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 October 2006 edition of Best's Review.

See page 22 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

         Blue Cross and Blue Shield of MA   64562   NR-3       B++ pd
         US: Massachusetts

--       CareFirst of Maryland Inc          64470   B+ pd      B++ pd
         US: Maryland

+        SCOR Life Insurance Company        06996   A-          B++ u
         US: Texas

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

New      Summa Insurance Company            12024   B++          NR-5
         US: Ohio

         HMO

--       Alliance for Community Health      64179   C++ pd      B- pd
         US: Missouri

--       AMERIGROUP Illinois Inc            64100   C- pd      C++ pd
         US: Illinois

+        AMERIGROUP Maryland a Managed      64612   C++ pd      C+ pd
         Care Org
         US: District Of Columbia

+        AMERIGROUP Texas Inc               64238   C++ pd      C+ pd
         US: Texas

+        CareSource                         68574   C++ pd      C+ pd
         US: Ohio

+        Cox Health System HMO              64421   C++ pd       C pd
         US: Missouri

+        Elder Health Mid-Atlantic Inc      64697   C+ pd        C pd
         US: Maryland

+        Elder Health Pennsylvania Inc      64743   C+ pd        C pd
         US: Pennsylvania

+        FirstCarolinaCare Inc              64268   B+ pd        B pd
         US: North Carolina

--       GHI HMO Select Inc                 64564   C- pd      C++ pd
         US: New York

--       Group Health Plan Inc              68667   C++ pd      B- pd
         US: Minnesota

+        HealthEase of Florida Inc          64647   B- pd        C pd
         US: Florida

+        HealthSpring of Alabama Inc        68784   C++ pd       C pd
         US: Alabama

+        HealthSpring of Tennessee Inc      64300   C+ pd        C pd
         US: Tennessee

         Heritage Provider Network Inc      64580   NR-5        C+ pd
         US: California

+        Horizon Healthcare Dental Inc      64696   B+ pd        B pd
         US: New Jersey

+        Kaiser Foundation Health Plan      64585   A- pd      B++ pd
         Inc
         US: California

--       Kaiser Foundation Health Plan of   68528   B+ pd      B++ pd
         Georgia
         US: Georgia

--       Kaiser Foundation Health Plan of   68577   B+ pd      B++ pd
         Ohio
         US: Ohio

--       MDNY Healthcare Inc                64291   C- pd        C pd
         US: New York

+        MMM Healthcare Inc                 64707   C+ pd        C pd
         US: Puerto Rico

+        Molina Healthcare of California    64150   C++ pd      C+ pd
         Inc
         US: California

+        Molina Healthcare of Michigan      64685   C++ pd      C+ pd
         Inc
         US: Michigan

         Physicians Health Plan of          64620   NR-3        C+ pd
         Southwest MI
         US: Michigan

New      SummaCare Inc                      60143   B++        C++ pd
         US: Ohio

         ValueOptions of California Inc     64653   NR-5         C pd
         US: California

+        Vista Healthplan                   64066   C+ pd       C- pd
         US: Florida

+        Vista Healthplan of South          64102   C+ pd       C- pd
         Florida Inc
         US: Florida

+        WellCare of Connecticut Inc        60116   C++ pd      C+ pd
         US: Connecticut

+        WellCare of Florida Inc            64118   B- pd        C pd
         US: Florida

+        WellCare of New York Inc           68750   B pd       C++ pd
         US: New York

         Property/Casualty

+        Bond Safeguard Insurance Company   03507   A-            B++
         US: Illinois

+        California Insurance Company       02637   A            A- u
         US: California

+        Continental National Indemnity     13065   A            A- u
         Company
         US: Ohio

         Fenchurch General Insurance        87061   B++ pd       NR-5
         Company
         Canada: Ontario

New      First Net Insurance Company        13110   B+           NR-1
         US: Guam

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

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

New      GHS Property and Casualty          11405   A-           NR-2
         Insurance Co
         US: Oklahoma

New      Hawaiian Insurance and Guaranty    13317   B
         Co Ltd
         US: Hawaii

New      HCC Insurance Company              03833   A            NR-3
         US: Indiana

+        North American Casualty Group      18683   A            A- u
         US: California

New      Oklahoma Farmers Union Mutual      01726   B++          NR-5
         Ins Co
         US: Oklahoma

New      Plateau Casualty Insurance         12122   A-           NR-5
         Company
         US: Tennessee

+        Producers Agriculture Insurance    12485   B++            B+
         Company
         US: Texas

+        Producers Agriculture Insurance    18575   B++            B+
         Group
         US: Texas

+        Producers Lloyds Insurance         02729   B++            B+
         Company
         US: Texas

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

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

New      SCOR U S Group                     03873   A-           NR-5
         US: New York

New      Titan Insurance Company, Inc., A   75375   A-           NR-1
         RRG
         US: South Carolina

         International

         AGPM Vie                           83020   F            NR-5
         France

New      Lancashire Insurance Co (UK) Ltd   78390   A-
         United Kingdom

+        SCOR                               85027   A-          B++ u
         France

+        SCOR DEUTSCHLAND                   85312   A-          B++ u
         Rueckversicherungs
         Germany

+        SCOR Global P & C                  78344   A-          B++ u
         France

+        SCOR Group                         86155   A-          B++ u
         France

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

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

+        SCOR UK Company Ltd                85448   A-          B++ u
         United Kingdom

+        SCOR Vie                           77365   A-          B++ u
         France

         Tasman Pacific Insurance Limited   89041   NR-4           B-
         New Zealand

New      Tenet Insurance Company Ltd        89446   A-           NR-5
         Singapore

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

Ratings Under Review

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

         Property/Casualty

         Guaranty National Insurance        00443   C++ u         C++
         Company
         US: Delaware

         Majestic Insurance Company         01723   B++ u         B++
         US: California

         Patriot Mutual Insurance Company   11495   B++ u         B++
         US: Maine

         Royal & SunAlliance USA            18566   C++ u         C++
         Insurance Pool
         US: North Carolina

         Royal Indemnity Company            02438   C++ u         C++
         US: Delaware

         Royal Surplus Lines Insurance      01745   C++ u         C++
         Company
         US: Delaware

         Security Insurance Company of      02457   C++ u         C++
         Hartford
         US: Delaware

         International

         Globe Insurance Company Limited    87366   A- u           A-
         United Kingdom

         London Assurance                   85106   A- u           A-
         United Kingdom

         Royal & Sun Alliance Insurance     85662   A- u           A-
         Group plc
         United Kingdom

         Royal & Sun Alliance Insurance     86257   A- u           A-
         plc
         United Kingdom

         Royal & Sun Alliance Reinsurance   85187   A- u           A-
         Limited
         United Kingdom

         Sun Alliance and London            86222   A- u           A-
         Insurance plc
         United Kingdom

         Sun Insurance Office Limited       85108   A- u           A-
         United Kingdom

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's 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
C++, C+      Marginal
C, C-        Weak
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 (NR)

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