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

Date of Report (Date of earliest event reported) – July 28, 2003

ACE LIMITED

(Exact name of registrant as specified in its charter)

		98-0091805
Cayman Islands (State or other jurisdiction)	1-11778 (Commission File Number)	(I.R.S. Employer of Incorporation Identification No.)

ACE Global Headquarters

17 Woodbourne Avenue

Hamilton HM 08 Bermuda

(Address of principal executive offices)

Registrant’s telephone number, including area code: (441) 295-5200

Not applicable

(Former name or former address, if changed since last report)

Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.

(c) Exhibits

Exhibit Number	Description
99.1	Press release, dated July 28, 2003, reporting second quarter results
99.2	Second quarter Financial Supplement

Item 12. Results of Operations and Financial Condition.

On July 28, 2003, ACE Limited issued a press release reporting its second quarter 2003 results and the availability of its second quarter financial supplement. The press release and the financial supplement are attached hereto as Exhibit 99.1 and Exhibit 99.2, respectively, and are hereby incorporated herein by reference.

In accordance with general instructions B.2 and B.6 of Form 8-K, the information in this report, including exhibits, is furnished pursuant to Item 12 and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, or otherwise subject to the liability of that section.

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.

ACE LIMITED
By:	/S/    PHILIP V. BANCROFT
	Philip V. Bancroft Chief Financial Officer

DATE: July 28, 2003

EXHIBIT INDEX

Number	Description	Method of Filing
99.1	Press release, dated July 28, 2003, reporting second quarter results	Furnished herewith
99.2	Second quarter Financial Supplement	Furnished herewith