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ZURICH, Switzerland (AP) _ The Sept. 11 terrorist attacks and other manmade and natural disasters last year cost the world's insurance industry $34.4 billion to cover property and business losses, a major Swiss company said Wednesday.

The final insurance cost was $2.4 billion higher than a preliminary estimate made in December, said Swiss Reinsurance Ltd., which backs insurance companies against major claims. Swiss Re is the world's second-largest reinsurer.

Swiss Re said the total number of people killed in disasters during 2001 was unchanged at 33,000 from its preliminary report.

It said the total cost to the insurance industry for property losses and interruption of business as a result of the Sept. 11 attacks remained $19 billion.

It said liability and life insurance losses related to the attacks are additionally estimated at between $16.5 billion and $39 billion. More than 3,000 people died in the attacks.

The second-biggest property and business insurance loss last year was $3.2 billion, caused by the U.S. tropical storm Allison.

An earthquake in India and Pakistan was the biggest event in terms of casualties, leaving 15,500 people dead or missing.