK;VV\^^L=+JJS\]S;)S+&P M W%B^AA#S0W][&E%ELX,R<B126T;!_8;#GG
MH-@B N>UBV#31\.'*F4HTQ,1O'1 %57ZZ2,G4>VHNQN=#,XWCE12R4D$='+
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MED,S6M+TE)A\ %,<<-34+56B)QVE2XI:QTN.QP'[^$$<PVD1&-41C2=)CT&
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*KV3-A[[M @( .P$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>7
<FILENAME>re-20210208_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xml:lang="en-US"
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="re-20210208.xsd" xlink:type="simple"/>
    <context id="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001095073</identifier>
        </entity>
        <period>
            <startDate>2021-02-08</startDate>
            <endDate>2021-02-08</endDate>
        </period>
    </context>
    <dei:AmendmentFlag
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_1">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_19">0001095073</dei:EntityCentralIndexKey>
    <dei:DocumentType
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_0">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_7">2021-02-08</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_8">Everest Re Group, Ltd.</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_13">D0</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_2">1-15731</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_14">98-0365432</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_15">Seon Place &#x2013; 4th Floor</dei:EntityAddressAddressLine1>
    <dei:EntityAddressAddressLine2
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_3">141 Front Street</dei:EntityAddressAddressLine2>
    <dei:EntityAddressAddressLine3
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_9">PO Box HM 845</dei:EntityAddressAddressLine3>
    <dei:EntityAddressCityOrTown
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_16">Hamilton</dei:EntityAddressCityOrTown>
    <dei:EntityAddressPostalZipCode
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_4">HM 19</dei:EntityAddressPostalZipCode>
    <dei:EntityAddressCountry
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_17">BM</dei:EntityAddressCountry>
    <dei:CityAreaCode
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_18">441</dei:CityAreaCode>
    <dei:LocalPhoneNumber
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_10">295-0006</dei:LocalPhoneNumber>
    <dei:WrittenCommunications
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_5">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_11">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_12">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_20">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_23">Common Shares, $0.01 par value</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_22">RE</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_21">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany
      contextRef="FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073"
      id="ID_6">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>8
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.20.4</span><table class="report" border="0" cellspacing="2" id="idm139714631752648">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document And Entity Information<br></strong></div></th>
<th class="th"><div>Feb. 08, 2021</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Feb.  08,  2021<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">1-15731<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">Everest Re Group, Ltd.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001095073<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">D0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">98-0365432<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address Address Line 1</a></td>
<td class="text">Seon Place &#8211; 4th Floor<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address Address Line 2</a></td>
<td class="text">141 Front Street<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine3', window );">Entity Address Address Line 3</a></td>
<td class="text">PO Box HM 845<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address City Or Town</a></td>
<td class="text">Hamilton<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address Postal Zip Code</a></td>
<td class="text">HM 19<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCountry', window );">Entity Address Country</a></td>
<td class="text">BM<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">441<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">295-0006<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common Shares, $0.01 par value<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">RE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine3">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 3 such as an Office Park</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine3</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCountry">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>ISO 3166-1 alpha-2 country code.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCountry</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:countryCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>9
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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MO]EIMYH,(SRR:'H.X2@,8>&DQ?$>NA%:B8?K+00,;JYX(,C//W89I;^0EMV
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MZ.#<@V#OX96,'<V/'W?W U!+ P04    " "HC$A2)!Z;HJT   #X 0  &@
M 'AL+U]R96QS+W=O<FMB;V]K+GAM;"YR96QSM9$]#H,P#(6O$N4 -5"I0P5,
M75@K+A %\R,2$L6N"K<OA0&0.G1ALIXM?^_)3I]H%'=NH+;S)$9K!LIDR^SO
M *1;M(HNSN,P3VH7K.)9A@:\TKUJ$)(HND'8,V2>[IFBG#S^0W1UW6E\./VR
M./ /,+Q=Z*E%9"E*%1KD3,)HMC;!4N++3):BJ#(9BBJ6<%H@XLD@;6E6?;!/
M3K3G>1<W]T6NS>,)KM\,<'AT_@%02P,$%     @ J(Q(4F60>9(9 0  SP,
M !,   !;0V]N=&5N=%]4>7!E<UTN>&ULK9--3L,P$(6O$F5;)2XL6*"F&V +
M77 !8T\:J_Z39UK2VS-.VDJ@$A6%3:QXWKS/GI>LWH\1L.B=]=B4'5%\% )5
M!TYB'2)XKK0A.4G\FK8B2K636Q#WR^6#4,$3>*HH>Y3KU3.T<F^I>.EY&TWP
M39G 8ED\C<+,:DH9HS5*$M?%P>L?E.I$J+EST&!G(BY84(JKA%SY'7#J>SM
M2D9#L9&)7J5CE>BM0#I:P'K:XLH90]L:!3JHO>.6&F,"J;$#(&?KT70Q32:>
M,(S/N]G\P68*R,I-"A$YL01_QYTCR=U59"-(9*:O>"&R]>S[04Y;@[Z1S>/]
M#&DWY(%B6.;/^'O&%_\;SO$1PNZ_/[&\UDX:?^:+X3]>?P%02P$"% ,4
M" "HC$A2!T%-8H$   "Q    $               @ $     9&]C4')O<',O
M87!P+GAM;%!+ 0(4 Q0    ( *B,2%*JL!DY[@   "L"   1
M  "  :\   !D;V-0<F]P<R]C;W)E+GAM;%!+ 0(4 Q0    ( *B,2%*97)PC
M$ 8  )PG   3              "  <P!  !X;"]T:&5M92]T:&5M93$N>&UL
M4$L! A0#%     @ J(Q(4L[A;/I8!   <A$  !@              ("!#0@
M 'AL+W=O<FMS:&5E=',O<VAE970Q+GAM;%!+ 0(4 Q0    ( *B,2%*#J:4#
MU $  #(&   -              "  9L,  !X;"]S='EL97,N>&UL4$L! A0#
M%     @ J(Q(4I>*NQS     $P(   L              ( !F@X  %]R96QS
M+RYR96QS4$L! A0#%     @ J(Q(4CJJHN=  0  / (   \
M ( !@P\  'AL+W=O<FMB;V]K+GAM;%!+ 0(4 Q0    ( *B,2%(D'INBK0
M /@!   :              "  ? 0  !X;"]?<F5L<R]W;W)K8F]O:RYX;6PN
M<F5L<U!+ 0(4 Q0    ( *B,2%)ED'F2&0$  ,\#   3              "
M =41  !;0V]N=&5N=%]4>7!E<UTN>&UL4$L%!@     )  D /@(  !\3
!  $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.20.4</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>96</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="re-20210208.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>000090 - Document - Document And Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation</Role>
      <ShortName>Document And Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="re-20210208.htm">re-20210208.htm</File>
    <File>ex991.htm</File>
    <File>re-20210208.xsd</File>
    <File>re-20210208_lab.xml</File>
    <File>re-20210208_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy>http://xbrl.sec.gov/dei/2020-01-31</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>14
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "re-20210208.htm": {
   "axisCustom": 0,
   "axisStandard": 0,
   "contextCount": 1,
   "dts": {
    "definitionLink": {
     "remote": [
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-eedm-def-2020-01-31.xml",
      "http://xbrl.fasb.org/srt/2020/elts/srt-eedm1-def-2020-01-31.xml"
     ]
    },
    "inline": {
     "local": [
      "re-20210208.htm"
     ]
    },
    "labelLink": {
     "local": [
      "re-20210208_lab.xml"
     ],
     "remote": [
      "https://xbrl.sec.gov/dei/2020/dei-doc-2020-01-31.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "re-20210208_pre.xml"
     ]
    },
    "referenceLink": {
     "remote": [
      "https://xbrl.sec.gov/dei/2020/dei-ref-2020-01-31.xml"
     ]
    },
    "schema": {
     "local": [
      "re-20210208.xsd"
     ],
     "remote": [
      "https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd",
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd",
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-roles-2020-01-31.xsd",
      "http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://xbrl.fasb.org/srt/2020/elts/srt-types-2020-01-31.xsd",
      "http://xbrl.fasb.org/srt/2020/elts/srt-roles-2020-01-31.xsd",
      "https://xbrl.sec.gov/country/2020/country-2020-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-types-2020-01-31.xsd",
      "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd"
     ]
    }
   },
   "elementCount": 38,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2020-01-31": 2,
    "total": 2
   },
   "keyCustom": 0,
   "keyStandard": 96,
   "memberCustom": 0,
   "memberStandard": 0,
   "nsprefix": "re",
   "nsuri": "http://www.everestre.com/20210208",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "div",
       "div",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "re-20210208.htm",
      "contextRef": "FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "000090 - Document - Document And Entity Information",
     "role": "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation",
     "shortName": "Document And Entity Information",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "div",
       "div",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "re-20210208.htm",
      "contextRef": "FROM_Feb08_2021_TO_Feb08_2021_Entity_0001095073",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 0,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CountryRegion": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Region code of country",
        "label": "Country Region"
       }
      }
     },
     "localname": "CountryRegion",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "xbrltype": "stringItemType"
    },
    "dei_CurrentFiscalYearEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "End date of current fiscal year in the format --MM-DD.",
        "label": "Current Fiscal Year End Date"
       }
      }
     },
     "localname": "CurrentFiscalYearEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "gMonthDayItemType"
    },
    "dei_DocumentFiscalPeriodFocus": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Fiscal period values are FY, Q1, Q2, and Q3.  1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY.",
        "label": "Document Fiscal Period Focus"
       }
      }
     },
     "localname": "DocumentFiscalPeriodFocus",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "fiscalPeriodItemType"
    },
    "dei_DocumentFiscalYearFocus": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.",
        "label": "Document Fiscal Year Focus"
       }
      }
     },
     "localname": "DocumentFiscalYearFocus",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "gYearItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.",
        "label": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentQuarterlyReport": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true only for a form used as an quarterly report.",
        "label": "Document Quarterly Report"
       }
      }
     },
     "localname": "DocumentQuarterlyReport",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_DocumentTransitionReport": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true only for a form used as a transition report.",
        "label": "Document Transition Report"
       }
      }
     },
     "localname": "DocumentTransitionReport",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address Address Line 1"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressAddressLine2": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 2 such as Street or Suite number",
        "label": "Entity Address Address Line 2"
       }
      }
     },
     "localname": "EntityAddressAddressLine2",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressAddressLine3": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 3 such as an Office Park",
        "label": "Entity Address Address Line 3"
       }
      }
     },
     "localname": "EntityAddressAddressLine3",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address City Or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCountry": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "ISO 3166-1 alpha-2 country code.",
        "label": "Entity Address Country"
       }
      }
     },
     "localname": "EntityAddressCountry",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "countryCodeItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r7"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityCommonStockSharesOutstanding": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.",
        "label": "Entity Common Stock, Shares Outstanding"
       }
      }
     },
     "localname": "EntityCommonStockSharesOutstanding",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "sharesItemType"
    },
    "dei_EntityCurrentReportingStatus": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate 'Yes' or 'No' whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.",
        "label": "Entity Current Reporting Status"
       }
      }
     },
     "localname": "EntityCurrentReportingStatus",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "yesNoItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r7"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityFilerCategory": {
     "auth_ref": [
      "r7"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate whether the registrant is one of the following: Large Accelerated Filer, Accelerated Filer, Non-accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.",
        "label": "Entity Filer Category"
       }
      }
     },
     "localname": "EntityFilerCategory",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "filerCategoryItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation State Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityInteractiveDataCurrent": {
     "auth_ref": [
      "r8"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).",
        "label": "Entity Interactive Data Current"
       }
      }
     },
     "localname": "EntityInteractiveDataCurrent",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "yesNoItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r7"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityShellCompany": {
     "auth_ref": [
      "r7"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act.",
        "label": "Entity Shell Company"
       }
      }
     },
     "localname": "EntityShellCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntitySmallBusiness": {
     "auth_ref": [
      "r7"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicates that the company is a Smaller Reporting Company (SRC).",
        "label": "Entity Small Business"
       }
      }
     },
     "localname": "EntitySmallBusiness",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r7"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre Commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre Commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Security 12b Title"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r9"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.everestre.com/2011-06-30/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r5": {
   "Name": "Form 10-Q",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "308",
   "Subsection": "a"
  },
  "r6": {
   "Name": "Forms 10-K, 10-Q, 20-F",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13",
   "Subsection": "a-1"
  },
  "r7": {
   "Name": "Regulation 12B",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r8": {
   "Name": "Regulation S-T",
   "Number": "232",
   "Publisher": "SEC",
   "Section": "405"
  },
  "r9": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>15
<FILENAME>0001095073-21-000004-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001095073-21-000004-xbrl.zip
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MPE'"!U_+(),<,O:'6]\%=)A_LU^ZK]@Y2D $'^"BCP+.],K3]'FW?,V?O/5
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M%"$32@%#PF=D2@7@ &:A0)G689T+Y?$:SM=(/X.VI4#/#W-ICF$:Z1<@9J-
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MCM&G:MWLXDII8*,?*]7_+ILE@"PE'G:TSTK)HKM4FO3=R%>I-M*B@;=H9!E
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M$:]&RM+NK'Y0E_K;W\XO@+%(,J!RS*7(^PJI]]OJIC[<[**JW*YG7 !.'2+
M</!V,)VLD>4G-&:%C'D. -7) *"Z]B@+$YW<($KB@N=QF@'XNS+ J>^V8&$
MB!I$\UCF)!8$DC3 I6V/=IK"DF:Q\NT580!/2A:!EM+:A))W)%O@<5W&V]1K
M=J 1 /50Y2J11ZC<D3ZE:DM!6+%9&JA9GI$D&XW+0)%PJ?82  V;!?O<W$0I
M&RE*3F,N!43QX< .W1W!0!DESV("(<!F!'%NL49@'G?1/9#0@%W- L#U.S2R
M-B9MF%%>1]<1LZW4W1&5NM)25Q'OHLTZNJK_4*S=E/O#5C?Q[*J%_DT-P6UD
M 4#[W5Z71G0\,D:R."^ HYT%P.JW2DFI.>$D;3%D  #B+  _?P#N'%':1]'.
M2)QQ", U8X$;3G)S>LM($9(N '?0V4^,B([2N_VU;A:Y+M=/]]7-[69;;K]&
M]<UM66^US9R]O4)C2J[B"V.0R<#GF8AY >H@.!S,3/S'D2*D@] 03A+=/@Q(
M1U-U>@I0O% K:JJ=45/M#P.[ST*GP]NWY<B3BI>4CH%H(Q.!*N999@ [CA3S
M-"X8 #*:!<SL B[+D2"5A?(Q 2C)+ !*$K@L#8JIB(L4\/.R $1(Y[)43DX7
MW7S<Z#WTL(T5&E3>V5@#3R1G,8/<SBPTLKRSL0:*F=K)'%STT&2,O;$&@E3J
M@2Z03Q30K@]M+&-119RFT%8.:)AV-Y:4EL6Z'UH^RT)UJOR-$9-X9.",*QM-
M0!L=T%L*;:.!).?ZT@,(!G3 =4O,C,!P)*BC7RAX"&CP:C<1)>:M;JQI+&4*
M+6E )Y6[B7)F6:=M];E:'T#W)6">:Y<>I*8)&@C36-E;9?JA$QKP@-9E":T3
M:M"DA,<I:/B"7XX8-^W00+.(19''A$!V(33*EJD Y<QCRDA,H($8>1J<_#;F
M7Y ^E?'RS8O7OUY$^L7E_#_?G[^] #-K.0ETW2SBK ]_7Z^5^ZVBP*B]2!N4
M"/W;J%S^]Z'+='3FT;>9CR74:1]VQ0E P0?.QB@0B8M,QAF4 <L#0.^!LV'2
MY&D69Y KE@>@W -G8Z0I8Z$'QS# P.8!J/; V1AI\KB@5(46@).;!XQZ<[>G
MZ+,E>O!HO=. )7%TN=W\7FW+3U4<[<L_NKUZ54&6-V>HSM_(CR!,V4 @JLA9
ML/-GYN!&BEQIF5+ ZN8LU!K9.VN@2.(\8S&%YH+E/-3_LW>603-+69R!<G)$
M#Y#+W/( 36C<N78. I8#N ]V(*V=./!/J(A9!DPNRT.?:._LQ)$BR=7Y!^*0
M/&!:'!"'C!0%(>HVABQ<P'PX( X9*7+>I$X@BH@N),_%8-^V.DNVKX;-!Y$.
M?E PDZPC<;6Z!32)(@^8[@U$( ;!-&;0G- \ *>^VT!YD@J7(%>>'(%NJP"8
MZ&[_%*"$C,8%-&,E#\"&=;:/SF'WWMN^VE:[?=S>@_I"O-RH7]25>:BBQ6:W
MU]4+VWW]OUL\D6Z30?R%JMS:8R.'*F;(.72"0Y^F]9P;9LVY:0DJ/XQ"OE\6
MZCY;6VRDQV3,0*.8!SI$]A8S"))8%B#!T-2UN<6(G8);K,KZIMU@1PQ5:&!O
M^_0C#S36[X)@?BC/ _5J^_0C364;"YV3@JQ'$>KK6I[72+.(4Z)C>R!)DP=4
MI@*>UTA3OW[26,4,+LTB1?2\FO&;K=&R"@E_/'_U[L-Y]/'%?YX#U8U%BNH^
MC4P0HG/GP$(7H4&^[3Z-%*FBF$+CF0N"ZCZ-%$4NX(*!@@1790A01A*GA7(2
MH:Q?01 =*)&E72'WZS:%JR?P]9?;V66UKJ[J/9 (+$*?T>]<<P,;0L#AOXJ7
M4:^Y@2").>2Z%135DQKI9<J3@N+^@J)Z4B/!O(@%% X6 </BG'TD4]Z1>WO^
M\;X*YR+X-=JR12/M)Y+%,@6<EB+T-9I+:>P>@Z(>^BPA5[P(C5<%,\=,&R2%
M<@6) *4,3E>EL)1'IM$7P06NUC"BO"/99A642;K=5M?*&M6?*WL>:-R\9NKA
M/N4?0):W"'W2,Q_HI6C!!W];#Z^GY:UB;%&WT<#9LAK_]'UT]N=_'#;[Y[]]
M>''VT_?M[[_7!1M&A4:YK7<Z4^+R'1K?6'PK(]#VR"P5X0[[L(7+ARBC1BY2
M]G.E\BQF&>0@!$<N&3/*-D:"9S17!P1Z$BS"@Q?30QA)<LIB2H!$7Q$>O9AN
MM4%1U\0RD&)H$;BY@XH6R_!#I0*7W:Z^:B:&:-SF\55#PQ0/YZ)[_3AKJ@HT
MD/)B=5BJOZ_7S7D%N WUH QN,V6QVOU^S^C@(O0=TWZ-ED7>;STB)^::%Z%O
MF'8)ED$R5_XW RD&Q[%FX9U!D<4\DR!%U$(L<UE5Y$I@(0-/M'(+Q_U#[1?I
MUH)/F.[6I 8TM1TQQC1-@UTDTQB/@BGW$[)3BF!P,9=IC$>"9TP_L %SJQ5)
MU'*ND217 6(&./6*(FHYET$Q9W%.W&!-=\X@FC?1OW2_ZB9%-D_.Z\77:+\M
MU[O57=/LII9HBEMH/+*D K<">&%0! -S'W8.?"1(BY@RUZU0!$/C8RMR&PGF
M.D$)21A<;FQ%;B-!728"W/ T#8V?K$U5]$^'/[;1?J1LF-I$B_U!6;JN:%#?
MYOUEVDTEF#9=H4^;/,T3.C14COR="74' %>KHHCJ2!H4U;4C"@*2# Z>S;O5
M1\C0SDW[;O42,K3 U]QG.2%>GJ3US-*.^FV]R>_;<IK!HP38#<WLFNPJV]Z[
MDM$XU&K*HU3$@]N(B='^IBZ3SO4A<2;==)&B%YJ L_)A%KT<HA?ZE&G7-H[T
ME%%-(1L7^I(I*0?E$S$7[J./HA=X:YA^9,Z9X45>FG9UMC4-S6/8UK3G3+GP
M.<^@?1R<!;!LZ4"/I'&> @Z\(AB::)7$W%@=09E#KD%H^&\7S ["Z:>?')(M
M1\R-Y<)^2=S,R9!!O 5?TV82=N2.4#9QI$-#_3M;:Z!X1O*84*!>69%$S?>,
M)$4JXXR[676:ACYIVB'&2)$7:9RE[AN4BN80"P;SHG^!FH-9HG@(]!18(<S;
M;^#B"5%>=P&D]!7)T O72NF;) O]8@*$CR2X;-EJ_#9)QFG3:@9$%R3T4=-.
MZEM$19K&) ..*@E];;.@@&C6)?7/7WQX^_KMSQ?1^_,/&A3GUW=OHXM?7GPX
M=Q/XE(36P2IC8: 1]4\9/^K9BA"UT/2'Y;Z-])Z01$"'-KC*U7+?#'KJ'$%;
M-[C&U0J*3?EHDD/',[C U0J*#8)4EWQ ! .]?VN_*)^B)?=3K7\><,Q(.&Z0
M-.[/D>+$A@DN1LTSXUX9R:G]XE:L4!)<B6JY^X9TZCX%P@L27(=JN?LC/;U;
M( ,74(7:_-=CL[$RV0WF\DP.3\T1:WY]P*"F<:?\:U!3!_5(4_V.!6!<*L4-
M6(]$R)-@L1<3^)H6[>PT./ 3M(6DWXRV)3?CWT[N1Z9MR<V+T^ &^\C]R+0M
MN07Y=OI^9-J6W)G,OYF^'YFV+7<NOIW<CTO;DKO@Y)O)_<BT;;G%M]OG)Z,-
MSUGD@ANTLU/MM2;_ TE.PJGWSO#IAG ?1:FF)*!X$*(\#Z5:D7]XCL$@[X52
M70#4<<'!9Z%4*^J(72Z/AU*M^$8L6\9%J?[QQ9L7;U^>1Q>_G)]_='LP* G&
M!Z$6YB_O.YF.8OXJLIC UF/6O4?]U;U,%L#O! YPN8T^EZM#-2("0YGD4!A1
M7I@9^Y%=C9CKJ5OU@7MQHQ6CH1FUPD(1-A@E!2JCH7"E/,L-Q%R2=:#/1_!R
M%4U$"'PRI*Q?7%RH@P4DBRGF&X@>H=N569D(>[KV[VE4?B[K57FYJIJ7VUVY
MJN*HW*M_L_V]VG?[&V O>%,3(QDZ,OB$IG'*=1(?>-*FP<\5A9GS-:@2&>>4
MQP70]T I0<S;4];>86==58B&+=OL]L\B?9KCZ DI8DI%G,K\>:3/C?XK&?.,
MQ6K%XFAQ%Y6S_T& Z\#;T.):&>:V;/KL28M1.7 '/5)23$ :*LGLS7M5UMO)
MK1L*]6+CEX_LN3B.BE9H^3 U6V9&6D)M5^"MEH:V7%D+G_70!^?_.-AXG/<O
M<F@%H4@MW.&!%:+. HTI@X0/??&2^OTB<VD6R@GA GBAH0P31+WHD0(NKI5I
M>+JOMC<&J/0N.K,-14R8LA/Y:"<XX;%D0).(XC/4;MK:&#C53"BK">#!4!K^
M7&9IHQB!&WB<I9#^,=%@&+$13%M%Z#:IW:YRE$&;[FR1D]%HQYEDL6!0%2(-
M;J2SU#&R.K !T0SNI,M-(+:!YB H0!-S- >C_3R0E^7N&B(6:M;3PES4@5R>
MDE@"S8F*8G!OB+G#38IYG((63B"VAC#>NKUM[95I:'3XLX 7.;0U4B?JF0$K
MVCUI"MV)J6MV(9*A5CVU("A[DJER8W)=+P*11#3K3 Z^_F*Q/32-8_<-"E <
MA%;\VYMYX(%P$C, +(/2X"Y->S./%+5K#5-$K,AA>>_*#_- MM6BJC\WOB%
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M) ]JE4,OT=$:!Q&,<V_5. PTCU4XB/3A+B#46V[C6_58NKX*0L:W(F/ ^R^
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MHM\UML(&3L^(2.-,@.<L #IC2F&9\;(_,J%?N:%.$Q$P@MU#71D]KJ[Z*&"
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M'ZQ/Q_Z")NB6/J'[:.&&^;6L+9CF(**@^,7_+SW%NF+JR^?\ER?J/\[3YDV
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M2 +\CVK,H2 _V"M@1&J<\U]02P,$%     @ J(Q(4E&=[W-9$0  \,T  !,
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MV5H_*"[%JW,MWE=MBH*E>0U2Y&M\C\-%V5-F2XT8MS2MMIM6>JFW_&U:6DB
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M+FAT;5!+ 0(4 Q0    ( *B,2%*\Y(X#OQ<  %6,   /              "
M 8)=  !R92TR,#(Q,#(P."YH=&U02P$"% ,4    " "HC$A23+ $BX4"  "Y
M"   #P              @ %N=0  <F4M,C R,3 R,#@N>'-D4$L! A0#%
M  @ J(Q(4E&=[W-9$0  \,T  !,              ( !('@  ')E+3(P,C$P
M,C X7VQA8BYX;6Q02P$"% ,4    " "HC$A2I??3#LH&  #=4@  $P
M        @ &JB0  <F4M,C R,3 R,#A?<')E+GAM;%!+!08     !0 % #,!
(  "ED      !

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
