Welcome to our annual Review & Outlook section, based on feedback from agents and brokers, insurers, wholesalers, associations, consultants and young insurance professionals (the next 14 pages contain discussion from four of these six categories; the rest are online along with the list of 2012 advertisers).

2012 has been an insanely eventful year for the property-casualty industry and the world in general. Between the relentless pound of politics and a spate of record-breaking natural disasters, it seemed as if our industry was constantly in the spotlight.

The good news is, the presidential election is over; the bad news is, the presidential election is over. Many businesses are concerned that we could be in for another 4 years of gridlock and are staying in retrenching mode.

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