WTM 8K 10.18.2012



UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

    
FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

October 18, 2012
Date of Report (Date of earliest event reported)


WHITE MOUNTAINS INSURANCE GROUP, LTD.
(Exact name of registrant as specified in its charter)


Bermuda
(State or other jurisdiction of
incorporation or organization)
1-8993
(Commission file number)
94-2708455
(I.R.S. Employer Identification No.)


80 South Main Street, Hanover, New Hampshire 03755
(Address of principal executive offices)

(603) 640-2200
(Registrant's telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))





ITEM 7.01 REGULATION FD DISCLOSURE.
On October 18, 2012, White Mountains Insurance Group, Ltd. (“White Mountains”) posted a letter to White Mountains' shareholders on its website from Chairman & CEO Ray Barrette. Mr. Barrette's letter is furnished herewith as Exhibit 99(a) and is incorporated by reference in its entirety.

ITEM 9.01.  FINANCIAL STATEMENTS AND EXHIBITS.
(d) Exhibits
99 (a) Letter to shareholders from White Mountains' Chairman & CEO Ray Barrette.

SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
WHITE MOUNTAINS INSURANCE GROUP, LTD.
DATED: October 18, 2012
By:
/s/ J. BRIAN PALMER
 
 
J. Brian Palmer
 
 
Vice President and
 
 
Chief Accounting Officer