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Evelyn R. Wolovnick Appointed Senior Vice President, Global Sales and Marketing of XL's Insurance Operations

 — Hamilton, Bermuda - July 21, 2004 - XL Capital Ltd (NYSE:XL) ("XL") today announced the appointment of Ms. Evelyn R. Wolovnick as Senior Vice President and Head of Global Sales and Marketing for its Insurance Operations.
In her newly created position, Ms. Wolovnick will be responsible for integrating global insurance sales and marketing, reporting to Mr. Dennis P. Kane, Chief Executive Officer of Regional Sales and Management.
Mr. Clive R. Tobin, Chief Executive of XL's Insurance Operations, commented: "I am thrilled that Evelyn has agreed to join XL. Her background, perspective and experience will greatly help our efforts to more fully integrate the marketing and sales of XL's broad array of specialty insurance products."
Mr. Kane said: "Evelyn's 32 years of industry experience will be invaluable as we leverage current client relationships and continue to expand our distribution channels. Her firsthand knowledge of insurance markets around the world will clearly support our efforts to capitalize on XL's global franchise."
Ms. Wolovnick began her career at Marsh & McLennan Companies, Inc., in 1972. She held numerous positions with that company including Senior Account Representative for the Property Department, Account Executive for the Risk Management Division, Deputy Manager - Continental Europe, Deputy Manager - International Specialty Operations and most recently, Managing Director of Marsh Israel Inc., where she oversaw the development of local capabilities in the region. Ms. Wolovnick holds a B.A. and M.A. with Honors at the State University of New York, Stony Brook.
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 March 31, 2004, XL Capital Ltd had consolidated assets of approximately $44 billion and consolidated shareholders' equity of approximately $7.4 billion. More information about XL Capital Ltd is available at www.xlgroup.com.

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