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HAMILTON, BERMUDA - October 28, 2004

Hamilton, Bermuda - October 28, 2004: XL Capital Ltd (NYSE:XL) announced that its subsidiary, X.L. America, Inc., received today a subpoena from the Office of the Attorney General of New York, in connection with an ongoing, industry-wide investigation of insurance sales practices. The Company intends to cooperate fully with the Attorney General's investigation. As a matter of prudence, the Company had previously commenced its own internal review of the issues raised in the Attorney General's recently announced complaint against Marsh & McLennan.# # #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.

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