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


<TABLE>
<CAPTION>
<S>                                                 <C> <C>
                                              July 22, 2003
---------------------------------------------------------------------------------------------------------
                                    (Date of earliest event reported)



                                     Marsh & McLennan Companies, Inc.
                 ------------------------------------------------------------------------
                          (Exact name of registrant as specified in its charter)




              Delaware                            1-5998                           36-2668272
---------------------------------------------------------------------------------------------------------
  (State or other jurisdiction           (Commission File Number)                (IRS Employer
        of incorporation)                                                      Identification No.)



1166 Avenue of the Americas, New York, NY                                            10036
---------------------------------------------------------------------------------------------------------
(Address of principal executive offices)                                           (Zip Code)



                                               (212) 345-5000
   ---------------------------------------------------------------------------------------------------
                            (Registrant's telephone number, including area code)




</TABLE>

<PAGE>





Item 7.  Financial Statements and Exhibits.

         (a) None.

         (b) None.

         (c) Exhibits

               99.1. Press Release dated July 22, 2003.

Item 9.  Regulation FD Disclosure.

     This information is being provided under new Item 12 of Form 8-K, "Results
of Operations and Financial Condition", pursuant to interim guidance provided by
the Securities and Exchange Commission.

     On July 22, 2003, Marsh & McLennan Companies, Inc. issued a press release
announcing its unaudited second quarter financial results for the quarter ended
June 30, 2003. A copy of the press release is attached to this Report as an
exhibit and is incorporated herein by reference. This information is to be
considered "filed" under the Securities Exchange Act of 1934, as amended.



<PAGE>





                                    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.

                                               MARSH & McLENNAN COMPANIES, INC.



                                               By:  /s/ Gregory F. Van Gundy
                                                    ----------------------------
                                                    Name:   Gregory F. Van Gundy
                                                    Title:  Secretary



Date:  July 23, 2003
       -------------


<PAGE>





Exhibit Index

Exhibit (99.1): Press release dated July 22, 2003.
[{"type": "8-K", "sequence": "1", "filename": "f8kjuly2003.txt", "description": "CURRENT REPORT - JULY 22, 2003", "secsgml_size_bytes": 3515}]
{"company-data": {"conformed-name": "MARSH & MCLENNAN COMPANIES INC", "cik": "0000062709", "assigned-sic": "6411", "irs-number": "362668272", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-05998", "film-number": "03797790"}, "business-address": {"street1": "1166 AVENUE OF THE AMERICAS", "city": "NEW YORK", "state": "NY", "zip": "10036", "phone": "2123455000"}, "mail-address": {"street1": "1166 AVENUE OF THE AMERICAS", "city": "NEW YORK", "state": "NY", "zip": "10036"}, "former-company": {"former-conformed-name": "MARLENNAN CORP", "date-changed": "19760505"}}
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
July 22, 2003
---------------------------------------------------------------------------------------------------------
                                    (Date of earliest event reported)

                                     Marsh & McLennan Companies, Inc.
                 ------------------------------------------------------------------------
                          (Exact name of registrant as specified in its charter)

              Delaware                            1-5998                           36-2668272
---------------------------------------------------------------------------------------------------------
  (State or other jurisdiction           (Commission File Number)                (IRS Employer
        of incorporation)                                                      Identification No.)

1166 Avenue of the Americas, New York, NY                                            10036
---------------------------------------------------------------------------------------------------------
(Address of principal executive offices)                                           (Zip Code)

                                               (212) 345-5000
   ---------------------------------------------------------------------------------------------------
                            (Registrant's telephone number, including area code)
Item 7.  Financial Statements and Exhibits.

         (a) None.

         (b) None.

         (c) Exhibits

               99.1. Press Release dated July 22, 2003.

Item 9.  Regulation FD Disclosure.

     This information is being provided under new Item 12 of Form 8-K, "Results
of Operations and Financial Condition", pursuant to interim guidance provided by
the Securities and Exchange Commission.

     On July 22, 2003, Marsh & McLennan Companies, Inc. issued a press release
announcing its unaudited second quarter financial results for the quarter ended
June 30, 2003. A copy of the press release is attached to this Report as an
exhibit and is incorporated herein by reference. This information is to be
considered "filed" under the Securities Exchange Act of 1934, as amended.
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.

                                               MARSH & McLENNAN COMPANIES, INC.

                                               By:  /s/ Gregory F. Van Gundy
                                                    ----------------------------
                                                    Name:   Gregory F. Van Gundy
                                                    Title:  Secretary

Date:  July 23, 2003
       -------------
Exhibit Index

Exhibit (99.1): Press release dated July 22, 2003.