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 Date of Report (Date of earliest event reported): September 8, 1999 ------------------- XL CAPITAL LTD (Exact name of registrant as specified in its charter) Cayman Islands 1-10809 98-0191089 (State or other jurisdiction of (Commission File No.) (I.R.S. Employer incorporation or organization) Identification No.) Cumberland House, 1 Victoria Street, Hamilton, Bermuda HM 11 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: (441) 292-8515 ITEM 8. Change in Fiscal Year Attached hereto as Exhibit 99 is a press release issued by XL Capital Ltd (the "Company") on August 30, 1999 announcing the change of its fiscal year end from November 30 to December 31. The Company's quarterly reporting periods will end on March 31, June 30 and September 30. The Company will amend and re-file its 1998 Annual Report on Form 10-K to reflect this change in fiscal year end and file its Quarterly Report on Form 10-Q for the third quarter covering the period through September 30, 1999. Exhibit Description 99 Press release dated August 30, 1999 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 hereunto duly authorized. Dated: September 8, 1999 XL CAPITAL LTD By: /s/ Paul S. Giordano --------------------------------- Paul S. Giordano Senior Vice President, General Counsel and Secretary EXHIBIT INDEX Exhibit Description Press Release dated August 30, 1999