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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 June June: 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 23 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

        American Life and Accident Insurance Co   06079  NR-3
        US: Texas

        Arkansas National Life Insurance Company  07507  NR-2
        US: Arkansas

-       Catholic Family Life Insurance            06189  B+
        US: Wisconsin

+       Cherokee National Life Insurance Company  06214  A-
        US: Georgia

        CIGNA Life Insurance Company of Canada    68625  B+ pd
        Canada: Ontario

+       Clarica Life Insurance Company            06750  A++
        Canada: Ontario

        CNA Life Insurance Co of Canada           66839  B pd
        Canada: Ontario

        Colonial Life Insurance Company of Texas  08864  NR-2
        US: Texas

        CUMIS Life Insurance Company              08815  B++ pd
        Canada: Ontario

+       EquiTrust Life Insurance Company          60315  A
        US: Iowa

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

        Leaders Life Insurance Company            68017  NR-2
        US: Oklahoma

-       London Pacific Ufe & Annuity Company      07056  B u
        US: North Carolina

+       Mayflower National Life Insurance Co      07305  B-
        US: Indiana

+       National Capital Life Insurance Company   68193  B-
        US: Texas

        Old Reliance Insurance Company            06861  NR-5
        US: Arizona

+       Pioneer Mutual Life Insurance Company     06933  A-
        US: North Dakota

        Primerica Life Insurance Company of CN    60156  B++ pd
        Canada: Ontario

-       Protected Home Mutual Life Insurance Co   06961  B
        US: Pennsylvania

        Reliable Life Insurance Company           09049  B+ pd
        Canada: Ontario

        Scotia Life Insurance Company             66845  B++ pd
        Canada: Ontario

+       Security Plan Life Insurance Company      07450  B-
        US: Louisiana

        Unity Life of Canada                      66847  B+ pd
        Canada: Ontario

        Wilbert Life Insurance Company            08117  NR-5
        US: Louisina

Rating                                            Previous
Action  Company Name & Domicile                     Rating

Life

        American Life and Accident Insurance Co         B+
        US: Texas

        Arkansas National Life Insurance Company      FPR5
        US: Arkansas

-       Catholic Family Life Insurance                 B++
        US: Wisconsin

+       Cherokee National Life Insurance Company       B++
        US: Georgia

        CIGNA Life Insurance Company of Canada        B+ q
        Canada: Ontario

+       Clarica Life Insurance Company                A+ u
        Canada: Ontario

        CNA Life Insurance Co of Canada               B+ q
        Canada: Ontario

        Colonial Life Insurance Company of Texas      FPR5
        US: Texas

        CUMIS Life Insurance Company                 B++ q
        Canada: Ontario

+       EquiTrust Life Insurance Company                A-
        US: Iowa

+       Guaranty Income Life Insurance Company          B+
        US: Louisiana

        Leaders Life Insurance Company                FPR4
        US: Oklahoma

-       London Pacific Ufe & Annuity Company         B++ u
        US: North Carolina

+       Mayflower National Life Insurance Co           C++
        US: Indiana

+       National Capital Life Insurance Company        C++
        US: Texas

        Old Reliance Insurance Company                 C++
        US: Arizona

+       Pioneer Mutual Life Insurance Company          B++
        US: North Dakota

        Primerica Life Insurance Company of CN       B++ q
        Canada: Ontario

-       Protected Home Mutual Life Insurance Co         B+
        US: Pennsylvania

        Reliable Life Insurance Company               B+ q
        Canada: Ontario

        Scotia Life Insurance Company                B++ q
        Canada: Ontario

+       Security Plan Life Insurance Company           C++
        US: Louisiana

        Unity Life of Canada                          B+ q
        Canada: Ontario

        Wilbert Life Insurance Company                FPR3
        US: Louisina

Health Care

Rating                                                   Current
Action  Company Name & Domicile                    AMB#  Rating

        AmCare Health Plans of Texas Inc          68561  E
        US: Texas

        American Healthcare Trust                 64094  NR-5
        US: Tennessee

+       Anthem Health Plans Inc                   68044  A
        US: Connecticut

+       Anthem Health Plans of Kentucky Inc       60150  A
        US: Kentucky

+       Anthem Health Plans of Maine Inc          64391  A
        US: Maine

+       Anthem Health Plans of New Hampshire Inc  64173  A
        US: New Hampshire

+       Anthem Insurance Companies Inc            00607  A
        US: Indiana

+       Anthem Life Insurance Company             06126  A
        US: Indiana

+       Blue Care Health Plan                     64073  A
        US: Connecticut

+       Community Insurance Company               11803  A
        US: Ohio

        Excellus Health Plan Inc (HMO)            68637  NR-5
        US: New York

+       HMO Colorado Inc                          68927  A
        US: Colorado

+       HMO Maine                                 64175  A
        US: Malne

        HRM Health Plans (PA) Inc                 68929  NR-5
        US: Pennsylvania

+       Maine Partners Health Plan Inc            64394  A
        US: Maine

+       Matthew Thomton Health Plan               68999  A
        US: New Hampshire

        Maxicare                                  68677  NR-5
        US: California

        Maxicare Indiana Inc                      68614  NR-5
        US: Indiana

-       Maxicare Life and Health Insurance Co     08935  F
        US: Missouri

New     MedSpan Health Options Inc                64317  B++
        US: Connecticut

        Montana Medical Benefit Plan Inc          64501  NR-5
        US: Montana

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

        New Mexico Dental Insurance Company Inc   64534  NR-5
        US: New Mexico

        North Central Health Protection Plan      68715  NR-5
        US: Wisconsin

+       Rocky Mountain Hospital & Medical Svc     68817  A
        US: Colorado

        Total Health Care Plan Inc                64202  NR-5
        US: Ohio

        United HealthCare of Virginia Inc         64172  NR-5
        US: Virginia

Rating                                            Previous
Action  Company Name & Domicile                     Rating

        AmCare Health Plans of Texas Inc               C q
        US: Texas

        American Healthcare Trust                        E
        US: Tennessee

+       Anthem Health Plans Inc                         A-
        US: Connecticut

+       Anthem Health Plans of Kentucky Inc             A-
        US: Kentucky

+       Anthem Health Plans of Maine Inc                A-
        US: Maine

+       Anthem Health Plans of New Hampshire Inc        A-
        US: New Hampshire

+       Anthem Insurance Companies Inc                  A-
        US: Indiana

+       Anthem Life Insurance Company                   A-
        US: Indiana

+       Blue Care Health Plan                           A-
        US: Connecticut

+       Community Insurance Company                     A-
        US: Ohio

        Excellus Health Plan Inc (HMO)                  A-
        US: New York

+       HMO Colorado Inc                               B++
        US: Colorado

+       HMO Maine                                       A-
        US: Malne

        HRM Health Plans (PA) Inc                        E
        US: Pennsylvania

+       Maine Partners Health Plan Inc                 B++
        US: Maine

+       Matthew Thomton Health Plan                    B++
        US: New Hampshire

        Maxicare                                         F
        US: California

        Maxicare Indiana Inc                             F
        US: Indiana

-       Maxicare Life and Health Insurance Co            E
        US: Missouri

New     MedSpan Health Options Inc                    B- q
        US: Connecticut

        Montana Medical Benefit Plan Inc                 E
        US: Montana

-       National Health Insurance Company               A-
        US: Texas

        New Mexico Dental Insurance Company Inc          F
        US: New Mexico

        North Central Health Protection Plan          B- q
        US: Wisconsin

+       Rocky Mountain Hospital & Medical Svc          B++
        US: Colorado

        Total Health Care Plan Inc                       E
        US: Ohio

        United HealthCare of Virginia Inc               A-
        US: Virginia

Property/Casualty

Rating                                                   Current
Action  Company Name & Domicile                    AMB#  Rating

-       AAA Mid-Atlantic Insurance Co of NJ       11241  B++
        US: New Jersey

-       AAA Mid-Atlantic Insurance Company        12049  B++
        US: Pennsylvania

-       AAA Mid-Atlantic Insurance Group          18168  B++
        US: Pennsylvania

        AEGIS Insurance Corporation               87008  NR-3
        Canada: Saskatchewan

-       Alamance Insurance Company                12241  A-
        US: Illinois

        Alberta Motor Association Insurance       86135  B++ pd
        Canada: Alberta

        Algoma Mutual Insurance Company           87771  B+ pd
        Canada: Ontario

        Alistar Insurance Company                 11785  E
        US: California

        Allstate Insurance Company of Canada      85704  B+ pd
        Canada: Ontario

        Alpha Assurance Company                   84241  B++ pd
        Canada: Quebec

+       Amalgamated Casulty Insurance Company     00117  A-
        US: Dist. Of Columbia

-       American Indemnity Company                02037  B+
        US: Texas

New     American Indemnity Financial Group        18583  B+
        US: Texas

-       American Manufacturers Mutual Ins Co      02273  A- u
        US: Illionis

-       American Motorists Insurance Company      02274  A- u
        US: Illinois

New     American National County Mutual Ins Co    10255  A+
        US: Texas

-       American Protection Insurance Company     02275  A-u
        US: Illionis

+       American Underwriters Insurance Company   00163  B-
        US: Arkansas

        Antigonish Farmers Mutual Fire Insurance  87735  B+ pd
        Canada: Nova Scotia

-       Aries Insurance Company Inc               12181  E
        US: Florida

        Arkwright Insurance Company               03589  NR-3
        US: Massachusetts

        BCAA Insurance Corporation                87017  B+ pd
        Canada: British Columbia

-       Berkshire Mutual Insurance Company        00212  B-
        US: Massachusetts

        Blue Ridge Group                          18337  NR-5
        US: Connecticut

+       Blue Ridge Idemnity Company               02839  A
        US: Connecticut

+       Blue Ridge Insurance Company              02420  A
        US: Connecticut

-       Burlington Insurance Company              00709  A-
        US: North Carolina

        CAA Insurance Company (Ontario)           85708  B+ qd
        Canada: Ontario

        Canadian Northern Shield Insurance Co     87024  B++ pd
        Canada: British Columbia

        Canassurance General Ins Co Inc           87732  B++ qd
        Canada: Quebec

        Capitale, Compagnie d'Asssurance Gen      85721  A- pd
        Canada: Quebec

        Clare Mutual Insurance Company            87027  NR-2
        Canada: Nova Scotia

+       Coachman Insurance Company                86547  B+
        Canada: Ontario

        Constitution Insurance Company of Canada  85731  NR-5
        Canada: Ontario

        CUMIS General Insurance Company           85737  B- qd
        Canada: Ontario

        Dominion of Canada General Ins Co         85739  A- pd
        Canada: Ontario

        Eagel Insurance Company                   02144  E
        US: New Jersey

-       Eagle Pacific Insurance Company           03803  A- u
        US: Washington

+       Eastern Mutual Insurance Company (NY)     00316  B++
        US: New York

        Economical Mutual Insurance Company       85741  B++ pd
        Canada: Ontario

        Farmers' Mutual Insurance co (Lindsay)    86594  B+ pd
        Canada: Ontario

-       Farmer Mutual Insurance Company (WV)      03523  B-
        US: West Virginia

        Federation Insurance Company of Canada    85744  B+ pd
        Canada: Quebec

-       First financial Insurance Company         04345  A-
        US: Illinois

        First Nevada Insurance Company            11816  NR-5
        US: Nevada

        Founds d'assurance resp profess Barreau   87174  NR-3
        Canada: Quebec

-       General Casualty Companies                04927  A
        US: Wisconsin

-       General Casualty Company of Illinois      04242  A
        US: Illinois

-       General Casualty Company of Wisconsin     02416  A
        US: Wisconsin

        Glengarry Farmers Mutual Fire Inc Co      87044  B++ pd
        Canada: Ontario

+       Global Surety & Insurance Co              04156  A
        US: Nebraska

        Grain Insurance and Guarantee Company     85753  B+ pd
        Canada: Manitoba

        Grange Mutual Insurance Company (OR)      10561  NR-4
        US: Oregon

-       GreatLand Insurance Company               12330  A- u
        US: Ohio

        Groupe Estrie-Richelieu Cia D'Assurance   87710  B++ pd
        Canada: Quebec

        GSA Insurance Company                     10023  E
        US: New Jersey

-       Guilford Insurance Company                12242  A-
        US: Illinois

        Hamilton Two Farmers Mutual Fire Ins Co   87743  B+ pd
        Canada: Ontario

        Heritage General Insurance Company        87051  B++ pd
        Canada: Ontario

-       Hochheim Prairie Casualty Insurance Co    03817  C+
        US: Texas

-       Hochheim Prairie Farm Mutual Ins Assn     03814  C+
        US: Texas

-       Hochheim Prairie Group                    03862  C+
        US: Texas

-       Hochheim Prairie Insurance Company        02781  C+
        US: Texas

-       Hoosier Insurance Company                 00543  A
        US: Indiana

-       Horace Mann Insurance Company             03359  A
        US: Illinois

-       Horace Mann Insurance Group               04934  A
        US: Illinois

-       Horace Mann Lloyds                        12314  A
        US: Texas

-       Horace Mann Property & Casualty Ins Co    04148  A
        US: California

-       Housing and Redevelopment Insurance       10253  B+
        Exch
        US: Pennsylvania

        Howick Mutual Insurance Company           87052  B+ pd
        Canada: Ontario

        HSBC Canadian Direct Insurance Inc        87023  B+ pd
        Canada: British Columbia

-       IFG Companies                             00897  A-
        US: North Carolina

+       Illinois State Bar Assn Mut Ins Co        11236  A-
        US: Illinois

        Industrial Alliance General               87053  B- pd
        Insurance Co
        Canada: Quebec

New     Insurance Company of Prince Edward Is     87054  B+
        Canada: Prince Edward Island

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

-       Kemper Casualty Insurance Company         12301  A- u
        US: Illinois

-       Kemper Employers Insurance Company        11755  A- u
        US: Illinois

-       Kemper Indemnity Insurance Company        12183  A- u
        US: Illinois

-       Kemper Independence Insurance Company     12213  A- u
        US: Illinois

-       Kemper Insurance Companies                04427  A- u
        US: Illinois

-       Kemper Lloyds Insurance Company           01759  A- u
        US: Texas

-       Kemper Surplus Lines Insurance Company    12229  A- u
        US: Illinois

-       Keystone Insurance Company                00546  B++
        US: Pennsylvania

+       Lafayette Insurance Company               00552  A
        US: Louisiana

        Langdon Insurance Company                 85765  B++ pd
        Canada: Ontario

        Lawrenceville P & C Co, Inc               11865  NR-4
        US: Virginia

        Legacy General Insurance Company          87059  B++ pd
        Canada: Ontario

        London and Midland General Insurance Co   85764  B++ pd
        Canada: Ontario

+       Louisiana Workers' Compensation Corp      11339  A
        US: Louisiana

        Loyalist Insurance Company                87061  B pd
        Canada: Ontario

-       Lumbermens Mutual Casualty Company        02279  A- u
        US: Illinois

        Markham General Insurance Company         87772  E
        Canada: Ontario

+       MassWest Insurance Company, Inc           10755  A
        US: Massachusetts

        Mennonite Mutual Insurance Company        87094  NR-2
        Canada: Alberta

New     Mercury Indemnity Co of Florida           12489  A+
        US: Florida

New     Mercury Insurance Company of FL           12490  A+
        US: Florida

-       Mid-State Mutual Insurance Company (CA)   04368  B++
        US: California

        MIIX Group                                18349  NR-4
        US: New Jersey

        MIIX Insurance Company                    03737  NR-4
        US: New Jersey

        MIIX Insurance Company of New York        12234  NR-4
        US: New York

        Millers Casualty Insurance Company        02324  NR-5
        US: Texas

-       Millers Insurance Company                 00635  D
        US: Texas

        Millers Insurance Group                   00633  NR-5
        US: Texas

        Missisquoi Insurance Company              85769  B++ pd
        Canada: Quebec

        Mutual Fire Insurance Company of BC       87068  B++ pd
        Canada: British Columbia

        Newark Insurance Company                  02436  E
        US: New Jersey

New     Noetic Specialty Insurance Company        12468  A
        US: Illinois

        North Waterioo Farmers Mutual Ins Co      86612  B+ pd
        Canada: Ontario

        Northern Indemnity Inc                    87087  A- pd
        Canada: Ontario

        Orleans General Ins Co                    87773  B+ pd
        Canada: Quebec

-       Overseas Partners US Reins Co             55027  B++
        US: Delaware

        Pacific Coast Fishermens Mutual Mar Ins   87078  B++ pd
        Canada: British Columbia

-       Pacific Eagle Insurance Company           10627  A- u
        US: California

New     Palmetto Casualty Insurance Company       11240  A
        US: South Carolina

-       PAULA Insurance Company                   03658  E
        US: California

        Peace Hills General Insurance Company     86955  B- pd
        Canada: Alberta

        Pembridge Insurance Company               85774  B- pd
        Canada: Ontario

-       Permanent General Assurance Corp of OH    11303  B+
        US: Ohio

-       Permanent General Assurance Corporation   01894  B+
        US: Tennessee

-       Permanent General Pool                    18329  B+
        US: Tennessee

        Perth Insurance Company                   85777  B++ pd
        Canada: Ontario

-       Phoenix Indemnity Insurance Company       10612  D
        US: Arizona

        Pictou County Farmers Mutual Fire Ins Co  87079  B+ pd
        Canada: Nova Scotia

        Pool Insurance Company                    85780  B+ pd
        Canada: Manitoba

        Portage: La Prairie Mutual Ins Co         85781  B+ pd
        Canada: Manitoba

        Prince Edward Island Mutual Fire Ins Co   87080  B++ pd
        Canada: Prince Edward Island

        Promutuel Reassurance                     85986  B+ pd
        Canada: Quebec

        Queensway International Indemnity Co      02657  NR-3
        US: Florida

+       Rainier Insurance Company                 11107  A
        US: Arizona

New     Real State Insurance Corporation          73878  A-
        US: Hawaii

        Red River Valley Mutual Insurance Co      86573  B++ pd
        Canada: Manitoba

-       Regent Insurance Company                  02418  A
        US: Wisconsin

-       Ridgeland Insurance Company               12331  A- u
        US: Ohio

+       San Antonio Reinsurance Company           02807  B++
        US: Texas

        Saskatchewan Motor Club Insurance Co Ltd  87084  NR-2
        Canada: Saskatchewan

        Saskatchewan Mutual Insurance Company     85787  B++ pd
        Canada: Saskatchewan

+       Security Plan Fire Insurance Company      11988  B-
        US: Louisiana

New     SGI CANADA                                85786  A-
        Canada: Saskatchewan

New     SGI CANADA Insurance Services Ltd         86846  B+
        Canada: Saskatchewan

        Southeastern Mutual Fire Insurance Co     87736  B+ pd
        Canada: New Brunswick

-       Specialty National Insurance Company      12302  A- u
        US: Illinois

-       Specialty Surplus Insurance Company       12349  A- u
        US: New Jersey

        SSQ Societe Assurances Generales          87093  B++ pd
        Canada: Quebec

        Stanley Mutual Insurance Company          87094  B+ pd
        Canada: New Brunswick

        State Compensation Insurance Fund of CA   04028  NR-4
        US: California

-       Teachers Insurance Company                00884  A
        US: Illinois

-       Tennessee Insurance Company               03179  B-
        US: Tennessee

-       Texas General Indemnity Company           02038  B+
        US: Colorado

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

        Underwriters Insurance Company            11671  NR-5
        US: Nebraska

        Waterloo Insurance Company                85801  B+ pd
        Canada: Ontario

        West Elgin Mutual Insurance Company       84243  B++ pd
        Canada: Ontario

        West Wawanosh Mutual Insurance Company    87104  B+ pd
        Canada: Ontario

-       Western Specialty Insurance Company       10630  F
        US: Illinois

        Western Surety Company                    85805  B++ pd
        Canada: Saskatchewan

        White Hall Mutual Insurance Company       02566  NR-4
        US: Pennsylvania

Rating                                            Previous
Action  Company Name & Domicile                     Rating

-       AAA Mid-Atlantic Insurance Co of NJ             A-
        US: New Jersey

-       AAA Mid-Atlantic Insurance Company              A-
        US: Pennsylvania

-       AAA Mid-Atlantic Insurance Group                A-
        US: Pennsylvania

        AEGIS Insurance Corporation                    B q
        Canada: Saskatchewan

-       Alamance Insurance Company                      A+
        US: Illinois

        Alberta Motor Association Insurance          B++ q
        Canada: Alberta

        Algoma Mutual Insurance Company                B q
        Canada: Ontario

        Alistar Insurance Company                     NR-2
        US: California

        Allstate Insurance Company of Canada         B++ q
        Canada: Ontario

        Alpha Assurance Company                      B++ p
        Canada: Quebec

+       Amalgamated Casulty Insurance Company          B++
        US: Dist. Of Columbia

-       American Indemnity Company                       A
        US: Texas

New     American Indemnity Financial Group
        US: Texas

-       American Manufacturers Mutual Ins Co           A u
        US: Illionis

-       American Motorists Insurance Company           A u
        US: Illinois

New     American National County Mutual Ins Co        NR-3
        US: Texas

-       American Protection Insurance Company           Au
        US: Illionis

+       American Underwriters Insurance Company        C++
        US: Arkansas

        Antigonish Farmers Mutual Fire Insurance      NR-5
        Canada: Nova Scotia

-       Aries Insurance Company Inc                      B
        US: Florida

        Arkwright Insurance Company                     A+
        US: Massachusetts

        BCAA Insurance Corporation                    B+ q
        Canada: British Columbia

-       Berkshire Mutual Insurance Company            B+ u
        US: Massachusetts

        Blue Ridge Group                                A-
        US: Connecticut

+       Blue Ridge Idemnity Company                     A-
        US: Connecticut

+       Blue Ridge Insurance Company                    A-
        US: Connecticut

-       Burlington Insurance Company                    A+
        US: North Carolina

        CAA Insurance Company (Ontario)              B++ q
        Canada: Ontario

        Canadian Northern Shield Insurance Co        B++ q
        Canada: British Columbia

        Canassurance General Ins Co Inc              B++ q
        Canada: Quebec

        Capitale, Compagnie d'Asssurance Gen          A- q
        Canada: Quebec

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

+       Coachman Insurance Company                       B
        Canada: Ontario

        Constitution Insurance Company of Canada       B q
        Canada: Ontario

        CUMIS General Insurance Company               B+ q
        Canada: Ontario

        Dominion of Canada General Ins Co             A- q
        Canada: Ontario

        Eagel Insurance Company                       NR-4
        US: New Jersey

-       Eagle Pacific Insurance Company                A u
        US: Washington

+       Eastern Mutual Insurance Company (NY)           B+
        US: New York

        Economical Mutual Insurance Company          B++ q
        Canada: Ontario

        Farmers' Mutual Insurance co (Lindsay)       B++ q
        Canada: Ontario

-       Farmer Mutual Insurance Company (WV)            B+
        US: West Virginia

        Federation Insurance Company of Canada        B+ q
        Canada: Quebec

-       First financial Insurance Company               A+
        US: Illinois

        First Nevada Insurance Company                   F
        US: Nevada

        Founds d'assurance resp profess Barreau       B+ q
        Canada: Quebec

-       General Casualty Companies                     A++
        US: Wisconsin

-       General Casualty Company of Illinois           A++
        US: Illinois

-       General Casualty Company of Wisconsin          A++
        US: Wisconsin

        Glengarry Farmers Mutual Fire Inc Co        B+++ q
        Canada: Ontario

+       Global Surety & Insurance Co                    A-
        US: Nebraska

        Grain Insurance and Guarantee Company         B+ q
        Canada: Manitoba

        Grange Mutual Insurance Company (OR)            C+
        US: Oregon

-       GreatLand Insurance Company                    A u
        US: Ohio

        Groupe Estrie-Richelieu Cia D'Assurance      B++ q
        Canada: Quebec

        GSA Insurance Company                         NR-4
        US: New Jersey

-       Guilford Insurance Company                      A+
        US: Illinois

        Hamilton Two Farmers Mutual Fire Ins Co      B++ q
        Canada: Ontario

        Heritage General Insurance Company            B+ q
        Canada: Ontario

-       Hochheim Prairie Casualty Insurance Co         B++
        US: Texas

-       Hochheim Prairie Farm Mutual Ins Assn          B++
        US: Texas

-       Hochheim Prairie Group                         B++
        US: Texas

-       Hochheim Prairie Insurance Company              B-
        US: Texas

-       Hoosier Insurance Company                      A++
        US: Indiana

-       Horace Mann Insurance Company                   A+
        US: Illinois

-       Horace Mann Insurance Group                     A+
        US: Illinois

-       Horace Mann Lloyds                              A+
        US: Texas

-       Horace Mann Property & Casualty Ins Co          A+
        US: California

-       Housing and Redevelopment Insurance            B++
        Exch
        US: Pennsylvania

        Howick Mutual Insurance Company               B+ q
        Canada: Ontario

        HSBC Canadian Direct Insurance Inc            B+ q
        Canada: British Columbia

-       IFG Companies                                   A+
        US: North Carolina

+       Illinois State Bar Assn Mut Ins Co             B++
        US: Illinois

        Industrial Alliance General                    B q
        Insurance Co
        Canada: Quebec

New     Insurance Company of Prince Edward Is         B- q
        Canada: Prince Edward Island

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

-       Kemper Casualty Insurance Company              A u
        US: Illinois

-       Kemper Employers Insurance Company             A u
        US: Illinois

-       Kemper Indemnity Insurance Company             A u
        US: Illinois

-       Kemper Independence Insurance Company          A u
        US: Illinois

-       Kemper Insurance Companies                     A u
        US: Illinois

-       Kemper Lloyds Insurance Company                A u
        US: Texas

-       Kemper Surplus Lines Insurance Company         A u
        US: Illinois

-       Keystone Insurance Company                      A-
        US: Pennsylvania

+       Lafayette Insurance Company                     A-
        US: Louisiana

        Langdon Insurance Company                    B++ q
        Canada: Ontario

        Lawrenceville P & C Co, Inc                     C+
        US: Virginia

        Legacy General Insurance Company             B++ q
        Canada: Ontario

        London and Midland General Insurance Co      B++ q
        Canada: Ontario

+       Louisiana Workers' Compensation Corp            A-
        US: Louisiana

        Loyalist Insurance Company                    B+ q
        Canada: Ontario

-       Lumbermens Mutual Casualty Company             A u
        US: Illinois

        Markham General Insurance Company             NR-2
        Canada: Ontario

+       MassWest Insurance Company, Inc                 A-
        US: Massachusetts

        Mennonite Mutual Insurance Company            B+ q
        Canada: Alberta

New     Mercury Indemnity Co of Florida
        US: Florida

New     Mercury Insurance Company of FL
        US: Florida

-       Mid-State Mutual Insurance Company (CA)         A-
        US: California

        MIIX Group                                      C+
        US: New Jersey

        MIIX Insurance Company                          C+
        US: New Jersey

        MIIX Insurance Company of New York              C+
        US: New York

        Millers Casualty Insurance Company             C++
        US: Texas

-       Millers Insurance Company                      C++
        US: Texas

        Millers Insurance Group                        C++
        US: Texas

        Missisquoi Insurance Company                 B++ q
        Canada: Quebec

        Mutual Fire Insurance Company of BC          B++ q
        Canada: British Columbia

        Newark Insurance Company                      NR-4
        US: New Jersey

New     Noetic Specialty Insurance Company
        US: Illinois

        North Waterioo Farmers Mutual Ins Co          B+ q
        Canada: Ontario

        Northern Indemnity Inc                        A- q
        Canada: Ontario

        Orleans General Ins Co                        NR-2
        Canada: Quebec

-       Overseas Partners US Reins Co                  A u
        US: Delaware

        Pacific Coast Fishermens Mutual Mar Ins      B++ q
        Canada: British Columbia

-       Pacific Eagle Insurance Company                A u
        US: California

New     Palmetto Casualty Insurance Company           NR-3
        US: South Carolina

-       PAULA Insurance Company                          D
        US: California

        Peace Hills General Insurance Company          B q
        Canada: Alberta

        Pembridge Insurance Company                   B+ q
        Canada: Ontario

-       Permanent General Assurance Corp of OH          A-
        US: Ohio

-       Permanent General Assurance Corporation         A-
        US: Tennessee

-       Permanent General Pool                          A-
        US: Tennessee

        Perth Insurance Company                      B++ q
        Canada: Ontario

-       Phoenix Indemnity Insurance Company            C++
        US: Arizona

        Pictou County Farmers Mutual Fire Ins Co      B+ q
        Canada: Nova Scotia

        Pool Insurance Company                        B+ q
        Canada: Manitoba

        Portage: La Prairie Mutual Ins Co             A- q
        Canada: Manitoba

        Prince Edward Island Mutual Fire Ins Co      B++ q
        Canada: Prince Edward Island

        Promutuel Reassurance                         B- q
        Canada: Quebec

        Queensway International Indemnity Co             D
        US: Florida

+       Rainier Insurance Company                       A-
        US: Arizona

New     Real State Insurance Corporation
        US: Hawaii

        Red River Valley Mutual Insurance Co         B++ q
        Canada: Manitoba

-       Regent Insurance Company                      A ++
        US: Wisconsin

-       Ridgeland Insurance Company                    A u
        US: Ohio

+       San Antonio Reinsurance Company                 B+
        US: Texas

        Saskatchewan Motor Club Insurance Co Ltd      B+ q
        Canada: Saskatchewan

        Saskatchewan Mutual Insurance Company        B++ q
        Canada: Saskatchewan

+       Security Plan Fire Insurance Company           C++
        US: Louisiana

New     SGI CANADA                                    B+ q
        Canada: Saskatchewan

New     SGI CANADA Insurance Services Ltd             B+ q
        Canada: Saskatchewan

        Southeastern Mutual Fire Insurance Co         B+ q
        Canada: New Brunswick

-       Specialty National Insurance Company           A u
        US: Illinois

-       Specialty Surplus Insurance Company            A u
        US: New Jersey

        SSQ Societe Assurances Generales             B++ q
        Canada: Quebec

        Stanley Mutual Insurance Company             B++ q
        Canada: New Brunswick

        State Compensation Insurance Fund of CA         B-
        US: California

-       Teachers Insurance Company                      A+
        US: Illinois

-       Tennessee Insurance Company                     B+
        US: Tennessee

-       Texas General Indemnity Company                  A
        US: Colorado

-       Ulico Standard of American Casualty Co          B+
        US: California

        Underwriters Insurance Company               A++ u
        US: Nebraska

        Waterloo Insurance Company                    B+ q
        Canada: Ontario

        West Elgin Mutual Insurance Company          B++ q
        Canada: Ontario

        West Wawanosh Mutual Insurance Company        B+ q
        Canada: Ontario

-       Western Specialty Insurance Company              B
        US: Illinois

        Western Surety Company                       B++ q
        Canada: Saskatchewan

        White Hall Mutual Insurance Company            C++
        US: Pennsylvania

International

Rating                                                   Current
Action  Company Name & Domicile                    AMB#  Rating

New     Korean Reinsurance Company                85225  A-
        South Korea

        LaSalle Re Limited                        86314  B++ u
        Bermuda

-       Overseas Partners Ltd                     86669  B++
        Bermuda

-       Overseas Partners Assurance Ltd           55024  B++
        Bermuda

        Overseas Partners Re Ltd                  86934  B++
        Bermuda

New     XL Winterthur International Insurance Co  87674  A+
        United Kingdom

Rating                                            Previous
Action  Company Name & Domicile                     Rating

New     Korean Reinsurance Company                    NR-5
        South Korea

        LaSalle Re Limited                              A-
        Bermuda

-       Overseas Partners Ltd                          A u
        Bermuda

-       Overseas Partners Assurance Ltd                A u
        Bermuda

        Overseas Partners Re Ltd                       A u
        Bermuda

New     XL Winterthur International Insurance Co       A-q
        United Kingdom
Rating Under Review

Health Care

Rating                                                   Current
Action  Company Name & Domicile                   AMB#   Rating

U       Lifeguard Inc                             68738  B+ u
        US: California

U       Lifeguard Life Insurance Company          08629  B+ u
        US: California

Rating                                            Previous
Action  Company Name & Domicile                     Rating

U       Lifeguard Inc                                   B+
        US: California

U       Lifeguard Life Insurance Company                B+
        US: California

Property/Casualty

Rating                                                   Current
Action  Company Name & Domicile                   AMB#   Rating

U       Altantic Insurance Company                02220  A+ u
        US: Texas

U       Caliber One Indemnity Company             03194  A u
        US: Delaware

U       Gulf Group Lloyds                         03847  A++ u
        US: Texas

U       Gulf Insurance Company                    02451  A++ u
        US: Connecticut

U       Gulf Insurance Company U.K. Limited       87376  A++ u
        United Kingdom

U       Gulf Underwriters Insurance Company       11208  A++ u
        US: Connecticut

U       Mutual Fire Insurance Co in Calvert City  04735  B+ u
        US: Maryland

U       MutualAid eXchange                        03165  A- u
        US: kansas

U       Select Insurance Company                  02222  A++ u

Rating                                            Previous
Action  Company Name & Domicile                     Rating

U       Altantic Insurance Company                     A++
        US: Texas

U       Caliber One Indemnity Company                    A
        US: Delaware

U       Gulf Group Lloyds                              A++
        US: Texas

U       Gulf Insurance Company                         A++
        US: Connecticut

U       Gulf Insurance Company U.K. Limited            A++
        United Kingdom

U       Gulf Underwriters Insurance Company            A++
        US: Connecticut

U       Mutual Fire Insurance Co in Calvert City        B+
        US: Maryland

U       MutualAid eXchange                              A-
        US: Kansas

U       Select Insurance Company                       A++

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? 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 Best Weeks. Selected rating changes and new ratings are published in Best's Review[R] (our monthly magazine).

BEST'S RATINGS AND FINANCIAL PERFORMANCE RATINGS See benchmark.  (FPR FPR Ford Performance Racing
FPR Front Patriotique Rwandais (Rwanda Patriotic Front)
FPR Floating-Point Register (CPU architecture)
FPR Fuel Pressure Regulator (automotive) 
)

A.M. Best assigns Individuals to whom property is, will, or may be transferred by conveyance, will, Descent and Distribution, or statute; assignees.

The term assigns is often found in deeds; for example, "heirs, administrators, and assigns to denote the assignable nature of
 to insurance related organizations one of two types of rating opinions, a Best's Rating (A++ to F) or a Financial Performance Rating (9 to 1). 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. The FPR represents an opinion based primarily on a quantitative evaluation of a company's balance sheet strength and operating performance for companies that do not meet the minimum size and/or and/or  
conj.
Used to indicate that either or both of the items connected by it are involved.

Usage Note: And/or is widely used in legal and business writing.
 operating experience requirements for a Best's Rating.
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

Secure FPR Rating
FPR 9                                       Very Strong
FPR 8 and 7                                      Strong
FPR 6 and 5                                        Good

Vulnerable FPR Rating
FPR 4                                              Fair
FPR 3                                          Marginal
FPR 2                                              Weak
FPR 1                                              Poor


RATING MODIFIERS

Under Review (u) Rating Modifiers are assigned to Best's Ratings and Financial Performance 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. Qualified (q) Rating Modifiers may be assigned to Health Maintenance Organizations (HMOs) 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 Qualified Ratings are therefore based primarily on a 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:
 of a company's balance sheet strength and operating performance. Best's Public Data (pd) Rating Modifiers may be assigned to 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 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
 ($) 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 .
u   Under Review
q      Qualified
s      Syndicate
pd   Public Data


NOT RATED CATEGORIES (NR)

Companies not assigned a Best's Rating or FPR 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.

Version 052902
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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Comment:Best's rating changes. (Ratings).(Statistical Data Included)
Publication:Best's Review
Article Type:Statistical Data Included
Geographic Code:1USA
Date:Jul 1, 2002
Words:4555
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