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XL Capital Ltd To Present At The Merrill Lynch Insurance Investor Conference

 — HAMILTON, BERMUDA (February 19, 2004) - XL Capital Ltd (NYSE: XL) announced today that Mr. Brian M. O'Hara, President and Chief Executive Officer of XL Capital Ltd, is scheduled to participate in the Merrill Lynch Insurance Investor Conference in New York on Monday, February 23, 2004 at 9:50 a.m. (EST).
A live webcast of Mr. O'Hara's presentation from 9:50 a.m. to 10:25 a.m. EST may be accessed by logging into http://www.wallstreetwebcasting.com/webcast/ml21/xl/. A replay of the presentation (and accompanying slides) will be archived on the Investor Information section of www.xlgroup.com following the live broadcast of his presentation and archived for approximately 14 days following the presentation.
XL Capital Ltd, through its operating subsidiaries, is a leading provider of insurance and reinsurance coverages and financial products and services to industrial, commercial and professional service firms, insurance companies, and other enterprises on a worldwide basis. As of December 31, 2003, XL Capital Ltd had consolidated assets of approximately $40.8 billion and consolidated shareholders' equity of approximately $6.9 billion. More information about XL Capital Ltd is available at www.xlgroup.com.

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