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XL Insurance Company Limited Appoints Dr. Gernot Klantschnig As Country Manager - Germany

London, England - September 13, 2004 - XL Insurance Company Limited ("XLICL"), part of XL Capital Ltd (NYSE:XL) ("XL"), today announced the appointment of Dr. Gernot Klantschnig as Country Manager for its German Branch. Dr. Klantschnig will take up his new position with effect from 1st March 2005.
Dr. Klantschnig will be responsible for leading the continued growth and development of XL's insurance business in Germany as one of the major providers of insurance solutions to German international and national corporations.
Mr. Clive Tobin, Chief Executive of XL's Insurance Operations, said: "Germany is a vital market for our insurance business. The appointment of Dr. Klantschnig underlines our commitment to both Germany and Continental Europe and our resolve to attract top insurance industry talent to XL. We are extremely pleased that someone with the experience of Dr. Klantschnig has agreed to join our organization."
Dr. Klantschnig has over 20 years experience in the industrial insurance industry. He has spent the past 16 years working in the risk management segment at Allianz where he has served as a member of the management board since 1999.
The ultimate parent company of XL Insurance Company Limited is XL Capital Ltd, which, through its operating subsidiaries, is a leading provider of insurance and reinsurance coverages and financial products to industrial, commercial, and professional service firms, insurance companies, and other enterprises on a worldwide basis. As of June 30, 2004, XL Capital Ltd had consolidated assets of approximately $45.5 billion and consolidated shareholders' equity of approximately $7.1 billion. More information about XL Capital Ltd is available at www.xlgroup.com.

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