A.M. Best Affirms and Removes From Under Review the Ratings of GMAC Insurance Group.

OLDWICK, N.J. -- A.M. Best Co. has affirmed the financial strength rating (FSR) of A- (Excellent) and the issuer credit ratings (ICR) of "a-" of GMAC Insurance Group (GMACI) (Michigan) and removed the ratings from under review. Concurrently, A.M. Best has assigned an ICR of "bbb-" to GMAC Insurance Holdings, Inc. All ratings have been assigned a stable outlook.

The ratings reflect GMACI's excellent capitalization, consistently solid operating results, well-established market presence as one of the top 35 property/casualty insurers in the United States and its leading position as a provider of vehicle service contracts. The group has consistently generated capital through operating earnings, which is reflective of disciplined underwriting, an efficient expense structure and a steady stream of investment income.

In addition, the rating considers the group's diversification outside traditional General Motors (GM)-related businesses, particularly its well-established presence in the nonstandard automobile market through GMACI's personal lines business.

These positive rating factors are somewhat offset by the inherent challenges that remain at the parent following the recent change in control of GMACI's ultimate parent, GMAC LLC, of which GM now maintains minority ownership. Other offsetting factors are the continuing business relations with GM and the execution risk associated with the emerging business strategy.

The FSR of A- (Excellent) and the ICRs of "a-" have been affirmed for the following property/casualty affiliates of the GMAC Insurance Group:

* Motors Insurance Corporation

* CIM Insurance Corporation

* GMAC Direct Insurance Company

* GMAC Insurance Company Online, Inc.

* Integon Casualty Insurance Company

* Integon General Insurance Corporation

* Integon Indemnity Corporation

* Integon National Insurance Company

* Integon Preferred Insurance Company

* Integon Specialty Insurance Company

* MEEMIC Insurance Company

* MIC General Insurance Corporation

* MIC Property and Casualty Insurance Corporation

* National General Assurance Company

* National General Insurance Company

* New South Insurance Company

For Best's Ratings, an overview of the rating process and rating methodologies, please visit www.ambest.com/ratings.

A.M. Best Co., established in 1899, is the world's oldest and most authoritative insurance rating and information source. For more information, visit A.M. Best's Web site at www.ambest.com.