Best's rating changes.

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 April 2003 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

Life/Health

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

+       American Community Mutual            06044  B-            C++
        Insurance Co
        US: Michigan

+       Amica Life Insurance Company         07464  A+              A
        US: Rhode Island

-       Annuity & Life Reassurance           06281  B- u         B+ u
        America Inc
        US: Connecticut

-       Aviva Life Insurance Company         06337  A              A+
        US: Delaware

-       Aviva Life Insurance Company         09098  A              A+
        of New York
        US: New York

-       Commercial Travelers Mutual          07361  B-             B+
        Insurance Co
        US: New York

-       Cotton States Life Insurance         06292  B++ u          A-
        Company
        US: Georgia

-       Guaranty Income Life                 06504  B+ u          B++
        Insurance Company
        US: Louisiana

-       Liberty Life Assurance               06627  A-              A
        Company of Boston
        US: Massachusetts

        Lincoln National Reassurance         09180  NR-3          A u
        Company
        US: Indiana

-       Monitor Life Insurance               08664  B-             B+
        Co of NY
        US: New York

-       National Health                      08392  B u            B+
        Insurance Company
        US: Texas

+       Protective Industrial                07941  C+              C
        Insurance Co of AL
        US: Alabama

        Sierra Pacific Life                  07997  NR-5            B
        Insurance Co
        US: California

-       ULLICO Life Insurance Company        06316  B-              B
        US: Texas

-       Union Labor Life                     07152  B-              B
        Insurance Company
        US: Maryland

Property/Casualty

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

-       Affirmative Insurance Company        01795  B              B+
        US: Illinois

New     Allegany Insurance Group             18608  A
        US: New York

-       Alianz Insurance Company             00407  A+          A++ u
        US: California

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

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

New     America First Lloyds Inc Co          12568  A
        US: Texas

+       American Contractors Indemnity       11019  A-            B++
        Company
        US: California

New     American Inter-Fidelity Exchange     01776  B            NR-5
        US: Indiana

-       American Manufacturers               02273  B u          B+ u
        Mutual Ins Co
        US: Illinois

-       American Motorists Insurance         02274  B u          B+ u
        Company
        US: Illinois

        American Professionals               00685  E            NR-4
        Insurance Company
        US: Indiana

-       American Protection Insurance        02275  B u          B+ u
        Company
        US: Illinois

+       AXIS Reinsurance Company             12557  A              A-
        US: New York

+       AXIS Specialty Insurance Company     12558  A              A-
        US: Connecticut

-       Bridgefield Casualty Insurance       11812  A              A+
        Company
        US: Florida

        Bridgefield Employers Insurance      12158  A              A+
-       Company
        US: Florida

        Capital Fire Insurance Company       02337  NR-5          B++
        US: New Hampshire

        Citation Insurance Company (CA)      02898  NR-3           B+
        US: California

-       Colorado Casualty                    11325  A              A+
        Insurance Company
        US: Colorado

        Cooperative Mutual Insurance         04364  B+ u          B++
-       Company
        US: Nebraska

-       Cotton States Insurance Group        00300  B u            B+
        US: Georgia

-       Cotton States Mutual Insurance       00299  B u            B+
        Company
        US: Georgia

+       Daily Underwriters of America        02721  A              A-
        US: Pennsylvania

New     Eagle Insurance Group (WA)           18007  B+ u         NR-5
        US: Washington

-       Employers Insurance Company of       02159  A              A+
        Wausau
        US: Wisconsin

-       Fairmont Insurance Company           04293  B+          B++ u
        US: California

-       Financial Insurance Company of       00211  C+            C++
        America
        US: Texas

-       First Liberty Insurance              10764  A              A+
        Corporation
        US: Iowa

-       Florida Select Insurance             11869  B              B+
        Company
        US: Florida

+       Founders Insurance Company           12345  A-            B++
        US: New Jersey

-       Gallant Insurance Company            02574  F               E
        US: Illinois

-       Golden Eagle Insurance               12076  A              A+
        Corporation
        US: California

-       Grain Dealers Mutual Insurance       02207  B u            B+
        Company
        US: Indiana

        Great States Insurance Company       10706  NR-5            F
        US: California

-       GreatLand Insurance Company          12330  B u          B+ u
        US: Ohio

        Group Council Mutual Insurance       03745  NR-5            F
        Company
        US: New York

-       Hawaiian Insurance&Guar Co, Ltd      11581  B              B+
        US: Hawaii

        Highlands Insurance Company          02239  E            NR-4
        US: Texas

        HIH America Comp and Liab Ins Co     02917  NR-5            F
        US: California

--      Insura Property & Casualty           02741  B              B+
        Ins Co, Inc
        US: Illinois

        Insurance Company of Ohio            01711  NR-5            A
        US: Ohio

--      Interboro Mutual Indemnity           00519  C- u          C++
        Insurance Co
        US: New York

--      ISMIE Mutual Insurance Company       03757  B++            A-
        US: Illinois

--      Kemper Casualty Insurance Company    12301  B u          B+ u
        US: Illinois

New     Kemper Commercial Insurance Company  12291  B u          NR-3
        US: Illinois

--      Kemper Employers Insurance Company   11755  B u          B+ u
        US: Illinois

--      Kemper Indemnity Insurance           12183  B u          B+ u
        Company
        US: Illinois

--      Kemper Insurance Companies           04427  B u          B+ u
        US: Illinois

--      Kemper Lloyds Insurance Company      01759  B u          B+ u
        US: Texas

--      Kemper Surplus Lines Insurance       12229  B u          B+ u
        Company
        US: Illinois

--      Kentucky National Insurance          03579  B+ u          B++
        Company
        US: Kentucky

New     Liberty County Mutual                12569  A
        Insurance Company
        US: Texas

--      Liberty Insurance Company of         11798  A              A+
        America
        US: Illinois

--      Liberty Insurance Company            87725  A              A+
        of Canada
        Canada: Ontario

--      Liberty Insurance Corporation        01812  A              A+
        US: Vermont

--      Liberty Insurance                    02087  A              A+
        Underwriters Inc
        US: New York

--      Liberty Lloyds of                    12410  A              A+
        Texas Insurance Co
        US: Texas

--      Liberty Mutual Fire                  02282  A              A+
        Insurance Company
        US: Massachusetts

--      Liberty Mutual Insurance             00060  A              A+
        Companies
        US: Massachusetts

--      Liberty Mutual Insurance Company     02283  A              A+
        US: Massachusetts

--      Liberty Northwest Group              18589  A              A+
        US: Oregon

--      Liberty Northwest Insurance          01814  A              A+
         Corporation
        US: Oregon

--      Liberty Personal Insurance           03028  A              A+
        Company
        US: Michigan

--      Liberty Surplus Insurance            12078  A              A+
        Corporation
        US: New Hampshire

--      LM Insurance Corporation             10765  A              A+
        US: Iowa

--      Lumbermens Mutual Casualty           02279  B u          B+ u
        Company
        US: Illinois

        Manufacturers & Merchants Pool       03056  NR-5           B+
        US: New Hampshire

        Manufacturers and Merchants          02338  NR-5           B+
        Mut Ins Co
        US: New Hampshire

--      Merchants and Business Mens          00588  A              A+
        Mut Ins Co
        US: Pennsylvania

New     Monroe Co-Operative Fire             11162  A            NR-2
        Insurance Co
        US: New York

--      Montgomery Indemnity Company         10649  A              A+
        US: Maryland

--      Montgomery Mutual Insurance          00662  A              A+
        Company
        US: Maryland

--      North Pacific Insurance              12533  A              A+
        Company
        US: Oregon

        Northwest Physicians Mutual          10352  NR-4          C++
        Insurance Co
        US: Oregon

        Northwestern National                02373  E            NR-4
        Casualty Company
        US: Wisconsin

--      Oregon Automobile                    12532  A              A+
        Insurance Company
        US: Oregon

        Pacific Automobile                   02880  E            NR-4
        Insurance Company
        US: California

        Pacific National Insurance           02376  E            NR-4
        Company
        US: California

New     Palisades Insurance Company          12073  B+           NR-2
        US: New Jersey

        Patterson Insurance Company          03291  F            NR-4
        US: Louisiana

+       Penn National Insurance              00766  A-            B++
        US: Pennsylvania

+       Penn National Security               10637  A-            B++
        Insurance Company
        US: Pennsylvania

+       Pennsylvania National Mutual         02397  A-            B++
        Cas Ins Co
        US: Pennsylvania

        Petrosurance Casualty Company        03662  NR-5            F
        US: Oklahoma

--      Physician Insurance Mutual           18103  B++            A-
        Group
        US: Washington

--      Physicians Insurance A Mutual        02850  B++            A-
         Company
        US: Washington

+       Prime Insurance Syndicate            11306  B-             C+
         Incorporated
        US: Illinois

New     QBE Specialty Insurance Company      12562  A
        US: North Dakota

--      Republic Fire & Casualty             12097  A-u             A
        Insurance Co
        US: Oklahoma

--      Republic Insurance Group             00802  A- u            A
        US: Texas

--      Republic Lloyds                      02011  A- u            A
        US: Texas

--      Republic Underwriters                02422  A- u            A
        Insurance Company
        US: Texas

--      Republic-Vanguard Insurance          04070  A- u            A
        Company
        US: Arizona

--      RidgeLand Insurance Company          12331  B u          B+ u
        US: Ohio

--      Rutgers Casualty Insurance           01838  B+            B++
        Company
        US: New Jersey

--      Rutgers Casualty Insurance           18507  B+            B++
        Group
        US: New Jersey

--      Sheboygan Falls Mutual               00831  B++            A-
        Insurance Company
        US: Wisconsin

--      Shelby Casualty Insurance            02277  B              B+
        Company
        US: Illinois

--      Shelby Insurance Company             00832  B              B+
        US: Ohio

--      Shield Insurance Company             02133  B u            B+
        US: Georgia

--      Southern County Mutual               03382  A- u            A
        Insurance Company
        US: Texas

--      Southern Insurance Company           02012  A- u            A
        US: Texas

--      Southern Underwriters                12098  A- u            A
        Insurance Company
        US: Oklahoma

--      Southern Vanguard Insurance          12223  A- u            A
        Company
        US: Texas

--      Specialty National Insurance         12302  B u          B+ u
         Company
        US: Illinois

--      Specialty Surplus Insurance          12349  B u          B+ u
        Company
        US: Illinois

--      Standard Mutual Insurance x          04005  B++            A-
        Company
        US: Illinois

        State Capital Insurance              00858  E            NR-4
        Company
        US: North Carolina

New     State National Group                 18604  A
        US: Texas

New     State National Specialty             12273  A            NR-2
        Insurance Co
        US: Texas

        Statesman Insurance Company          02489  E            NR-4
        US: Indiana

--      Texas Select Lloyds                  11082  B              B+
        Insurance Company
        US: Texas

--      TIG American Specialty               01904  B+          B++ u
        Insurance Company
        US: Texas

-       TIG Indemnity Company                02512  B+          B++ u
        US: California

-       TIG Insurance Company                02507  B+          B++ u
        US: California

-       TIG Insurance Company of             03760  B+          B++ u
        Colorado
        US: Colorado

-       TIG Insurance Company of             02508  B+          B++ u
        Michigan
        US: Michigan

-       TIG Insurance Company of             02511  B+          B++ u
        New York
        US: New York

-       TIG Insurance Company of Texas       02510  B+          B++ u
        US: Texas

-       TIG Insurance Corporation of         02505  B+          B++ u
        America
        US: Michigan

-       TIG Insurance Group                  00090  B+          B++ u
        US: Texas

-       TIG Lloyds Insurance Company         02863  B+          B++ u
        US: Texas

-       TIG Premier Insurance Company        02504  B+          B++ u
        US: California

-       TIG Specialty Insurance              02502  B+          B++ u
        Company
        US: California

-       Ulico Casualty Company               02623  B             B++
        US: Delaware

-       Ulico Indemnity Company              11329  B             B++
        US: Arkansas

-       Ulico Insurance Group                18535  B             B++
        US: Delaware

-       Ulico Standard of America            11573  B-              B
        Casualty Co
        US: California

+       United Financial Casualty Company    01900  A+              A
        US: Ohio

New     Unitrin Auto & Home Insurance        12560  A
        Company
        US: New York

New     Unitrin Preferred Insurance          12561  A
        Company
        US: New York

-       Valor Insurance Company              10762  F               E
        US: Illinois

-       Vesta Fire Insurance Corporation     04407  B              B+
        US: Illinois

-       Vests Insurance Corporation          01813  B              B+
        US: Illinois

-       Vests Insurance Group                05681  B              B+
        Incorporated
        US: Alabama

+       Wasatch Crest Mutual Insurance       10111  C++             D
        Company
        US: Utah

        Washington Casualty Company          11243  E            NR-4
        US: Washington

-       Wausau Business Insurance            02550  A              A+
        Company
        US: Wisconsin

-       Wausau General Insurance             04274  A              A+
        Company
        US: Wisconsin

-       Wausau Underwriters                  00956  A              A+
        Insurance Company
        US: Wisconsin

-       Western Professional                 12240  B++            A-
        Insurance Company
        US: Washington

International

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

-       Allianz Marine & Aviation            86992  A+          A++ u
        (France)
        France

-       Allianz Aktiengesellschaft           85014  A+          A++ u
        Germany

-       Allianz Cornhill Insurance plc       86373  A+          A++ u
        United Kingdom

-       Allianz Lebensversicherungs-AG       85015  A+          A++ u
        Germany

-       Allianz Private                      85942  A+          A++ u
        Krankenversicherungs-AG
        Germany

-       Allianz Versicherungs-AG             85473  A+          A++ u
        Germany

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

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

-       Annuity and Life Reassurance,        86698  B- u         B+ u
        Ltd
        Bermuda

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

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

+       Axis Re Ltd                          83008  A              A-
        Ireland

+       Axis Specialty Europe Limited        83007  A              A-
        Ireland

+       Axis Specialty Umited                84766  A              A-
        Bermuda

-       Bayeriache Versicherungsbank AG      86590  A+          A++ u
        Germany

        Co-operative Insurance Soc Ltd       87283  NR-5         A pd
        United Kingdom

        Co-operative Insurance               87801  B+ pd        NR-5
        Society Limited
        United Kingdom

        Co-operative Insurance               87284  NR-5        8+ pd
        Society Ltd
        United Kingdom

New     CRC (Bermuda) Reinsurance            86437  A-           NR-5
        Limited
        Bermuda

-       Electro Re SA                        56699  B++            A-
        Luxembourg

-       Frankfurter Veriacherungs-AG         86591  A+          A++ u
        Germany

New     Hannover Rueckversicherungs-AG       84092  A+           NR-5
        Germany

-       Hermes Kreditversicherungs-AG        86996  A+          A++ u
        Germany

-       Liberty International                87184  A              A+
        Insurance Company
        Ireland

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

New     Lloyd's Syndicate 1414               48930  A+ s
        United Kingdom

        Mitsui Sumitomo Ins                  85365  NR-5        B+ pd
        Co (Europe), Ltd.
        United Kingdom

-       National Warranty Ins RRG            11609  B++            A-
        Cayman Islands

        Pinnacle Insurance plc               87802  B+ pd        NR-5
        United Kingdom

        Pinnacle Insurance plc               87523  NR-5       B++ pd
        United Kingdom

        Raffles Insurance Group              25030  NR-5           A-
        Cayman Islands

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

-       Top Layer Reinsurance Ltd            87157  A+            A++
        Bermuda

-       Winterthur Group                     85342  Au             A+
        Switzerland

-       Winterthur Life Insurance            85343  A u            A+
        Company
        Switzeriand

-       Winterthur Swiss Insurance           85341  A u            A+
        Company
        Switzerland

Life/Health

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

U       Employers Modern Life Company        06339  A- u           A-
        US: Iowa

U       Merrill Lynch Life Insurance         09537  A u             A
        Company
        US: Arkansas

U       ML Life Insurance Company of         08487  A u             A
        New York
        US: New York

U       National Travelers Life Company      06806  B+ u           B+
        US: Iowa

Property/Casualty

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

U       Blue Ridge Indemnity Company         02839  A u             A
        US: Connecticut

U       Blue Ridge Insurance Company         02420  A u             A
        US: Connecticut

U       General Casualty Companies           04927  A u             A
        US: Wisconsin

U       General Casualty Company of          04242  A u             A
        Illinois
        US: Illinois

U       General Casualty Company of          02416  A u             A
        Wisconsin
        US: Wisconsin

U       Hoosier Insurance Company            00543  A u             A
        US: Indiana

U       MassWest Insurance Company, Inc      10755  A u             A
        US: Massachusetts

U       Narragansett Bay Insurance           01750  B- u           B-
        Company
        US: Rhode Island

U       National Merit Insurance             02701  A u             A
        Company
        US: Washington

U       Pawtucket Mutual Group               05665  B- u           B-
        US: Rhode Island

U       Pawtucket Mutual Insurance           00755  B- u           B-
        Company
        US: Rhode Island

U       Realm National Insurance             00567  C++ u         C++
        Company
        US: New York

U       Regent Insurance Company             02418  A u             A
        US: Wisconsin

U       Unigard Indemnity Company            04278  Au              A
        US: Washington

U       Unigard Insurance Company            02370  A u             A
        US: Washington

U       Unigard Insurance Group              03924  Au              A
        US: Washington

U       Unigard Pacific Insurance            00383  A u             A
        Company
        US: Washington

International

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

U       BRIT Insurance Limited               86954  A u             A
        United Kingdom

U       Professional Risks Insurance         84954  A- u            A-
        Limited
        United Kingdom

Rating Action: (+) or (-) Rating upgraded or downgraded

(New) Assigned initial rating

(u) Rating placed under review

RELATED ARTICLE: 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 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.

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 .

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.

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.

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Title Annotation:	U.S. insurance industry ratings
Publication:	Best's Review
Geographic Code:	1USA
Date:	May 1, 2003
Words:	2710
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