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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 11-K
(Mark One)
- ý
- Annual
report pursuant to Section 15(d) of the Securities Exchange Act of 1934
- For
the fiscal year ended December 31, 2002
OR
- Transition
report pursuant to Section 15(d) of the Securities Exchange Act of 1934
- For
the transition period from to
Commission
file number 1-8993
- A.
- Full
title of the plan and the address of the plan, if different from that of the issuer named below:
FOLKSAMERICA HOLDING COMPANY
401(K) SAVINGS AND INVESTMENT PLAN
- B.
- Name
of issuer of the securities held pursuant to the plan and the address of its principal executive office:
WHITE MOUNTAINS INSURANCE GROUP, LTD.
80 South Main Street
Hanover, New Hampshire 03755
(603) 640-2200
Explanatory Note
This Annual Report on Form 11-K is being filed so that it may be incorporated by reference into a Registration Statement on
Form S-8 which White Mountains Insurance Group, Ltd. is filing with respect Common Shares, $1.00 par value per share, of White Mountains Insurance Group, Ltd. issuable
under the Plan.
INFORMATION FILED
The following financial statements and exhibit are filed with, and included in, this Report:
- A.
- Financial
statements for the Plan consisting of:
- 1.
- Report
of Independent Accountants;
- 2.
- Statements
of Net Assets Available for Plan Benefits as of December 31, 2002 and 2001;
- 3.
- Statements
of Changes in Net Assets Available for Plan Benefits for the years ended December 31, 2002 and 2001;
- 4.
- Notes
to Financial Statements;
- 5.
- Schedule
of Assets Held at End of Year as of December 31, 2002; and
- B.
- Consent
of Independent Accountants
- C.
- Certifications
pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
SIGNATURES
The Plan. Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who
administer the employee benefit plan) have duly caused this annual report to be signed on its behalf by the undersigned, thereunto duly authorized.
| |
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Folksamerica Holding Company
401(k) Savings and Investment Plan (the "Plan") |
Date: June 27, 2003 |
|
By: |
|
/s/ STEVEN E. FASS
Name: Steven E. Fass
Title: President and Chief Executive Officer
Folksamerica Holding Company Inc. |
|
|
By: |
|
/s/ THERESA KRESS
Name: Theresa Kress
Title: Vice President, Human Resources
Folksamerica Holding Company Inc. |
EXHIBIT INDEX
Exhibit
Number Description
- 99(a)
- Financial
statements for the Plan consisting of:
- 1.
- Report
of Independent Accountants;
- 2.
- Statement
of Net Assets Available For Plan Benefits as of December 31, 2002 and 2001;
- 3.
- Statement
of Changes in Net Assets Available for Plan Benefits for the years ended December 31, 2002 and 2001;
- 4.
- Notes
to Financial Statements;
- 5.
- Schedule
of Assets Held at End of Year as of December 31, 2002; and
- 99(b)
- Consent
of Independent Accountants
- 99(c)
- Certifications
pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
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Explanatory Note
INFORMATION FILED
SIGNATURES
EXHIBIT INDEX