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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 July July: 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 19 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

           AGC Life Insurance                      09199  NR-2
           Company
           US: Missouri

New        American Equity Investment              60367  A-
           Life Ins NY
           US: New York

           American Financial Life                 09107  NR-2
           Insurance Co
           US: Texas

           American Life Insurance                 06081  NR-2
           Company
           US: Delaware

+          American Memorial Life                  06942  A
           Insurance Company
           US: South Dakota

           Aurora National Life                    06139  NR-2
           Assurance Company
           US: California

-          AXA Corporate Solutions                 09083  A u
           Life Reinsurance
           US: Delaware

           Bankers Life Insurance                  60038  NR-2
           Company of IL
           US: Illinois

           Bankers National Life                   06155  NR-2
           Insurance Company
           US: Texas

+          Bluebonnet Life                         68175  A
           Insurance Company
           US: Mississippi

           Cameron Life Insurance                  68018  NR-2
           Company
           US: Missouri

New        Canada Life Insurance Co                60378  A+
           of Puerto Rico
           US: Puerto Rico

           Central Investors                       06197  NR-2
           Life Ins Co of IL
           US: Illinois

           Central Security Life                   06204  NR-2
           Insurance Company
           US: Texas

           Champions Life                          07559  NR-2
           Insurance Company
           US: Texas

New        CIGNA Worldwide                         08944  A
           Insurance Company
           US: Delaware

           Citizens Insurance                      06228  NR-2
           Company of America
           US: Colorado

New        CNA Group Life                          07681  A
           Assurance Company
           US: Illinois

           Colonial Security Life                  07604  NR-2
           Insurance Company
           US: Texas

           Connecticut Life                        68095  NR-2
           Insurance and Ann Corp
           US: Arizona

           Consolidated General                    06271  NR-2
           Life Insurance Co
           US: Texas

           Continental Life                        06286  NR-2
           Insurance Co of SC
           US: South Carolina

           Continental Life                        07603  NR-2
           Insurance Company
           US: Pennsylvania

           Desjardins Financial                    69306  A- pd
           Security
           Canada: Quebec

           Equitable Life Insurance                06343  B++ pd
           Co of CA
           Canada: Ontario

           Financial Assurance Life                08094  NR-2
           Insurance Co
           US: Texas

+          First Penn-Pacific Life                 06904  A+
           Insurance Co
           US: Indiana

           Insurance Investors Life                08406  NR-2
           Insurance Co
           US: Texas

           Interstate Bankers Life                 09095  NR-2
           Insurance Co
           US: Illinois

           Investors Life Insurance                06562  NR-3
           Company of IN
           US: Indiana

           Life Assurance                          08635  NR-2
           Company Inc
           US: Oklahoma

           Life Insurance Company                  07775  NR-2
           of Louisiana
           US: Louisiana

           Life Protection                         06653  NR-2
           Insurance Company
           US: Texas

           LifeUSA Insurance Company               06393  NR-3
           US: Minnesota

+          Lincoln L & A Co of NY                  60206  A+
           US: New York

+          Lincoln National Life                   06664  A+
           Insurance Co
           US: Indiana

-          Manhattan Life                          06686  B++
           Insurance Company
           US: New York

           Marquette Indemnity &                   08804  NR-2
           Life Insurance Co
           US: Arizona

           Mid-Continent Life                      06707  NR-1
           Insurance Company
           US: Oklahoma

           NAP Life Insurance                      09485  NR-2
           Company
           US: Texas

+          NGL American Life                       09322  B++
           Insurance Company
           US: Wisconsin

           North American National                 68250  NR-2
           Life Ins Co
           US: Arizona

           Ohio Motorists Life                     68360  NR-2
           Insurance Company
           US: Ohio

           Preservation Life                       68602  NR-3
           Insurance Company
           US: Missouri

           Regal Life Insurance                    68064  NR-2
           Company
           US: Maryland

           Rushmore National Life                  07014  NR-3
           Insurance Company
           US: South Dakota

+          Settlers Life Insurance                 68040  B++
           Company
           US: Virginia

+          Southern Farm Bureau                    07053  A+
           Life Insurance Co
           US: Mississippi

           Southern Financial                      60006  NR-2
           Life Insurance Co
           US: Louisiana

           Southern Protective                     08964  NR-2
           Life Insurance Co
           US: Florida

           State Life Insurance                    07255  NR-2
           Fund (State of WI)
           US: Wisconsin

New        Sterling Life Insurance                 08021  A-
           Company
           US: Illinois

           Stonebridge Insurance                   06444  NR-2
           Company
           US: Wisconsin

           Sunland Life Insurance                  07103  NR-2
           Company
           US: Texas

           Surety American Life                    09393  NR-2
           Insurance Company
           US: Texas

           United Fidelity Life                    07169  NR-2
           Insurance Company
           US: Texas

           United Mercantile Life                  09089  NR-2
           Insurance Company
           US: Texas

           United National Life                    06236  NR-2
           Ins Co of America
           US: Illinois

           USLIFE Credit Life                      68108  NR-2
           Insurance Co of AZ
           US: Arizona

           Venture Life Insurance                  09472  NR-2
           Company
           US: Arizona

           Western American Life                   07404  NR-2
           Insurance Company
           US: Texas

           Western Mutual                          68150  NR-2
           Insurance Company
           US: Utah

           Windsor Life Insurance                  68306  NR-2
           Company
           US: Texas

           World Service Life                      06091  NR-2
           Insurance Company
           US: Colorado

Health
Care

New        Access Dental Plan                      64655  A-
           US: California

+          Blue Cross & BS of MS                   60217  A
           a Mutual Ins Co
           US: Mississippi

New        HMO New Mexico                          68796  A
           US: New Mexico

New        HumanaDental Insurance                  07254  A-
           Company
           US: Wisconsin

           Kaiser Foundation                       68530  NR-5
           Health Plan - HI Reg
           US: Hawaii

           MetroPlus Health Plan                   64292  NR-5
           US: New York

New        Network Health                          64708  B++
           Insurance Corporation
           US: Wisconsin

New        Network Health Plan of                  68627  B++
           Wisconsin Inc
           US: Wisconn

-          Oregon Dental Service                   64364  B++
           US: Oregon

New        Premier Access                          60375  A-
           Insurance Co
           US: California

New        Protective Dentalcare                   64677  A-
           of New Jersey Inc
           US: New Jersey

New        United Dental Care of                   64674  A-
           Colorado Inc
           US: Colorado

-          United Security Life                    08442  C+
           Insurance Co of IL
           US: Illinois

           Univera Healthcare -                    68777  NR-5
           CNY Inc
           US: New York

           Wellmark Community                      09504  NR-3
           Insurance Inc
           US: Iowa

+          Wellmark of South                       60207  A
           Dakota Inc
           US: South Dakota

Property/
Casualty

New        A. Central Insurance                    12475  A+
           Company
           US: New York

-          Academic Health                         11372  B+
           Professionals Ins Assn
           US: NewYork

           Acceleration National                   03810  NR-5
           Insurance Company
           US: Ohio

+          ACIG Insurance Company                  10689  A
           US: Illinois

           Aioi Insurance Company of America       03746  NR-5
           US: New York

           Alea North America                      11432  NR-1
           Reinsurance Company
           US: Delaware

           American Agents                         12052  NR-5
           Insurance Company
           US: New York

+          American Contractors                    10010  A
           Insurance Co RRG
           US: Texas

+          American Contractors                    18067  A
           Insurance Group
           US: Texas

+          American Premier                        10776  A
           Insurance Company
           US: Indiana

+          AmeriTrust Insurance                    12011  B+
           Corporation
           US: Florida

           Amstar Insurance                        11044  NR-3
           Company
           US: Florida

-          Associated Induatries                   11693  B+
           Insurance Co, Inc
           US: Florida

           Assurances Gen.                         86005  A- pd
           Caisses Desjardins
           Canada: Ouebec

-          Athena Assurance                        01704  A
           Company
           US: Minnesota

-          Atlanta Casualty                        04661  A
           Company
           US: Ohio

           Atlanta Casualty Pool                   18093  NR-5
           US: Ohio

+          Atlanta Reserve                         12288  A
           Insurance Company
           US: Ohio

+          Atlanta Specialty                       11680  A
           Insurance Company
           US: Ohio

-          AXA Corporate                           03718  A- u
           Solutions Insurance Co
           US: New York

-          AXA Corporate Solutions                 12315  Au
           Lloyds Ins Co TX
           US: Texas

-          AXA Corporate Solutions                 03811  A u
           Reinsurance Co
           US: Delaware

-          AXA Re America                          12329  A u
           Insurance Company
           US: Delaware

-          AXA Re Property &                       04779  A u
           Casualty Ins Co
           US: Delaware

New        Balboa Lloyds                           12495  A
           Insurance Company
           US: Texas

           Caliber One Indemnity                   03194  NR-3
           Company
           US: Delaware

-          Casualty Reciprocal                     02141  B-u
           Exchange
           US: Missouri

New        New Central Services                    18562  A+
           Group
           US: New York

           Cherry Valley Co-                       01988  NR-4
           Operative Insurance Co
           US: New York

           Colonial Cooperative                    03229  NR-3
           Insurance Company
           US: New York

-          Combined Specialty                      02314  A
           Insurance Co
           US: Illinois

New        New Combined Specialty                  18588  A
           Insurance Companies
           US: Illinois

-          Connecticut Surety                      10754  F
           Company
           US: Connecticut

+          Consolidated                            10805  B+
           P & C Ins Co
           US: Florida

+          Country-Wide                            00301  B
           Insurance Company
           US: New York

           Cumberland Surety                       10766  NR-5
           Insurance Company, Inc
           US: Kentucky

-          Discover Property and                   03792  A
           Casualty Ins Co
           US: Illinois

-          Discover Specialty                      11763  A
           Insurance Company
           US: Illinois

-          Dodson Group Insurers                   00314  B-u
           US: Missouri

+          Eastern Alliance                        12115  B++
           Insurance Company
           US: Pennsylvania

-          Eastern Dentists Insurance Co           11397  B
           (A RRG)
           US: Vermont

New        ECM Group                               18547  B+
           US: Pennsylvania

New        Enumclaw Group                          18586  A
           US: Washington

New        Enumclaw Property & Casualty            12511  A
           Ins Co
           US: Washington

-          Equity Mutual Insurance                 02142  B- u
           Company
           US: Missouri

-          Eveready Insurance Company              03058  B
           US: New York

-          Everett Cash Mutual Insurance           04351  B+
           Company
           US: Pennsylvania

+          Farmers Union Co-Op Ins Co              04285  A
           of NE, Inc
           US: Nebraska

-          Fidelity and Guaranty Ins               02538  A
           Undrwtr, Inc
           US: Wisconsin

-          Fidelity and Guaranty                   03762  A
           Insurance Company
           US: Iowa

+          Florida Lawyers Mutual                  10751  A-
           Insurance Company
           US: Florida

-          Florida Select Insurance                11869  B+
           Company
           US: Florida

           Fremont Compensation                    02579  NR-5
           Insurance Company
           US: California

           Fremont Compensation                    18296  NR-5
           Insurance Grp, Inc
           US: California

           Fremont Pacific Insurance               02731  NR-5
           Company
           US: California

-          GeoVera Insurance Company               12075  A
           US: Maryland

           Gore Mutual Insurance Company           85752  B+ pd
           Canada: Ontario

-          Granada Insurance Company               00334  B+
           US: Florida

-          Hereford Insurance Company              02494  B-
           US: New York

           HIH America Insurance Company           12004  NR-5
           of HI Inc
           US: Hawaii

           Hochheim Prairie Casualty               03817  NR-4
           Insurance Co
           US: Texas

           Hochheim Prairie Farm Mutual            03814  NR-4
           Ins Asan
           US: Texas

           Hochheim Prairie Group                  03862  NR-4
           US: Texas

           Hochheim Prairie Insurance              02781  NR-4
           Company
           US: Texas

New        Indiana Lumbermens Group                18561  B++
           US: Indiana

           Infinity Insurance Pool                 18179  NR-5
           US: Indiana

+          Insurance Corporation of                02643  A+ u
           Hannover
           US: Illinois

           Kings Mutual Insurance Company          87056  NR-5
           Canada: Nova Scotia

+          Leader Insurance Company                00555  A
           US: Ohio

           Leader Insurance Pool                   18312  NR-5
           US: Ohio

+          Leader Preferred Insurance              11745  A
           Company
           US: Ohio

+          Leader Specialty Insurance              11669  A
           Company
           US: Indiana

New        Legal Mutual Liability Ins              10684  B+
           Soc of MD
           US: Maryland

-          London Guarantee Insurance              86417  A
           Company
           Canada: Ontario

New        Lone Star National Insurance            12473  B++
           Company
           US: Illinois

New        Louisiana Retailers Mutual              12200  B++
           Insurance Co
           US: Louisiana

+          Meadowbrook Insurance Group             18132  B+
           US: Michigan

           Mortgage Guarantee & Title              11841  NR-5
           Company
           US: Rhode Island

           Mutual Fire and Automobile              00660  NR-5
           Insurance Co
           US: Iowa

-          Mutual Fire Insurance Co in             04735  B-
           Calvert Cty
           US: Maryland

New        National Building Material              12474  B++
           Assurance Co
           US: Illinois

New        Nevada Capital Insurance                12493  A
           Company
           US: Nevada

           New England Fidelity                    12102  NR-5
           Insurance Company
           US: Massachusetts

+          Newport Bonding and Surety              11317  B+
           Company
           US: Puerto Rico

-          Northbrook P & C Ins Co                 02016  A
           US: Illinois

-          Pacific Select Property                 12042  A
           Insurance Co
           US: California

           Palmetto Hospital Trust                 55014  NR-4
           US: South Carolina

-          PAULA Insurance Company                 03658  F
           US: California

           Penn Mutual Group                       18531  NR-4
           US: Pennsylvania

           Penn Mutual Insurance Company           00761  NR-4
           US: Pennsylvania

           Personal General                        86006  A- pd
           Insurance Inc.
           Canada: Ouebec

           Personal Insurance Company              85776  B+ pd
           of CA
           Canada: Ouebec

New        Premier Insurance Exch, RRG             11151  A-
           US: Vermont

           Primmum Insurance Company               87021  B++ pd
           Canada: Ontario

           RBC General Insurance Company           87083  B+ pd
           Canada: Ontario

           RBC Travel Insurance Company            86243  B++ pd
           Canada: Ontario

           Reliance Direct Insurance               12074  NR-5
           Company
           US: Pennsylvania

           Reliance Insurance Company              02419  NR-5
           US: Pennsylvania

           Reliance Insurance Company of           04271  NR-5
           Illinois
           US: Illinois

           Reliance Lloyds                         02716  NR-5
           US: Texas

           Reliance National Indemnity             02417  NR-5
           Company
           US: Wisconsin

           Reliance National Insurance             10636  NR-5
           Company
           US: Delaware

           Reliance Surety Company                 11213  NR-5
           US: Delaware

           Reliance Universal Insurance            11310  NR-5
           Company
           US: California

+          Savers P & C Ins Co                     00524  B+
           US: Missouri

-          Seaboard Surety Company                 00823  A
           US: New York

-          Security Indemnity Insurance            10420  C
           Company
           US: New Jersey

           Security National Insurance             87089  B+ pd
           Company
           Canada: Ouebec

New        Sheffield Insurance                     12515  A
           Corporation
           US: Illinois

           Sheffield Insurance                     01844  NR-5
           Corporation
           US: Illinois

New        Specialty Auto Group                    18584  A
           US: Ohio

-          Springfield Insurance Company           10813  C++
           US: California

-          St Paul Companies                       00080  A
           US: Minnesota

-          St Paul Fire & Casualty                 01701  A
           Insurance Co
           US: Wisconsin

-          St Paul Fire and Marine                 02452  A
           Insurance Co
           US: Minnesota

-          St Paul Guardian                        04311  A
           Insurance Company
           US: Minnesota

-          St Paul Insurance Company               04871  A
           of IL
           US: Illinois

-          St Paul Insurance Company of            01703  A
           N Dakota
           US: North Dakota

-          St Paul Medical Liability Insurance Co  01705  A
           US: Minnesota

-          St Paul Mercury Insurance               02453  A
           Company
           US: Minnesota

-          St Paul Property & Casualty             01702  A
           Insurance Co
           US: Nebraska

-          St Paul Surplus Lines                   03592  A
           Insurance Company
           US: Delaware

+          Star Insurance Company                  00695  B+
           US: Michigan

-          Superior American                       11704  C++
           Insurance Company
           US: Florida

-          Superior Guaranty                       11705  C++
           Insurance Company
           US: Florida

-          Superior Insurance Company              00874  C++
           US: Florida

-          Superior Insurance Group                18308  C++
           US: Florida

           TD General Insurance                    87028  B+ pd
           Company
           Canada: Quebec

-          Texas Builders Insurance                11371  C
           Company
           US: Texas

+          Texas Hospital Insurance                03650  C+
           Exchange
           US: Texas

+          The Merchants Property                  00592  A-
           Insurance Co IN
           US: Indiana

+          TICO Insurance Company                  02515  A
           US: Ohio

New        Tower Bonding and Surety                12250  B
           Company Inc
           US: Puerto Rico

           Traders Insurance Company               01875  NR-1
           US: Missouri

           Unistar Insurance Company               10479  NR-5
           US: Texas

-          United Equitable Insurance              02460  C++
           Company
           US: Illinois

           United Pacific Insurance                02537  NR-5
           Company
           US: Pennsylvania

-          United States Fidelity and              02539  A
           Guaranty Co
           US: Maryland

-          USF&G Family Insurance                  11795  A
           Company
           US: Maryland

-          USF&G Insurance Company                 11568  A
           of Mississippi
           US: Mississippi

-          USF&G Specialty Insurance               11678  A
           Company
           US: Maryland

+          Williamsburg National                   00263  B+
           Insurance Company
           US: California

           Windsor Insurance Pool                  03955  NR-5
           US: Indiana

-          Workmens Auto Insurance                 00980  B++
           Company
           US: California

+          American Contractors                    86794  A
           Insurance Group Ltd
           Bermuda

           American Life Insurance                 87682  NR-5
           Company UKB
           United Kingdom

-          AXA Corp Solutions Asia                 86116  A u
           Pacific Pte Ltd
           Singapore

-          AXA Corporate Solutions                 85219  A u
           France

-          AXA Corporate Solutions                 86219  A u
           Group
           France

New        Barbados Fire & Commercial              86979  A-
           Ins Co Ltd
           Barbados

           Canada Life Limited                     87449  B+ pd
           United Kingdom

           Century Life plc                        87269  C++ pd
           United Kingdom

-          CGRM (Compagnie Generale                86100  A u
           Re Monte Carlo)
           Monaco

           Credit Suisse Pooled                    87598  B++ pd
           Pensions Limited
           United Kingdom

           Guardian Linked Life                    85207  NR-5
           Assurance Limited
           United Kingdom

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

           J Rothschild Assurance plc              87410  A- pd
           United Kingdom

           JP Morgan Fleming Life                  87411  B+ pd
           Limited
           United Kingdom

           Landmark Insurance Company              87416  NR-5
           Limited
           United Kingdom

           Legal & General Assurance               85941  NR-5
           Society Ltd
           United Kingdom

           Legal & General Insurance               87423  NR-5
           Limited
           United Kingdom

           Legal and Gen Assur                     87422  NR-5
           Pens Mgmt Ltd
           United Kingdom

           Lincoln Assurance Limited               87429  B pd
           United Kingdom

New        Lloyds Syndicate 623                    48937  A s
           United Kingdom

           Lloyds TSB Life Assurance               87234  NR-5
           Company Ltd
           United Kingdom

           London and Edinburgh                    85643  NR-5
           Insurance Co Ltd
           United Kingdom

           Merrill Lynch Pensions                  87457  A- pd
           Limited
           United Kingdom

           Motors Insurance Company                87466  NR-5
           Limited
           United Kingdom

           National Mutual Life                    87480  NR-3
           Assurance Society
           United Kingdom

           National Westminster                    87475  A- pd
           Life Assur Ltd
           United Kingdom

           Nationwide Life Limited                 87482  B+ pd
           United Kingdom

           Northern Star Insurance                 87491  NR-5
           Company Limited
           United Kingdom

New        Professional Risks                      84954  A-
           Insurance Limited
           United Kingdom

           Royal National Pension                  87568  NR-3
           Fund for Nurses
           United Kingdom

           Royal Scottish Assurance Plc            87569  B+ pd
           United Kingdom

           Scottish Equitable                      87579  NR-5
           (Managed Funds) Ltd
           United Kingdom

           Scottish Equitable plc                  86884  B++ pd
           United Kingdom

           Scottish Provident Institution          87588  NR-3
           United Kingdom

           Scottish Widows Unit                    85949  NR-5
           Funds Ltd
           United Kingdom

           Scottish Widows plc                     84161  A pd
           United Kingdom

-          SPS Reassurance                         86670  A u
           France

-          St Paul International                   85363  A
           Insurance Co Ltd
           United Kingdom

-          St Paul Reinsurance                     85545  A
           Company Limited
           United Kingdom

           Sumitomo Marine & Fire                  87610  NR-5
           Ins Co Euro Ltd
           United Kingdom

           Sun Life Assurance Co of                87614  B+ pd
           Canada (UK) Ltd
           United Kingdom

           Threadneedle Pension                    87631  NR-5
           Limited
           United Kingdom

-          Through Transport Mutual                87148  B+
           Insurance Assoc
           Bermuda

New        Wellington Re Limited                   84806  A
           United Kingdom

Rating                                             Previous
Action     Company Name & Domicile                   Rating

Life

           AGC Life Insurance                          FPR7
           Company
           US: Missouri

New        American Equity Investment
           Life Ins NY
           US: New York

           American Financial Life                     FPR5
           Insurance Co
           US: Texas

           American Life Insurance                     FPR8
           Company
           US: Delaware

+          American Memorial Life                        A-
           Insurance Company
           US: South Dakota

           Aurora National Life                        FPR6
           Assurance Company
           US: California

-          AXA Corporate Solutions                       A+
           Life Reinsurance
           US: Delaware

           Bankers Life Insurance                      FPR6
           Company of IL
           US: Illinois

           Bankers National Life                       FPR6
           Insurance Company
           US: Texas

+          Bluebonnet Life                               A-
           Insurance Company
           US: Mississippi

           Cameron Life Insurance                      FPR4
           Company
           US: Missouri

New        Canada Life Insurance Co
           of Puerto Rico
           US: Puerto Rico

           Central Investors                           FPR3
           Life Ins Co of IL
           US: Illinois

           Central Security Life                       FPR4
           Insurance Company
           US: Texas

           Champions Life                              FPR4
           Insurance Company
           US: Texas

New        CIGNA Worldwide                             FPR5
           Insurance Company
           US: Delaware

           Citizens Insurance                          FPR4
           Company of America
           US: Colorado

New        CNA Group Life                              NR-3
           Assurance Company
           US: Illinois

           Colonial Security Life                      FPR4
           Insurance Company
           US: Texas

           Connecticut Life                            FPR3
           Insurance and Ann Corp
           US: Arizona

           Consolidated General                        FPR4
           Life Insurance Co
           US: Texas

           Continental Life                            FPR3
           Insurance Co of SC
           US: South Carolina

           Continental Life                            FPR4
           Insurance Company
           US: Pennsylvania

           Desjardins Financial                        NR-5
           Security
           Canada: Quebec

           Equitable Life Insurance                   B++ q
           Co of CA
           Canada: Ontario

           Financial Assurance Life                    FPR4
           Insurance Co
           US: Texas

+          First Penn-Pacific Life                        A
           Insurance Co
           US: Indiana

           Insurance Investors Life                    FPR6
           Insurance Co
           US: Texas

           Interstate Bankers Life                     FPR4
           Insurance Co
           US: Illinois

           Investors Life Insurance                      B+
           Company of IN
           US: Indiana

           Life Assurance                              FPR5
           Company Inc
           US: Oklahoma

           Life Insurance Company                      FPR4
           of Louisiana
           US: Louisiana

           Life Protection                             FPR4
           Insurance Company
           US: Texas

           LifeUSA Insurance Company                      A
           US: Minnesota

+          Lincoln L & A Co of NY                         A
           US: New York

+          Lincoln National Life                          A
           Insurance Co
           US: Indiana

-          Manhattan Life                                A-
           Insurance Company
           US: New York

           Marquette Indemnity &                       FPR4
           Life Insurance Co
           US: Arizona

           Mid-Continent Life                             E
           Insurance Company
           US: Oklahoma

           NAP Life Insurance                          FPR4
           Company
           US: Texas

+          NGL American Life                             B+
           Insurance Company
           US: Wisconsin

           North American National                     FPR4
           Life Ins Co
           US: Arizona

           Ohio Motorists Life                         FPR5
           Insurance Company
           US: Ohio

           Preservation Life                              A
           Insurance Company
           US: Missouri

           Regal Life Insurance                        FPR4
           Company
           US: Maryland

           Rushmore National Life                      FPR6
           Insurance Company
           US: South Dakota

+          Settlers Life Insurance                       B+
           Company
           US: Virginia

+          Southern Farm Bureau                           A
           Life Insurance Co
           US: Mississippi

           Southern Financial                          FPR3
           Life Insurance Co
           US: Louisiana

           Southern Protective                         FPR5
           Life Insurance Co
           US: Florida

           State Life Insurance                        FPR4
           Fund (State of WI)
           US: Wisconsin

New        Sterling Life Insurance                     NR-2
           Company
           US: Illinois

           Stonebridge Insurance                       FPR6
           Company
           US: Wisconsin

           Sunland Life Insurance                      FPR4
           Company
           US: Texas

           Surety American Life                        FPR4
           Insurance Company
           US: Texas

           United Fidelity Life                        FPR5
           Insurance Company
           US: Texas

           United Mercantile Life                      FPR4
           Insurance Company
           US: Texas

           United National Life                        FPR4
           Ins Co of America
           US: Illinois

           USLIFE Credit Life                          FPR6
           Insurance Co of AZ
           US: Arizona

           Venture Life Insurance                      FPR4
           Company
           US: Arizona

           Western American Life                       FPR4
           Insurance Company
           US: Texas

           Western Mutual                              FPR2
           Insurance Company
           US: Utah

           Windsor Life Insurance                      FPR6
           Company
           US: Texas

           World Service Life                          FPR5
           Insurance Company
           US: Colorado

Health
Care

New        Access Dental Plan                          NB-5
           US: California

+          Blue Cross & BS of MS                         A-
           a Mutual Ins Co
           US: Mississippi

New        HMO New Mexico                              NR-5
           US: New Mexico

New        HumanaDental Insurance                      NR-3
           Company
           US: Wisconsin

           Kaiser Foundation                         B++ pd
           Health Plan - HI Reg
           US: Hawaii

           MetroPlus Health Plan                        B-q
           US: New York

New        Network Health
           Insurance Corporation
           US: Wisconsin

New        Network Health Plan of                     C++ q
           Wisconsin Inc
           US: Wisconn

-          Oregon Dental Service                         A-
           US: Oregon

New        Premier Access
           Insurance Co
           US: California

New        Protective Dentalcare
           of New Jersey Inc
           US: New Jersey

New        United Dental Care of
           Colorado Inc
           US: Colorado

-          United Security Life                         C++
           Insurance Co of IL
           US: Illinois

           Univera Healthcare -                        C+ q
           CNY Inc
           US: New York

           Wellmark Community                            A-
           Insurance Inc
           US: Iowa

+          Wellmark of South                             A-
           Dakota Inc
           US: South Dakota

Property/
Casualty

New        A. Central Insurance
           Company
           US: New York

-          Academic Health                              B++
           Professionals Ins Assn
           US: NewYork

           Acceleration National                          F
           Insurance Company
           US: Ohio

+          ACIG Insurance Company                        A-
           US: Illinois

           Aioi Insurance Company of America           FPR5
           US: New York

           Alea North America                            A-
           Reinsurance Company
           US: Delaware

           American Agents                                F
           Insurance Company
           US: New York

+          American Contractors                          A-
           Insurance Co RRG
           US: Texas

+          American Contractors                          A-
           Insurance Group
           US: Texas

+          American Premier                              A-
           Insurance Company
           US: Indiana

+          AmeriTrust Insurance                           B
           Corporation
           US: Florida

           Amstar Insurance                               B
           Company
           US: Florida

-          Associated Induatries                        B++
           Insurance Co, Inc
           US: Florida

           Assurances Gen.                             A- q
           Caisses Desjardins
           Canada: Ouebec

-          Athena Assurance                              A+
           Company
           US: Minnesota

-          Atlanta Casualty                              A-
           Company
           US: Ohio

           Atlanta Casualty Pool                         A-
           US: Ohio

+          Atlanta Reserve                               A-
           Insurance Company
           US: Ohio

+          Atlanta Specialty                             A-
           Insurance Company
           US: Ohio

-          AXA Corporate                                  A
           Solutions Insurance Co
           US: New York

-          AXA Corporate Solutions                       A+
           Lloyds Ins Co TX
           US: Texas

-          AXA Corporate Solutions                       A+
           Reinsurance Co
           US: Delaware

-          AXA Re America                                A+
           Insurance Company
           US: Delaware

-          AXA Re Property &                             A+
           Casualty Ins Co
           US: Delaware

New        Balboa Lloyds
           Insurance Company
           US: Texas

           Caliber One Indemnity                        A u
           Company
           US: Delaware

-          Casualty Reciprocal                           B+
           Exchange
           US: Missouri

New        New Central Services
           Group
           US: New York

           Cherry Valley Co-                             B+
           Operative Insurance Co
           US: New York

           Colonial Cooperative                          A+
           Insurance Company
           US: New York

-          Combined Specialty                          A+ u
           Insurance Co
           US: Illinois

New        New Combined Specialty
           Insurance Companies
           US: Illinois

-          Connecticut Surety                             E
           Company
           US: Connecticut

+          Consolidated                                 B u
           P & C Ins Co
           US: Florida

+          Country-Wide                                   B
           Insurance Company
           US: New York

           Cumberland Surety                              F
           Insurance Company, Inc
           US: Kentucky

-          Discover Property and                         A+
           Casualty Ins Co
           US: Illinois

-          Discover Specialty                            A+
           Insurance Company
           US: Illinois

-          Dodson Group Insurers                         B+
           US: Missouri

+          Eastern Alliance                              B+
           Insurance Company
           US: Pennsylvania

-          Eastern Dentists Insurance Co                 B+
           (A RRG)
           US: Vermont

New        ECM Group
           US: Pennsylvania

New        Enumclaw Group
           US: Washington

New        Enumclaw Property & Casualty
           Ins Co
           US: Washington

-          Equity Mutual Insurance                       B+
           Company
           US: Missouri

-          Eveready Insurance Company                    B+
           US: New York

-          Everett Cash Mutual Insurance                 A-
           Company
           US: Pennsylvania

+          Farmers Union Co-Op Ins Co                    B+
           of NE, Inc
           US: Nebraska

-          Fidelity and Guaranty Ins                     A+
           Undrwtr, Inc
           US: Wisconsin

-          Fidelity and Guaranty                         A+
           Insurance Company
           US: Iowa

+          Florida Lawyers Mutual                       B++
           Insurance Company
           US: Florida

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

           Fremont Compensation                           E
           Insurance Company
           US: California

           Fremont Compensation                           E
           Insurance Grp, Inc
           US: California

           Fremont Pacific Insurance                      E
           Company
           US: California

-          GeoVera Insurance Company                     A+
           US: Maryland

           Gore Mutual Insurance Company              B++ q
           Canada: Ontario

-          Granada Insurance Company                     A-
           US: Florida

-          Hereford Insurance Company                    B+
           US: New York

           HIH America Insurance Company                  F
           of HI Inc
           US: Hawaii

           Hochheim Prairie Casualty                     C+
           Insurance Co
           US: Texas

           Hochheim Prairie Farm Mutual                  C+
           Ins Asan
           US: Texas

           Hochheim Prairie Group                        C+
           US: Texas

           Hochheim Prairie Insurance                    C+
           Company
           US: Texas

New        Indiana Lumbermens Group
           US: Indiana

           Infinity Insurance Pool                        A
           US: Indiana

+          Insurance Corporation of                     A u
           Hannover
           US: Illinois

           Kings Mutual Insurance Company             B++ q
           Canada: Nova Scotia

+          Leader Insurance Company                      A-
           US: Ohio

           Leader Insurance Pool                         A-
           US: Ohio

+          Leader Preferred Insurance                    A-
           Company
           US: Ohio

+          Leader Specialty Insurance                    A-
           Company
           US: Indiana

New        Legal Mutual Liability Ins                  NR-3
           Soc of MD
           US: Maryland

-          London Guarantee Insurance                    A+
           Company
           Canada: Ontario

New        Lone Star National Insurance
           Company
           US: Illinois

New        Louisiana Retailers Mutual                  NR-5
           Insurance Co
           US: Louisiana

+          Meadowbrook Insurance Group                    B
           US: Michigan

           Mortgage Guarantee & Title                    A+
           Company
           US: Rhode Island

           Mutual Fire and Automobile                   C++
           Insurance Co
           US: Iowa

-          Mutual Fire Insurance Co in                 B+ u
           Calvert Cty
           US: Maryland

New        National Building Material
           Assurance Co
           US: Illinois

New        Nevada Capital Insurance
           Company
           US: Nevada

           New England Fidelity                           F
           Insurance Company
           US: Massachusetts

+          Newport Bonding and Surety                     B
           Company
           US: Puerto Rico

-          Northbrook P & C Ins Co                       A+
           US: Illinois

-          Pacific Select Property                       A+
           Insurance Co
           US: California

           Palmetto Hospital Trust                        D
           US: South Carolina

-          PAULA Insurance Company                        E
           US: California

           Penn Mutual Group                            C++
           US: Pennsylvania

           Penn Mutual Insurance Company                C++
           US: Pennsylvania

           Personal General                           B++ q
           Insurance Inc.
           Canada: Ouebec

           Personal Insurance Company                  NR-5
           of CA
           Canada: Ouebec

New        Premier Insurance Exch, RRG                 NR-5
           US: Vermont

           Primmum Insurance Company                   B+ q
           Canada: Ontario

           RBC General Insurance Company               B+ q
           Canada: Ontario

           RBC Travel Insurance Company               B++ q
           Canada: Ontario

           Reliance Direct Insurance                      F
           Company
           US: Pennsylvania

           Reliance Insurance Company                     F
           US: Pennsylvania

           Reliance Insurance Company of                  F
           Illinois
           US: Illinois

           Reliance Lloyds                                F
           US: Texas

           Reliance National Indemnity                    F
           Company
           US: Wisconsin

           Reliance National Insurance                    F
           Company
           US: Delaware

           Reliance Surety Company                        F
           US: Delaware

           Reliance Universal Insurance                   F
           Company
           US: California

+          Savers P & C Ins Co                            B
           US: Missouri

-          Seaboard Surety Company                       A+
           US: New York

-          Security Indemnity Insurance                  B-
           Company
           US: New Jersey

           Security National Insurance                 B+ q
           Company
           Canada: Ouebec

New        Sheffield Insurance
           Corporation
           US: Illinois

           Sheffield Insurance                           B+
           Corporation
           US: Illinois

New        Specialty Auto Group
           US: Ohio

-          Springfield Insurance Company                  B
           US: California

-          St Paul Companies                             A+
           US: Minnesota

-          St Paul Fire & Casualty                       A+
           Insurance Co
           US: Wisconsin

-          St Paul Fire and Marine                       A+
           Insurance Co
           US: Minnesota

-          St Paul Guardian                              A+
           Insurance Company
           US: Minnesota

-          St Paul Insurance Company                     A+
           of IL
           US: Illinois

-          St Paul Insurance Company of                  A+
           N Dakota
           US: North Dakota

-          St Paul Medical Liability Insurance Co        A+
           US: Minnesota

-          St Paul Mercury Insurance                     A+
           Company
           US: Minnesota

-          St Paul Property & Casualty                   A+
           Insurance Co
           US: Nebraska

-          St Paul Surplus Lines                         A+
           Insurance Company
           US: Delaware

+          Star Insurance Company                         B
           US: Michigan

-          Superior American                             B-
           Insurance Company
           US: Florida

-          Superior Guaranty                             B-
           Insurance Company
           US: Florida

-          Superior Insurance Company                    B-
           US: Florida

-          Superior Insurance Group                      B-
           US: Florida

           TD General Insurance                        NR-2
           Company
           Canada: Quebec

-          Texas Builders Insurance                      B-
           Company
           US: Texas

+          Texas Hospital Insurance                       C
           Exchange
           US: Texas

+          The Merchants Property                       B++
           Insurance Co IN
           US: Indiana

+          TICO Insurance Company                        A-
           US: Ohio

New        Tower Bonding and Surety                    NR-2
           Company Inc
           US: Puerto Rico

           Traders Insurance Company                     B-
           US: Missouri

           Unistar Insurance Company                      F
           US: Texas

-          United Equitable Insurance                    B-
           Company
           US: Illinois

           United Pacific Insurance                       F
           Company
           US: Pennsylvania

-          United States Fidelity and                    A+
           Guaranty Co
           US: Maryland

-          USF&G Family Insurance                        A+
           Company
           US: Maryland

-          USF&G Insurance Company                       A+
           of Mississippi
           US: Mississippi

-          USF&G Specialty Insurance                     A+
           Company
           US: Maryland

+          Williamsburg National                          B
           Insurance Company
           US: California

           Windsor Insurance Pool                         A
           US: Indiana

-          Workmens Auto Insurance                       A-
           Company
           US: California

+          American Contractors                          A-
           Insurance Group Ltd
           Bermuda

           American Life Insurance                    B++ q
           Company UKB
           United Kingdom

-          AXA Corp Solutions Asia                       A+
           Pacific Pte Ltd
           Singapore

-          AXA Corporate Solutions                       A+
           France

-          AXA Corporate Solutions                       A+
           Group
           France

New        Barbados Fire & Commercial                  NR-5
           Ins Co Ltd
           Barbados

           Canada Life Limited                        B++ q
           United Kingdom

           Century Life plc                             B q
           United Kingdom

-          CGRM (Compagnie Generale                      A+
           Re Monte Carlo)
           Monaco

           Credit Suisse Pooled                       B++ q
           Pensions Limited
           United Kingdom

           Guardian Linked Life                       B++ q
           Assurance Limited
           United Kingdom

           HSBC Life (UK) Limited                      A- q
           United Kingdom

           J Rothschild Assurance plc                  A- q
           United Kingdom

           JP Morgan Fleming Life                      NR-5
           Limited
           United Kingdom

           Landmark Insurance Company                  B+ q
           Limited
           United Kingdom

           Legal & General Assurance                    A q
           Society Ltd
           United Kingdom

           Legal & General Insurance                    A q
           Limited
           United Kingdom

           Legal and Gen Assur                        B++ q
           Pens Mgmt Ltd
           United Kingdom

           Lincoln Assurance Limited                   B+ q
           United Kingdom

New        Lloyds Syndicate 623
           United Kingdom

           Lloyds TSB Life Assurance                   A- q
           Company Ltd
           United Kingdom

           London and Edinburgh                        B+ q
           Insurance Co Ltd
           United Kingdom

           Merrill Lynch Pensions                      A- q
           Limited
           United Kingdom

           Motors Insurance Company                   B++ q
           Limited
           United Kingdom

           National Mutual Life                        A- q
           Assurance Society
           United Kingdom

           National Westminster                       B++ q
           Life Assur Ltd
           United Kingdom

           Nationwide Life Limited                     B+ q
           United Kingdom

           Northern Star Insurance                     B+ q
           Company Limited
           United Kingdom

New        Professional Risks
           Insurance Limited
           United Kingdom

           Royal National Pension                     B++ q
           Fund for Nurses
           United Kingdom

           Royal Scottish Assurance Plc                A- q
           United Kingdom

           Scottish Equitable                          A- q
           (Managed Funds) Ltd
           United Kingdom

           Scottish Equitable plc                      A- q
           United Kingdom

           Scottish Provident Institution             B++ q
           United Kingdom

           Scottish Widows Unit                        A- q
           Funds Ltd
           United Kingdom

           Scottish Widows plc
           United Kingdom

-          SPS Reassurance                               A+
           France

-          St Paul International                         A+
           Insurance Co Ltd
           United Kingdom

-          St Paul Reinsurance                           A+
           Company Limited
           United Kingdom

           Sumitomo Marine & Fire                      B+ q
           Ins Co Euro Ltd
           United Kingdom

           Sun Life Assurance Co of                   B++ q
           Canada (UK) Ltd
           United Kingdom

           Threadneedle Pension                        A- q
           Limited
           United Kingdom

-          Through Transport Mutual                      A-
           Insurance Assoc
           Bermuda

New        Wellington Re Limited
           United Kingdom

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

(New)  Assigned initial raing

(U) Rating placed  under review
Ratings Under Review

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

Life

U              Lyndon Life Insurance       08830  A- u           A-
               Company
               US: Illinois

Property/
Casualty

U              AXA Corporate Solutions     10785  A- u           A-
               E&S Line Ins Co
               US: Delaware

U              Bankers Independent         00200  B+ u           B+
               Insurance Company
               US: Maryland

U              Commercial Casualty
               Insurance Co of NC          11059  A- u           A-
               US: North Carolina

U              Commercial Mutual           11627  B++ u         B++
               Insurance Company
               US: Georgia

U              Cornerstone Mutual          11626  B++ u         B++
               Insurance Company
               US: Georgia

U              Covenant Group (GA)         18521  B++ u         B++
               US: Georgia

U              Delta Insurance Services    18433  A- u           A-
               Group
               US: Georgia

U              Georgia Mutual Insurance    04051  A- u           A-
               A Stock Company
               US: Georgia

U              Kansas Medical Mutual       11382  B+ u           B+
               Insurance Company
               US: Kansas

U              Manufacturers Alliance      02626  A- u           A-
               Insurance Company
               US: Pennsylvania

U              Pennsylvania                00760  A- u           A-
               Mnufacturers Assoc Ins Co
               US: Pennsylvania

U              Pennsylvania                01733  A- u           A-
               Manufacturers Indemnity Co
               US: Pennsylvania

U              PMA Capital Insurance       02707  A u             A
               Insurance Company
               US: Pennsylvania

U              PMA Capital Insurance       18436  A u             A
               Group
               US: Pennsylvania

U              PMA Insurance Group         18200  A- u           A-
               US: Pennsylvania

U              Trans Guard Insurance       00327  A u             A
               Company of America
               US: Illinois

International

U              AXA Corporate Solutions     86926  A u             A
               Assurance
               France

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 AM. 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 Best Week 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 Best's Ratings

B and B-                               Fair
C++ and C+                         Marginal
Cand 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.
COPYRIGHT 2002 A.M. Best Company, Inc.
No portion of this article can be reproduced without the express written permission from the copyright holder.
Copyright 2002, Gale Group. All rights reserved. Gale Group is a Thomson Corporation Company.

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Date:Aug 1, 2002
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