Best's Rating Changes. (Ratings).This his summary of Best's Rating Best's rating A rating A.M. Best Co. assigns to insurance companies based on the company's ability to meet its obligations to its policyholders. Changes includes U.S.-domiciled life, health-care and property/casualty insurers as well as international insurers that had ratings assigned as·sign tr.v. as·signed, as·sign·ing, as·signs 1. To set apart for a particular purpose; designate: assigned a day for the inspection. 2. , changed or placed under review since this section last appeared in the August 2002 edition of Best's Review. Best's Rating Changes is an abbreviated version of Best's Rating Monitor, which is published in Best Week, our weekly insurance industry newsletter. See page 18 for the Current Guide to Best's Ratings or visit the A.M. Best Co. Web site at www.ambest.com/ratings/access.html for detailed rating definitions. The A.M. Best rating of any company and basic company information are also available free of charge at the Web site.
Ratings Changed
Rating Current
Action Company Name & Domicile AMB# Rating
Life
- Allmerica Financial Life Ins & Ann Co 08491 A-
US: Delaware
Alta Health & Life Insurance Company 06871 NR-3
US: Indiana
- Annuity & Life Reassurance America Inc 06281 A- u
US: Connecticut
- Bankers Life and Casualty Company 06149 B++ u
US: Illinois
- Conseco Annuity Assurance Company 06080 B++ u
Illinois
- Conseco Direct Life Insurance Company 06240 B++ u
US: Pennsylvania
- Conseco Health Insurance Company 08101 B++ u
Arizona
- Conseco Life Insurance Co of NY 60002 B++ u
US: New York
- Conseco Life Insurance Company 06692 B++ u
Indiana
- Conseco Medical Insurance Company 06516 B++ u
US: Illinois
- Conseco Senior Health Insurance Company 07910 B++ u
US: Pennsylvania
- First Allmerica Financial Life Ins Co 07086 A-
US: Massachusetts
- First Central National Life Ins Co of NY 08256 A+
US: New York
New First Columbine Life Insurance Company 060293 A+
US: Colorado
First Golden American Life Ins Co of NY 60213 NR-5
US: New York
+ Household Life Insurance Company 09129 A+
US: Michigan
- Life Insurance Company of Georgia 06643 A
US: Georgia
London Pacific Life & Annuity Company 07056 C++
US: North Carolina
London Pacific Life & Annuity Company 07056 NR-4
US: North Carolina
London Pacific Life & Annuity 07056 E
Company
US: North Carolina
Loyal Christian Benefit Association 09811 NR-4
US: Pennsylvania
Midland Life Insurance Company 06710 NR-5
US: Ohio
- Pioneer Life Insurance Company 06710 NR-5
US: Illinois
New Primerica Life Insurance 06984 B++ u
Company
Canada: Ontario
- Washington National Insurance 07218 B++ u
Company of CN
US: Illinois
Health Care
AECC Total Vision Health Plan
of Texas 64512 B- pd
US: Texas
+ Altius Health Plans 08616 C- pd
US: Utah
Atlantis Health Plan 64705 E
US: New York
- AvMed Inc 64074 C pd
US: Florida
+ Beacon Health Plans Inc 64113 C- pd
US: Florida
Capital Community Health Plan 64613 C- pd
US: District of Columbia
- Colorado Access 64310 C+ pd
US: Colorado
- Columbia United Providers Inc 64106 B- pd
US: Washington
- Community Care Behavioral
Health 64549 C++ pd
US: Pennsylvania
Community Health Plan of
Washington 64472 B pd
US: Washington
- Community Health Pln of
Rockies Inc 64311 C+ pd
US: Colorado
- Contra Costa Health Plan 64085 C+ pd
US: California
Coventry Health Care of the
Carolinas 68951 NR-3
US: North Carolina
Cox Health System HMO 64421 C++ pd
US: Missouri
- Dean Health Plan Inc 64203 B- pd
US: Wisconsin
- Delmarva Health Plan Inc 68756 C++ pd
US: Maryland
DentiCare Inc 64522 B pd
US: Texas
Driscoll Children's Health
Plan 65419 B- pd
US: Texas
ECCA Managed Vision Care Inc 64517 B- pd
US: Texas
- First Medical Health Plan Inc 64452 C pd
US:Puerto Rico
FirstChoice HealthPlans of
Connecticut 60116 D pd
US: Connecticut
Foundation Health a FL Health
Plan Inc 64102 C pd
US: Florida
George Washington University
Health Plan 68522 NR-3
US: District Of Columbia
- Harmony Health Plan of
Illionis Inc 64093 C++ pd
US: Illinois
+ HCC Life Insurance Company 09081 A+
US: Indiana
- Health Alliance Plan of
Michigan 68810 B++ pd
US: Michigan
- Health Partners of
Philadelphia Inc 64160 B- pd
US: Pennsylvania
HealthEase of Florida Inc 64647 C+ pd
US: Florida
+ Healthplan Southeast Inc 64108 C- pd
US: Florida
- HealthPlus of Michigan Inc 68555 B- pd
US: Michigan
- IHC Health Plans Inc 64078 B pd
US: Utah
+ Independent Health Association 64343 B- pd
US: New York
- IU Health Plan Inc 64386 C pd
US: Indiana
+ John Deere Health Plan Inc 68702 B+ pd
US: Illinois
+ Kapi'olani Health Hawaii 64432 C++ pd
US: Hawaii
- M D Individual Practice Association 68606 B pd
US: Maryland
+ Mayo Health Plan Inc 64609 C+ pd
US: Florida
McLaren Health Plan Inc 64616 B- pd
US: Michigan
- MDNY Healthcare Inc 64291 C+ pd
US: New York
+ Medica Health Plans 68559 B++ pd
US: Minnesota
Medica Health Plans of Wisconsin 64445 B pd
US: Minnesota
- Mercy Health Plans of Missouri Inc 64419 C++ pd
US: Missouri
+ Metropolitan Health Plan 68558 B- pd
US: Minnesota
National Pacific Dental Inc 68837 B- pd
US: Texas
+ Neighborhood Health Partnership Inc 64001 B- pd
US: Florida
+ Neighborhood Health Plans of RI Inc 64293 C++ pd
US: Rhode Island
- Ochsner Health Plan 68835 C+ pd
US: Louisiana
OhioHealth Group HMO Inc 64011 NR-3
US: Ohio
- OPTIMA Health Plan 68821 C++ pd
US: Virginia
- Optimum Choice Inc 68764 B pd
US: Maryland
Pearle Managed Care - HMO of Texas Inc 64516 B- pd
US: Texas
+ PHN-HMO Inc 64295 C- pd
US: Maryland
- PHP Insurance Plan Inc 64123 C+ pd
US: Wisconsin
- Physicians Healthcare Plans Inc 68979 C++ pd
US: Florida
+ PreferredOne Community Health Plan 64054 B+ pd
US: Minnesota
- Public Health Trust of Dade County 60183 C++ pd
US: Florida
- Rocky Mountain Health Maint Org Inc 64312 B- pd
US: Colorado
- Security Health Plan of Wisconsin Inc 64207 C++ pd
US: Wisconsin
Sentara Health Plans Inc 68940 B pd
US: Virginia
+ Seton Health Plan Inc 64252 C- pd
US: Texas
Sloans Lake Health Plan Inc 64313 NR-3
US: Colorado
+ Texas Children's Health Plan Inc 64244 C+ pd
US: Texas
Texas Universities Health Plan Inc 64463 C++ pd
US: Texas
- Touchpoint Health Plan Inc 68802 C+ pd
US: Wisconsin
- University Health Plans Inc 60157 C+ pd
US: New Jersey
- ValueOptions of Texas Inc 64514 C- pd
US: Texas
Vista Healthplan 64066 C- pd
US: Florida
Property/Casualty
Acceptance Insurance Companies 18003 NR-5
US: Nebraska
- Acceptance Insurance Company 02681 B+
US: Nebraska
American Horizon Insurance Company 12274 F
US: Illinois
- California Insurance Company 02637 A-
US: California
New CBIA Comp. Services, Inc. 75458 B+
US: Connecticut
New Citadel General Assurance Company 85726 B++
Canada: Ontario
Commercial Indemnity Insurance Company 11381 NR-4
US: Texas
Commercial Underwriters Insurance Co 11316 NR-5
US: California
New Commercial Underwriters Insurance Co 12525 A+
US: California
- Coregis Group 18246 A-
US: Indiana
- Coregis Insurance Company 01890 A-
US: Indiana
Employers Security Insurance Company 11404 NR-4
US: Indiana
- First Specialty Insurance Corporation 10783 A
US: Missouri
- Frontier Pacific Insurance Company 01716 F
US: California
- General Fidelity Insurance Company 00247 A-
US: California
New HCC Insurance Holdings Inc 18421 A+
US: Texas
Houston Casualty Group 18260 NR-5
US: Texas
+ Kemper Auto & Home Insurance Company 12212 A+ u
US: Illinois
+ Kemper Independence Insurance Company 12213 A+ u
US: Illinois
- Markham General Insurance Company 87772 F
Canada: Ontario
- Mitsui Marine and Fire Ins Co of Amer 00883 A+
US: New York
New Newmarket Underwriters Insurance Company 12526 A+
US: Massachusetts
Newmarket Underwriters Insurance Company 11990 NR-5
US: New Hampshire
- NIPPONKOA Insurance Company Ltd USB 03550 A
Japan
- NIPPONKOA Insurance Company of America 01909 A
US: New York
Rock River Insurance Company 00812 NR-5
US: Wisconsin
Sompo Japan Fire & Maxine Ins Co of Amer 02693 NR-5
Japan
- Sumitomo Marine & Fire Ins Co of Amer 04377 A+
US: New York
New Unique Compagnie d'Assurances Generales 87101 B++
Canada: Quebec
Universal Bonding Insurance Company 1771 NR-3
US: New Jersey
+ Wesco Insurance Company 02468 A+
US: Delaware
- Westport Insurance 02301 A
Corporation
US: Missouri
International
Alea Group Holding 86872 NR-3
Switzerland
- Annuity and Life 86698 A- u
Reassurance, Ltd
Bermuda
New Axis Re Ltd 83008 A-
Ireland
New Axis Specialty 83007 A-
Europe Limited
Ireland
New Catlin Insurance 84805 A
Company Limited
Bermuda
New Dao Heng Insurance 86939 A-
Co, Limited
Hong Kong
New Lloyd's Syndicate 1003 48206 A s
United Kingdom
New Lloyd's Syndicate 2003 48339 A s
United Kingdom
- Mitsui Sumitomo 84422 A+
Insurance Company Ltd
Japan
New Hampshire Insurance 87709 NR-5
Company UKB
United Kingdom
New India Assurance 87706 NR-5
Company Ltd UKB
United Kingdom
- NIPPONKOA Insurance 84413 A
Company Ltd
Japan
Nissan Fire & Marine 85136 NR-5
Insurance Co, Ltd
Japan
- Sompo Japan Insurance 85258 A+
Company, Limited
Japan
New Trust International 86326 B+
Ins Co E.C.
(Bahrain) Bahrain
- United Insurance Company 85099 A-
Cayman Islands
Rating Previous
Action Company Name & Domicile Rating
Life
- Allmerica Financial Life Ins & Ann Co A
US: Delaware
Alta Health & Life Insurance Company A
US: Indiana
- Annuity & Life Reassurance America Inc A u
US: Connecticut
- Bankers Life and Casualty Company A- u
US: Illinois
- Conseco Annuity Assurance Company A- u
Illinois
- Conseco Direct Life Insurance Company A- u
US: Pennsylvania
- Conseco Health Insurance Company A- u
Arizona
- Conseco Life Insurance Co of NY A- u
US: New York
- Conseco Life Insurance Company A- u
Indiana
- Conseco Medical Insurance Company A- u
US: Illinois
- Conseco Senior Health Insurance Company A- u
US: Pennsylvania
- First Allmerica Financial Life Ins Co A
US: Massachusetts
- First Central National Life Ins Co of NY A
US: New York
New First Columbine Life Insurance Company NR-3
US: Colorado
First Golden American Life Ins Co of NY A+
US: New York
+ Household Life Insurance Company A
US: Michigan
- Life Insurance Company of Georgia A+
US: Georgia
London Pacific Life & Annuity Company B u
US: North Carolina
London Pacific Life & Annuity Company C++
US: North Carolina
London Pacific Life & Annuity NR-4
Company
US: North Carolina
Loyal Christian Benefit Association B+
US: Pennsylvania
Midland Life Insurance Company A
US: Ohio
- Pioneer Life Insurance Company A
US: Illinois
New Primerica Life Insurance A- u
Company
Canada: Ontario
- Washington National Insurance A- u
Company of CN
US: Illinois
Health Care
AECC Total Vision Health Plan
of Texas NR-5
US: Texas
+ Altius Health Plans D pd
US: Utah
Atlantis Health Plan NR-5
US: New York
- AvMed Inc C++ pd
US: Florida
+ Beacon Health Plans Inc D pd
US: Florida
Capital Community Health Plan D pd
US: District of Columbia
- Colorado Access C++ pd
US: Colorado
- Columbia United Providers Inc B pd
US: Washington
- Community Care Behavioral
Health B pd
US: Pennsylvania
Community Health Plan of
Washington NR-5
US: Washington
- Community Health Pln of
Rockies Inc C++ pd
US: Colorado
- Contra Costa Health Plan C++ pd
US: California
Coventry Health Care of the
Carolinas B- pd
US: North Carolina
Cox Health System HMO NR-5
US: Missouri
- Dean Health Plan Inc B pd
US: Wisconsin
- Delmarva Health Plan Inc B- pd
US: Maryland
DentiCare Inc NR-2
US: Texas
Driscoll Children's Health
Plan NR-5
US: Texas
ECCA Managed Vision Care Inc NR-5
US: Texas
- First Medical Health Plan Inc C+ pd
US:Puerto Rico
FirstChoice HealthPlans of
Connecticut NR-5
US: Connecticut
Foundation Health a FL Health
Plan Inc NR-3
US: Florida
George Washington University
Health Plan B pd
US: District Of Columbia
- Harmony Health Plan of
Illionis Inc B- pd
US: Illinois
+ HCC Life Insurance Company A
US: Indiana
- Health Alliance Plan of
Michigan A- pd
US: Michigan
- Health Partners of
Philadelphia Inc B pd
US: Pennsylvania
HealthEase of Florida Inc NR-5
US: Florida
+ Healthplan Southeast Inc D pd
US: Florida
- HealthPlus of Michigan Inc B pd
US: Michigan
- IHC Health Plans Inc B+ pd
US: Utah
+ Independent Health Association C++ pd
US: New York
- IU Health Plan Inc B- pd
US: Indiana
+ John Deere Health Plan Inc B pd
US: Illinois
+ Kapi'olani Health Hawaii C+ pd
US: Hawaii
- M D Individual Practice Association B+ pd
US: Maryland
+ Mayo Health Plan Inc C pd
US: Florida
McLaren Health Plan Inc NR-5
US: Michigan
- MDNY Healthcare Inc C++ pd
US: New York
+ Medica Health Plans B+ pd
US: Minnesota
Medica Health Plans of Wisconsin NR-2
US: Minnesota
- Mercy Health Plans of Missouri Inc B- pd
US: Missouri
+ Metropolitan Health Plan C++ pd
US: Minnesota
National Pacific Dental Inc NR-5
US: Texas
+ Neighborhood Health Partnership Inc C++ pd
US: Florida
+ Neighborhood Health Plans of RI Inc C+ pd
US: Rhode Island
- Ochsner Health Plan C++ pd
US: Louisiana
OhioHealth Group HMO Inc C+ pd
US: Ohio
- OPTIMA Health Plan B- pd
US: Virginia
- Optimum Choice Inc B+ pd
US: Maryland
Pearle Managed Care - HMO of Texas Inc NR-5
US: Texas
+ PHN-HMO Inc D pd
US: Maryland
- PHP Insurance Plan Inc C++ pd
US: Wisconsin
- Physicians Healthcare Plans Inc B- pd
US: Florida
+ PreferredOne Community Health Plan B pd
US: Minnesota
- Public Health Trust of Dade County B- pd
US: Florida
- Rocky Mountain Health Maint Org Inc B pd
US: Colorado
- Security Health Plan of Wisconsin Inc B- pd
US: Wisconsin
Sentara Health Plans Inc NR-5
US: Virginia
+ Seton Health Plan Inc D pd
US: Texas
Sloans Lake Health Plan Inc B- pd
US: Colorado
+ Texas Children's Health Plan Inc C pd
US: Texas
Texas Universities Health Plan Inc NR-5
US: Texas
- Touchpoint Health Plan Inc B- pd
US: Wisconsin
- University Health Plans Inc C++ pd
US: New Jersey
- ValueOptions of Texas Inc C pd
US: Texas
Vista Healthplan NR-3
US: Florida
Property/Casualty
Acceptance Insurance Companies B++
US: Nebraska
- Acceptance Insurance Company B++
US: Nebraska
American Horizon Insurance Company NR-3
US: Illinois
- California Insurance Company A
US: California
New CBIA Comp. Services, Inc.
US: Connecticut
New Citadel General Assurance Company B+ q
Canada: Ontario
Commercial Indemnity Insurance Company C++
US: Texas
Commercial Underwriters Insurance Co A++ u
US: California
New Commercial Underwriters Insurance Co
US: California
- Coregis Group A
US: Indiana
- Coregis Insurance Company A
US: Indiana
Employers Security Insurance Company D
US: Indiana
- First Specialty Insurance Corporation A++
US: Missouri
- Frontier Pacific Insurance Company E
US: California
- General Fidelity Insurance Company A
US: California
New HCC Insurance Holdings Inc
US: Texas
Houston Casualty Group A+
US: Texas
+ Kemper Auto & Home Insurance Company A- u
US: Illinois
+ Kemper Independence Insurance Company A- u
US: Illinois
- Markham General Insurance Company E
Canada: Ontario
- Mitsui Marine and Fire Ins Co of Amer A++
US: New York
New Newmarket Underwriters Insurance Company
US: Massachusetts
Newmarket Underwriters Insurance Company A++ U
US: New Hampshire
- NIPPONKOA Insurance Company Ltd USB A+
Japan
- NIPPONKOA Insurance Company of America A+
US: New York
Rock River Insurance Company A+ u
US: Wisconsin
Sompo Japan Fire & Maxine Ins Co of Amer A u
Japan
- Sumitomo Marine & Fire Ins Co of Amer A++
US: New York
New Unique Compagnie d'Assurances Generales B+ q
Canada: Quebec
Universal Bonding Insurance Company A-
US: New Jersey
+ Wesco Insurance Company A
US: Delaware
- Westport Insurance A++
Corporation
US: Missouri
International
Alea Group Holding A-
Switzerland
- Annuity and Life A u
Reassurance, Ltd
Bermuda
New Axis Re Ltd
Ireland
New Axis Specialty
Europe Limited
Ireland
New Catlin Insurance
Company Limited
Bermuda
New Dao Heng Insurance
Co, Limited
Hong Kong
New Lloyd's Syndicate 1003
United Kingdom
New Lloyd's Syndicate 2003
United Kingdom
- Mitsui Sumitomo A++
Insurance Company Ltd
Japan
New Hampshire Insurance A++
Company UKB
United Kingdom
New India Assurance A
Company Ltd UKB
United Kingdom
- NIPPONKOA Insurance A+
Company Ltd
Japan
Nissan Fire & Marine A u
Insurance Co, Ltd
Japan
- Sompo Japan Insurance A++
Company, Limited
Japan
New Trust International NR-5
Ins Co E.C.
(Bahrain) Bahrain
- United Insurance Company A
Cayman Islands
Ratings Under Review
Rating Current Previous
Action Company Name & Domicile AMB# Rating Rating
Life
U Conseco Variable 06475 B++ u B++ u
Insurance Company
US: Texas
Health Care
U Lovelace Health Systems 68562 A u A
US: New Mexico
Property/Casualty
U State Farm General 02478 B+ u B+
Insurance Company
US: Illinois
U State Farm Lloyds 01767 B+ u B+
US: Texas
Rating Action: (+) or (-) Rating upgraded or downgraded; (NEW) Assigned
initial rating; (u) Rating placed under review
CURRENT GUIDE TO BEST'S RATINGS For a complete explanation of Best's Ratings, please refer to the Preface pref·ace n. 1. a. A preliminary statement or essay introducing a book that explains its scope, intention, or background and is usually written by the author. b. An introductory section, as of a speech. 2. of Best's insurance Reports[R] or Best's Key Rating Guide[R]. Best's Ratings reflect our independent opinion, but are not a warranty An assurance, promise, or guaranty by one party that a particular statement of fact is true and may be relied upon by the other party. Warranties are used in a variety of commercial situations. In many instances a business may voluntarily make a warranty. of a company's financial strength and ability to meet its obligations to policyholders. * For the latest Best's Ratings and Best's Company Reports (which include Best's Ratings) visit the A.M. Best Web site at www.ambest.com. You may also obtain Best's Company Reports by calling our Customer Service Department at (908) 439-2200, Ext. 5742. To expedite ex·pe·dite tr.v. ex·pe·dit·ed, ex·pe·dit·ing, ex·pe·dites 1. To speed up the progress of; accelerate. 2. your request, please provide the company's identification number (AMB AMB Ambient AMB Ambassador AMB Amber AMB Ambulance AMB Associação Médica Brasileira (Brazil) AMB Ambulatory AMB Advanced Memory Buffer (FBDIMM control unit on DRAM) #). * All rating actions are published in the Rating Monitor section of BestWeek[R]. Selected rating changes and new ratings are published in Best's Review[R] (our monthly magazine). BEST'S RATINGS A.M. Best ratings (A++ to F) are assigned to insurance companies that subscribe to Verb 1. subscribe to - receive or obtain regularly; "We take the Times every day" subscribe, take buy, purchase - obtain by purchase; acquire by means of a financial transaction; "The family purchased a new car"; "The conglomerate acquired a new company"; our interactive rating service. The Best's Rating represents an opinion based on a comprehensive quantitative quantitative /quan·ti·ta·tive/ (kwahn´ti-ta?tiv) 1. denoting or expressing a quantity. 2. relating to the proportionate quantities or to the amount of the constituents of a compound. and qualitative qualitative /qual·i·ta·tive/ (kwahl´i-ta?tiv) pertaining to quality. Cf. quantitative. qualitative pertaining to observations of a categorical nature, e.g. breed, sex. evaluation of a company's balance sheet strength, operating performance and business profile. Secure Best's Ratings A++ and A+ Superior A and A- Excellent B++ and B+ Very Good Vulnerable Bests's Ratings B and B- Fair C++ and C+ Marginal C and C- Weak D Poor E Under Regulatory Supervision F In Liquidation S Rating Suspended RATING MODIFIERS Under Review (u) Rating Modifiers are assigned to Best's Ratings to identify companies whose rating opinions are Under Review and may be subject to near-term near-term adj. Of, for, or involving a short period of time in the near future. change. Best's Public Data (pd) Rating Modifiers may be assigned to Health Maintenance Organizations (HMOs), Canadian Canadian (kənā`dēən), river, 906 mi (1,458 km) long, rising in NE New Mexico. and flowing E across N Texas and central Oklahoma into the Arkansas River in E Oklahoma. , UK and other European European emanating from or pertaining to Europe. European bat lyssavirus see lyssavirus. European beech tree fagussylvaticus. European blastomycosis see cryptococcosis. insurers that do not subscribe to our interactive rating process. Best's Public Data Ratings reflect both qualitative and quantitative analysis Quantitative Analysis A security analysis that uses financial information derived from company annual reports and income statements to evaluate an investment decision. Notes: using publicly available data and other public information. Syndicate Syndicate organized crime unit throughout major cities of the United States. [Am. Hist.: NCE, 2018] See : Gangsterism (s) Rating Modifiers are assigned to syndicates operating at Lloyd's Lloyd's, London insurance underwriting corporation of many separate syndicates; often called Lloyd's of London. Founded in the late 17th cent. by a group of merchants, shipowners, and insurance brokers at the coffeehouse of Edward Lloyd, the association is now .
Rating Modifiers
u Under Review
s Syndicate
pd Public Data
NOT RATED CATEGORIES (NR)
Companies not assigned a Best's Rating are assigned to one of five NR
categories which identifies the primary reason a rating opinion was not
assigned to the company. For additional information, refer to the
Preface.
NR-1 Insufficient Data
NR-2 Insufficient Size and/or
Operating Experience
NR-3 Rating Procedure Inapplicable
NR-4 Company Request
NR-5 Not Formally Followed
FINANCIAL SIZE CATEGORIES (FSC FSC See: Foreign Sales Corporation ) Assigned to all insurance companies and reflects their size based on their capital, surplus and conditional Subject to change; dependent upon or granted based on the occurrence of a future, uncertain event. A conditional payment is the payment of a debt or obligation contingent upon the performance of a certain specified act. reserve funds. For information, refer to the Preface. Best's Ratings are proprietary and may not be reproduced without permission. |
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