Best's rating changes.

This edition of Best's Rating Changes reflects all rating changes--assignments, changes or placed trader review--that occurred for life, health and property/casualty insurers domiciled in North America, as well as international insurance companies, since this section last appeared in the November 2006 edition of Best's Review.

See page 25 for the current Guide to Best's Financial Strength Ratings or visit the A.M. Best Co. Web site at www.ambest.com/ratings/guide.html for detailed rating definitions. The A.M. Best rating of any company and basic company information also are available free of charge at www.ambest.com/ratings/access.html.

Ratings Changed

Rating                                              Current   Previous
Action   Company Name & Domicile           AMB#     Rating      Rating

Life

New      CDPHP Universal Benefits Inc      64596    B+            NR-5
         US: New York

         Citicorp Life Insurance           08382    NR-5             A
           Company
         US: Arizona

         Delta Dental of Illinois          64487    NR-3         B+ pd
         US: Illinois

--       Delta Dental of Kentucky Inc      64485    B pd         B+ pd
         US: Kentucky

--       Delta Dental of Missouri          65732    B pd         B+ pd
         US: Missouri

--       Dental Service of Massachu-       60193    B++ pd       A- pd
           setts Inc
         US: Massachusetts

         First Citicorp Life Insurance     09078    NR-5             A
           Company
         US: New York

--       Independence Blue Cross           64553    B pd         B+ pd
         US: Pennsylvania

         North American Co for Life &      09044    NR-5            A-
           Health NY
         US: New York

+        PersonalCare Insurance of         60028    B++             B+
           Illinois Inc
         US: Illinois

         Utica National Life Insurance     06446    NR-5           B++
           Company
         US: New York

+        Wilton Reassurance Life           06084    A-               B
           Company of NY
         US: New York

HMO

-        AmeriHealth HMO Inc               64139    B pd         B+ pd
         US: Pennsylvania

New      Capital District Physicians'      68563    B++           NR-5
           Health Plan
         US: New York

+        Coventry Health Care of Kansas    64126    B++             B+
           Inc
         US: Kansas

         Dental Choice Inc                 65726    NR-3         B- pd
         US: Kentucky

--       Keystone Health Plan East Inc     68924    B pd         B+ pd
         US: Pennsylvania

+        Piedmont Community Healthcare     64390    C++ pd       C+ pd
           Inc
         US: Virginia

+        Southern Health Services Inc      68607    B++             B+
         US: Virginia

-        Ultimed HMO of Michigan Inc       64284    F                E
         US: Michigan

Property/Casualty

+        1st Auto & Casualty Insurance     11233    B+               B
         Company US: Wisconsin

         Agents Alliance Insurance         11866    NR-5             A
         Company US: North Carolina

New      Ameriprise Insurance Company      13104    A
         US: Wisconsin

New      ARI Casualty Company              02607    B++           NR-5
         US: New Jersey

New      ARI Insurance Group               03886    B++           NR-5
         US: New Jersey

New      ARI Mutual Insurance Company      00376    B++           NR-5
         US: New Jersey

+        Auto Club Family Insurance        10789    A+             A u
         Company US: Missouri

+        Automobile Club Inter-Insu-       00185    A+             A u
         rance Exchange US: Missouri

         Automobile Club of Missouri       18095    NR-5           A u
         Group US: Missouri

New      Community Mutual Insurance        11047    B-            NR-4
           Company
         US: New York

New      Farmers Home Fire Insurance       03375    B++           NR-5
           Company
         US: Arkansas

         Hawaiian Insurance & Guar         11581    NR-5             E
           Co, Ltd
         US: Hawaii

--       Lawyers Mutual Insurance          10632    B+             B++
           Company of KY
         US: Kentucky

+        Mennonite Mutual Insurance        00617    B++             B+
           Company
         US: Ohio

--       Oriska Insurance Company          11741    C- u            C+
         US: New York

New      Prime Insurance Company           13308    B+
         US: Illinois

New      Prime Insurance Group             18696    B+
         US: Illinois

+        Wisconsin Reinsurance             02791    B++             B+
           Corporation
         US: Wisconsin

+        Wisconsin Reinsurance Group       18165    B++             B+
         US: Wisconsin

International

+        ACE European Group Limited        86485    A+               A
         United Kingdom

+        Allianz Global Corporate &        87997    A               A-
           Specialty AG
         Germany

         Charter Reinsurance Company       85504    NR-5             E
           Limited
         United Kingdom

New      Elvia Reiseversicherungs-         78025    A             NR-5
           Gesellschaft AG
         Switzerland

+        Labuan Reinsurance (L) Ltd        86913    A-             B++
         Malaysia

New      Malaysian Reinsurance Berhad      78303    A-
         Malaysia

         Rutland Insurance Ltd             57579    NR-3           B++
         Guernsey

         Troika 2004 Limited               77071    NR-5             F
         United Kingdom

New      XL Re Europe Limited              78455    A+
         Ireland

Ratings Under Review

Rating                                              Current   Previous
Action   Company Name & Domicile           AMB#     Rating      Rating
         Property/Casualty

         Affirmative Insurance Company     01795    B+ u            B+
         US: Illinois

         Affirmative Insurance Group       18648    B+ u            B+
         US: Illinois

         American Guaranty Insurance       00130    B++ u          B++
           Company
         US: North Carolina

         Converium Insurance (North        00554    B u              B
           America) Inc
         US: New Jersey

         Converium Reinsurance (NA) Inc    02696    B- u            B-
         US: Connecticut

         Insura Property & Casualty        2741     B+ u            B+
           Ins Co, Inc
         US: Illinois

International

         Bahamas First General             86960    A- u            A-
           Insurance co Ltd
         Bahamas

         Catlin Insurance Company          77622    A u              A
           (UK) Ltd.
         United Kingdom

         Catlin Insurance Company          84805    A u              A
           Limited
         Bermuda

Rating Action: (+) or (-) Rating upgraded or downgraded;
(New) Assigned initial rating; (u) Rating under review

GUIDE TO BEST'S FINANCIAL STRENGTH RATINGS

A Best's Rating is an independent opinion, based on a comprehensive
quantitative and qualitative evaluation, of a company' balance
sheet strength, operating performance and business profile. Best's
Financial Strength Ratings are not a warranty of a company's
financial strength and ability to meet its ongoing obligations to
policyholders.

Financial Strength Ratings

A Best's Financial Strength Rating (FSR) is an opinion as to an
insurer's financial strength and ability to meet its ongoing
obligations to policyholders.

              Rating          Descriptor

Secure        A++, A+         Superior
              A, A-           Excellent
              B++, B+         Very Good

Vulnerable    B, B-           Fair
              am C++, C+      Marginal
              C, C-           Weak
              c D             Poor
              E               Under Regulatory Supervision
              F               In Liquidation
              S               Suspended

Rating Modifiers              Affiliation Codes

"u"           Under Review    "g"          Group
"pd"          Public Data     "p"          Pooled
"s"           Syndicate       "r"          Reinsured

Not Rated Categories (NB)

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

Best's Ratings are distributed via press release and/or the A.M.
Best Web site at www.ambest.com, and are published in the Rating
Monitor section of BestWeek[R]. Best's Ratings are proprietary and
may not be reproduced without permission.

Copyright [C] 2006 by A.M. Best Company, Inc. Version 031606

For more information about A.M. Best Ratings visit
www.ambest.com/ratings/about.asp