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A.M. Best Rating

A. M. Best Rating: #VAR#

#VAR#

A. M. Best Rating Guide
A++
(Superior)
Assigned to companies that, in the opinion of A. M. Best, have a superior ability to meet their ongoing financial obligations to policyholders.
A+
(Superior)
Assigned to companies that, in the opinion of A. M. Best, have a superior ability to meet their ongoing financial obligations to policyholders.
A
(Excellent)
Assigned to companies that, in the opinion of A. M. Best, have an excellent ability to meet their ongoing financial obligations to policyholders.
A-
(Excellent)
Assigned to companies that, in the opinion of A. M. Best, have an excellent ability to meet their ongoing financial obligations to policyholders.
B++
(Very Good)
Assigned to companies that, in the opinion of A. M. Best, have a good ability to meet their ongoing financial obligations to policyholders.
B+
(Very Good)
Assigned to companies that, in the opinion of A. M. Best, have a good ability to meet their ongoing financial obligations to policyholders.
B
(Fair)
Assigned to companies that, in the opinion of A. M. Best, have a fair ability to meet their ongoing financial obligations to policyholders, but are financially vulnerable to adverse changes in underwriting and economic conditions.
B-
(Fair)
Assigned to companies that, in the opinion of A. M. Best, have a fair ability to meet their ongoing financial obligations to policyholders, but are financially vulnerable to adverse changes in underwriting and economic conditions.
C++
(Marginal)
Assigned to companies that, in the opinion of A. M. Best, have a marginal ability to meet their ongoing financial obligations to policyholders, but are financially vulnerable to adverse changes in underwriting and economic conditions.
C+
(Marginal)
Assigned to companies that, in the opinion of A. M. Best, have a marginal ability to meet their ongoing financial obligations to policyholders, but are financially vulnerable to adverse changes in underwriting and economic conditions.
C
(Weak)
Assigned to companies that, in the opinion of A. M. Best, have a weak ability to meet their ongoing financial obligations to policyholders, but are financially vulnerable to adverse changes in underwriting and economic conditions.
C-
(Weak)
Assigned to companies that, in the opinion of A. M. Best, have a weak ability to meet their ongoing financial obligations to policyholders, but are financially vulnerable to adverse changes in underwriting and economic conditions.
D
(Poor)
Assigned to companies that, in the opinion of A. M. Best, may not have an ability to meet their ongoing financial obligations to policyholders, and are financially extremely vulnerable to adverse changes in underwriting and economic conditions.
E
(Under Regulatory Supervision)
Assigned to companies (and possibly their subsidiaries and affiliates) that have been placed by an insurance regulatory authority under a significant form of supervision, control or restraint, whereby they are no longer allowed to conduct normal ongoing insurance operations. This would include conservatorship or rehabilitation, but does not include liquidation. It may also be assigned to companies issued cease and desist orders by regulators outside their home state or country.
F
(In Liquidation)
Assigned to companies that have been placed under an order of liquidation by a court of law, or whose owners have voluntarily agreed to liquidate the company. Note: Companies that voluntarily liquidate or dissolve their charters are generally not insolvent.
S
(Rating Suspended)
Assigned to companies that have experienced sudden and significant events affecting their balance sheet strength or operating performance, whereby the rating implications cannot be evaluated due to a lack of timely or adequate information.
NR-1 Not rated: Insufficient Data.
NR-2 Not rated: Insufficient Size and/or Operating Experience.
NR-3 Not rated: Rating Procedure Inapplicable.
NR-4 Not rated: Company Request.
NR-5 Not formally followed.

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