Industry Ratings

A+ (Superior)
A.M. Best Company - more than 30 consecutive years for Company financial strength
Superior companies are defined by A.M. Best as having achieved superior overall performance when compared to Best's standards. These companies have a very strong ability to meet their policyholder and other contractual obligations over the long term. (as of 6/08)

AA- "Very Strong"
Standard & Poor's - financial strength
Very Strong companies are defined by Standard & Poor's as offering very strong financial security.  The capacity to meet policyholder obligations is strong for these companies under a variety of economic and underwriting conditions. (as of 11/07)

These ratings refer only to the overall financial strength of the company and are not a recommendation of the specific policy provisions, notes or practices of the insurance company.