Key Speakers At Standard & Poor's 29th Annual Insurance Conference [Getty Images]

Roger Ferguson, chief executive officer of TIAA-CREF, speaks at the Standard & Poor's 29th Annual Insurance Conference in New York, U.S., on Wednesday, June 5, 2013. Standard & Poor’s Ratings Services Annual Insurance Conference brings together company executives and investment/credit professionals to share perspectives and analysis of current trends and issues in the insurance industry. Photographer: Peter Foley/Bloomberg via Getty Images

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