NEW YORK, NOVEMBER 1, 2004 – ACE Overseas General, part of the global ACE Group of Companies, announced today that it has appointed David Miller as Executive Vice President, International Accident & Health (A&H). Based in Philadelphia, Mr. Miller will lead the global A&H team and oversee the unit’s continued growth. Working closely with ACE Overseas General leaders worldwide, he will focus specifically on developing opportunities to expand ACE’s A&H distribution channels, maximize marketing efforts, and leverage best practices from region to region. Mr. Miller will report to Ed Clancy, President & Chief Operating Officer, ACE Overseas General. “David’s entrepreneurial management experience and his deep-rooted background in marketing will help us accelerate our A&H worldwide growth strategy,” said Mr. Clancy. “Accident & Health comprises a significant part of ACE’s total book of business, and David’s leadership and expertise will help us further develop this important business and contribute to our continued success in the market.” Prior to joining ACE, Mr. Miller held a number of senior executive positions in the insurance industry. He was founder and President of Kemper Auto and Home Insurance, a direct-to-consumer business that quickly became a market leader in sales via the Internet. Prior to Kemper, Mr. Miller served as Executive Vice President and Chief Operating Officer of Providian Direct Insurance, where he held significant roles in its auto, life and health businesses. Mr. Miller earned a bachelor of science degree in electrical engineering from Duke University and a master’s degree in business administration from the Wharton School, University of Pennsylvania. He also serves as Vice Chairman of the Board and Chair of the Program Committee at Philabundance, the largest non-profit in the greater Philadelphia region dedicated to feeding the hungry. # # # ACE Overseas General comprises the non-US insurance operations of The ACE Group of Companies, a global leader in insurance and reinsurance serving a diverse group of clients. Headed by ACE Limited (NYSE: ACE), a component of the Standard & Poor’s 500 stock index, The ACE Group conducts its business on a worldwide basis with operating subsidiaries in nearly 50 countries. Additional information can be found at www.acelimited.com.

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Media Contact:
John Herbkersman
(215) 640-5119
john.herbkersman@ace-ina.com