SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL OMB Number: 3235-0104 Estimated average burden hours per response: 0.5

1. Name and Address of Reporting Person* Commonwealth Annuity & Life Reinsurance Co Ltd (Last) (First) (Middle) VICTORIA PLACE, 5TH FL 31 VICTORIA ST (Street) HAMILTON D0 HM 10 (City) (State) (Zip)	2. Date of Event Requiring Statement (Month/Day/Year) 10/30/2013	3. Issuer Name and Ticker or Trading Symbol Essent Group Ltd. [ ESNT ]
		4. Relationship of Reporting Person(s) to Issuer (Check all applicable) Director X 10% Owner Officer (give title below) Other (specify below)	5. If Amendment, Date of Original Filed (Month/Day/Year)
			6. Individual or Joint/Group Filing (Check Applicable Line) Form filed by One Reporting Person X Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Shares	7,548,863	D(1)

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

1. Name and Address of Reporting Person* Commonwealth Annuity & Life Reinsurance Co Ltd (Last) (First) (Middle) VICTORIA PLACE, 5TH FL 31 VICTORIA ST (Street) HAMILTON D0 HM 10 (City) (State) (Zip) Relationship of Reporting Person(s) to Issuer Director X 10% Owner Officer (give title below) Other (specify below)

1. Name and Address of Reporting Person* Commonwealth Re Midco (Last) (First) (Middle) VICTORIA PLACE, 5TH FL 31 VICTORIA ST (Street) HAMILTON D0 HM 10 (City) (State) (Zip) Relationship of Reporting Person(s) to Issuer Director X 10% Owner Officer (give title below) Other (specify below)

1. Name and Address of Reporting Person* Global Atlantic Financial Life Ltd (Last) (First) (Middle) C/O ARIEL RE BDA LIMITED, VICTORIA PLACE 5TH FL, 31 VICTORIA ST (Street) HAMILTON D0 HM 10 (City) (State) (Zip) Relationship of Reporting Person(s) to Issuer Director X 10% Owner Officer (give title below) Other (specify below)

1. Name and Address of Reporting Person* Global Atlantic Financial Group (Last) (First) (Middle) C/O ARIEL RE BDA LIMITED, VICTORIA PLACE 5TH FL, 31 VICTORIA ST (Street) HAMILTON D0 HM 10 (City) (State) (Zip) Relationship of Reporting Person(s) to Issuer Director X 10% Owner Officer (give title below) Other (specify below)

Explanation of Responses:

1. Shares held directly by Commonwealth Annuity and Life Reinsurance Company Limited ("CWA Re") and indirectly by each of the other reporting persons. CWA Re is a wholly owned subsidiary of Commonwealth Re Midco, which is a wholly owned subsidiary of Global Atlantic Financial Life Limited, which is a subsidiary of Global Atlantic Financial Group ("GAFG"). By virtue of these relationships, GAFG and certain other wholly owned intermediate holding companies may be deemed to beneficially own the shares held by CWA Re.

	Commonwealth Annuity and Life Reinsurance Company Limited: /s/ Janice Weidenborner, Senior Vice President and Assistant Secretary	10/30/2013
	Commonwealth Re Midco: /s/ April Galda, Senior Vice President	10/30/2013
	Global Atlantic Financial Life Limited: /s/ April Galda, Senior Vice President	10/30/2013
	Global Atlantic Financial Group: /s/ April Galda, Senior Vice President	10/30/2013
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.