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Best's Rating Changes. (Ratings).


This 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 December December: see month.  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 16 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

-       Allianz Life Insurance Co of NA           06830  A+
        US: Minnesota

-       American Life Insurance Co of NY          06084  B++
        US: New York

-       CIGNA Life Insurance Company              09144  Au
        US: Connecticut

-       CIGNA Life Insurance Company of New York  06538  Au
        US: New York

-       CIGNA Worldwide Insurance Company         08944  A- u
        US: Delaware

        CNA Life Insurance Co of Canada           66839  NR-3
        Canada: Ontario

New     Congress Life Insurance Company           07600  B++
        US: Arizona

-       Connecticut General Life Insurance Co     06266  A u
        US: Connecticut

+       Conseco Variable Insurance Company        06475  B++
        US: Texas

        General Life Insurance Company            08653  NR-5
        US: Texas

-       Investors Insurance Corporation           06583  A- u
        US: Delaware

-       Life Insurance Company of North America   06645  A u
        US: Pennsylvania

-       Old Standard Life Insurance Company       68103  B-
        US: Idaho

-       Old West Annuity & Life Insurance Co      07957  B-
        US: Arizona

-       Preferred Life Insurance Co of NY         09417  A+
        US: New York

-       Presidential Life Insurance Company       06948  B+
        US: New York

-       Republic-Vanguard Life Insurance Company  06996  A- u
        US: Texas

-       SCOR Life U.S. Re Insurance Company       06555  A- u
        US: Texas

        Templeton Funds Annuity Company           68026  NR-3
        US: Florida

-       Western United Life Assurance Company     08077  B-
        US: Washington

        Health Care

New     Asuris Northwest Health                   64414  A-
        US: Washington

+       Brokers National Life Assurance Company   B+     B
        US: Arkansas

        Colorado Dental Service Inc               64558  B++ pd
        US: Colorado

        Combined Underwriters Life Insurance Co   08947  NR-4
        US: Texas

        Delta Dental of Massachusetts             60193  A- pd
        US: Massachusetts

        Delta Dental Plan of Illinois             64487  B+ pd
        US: Illinois

        Delta Dental Plan of New Hampshire        64524  A- pd
        US: New Hampshire

New     HealthWise                                68604  A-
        US: Utah

        Lifeline Underwriters Life Insurance Co   09546  NR-4
        US: Texas

+       PacifiCare of Nevada Inc                  64219  B++
        US: Nevada

New     Regence BlueCross BlueShield of Utah      64412  A-
        US: Utah

New     Regence BlueShield                        60199  A-
        US: Washington

New     RegenceCare                               68633  A-
        US: Washington

-       Teachers Protective Mutual Life Ins Co    07114  B
        US: Pennsylvania

        Property/Casualty

+       AAA Texas County Mutual Insurance Co.     01758  A+
        US: Texas

-       Acceptance Insurance Company              02681  C-
        US: Nebraska

-       Alpha Property & Casualty Insurance Co    02634  A
        US: Wisconsin

-       American Growers Insurance Company        03754  C-
        US: Nebraska

-       American Growers Insurance Company        03754  E
        US: Nebraska

-       Aries Insurance Company Inc               12181  F
        us: Florida

-       Charter County Mutual Insurance Company   11055  A
        US: Texas

-       Charter Indemnity Company                 10419  A
        US: Texas

-       Chartwell Insurance Company               02567  C++ u
        US: Connecticut

+       Commerce Protective Insurance Company     11106  B++
        US: Pennsylvania

        Property/Casualty

-       Commercial Casualty Insurance Co of NC    11059  B+ u
        US: North Carolina

-       Commercial Risk Re-Insurance Company      11378  A- u
        US: Vermont

-       Connecticut Medical Insurance Company     10085  B++
        US: Connecticut

        Connecticut Specialty Insurance Company   01916  NR-5
        US: Connecticut

-       Dakota Specialty Insurance Company        11981  B- u
        US: North Dakota

-       Delta Insurance Services Group            18433  B+ u
        US: Georgia

-       Financial Indemnity Company               00391  A
        US: California

-       General Secur P & C Co                    03129  A- u
        US: New York

-       General Security Indemnity Co of Arizona  02837  A- u
        US: Arizona

-       General Security Indemnity Company        03845  A- u
        US: New York

-       General Security Insurance Company        11353  A- u
        US: New York

-       General Security National Insurance Co    02665  A- u
        US: New York

-       Georgia Mutual Insurance A Stock Company  04051  B+ u
        US: Georgia

+       Heritage Indemnity Company                02771  A-
        US: California

-       Insurance Corporation of New York         03500  B- u
        US: New York

-       Kemper Auto & Home Insurance Company      12212  A
        US: Illinois

-       Kemper Independence Insurance Company     12213  A
        US: Illinois

-       Milwaukee Casualty Insurance Company      03548  A
        US: Wisconsin

-       Milwaukee Mutual Insurance Company        00640  A
        US: Wisconsin

-       Milwaukee Safeguard Insurance Company     03289  A
        US: Wisconsin

+       NAMIC Insurance Company, Inc              10961  A
        US: Indiana

-       Oak Casualty Insurance Company            10626  F
        US: Illinois

New     Risk Management Assoc of the Residen Con  74053  A-
        US: Illinois

-       SCOR Canada Reinsurance Company           85445  A- u
        Canada: Ontario

-       SCOR Reinsurance Company                  03599  A- u
        US: New York

-       SCOR U S Group                            03873  A- u
        US: New York

-       Security National Insurance Company       02522  A
        US: Texas

-       Sterling Casualty Insurance Company       01720  D
        US: California

-       Trenwick America Reinsurance Corporation  03747  B- u
        US: Connecticut

-       Trinity Lloyds Insurance Company          03569  A
        US: Texas

-       Trinity Universal Ins Co of KS, Inc       04778  A
        US: Kansas

-       Trinity Universal Insurance Company       02523  A
        US: Texas

-       Union National Fire Insurance Company     03199  A
        US: Louisiana

New     United National Casualty Ins Co           12537  A+
        US: Indiana

-       Unitrin Direct Insurance Company          11762  A
        US: Illinois

-       Unitrin P & C Insurance Grp               00914  A
        US: Texas

-       Utica First Insurance Company             00944  B++ u
        US: New York

-       Valley Insurance Company                  01873  A
        US: California

-       Valley Property & Casualty Insurance Co   11979  A
        US: Oregon

+       Western National Assurance Company        02536  B++
        US: Washington

+       Western National Mutual Group             03943  B++
        US: Minnesota

+       Western National Mutual Insurance Co      00658  B++
        US: Minnesota

New     Western Underwriters Insurance Company    12252  A-
        US: California

        International

        Abbey National Life plc                   87204  NR-5
        United Kingdom

-       Commercial Risk Reinsurance Company Ltd   86514  A- u
        Bermuda

+       Halifax Life Limited                      87377  A- pd
        United Kingdom

+       HSBC Life (UK) Limited                    87461  B++ pd
        United Kingdom

-       LaSalle Re Limited                        86314  B- u
        Bermuda

New     Lloyd's Syndicate 958                     48180  A s
        United Kingdom

New     Platinum Re (UK) Limited                  84987  A
        United Kingdom

New     Platinum Underwriters Bermuda, Ltd        84985  A
        Bermuda

New     Platinum Underwriters Group               84982  A
        Bermuda

-       SCOR                                      85027  A- u
        France

-       SCOR DEUTSCHLAND Rueckversicherungs       85312  A- u
        Germany

-       SCOR Group                                86155  A- u
        France

-       Scor Italia Riassicurazioni S.p.A.        85232  A- u
        Italy

-       SCOR Reinsurance Asia-Pacific Pte Ltd     86117  A- u
        Singapore

-       SCOR UK Company Ltd                       85448  A- u
        United Kingdom

New     Teleco Insurance (NZ) Limited             75691  B++
        New Zealand

-       Trenwick International Limited            86512  B- u
        United Kingdom

        UIA (Insurance) Limited                   87645  NR-4
        United Kingdom

        Life

U       Employers Reassurance Corporation         06976  A+ u
        US: Kansas

U       ERC Life Reinsurance Corporation          08928  A+ u
        US: Missouri

        Health Care

U       CIGNA HealthCare Mid-Atlantic Inc         68871  A- u
        US: Maryland

U       CIGNA HealthCare of Arizona Inc           68726  A u
        US: Arizona

U       CIGNA HealthCare of California Inc        68912  A u
        US: California

U       CIGNA HealthCare of Colorado Inc          68864  A- u
        US: Colorado

U       CIGNA HealthCare of Connecticut Inc       68865  A- u
        US: Connecticut

U       CIGNA HealthCare of Delaware Inc          68866  A- u
        US: Delaware

U       CIGNA HealthCare of Florida Inc           68860  A u
        US: Florida

U       CIGNA HealthCare of Georgia Inc           68753  A- u
        US: Georgia

U       CIGNA HealthCare of Illinois Inc          68867  A- u
        US: Illinois

U       CIGNA HealthCare of Indiana Inc           68536  A- u
        US: Indiana

U       CIGNA HealthCare of Maine Inc             68549  A- u
        US: Maine

U       CIGNA HealthCare of Massachusetts Inc     60201  A- u
        US: Massachusetts

U       CIGNA HealthCare of New Hampshire Inc     68675  A u
        US: New Hampshire

U       CIGNA HealthCare of New Jersey Inc        68862  A u
        US: New Jersey

U       CIGNA HealthCare of New York Inc          68872  A u
        US: New York

U       CIGNA HealthCare of North Carolina Inc    68570  A- u
        US: North Carolina

U       CIGNA HealthCare of Ohio Inc              68788  A- u
        US: Ohio

U       CIGNA HealthCare of Pennsylvania Inc      68876  A- u
        US: Pennsylvania

U       CIGNA HealthCare of South Carolina Inc    68594  A- u
        US: South Carolina

U       CIGNA HealthCare of St Louis Inc          68877  A- u
        US: Missouri

U       CIGNA HealthCare of Tennessee Inc         68878  A- u
        US: Tennessee

U       CIGNA HealthCare of Texas Inc             68828  A- u
        US: Texas

U       CIGNA HealthCare of Utah Inc              68881  A- u
        US: Utah

U       CIGNA HealthCare of Virginia Inc          68880  A u
        US: Virginia

U       CIGNA Insurance Group Inc                 68124  A- u
        US: New Hampshire

U       CIGNA Insurance Services Company          68344  A- u
        US: South Carolina

        Property/Casualty

U       Allianz Insurance Company                 00407  A++ u
        US: California

U       Allianz Insurance Group                   03887  A++ u
        US: California

U       Allianz Underwriters Insurance Company    02618  A++ u
        US: California

U       American Country Insurance Company        02735  B+ u
        US: Illinois

U       American Service Insurance Company Inc    01777  B++ u
        US: Illinois

U       Employers Re Corp Group                   05967  A+ u
        US: Missouri

U       Employers Reinsurance Corporation         00347  A+ u
        US: Missouri

U       First Specialty Insurance Corporation     10783  A u
        US: Missouri

U       GE Global Insurance Group                 25025  A+ u
        US: Kansas

U       GE Reinsurance Corporation                04124  A+ u
        US: Illinois

U       Hermitage Insurance Company               01969  B u
        US: New York

U       Hermitage Insurance Group                 18440  B u
        US: New York

U       JEVCO Insurance Company                   86618  A u
        Canada: Quebec

U       Kingsway General Insurance Company        86397  A u
        Canada: Ontario

U       Kodiak Insurance Company                  10620  B u
        US: New Jersey

U       Lincoln General Insurance Company         03723  A- u
        US: Pennsylvania

U       Medical Protective Company                00591  A+ u
        US: Indiana

U       Phoenix Indemnity Insurance Company       10612  D u
        US: Arizona

U       Southern United Fire Insurance Company    03197  B+ u
        US: Alabama

U       U.S. Security Insurance Company, Inc      10682  B u
        US: Florida

U       Universal Casualty Company                02753  A- u
        US: Illinois

U       Westport Insurance Corporation            02301  A u
        US: Missouri

U       York Fire & Casualty Insurance Company    86516  A u
        Canada: Ontario

        International

U       AGF M.A.T.                                86992  A++ u
        France

U       Allianz Aktiengesellschaft                85014  A++ u
        Germany

U       Allianz Lebensversicherungs-AG            85015  A++ u
        Germany

U       Allianz Suisse Lebensversicherungs        86461  A++ u
        Switzerland

U       Allianz Suisse Versicherungs              86462  A++ u
        Switzerland

U       Allianz Versicherungs-AG                  85473  A++ u
        Germany

U       Allianz-Elementar Lebensversich-AG        86995  A++ u
        Austria

U       Allianz-Elementar Versicherungs-AG        86994  A++ u
        Austria

U       Assurances Generales de France IART       85174  A++ u
        France

U       Assurances Generales de France Vie        85109  A++ u
        France

U       Bayerische Versicherungsbank AG           86590  A++ u
        Germany

U       Cornhill Insurance PLC                    86373  A++ u
        United Kingdom

U       Frankfurter Verischerungs-AG              86591  A++ u
        Germany

U       GE Frankona Group                         88108  A+ u
        Germany

U       GE Frankona Reassurance Limited           86653  A+ u
        United Kingdom

U       GE Frankona Reinsurance A/S               85501  A+ u
        Denmark

U       GE Frankona Reinsurance Ltd               86655  A+ u
        United Kingdom

U       GE Frankona Rueckversicherungs-AG         85311  A+ u
        Germany

U       Hermes Kreditversicherungs-AG             86996  A++ u
        Germany

U       Irish European Reinsurance Company Ltd    86848  A+ u
        Ireland

U       Kingsway Reinsurance Bermuda Ltd          84089  A u
        Bermuda

U       Lloyd Adriatico S.p.A.                    85681  A++ u
        Italy

U       Luxembourg European Reinsurance S.A.      86847  A+ u
        Luxembourg

U       Riunione Adriatica di Sicurta S.p.A.      85307  A++ u
        Italy

U       Vereinte Krankenversicherung AG           85942  A++ u
        Germany

U       Vereinte Lebensversicherung AG            85944  A++ u
        Germany

U       Vereinte Versicherung AG                  85843  A++ u
        Germany

Rating                                            Previous
Action  Company Name & Domicile                     Rating

        Life

-       Allianz Life Insurance Co of NA              A++ u
        US: Minnesota

-       American Life Insurance Co of NY                A-
        US: New York

-       CIGNA Life Insurance Company                    A+
        US: Connecticut

-       CIGNA Life Insurance Company of New York        A+
        US: New York

-       CIGNA Worldwide Insurance Company                A
        US: Delaware

        CNA Life Insurance Co of Canada               B pd
        Canada: Ontario

New     Congress Life Insurance Company               NR-2
        US: Arizona

-       Connecticut General Life Insurance Co           A+
        US: Connecticut

+       Conseco Variable Insurance Company             B u
        US: Texas

        General Life Insurance Company                  A+
        US: Texas

-       Investors Insurance Corporation                A u
        US: Delaware

-       Life Insurance Company of North America         A+
        US: Pennsylvania

-       Old Standard Life Insurance Company              B
        US: Idaho

-       Old West Annuity & Life Insurance Co             B
        US: Arizona

-       Preferred Life Insurance Co of NY            A++ u
        US: New York

-       Presidential Life Insurance Company            B++
        US: New York

-       Republic-Vanguard Life Insurance Company       A u
        US: Texas

-       SCOR Life U.S. Re Insurance Company            A u
        US: Texas

        Templeton Funds Annuity Company               A- u
        US: Florida

-       Western United Life Assurance Company            B
        US: Washington

        Health Care

New     Asuris Northwest Health                       NR-5
        US: Washington

+       Brokers National Life Assurance Company
        US: Arkansas

        Colorado Dental Service Inc                   NR-5
        US: Colorado

        Combined Underwriters Life Insurance Co          C
        US: Texas

        Delta Dental of Massachusetts                 NR-5
        US: Massachusetts

        Delta Dental Plan of Illinois                 NR-5
        US: Illinois

        Delta Dental Plan of New Hampshire            NR-5
        US: New Hampshire

New     HealthWise                                    NR-5
        US: Utah

        Lifeline Underwriters Life Insurance Co         C+
        US: Texas

+       PacifiCare of Nevada Inc                        B+
        US: Nevada

New     Regence BlueCross BlueShield of Utah          NR-5
        US: Utah

New     Regence BlueShield                            NR-5
        US: Washington

New     RegenceCare                                   NR-5
        US: Washington

-       Teachers Protective Mutual Life Ins Co          B+
        US: Pennsylvania

        Property/Casualty

+       AAA Texas County Mutual Insurance Co.          B++
        US: Texas

-       Acceptance Insurance Company                    B+
        US: Nebraska

-       Alpha Property & Casualty Insurance Co        A+ u
        US: Wisconsin

-       American Growers Insurance Company             B++
        US: Nebraska

-       American Growers Insurance Company              C-
        US: Nebraska

-       Aries Insurance Company Inc                      E
        us: Florida

-       Charter County Mutual Insurance Company       A+ u
        US: Texas

-       Charter Indemnity Company                     A+ u
        US: Texas

-       Chartwell Insurance Company                    B u
        US: Connecticut

+       Commerce Protective Insurance Company           B+
        US: Pennsylvania

        Property/Casualty

-       Commercial Casualty Insurance Co of NC        A- u
        US: North Carolina

-       Commercial Risk Re-Insurance Company           A u
        US: Vermont

-       Connecticut Medical Insurance Company           A-
        US: Connecticut

        Connecticut Specialty Insurance Company         A-
        US: Connecticut

-       Dakota Specialty Insurance Company            B+ u
        US: North Dakota

-       Delta Insurance Services Group                A- u
        US: Georgia

-       Financial Indemnity Company                   A+ u
        US: California

-       General Secur P & C Co                         A u
        US: New York

-       General Security Indemnity Co of Arizona       A u
        US: Arizona

-       General Security Indemnity Company             A u
        US: New York

-       General Security Insurance Company             A u
        US: New York

-       General Security National Insurance Co         A u
        US: New York

-       Georgia Mutual Insurance A Stock Company      A- u
        US: Georgia

+       Heritage Indemnity Company                      B+
        US: California

-       Insurance Corporation of New York             B+ u
        US: New York

-       Kemper Auto & Home Insurance Company          A+ u
        US: Illinois

-       Kemper Independence Insurance Company         A+ u
        US: Illinois

-       Milwaukee Casualty Insurance Company          A+ u
        US: Wisconsin

-       Milwaukee Mutual Insurance Company            A+ u
        US: Wisconsin

-       Milwaukee Safeguard Insurance Company         A+ u
        US: Wisconsin

+       NAMIC Insurance Company, Inc                    A-
        US: Indiana

-       Oak Casualty Insurance Company                   E
        US: Illinois

New     Risk Management Assoc of the Residen Con
        US: Illinois

-       SCOR Canada Reinsurance Company                A u
        Canada: Ontario

-       SCOR Reinsurance Company                       A u
        US: New York

-       SCOR U S Group                                 A u
        US: New York

-       Security National Insurance Company           A+ u
        US: Texas

-       Sterling Casualty Insurance Company            B u
        US: California

-       Trenwick America Reinsurance Corporation      B+ U
        US: Connecticut

-       Trinity Lloyds Insurance Company              A+ u
        US: Texas

-       Trinity Universal Ins Co of KS, Inc           A+ u
        US: Kansas

-       Trinity Universal Insurance Company           A+ u
        US: Texas

-       Union National Fire Insurance Company         A+ u
        US: Louisiana

New     United National Casualty Ins Co
        US: Indiana

-       Unitrin Direct Insurance Company              A+ u
        US: Illinois

-       Unitrin P & C Insurance Grp                   A+ u
        US: Texas

-       Utica First Insurance Company                   A-
        US: New York

-       Valley Insurance Company                      A+ u
        US: California

-       Valley Property & Casualty Insurance Co       A+ u
        US: Oregon

+       Western National Assurance Company              B+
        US: Washington

+       Western National Mutual Group                   B+
        US: Minnesota

+       Western National Mutual Insurance Co            B+
        US: Minnesota

New     Western Underwriters Insurance Company        NR-2
        US: California

        International

        Abbey National Life plc                     B++ pd
        United Kingdom

-       Commercial Risk Reinsurance Company Ltd        A u
        Bermuda

+       Halifax Life Limited                        B++ pd
        United Kingdom

+       HSBC Life (UK) Limited                       B+ pd
        United Kingdom

-       LaSalle Re Limited                            B+ u
        Bermuda

New     Lloyd's Syndicate 958
        United Kingdom

New     Platinum Re (UK) Limited
        United Kingdom

New     Platinum Underwriters Bermuda, Ltd
        Bermuda

New     Platinum Underwriters Group
        Bermuda

-       SCOR                                           A u
        France

-       SCOR DEUTSCHLAND Rueckversicherungs            A u
        Germany

-       SCOR Group                                     A u
        France

-       Scor Italia Riassicurazioni S.p.A.             A u
        Italy

-       SCOR Reinsurance Asia-Pacific Pte Ltd          A u
        Singapore

-       SCOR UK Company Ltd                            A u
        United Kingdom

New     Teleco Insurance (NZ) Limited
        New Zealand

-       Trenwick International Limited                B+ u
        United Kingdom

        UIA (Insurance) Limited                         A-
        United Kingdom

        Life

U       Employers Reassurance Corporation               A+
        US: Kansas

U       ERC Life Reinsurance Corporation                A+
        US: Missouri

        Health Care

U       CIGNA HealthCare Mid-Atlantic Inc               A-
        US: Maryland

U       CIGNA HealthCare of Arizona Inc                  A
        US: Arizona

U       CIGNA HealthCare of California Inc               A
        US: California

U       CIGNA HealthCare of Colorado Inc                A-
        US: Colorado

U       CIGNA HealthCare of Connecticut Inc             A-
        US: Connecticut

U       CIGNA HealthCare of Delaware Inc                A-
        US: Delaware

U       CIGNA HealthCare of Florida Inc                  A
        US: Florida

U       CIGNA HealthCare of Georgia Inc                 A-
        US: Georgia

U       CIGNA HealthCare of Illinois Inc                A-
        US: Illinois

U       CIGNA HealthCare of Indiana Inc                 A-
        US: Indiana

U       CIGNA HealthCare of Maine Inc                   A-
        US: Maine

U       CIGNA HealthCare of Massachusetts Inc           A-
        US: Massachusetts

U       CIGNA HealthCare of New Hampshire Inc            A
        US: New Hampshire

U       CIGNA HealthCare of New Jersey Inc               A
        US: New Jersey

U       CIGNA HealthCare of New York Inc                 A
        US: New York

U       CIGNA HealthCare of North Carolina Inc          A-
        US: North Carolina

U       CIGNA HealthCare of Ohio Inc                    A-
        US: Ohio

U       CIGNA HealthCare of Pennsylvania Inc            A-
        US: Pennsylvania

U       CIGNA HealthCare of South Carolina Inc          A-
        US: South Carolina

U       CIGNA HealthCare of St Louis Inc                A-
        US: Missouri

U       CIGNA HealthCare of Tennessee Inc               A-
        US: Tennessee

U       CIGNA HealthCare of Texas Inc                   A-
        US: Texas

U       CIGNA HealthCare of Utah Inc                    A-
        US: Utah

U       CIGNA HealthCare of Virginia Inc                 A
        US: Virginia

U       CIGNA Insurance Group Inc                       A-
        US: New Hampshire

U       CIGNA Insurance Services Company                A-
        US: South Carolina

        Property/Casualty

U       Allianz Insurance Company                      A++
        US: California

U       Allianz Insurance Group                        A++
        US: California

U       Allianz Underwriters Insurance Company         A++
        US: California

U       American Country Insurance Company              B+
        US: Illinois

U       American Service Insurance Company Inc         B++
        US: Illinois

U       Employers Re Corp Group                         A+
        US: Missouri

U       Employers Reinsurance Corporation               A+
        US: Missouri

U       First Specialty Insurance Corporation            A
        US: Missouri

U       GE Global Insurance Group                       A+
        US: Kansas

U       GE Reinsurance Corporation                      A+
        US: Illinois

U       Hermitage Insurance Company                    B u
        US: New York

U       Hermitage Insurance Group                      B u
        US: New York

U       JEVCO Insurance Company                          A
        Canada: Quebec

U       Kingsway General Insurance Company               A
        Canada: Ontario

U       Kodiak Insurance Company                       B u
        US: New Jersey

U       Lincoln General Insurance Company               A-
        US: Pennsylvania

U       Medical Protective Company                      A+
        US: Indiana

U       Phoenix Indemnity Insurance Company              D
        US: Arizona

U       Southern United Fire Insurance Company          B+
        US: Alabama

U       U.S. Security Insurance Company, Inc             B
        US: Florida

U       Universal Casualty Company                      A-
        US: Illinois

U       Westport Insurance Corporation                   A
        US: Missouri

U       York Fire & Casualty Insurance Company           A
        Canada: Ontario

        International

U       AGF M.A.T.                                     A++
        France

U       Allianz Aktiengesellschaft                     A++
        Germany

U       Allianz Lebensversicherungs-AG                 A++
        Germany

U       Allianz Suisse Lebensversicherungs             A++
        Switzerland

U       Allianz Suisse Versicherungs                   A++
        Switzerland

U       Allianz Versicherungs-AG                       A++
        Germany

U       Allianz-Elementar Lebensversich-AG             A++
        Austria

U       Allianz-Elementar Versicherungs-AG             A++
        Austria

U       Assurances Generales de France IART            A++
        France

U       Assurances Generales de France Vie             A++
        France

U       Bayerische Versicherungsbank AG                A++
        Germany

U       Cornhill Insurance PLC                         A++
        United Kingdom

U       Frankfurter Verischerungs-AG                   A++
        Germany

U       GE Frankona Group                               A+
        Germany

U       GE Frankona Reassurance Limited                 A+
        United Kingdom

U       GE Frankona Reinsurance A/S                     A+
        Denmark

U       GE Frankona Reinsurance Ltd                     A+
        United Kingdom

U       GE Frankona Rueckversicherungs-AG               A+
        Germany

U       Hermes Kreditversicherungs-AG                  A++
        Germany

U       Irish European Reinsurance Company Ltd          A+
        Ireland

U       Kingsway Reinsurance Bermuda Ltd                 A
        Bermuda

U       Lloyd Adriatico S.p.A.                         A++
        Italy

U       Luxembourg European Reinsurance S.A.            A+
        Luxembourg

U       Riunione Adriatica di Sicurta S.p.A.           A++
        Italy

U       Vereinte Krankenversicherung AG                A++
        Germany

U       Vereinte Lebensversicherung AG                 A++
        Germany

U       Vereinte Versicherung AG                       A++
        Germany

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 Report[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 our interactive rating service. The Best's Rating
represents an opinion based on a comprehensive quantitative and
qualitative 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 Best'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 identity 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 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 process. Best's Public Data Ratings reflect both 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.
 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)

Assigned to all insurance companies and reflects their size based on
their capital, surplus and conditional reserve funds. For information,
refer to the Preface.

Best's Ratings are proprietary and may not be reproduced without
permission.
COPYRIGHT 2003 A.M. Best Company, Inc.
No portion of this article can be reproduced without the express written permission from the copyright holder.
Copyright 2003, Gale Group. All rights reserved. Gale Group is a Thomson Corporation Company.

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Publication:Best's Review
Geographic Code:1USA
Date:Jan 1, 2003
Words:3751
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