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, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person *   Commonwealth Annuity & Life Reinsurance Co Ltd 2. Date of Event Requiring Statement (Month/Day/Year) 10/30/2013 3. Issuer Name and Ticker or Trading Symbol Essent Group Ltd. [ESNT] (Last) (First) (Middle) VICTORIA PLACE, 5TH FL, 31 VICTORIA ST 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 Original Filed(Month/Day/Year) (Street) HAMILTON, D0 HM 10 6. Individual or Joint/Group Filing(Check Applicable Line) ___ Form filed by One Reporting Person _X_ Form filed by More than One Reporting Person (City) (State) (Zip) 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) Â

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.			SEC 1473 (7-02)
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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 of Derivative Security: 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

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
Commonwealth Annuity & Life Reinsurance Co Ltd VICTORIA PLACE, 5TH FL 31 VICTORIA ST HAMILTON, D0 HM 10	Â	  X	Â	Â
Commonwealth Re Midco VICTORIA PLACE, 5TH FL 31 VICTORIA ST HAMILTON, D0 HM 10	Â	  X	Â	Â
Global Atlantic Financial Life Ltd C/O ARIEL RE BDA LIMITED, VICTORIA PLACE 5TH FL, 31 VICTORIA ST HAMILTON, D0 HM 10	Â	  X	Â	Â
Global Atlantic Financial Group C/O ARIEL RE BDA LIMITED, VICTORIA PLACE 5TH FL, 31 VICTORIA ST HAMILTON, D0 HM 10	Â	  X	Â	Â

Signatures

Commonwealth Annuity and Life Reinsurance Company Limited: /s/ Janice Weidenborner, Senior Vice President and Assistant Secretary		10/30/2013
**Signature of Reporting Person		Date
Commonwealth Re Midco: /s/ April Galda, Senior Vice President		10/30/2013
**Signature of Reporting Person		Date
Global Atlantic Financial Life Limited: /s/ April Galda, Senior Vice President		10/30/2013
**Signature of Reporting Person		Date
Global Atlantic Financial Group: /s/ April Galda, Senior Vice President		10/30/2013
**Signature of Reporting Person		Date

Explanation of Responses:

*	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).
(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.

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