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 January January: 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 26 for the Current Guide to Best's Ratings or visit www.ambest.com/ratings/ access.html for detailed rating definitions. For the rating of any company rated by A.M. Best Co. and basic company information free of charge, visit the A.M. Best Co. Web site at www.ambest.com/ratings/access.html.
Ratings Changed
Life
Rating Business Current
Action Type Company Name AMB# Rating
L Alabama Reassurance Company 09055 NR-2
L Citizens Fidelity Ins Co 68321 NR-2
New P, L First Standard Security 03552 B+
Insurance Co
- L Fremont Life Ins Co 06247 C++
- L Guarantee Reserve Life 06502 A-
Insurance Company
L Hallmark Life Insurance Co 60297 NR-2
+ L Madison National Life 06678 A-
Insurance Co. Inc
L Manufacturers Life Ins Co of 08786 NR-3
America
L Manufacturers Life Ins Co of 08953 NR-3
NA
L Manulife Reinsurance Corp 60204 NR-3
(U.S.A.)
L Tennessee Life Insurance Co. 68373 NR-2
- L Trans-Oceanic Life Insurance 07132 B
Company
- L Union National Life Insurance 07155 A
Company
- L United Insurance Company of 07174 A
America
- L Unity Mutual Life Insurance 07196 B
Company
Rating Previous
Action Rating Domicile
FPR 4 US: Alabama
FPR 4 US: Arkansas
New FPR 5 US: Delaware
- B US: California
- A u US: Indiana
FPR 5 US: Arizona
+ B++ US: Wisconsin
A++ US: Michigan
A++ US: Delaware
A++ US: Michigan
FPR 5 US: Arizona
- B+ US: Puerto Rico
- A+ US: Louisiana
- A+ US: Illinois
- B+ US: New York
Health Care
Rating Business Current
Action Type Company Name AMB# Rating
New L Censtat Life Assurance Company 60246 A-
New L Delta Dental of Delaware 64642 A-
New L Delta Dental of District of 64672 A-
Columbia
New L Delta Dental of New York 64594 A-
New L Delta Dental of West Virginia 64643 A-
+ L HealthLink HMO, Inc 60152 A-
+ L Healthy Alliance Life 08217 A-
Insurance Company
+ L HMO Missouri, Inc 68790 A-
+ L Montana Medical Benefit Plan, 64501 E
Inc
New L Pennsylvania Dental Service 64557 A-
Corporation
+ L Right CHOICE Insurance Company 60024 A-
L Rio Grande HMO, Inc 68659 NR-5
L Texas Gulf Coast HMO, Inc 68719 NR-5
L Trisource Healthcare Inc 68955 NR-5
L West Texas Health Plans, L.C. 64417 NR-5
Rating Previous
Action Rating Domicile
New FPR 6 US: Arizona
New NR-5 US: Delaware
New US: Dist. Of Columbia
New NR-5 US: New York
New NR-5 US: West Virginia
+ B++ u US: Missouri
+ B++ u US: Missouri
+ B++ u US: Missouri
+ F US: Montana
New NR-5 US: Pennsylvania
+ B++ u US: Illinois
A- US: Texas
A- US: Texas
B q US: Missouri
A- US: Texas
Property/Casualty
Rating Business Current
Action Type Company Name AMB# Rating
- P Acceleration National 03810 F
Insurance Company
- P Allcity Insurance Company 02149 D
- P Alliance Assurance Company of 12466 A-
America
- P American Country Insurance Company 02735 C++
+ P American Service Insurance Company 01777 B++
Inc
+ P American Surety Company 02557 A-
+ P American Vehicle Insurance Company 00711 B+
New P Arch Reinsurance Company 11791 A-
+ P Atlantic Charter Insurance Company 11318 A
+ P Atlantic Insurance Company 02220 A++
+ P Attorneys Insurance Mutual of AL 10816 A-
Inc
- P Beacon Insurance Group 04061 B-
- P Beacon National Insurance Company 00207 B-
New P Canadian Millers Mutual Insurance 85715 E
Co
+ P Capacity Insurance Company 10738 B+
- P Centurion Insurance Company 00155 D
+ P Charter Insurance Group 18396 A
- P Delta Casualty Company 03321 F
- P Eastern Casualty Group 18541 A-
- P Eastern Casualty Indemnity Company 12420 A-
- P Eastern Casualty Insurance Company 01961 A-
+ P Electric Insurance Company 02146 A-
+ P Electric Insurance Group 18556 A-
+ P Electric Lloyd's of Texas 12326 A-
- P Empire Insurance Company 02150 D
- P Empire Insurance Group 18152 D
- P Employers Security Insurance 11404 D
Company
+ P Endeavour Insurance Company 11966 A
P Equity Insurance Company 04940 NR-2
P Farmers Mutual Fire of McCandless 04766 NR-2
- P Far West Insurance Company 01802 F
+ P First Maxfield Mutual Insurance 10205 A-
Assn
- P First Preferred Insurance Company 04052 B-
+ P Gulf Group Lloyds 03847 A++
+ P Gulf Insurance Company 02451 A++
+ P Gulf Insurance Company U.K. Limited 87376 A++
P Gulf Insurance Group 00446 NR-5
+ P Gulf Underwriters Insurance Company 11208 A++
- P Jefferson Insurance Company 04001 B++ u
- P Jefferson Insurance Group 03972 B++ u
P Martingale National Insurance 11716 NR-3
Company
- P Medical Assurance Company Inc 03826 A-
P Medical Assurance Group 18384 NR-5
- P Medical Assurance of West Virginia, 10902 A-
Inc
+ P Modern Service Insurance Company 04035 A+
- P Monticello Insurance Company 03677 B++ u
+ P Mutual Service Casualty Insurance 00670 A+
Co
P Mutual Service Insurance Group 04074 NR-5
- P Northwest G F Mutual Insurance 00717 B-
Company
- P Petrolia Insurance Company 02573 B-
- P Petrosurance Casualty Company 03662 C
New P ProAssurance Group 18559 A-
P ProNational Insurance Group 18300 NR-5
P Rampart Insurance Company 02649 NR-5
+ P Select Insurance Company 02222 A++
P Sorema N. A. Group 18264 NR-5
+ P Southern United Fire Insurance 03197 B+
Company
- P State Farm Lloyds 01767 B+
+ P Texas Lawyers Insurance Exchange 02578 A
+ P United Heritage Property & Casualty 10062 B++
Co
+ P Universal Casualty Company 02753 A-
New P USAA Texas Lloyd's Company 12460 A++
- P Wasatch Crest Insurance Company 00942 D
- P Wasatch Crest Mutual Insurance 10111 D
Company
P Western Continental Insurance 11081 NR-5
Company
- P Wisconsin American Mutual Insurance 04350 B-
Co
Rating Previous
Action Rating Domicile
- E US: Ohio
- C++ US: New York
- A u US: New York
- A- US: Illinois
+ B+ US: Illinois
+ B++ US: California
+ E US: Florida
New NR-3 US: Nebraska
+ A- US: Massachusetts
+ A+ US: Texas
+ B++ US: Alabama
- B+ US: Texas
- B+ US: Texas
New D q Canada: Ontario
+ B US: Florida
- C++ US: New York
+ A- US: Massachusetts
- D US: Illinois
- A u US: Massachusetts
- A u US: New Hampshire
- A u US: Massachusetts
+ B++ US: Massachusetts
+ B++ US: Massachusetts
+ B++ US: Texas
- C++ US: New York
- C++ US: New York
- B+ US: Indiana
+ A- US: Massachusetts
A- US: Texas
A- US: Pennsylvania
- C- US: Nebraska
+ B++ US: Iowa
- B+ US: Texas
+ A+ US: Texas
+ A+ US: Missouri
+ A+ United Kingdom
A+ US: Missouri
+ A+ US: Missouri
- A US: New York
- A US: New York
A- US: Illinois
- A u US: Alabama
A u US: Alabama
- A u US: West Virginia
+ B+ u US: Minnesota
- A US: Delaware
+ B+ u US: Minnesota
B+ u US: Minnesota
- B+ US: South Dakota
- B+ US: Texas
- B US: Oklahoma
New US: Alabama
A- u US: Michigan
A u US: New York
+ A+ US: Texas
A u US: New York
+ B US: Alabama
- A- u US: Texas
+ A- US: Texas
+ B+ US: Idaho
+ B++ US: Illinois
New US: Texas
- B US: Utah
- B US: Utah
A u US: Texas
- B US:Wisconsin
International
Rating Business Current
Action Type Company Name AMB# Rating
L Alba Life Limited 87242 NR-5
L Allchurches Life Assurance Limited 87210 NR-5
P Alliance & Leicester Gen'l Ins Co 87211 NR-5
Ltd
L Alliance & Leicester Life Assur Co 87212 NR-5
Ltd
New P Allied World Assurance Company Ltd 84808 A+
New P Arch Reinsurance Ltd 75169 A-
P Arig Reinsurance Company B.S.C. 86938 NR-4
P AstraZeneca Insurance Company Ltd 87679 NR-5
P AXA Art Insurance Limited 87490 NR-5
P AXA Direct Insurance Limited 86505 B+ pd
L AXA Equity and Law Life Assur Soc 87250 NR-3
Plc
P AXA Insurance plc 85203 B+ pd
P AXA Insurance UK plc 86162 B+ pd
P AXA PPP Healthcare Limited 87530 B+ pd
New P Axis Specialty Limited 84766 A-
P Bimeh Iran Insurance Comapny UK Ltd 87232 NR-5
P Britannic Assurance plc 87254 NR-5
L Britannic Unit Linked Assurance 87243 NR-5
Limited
L British Life Office Limited 87259 NR-5
P British Reserve Insurance Company 87260 NR-5
Ltd
P British United Provident 85572 A- pd
Association Ltd
L Caledonian Insurance Company 85548 NR-3
Limited
L Canterbury Life Assurance Company 87264 NR-3
Ltd
L Cedar Insurance Company Limited 87266 NR-5
P Chemists Defence Association 87272 NR-5
Limited
P China Insurance Co UK Ltd 87273 NR-5
L City of London Insurance Company 87280 NR-5
Limited
P Co-operative Insurance Soc Ltd 87283 A pd
New P, L Colonial SA Compania Seguros 84245 B++
L Confederation Life Insurance Co 87292 NR-3
(UK) Ltd
P Congregational & General Insurance 87293 NR-5
plc
P Consumer Electronics Insurance Co 87296 B++ pd
Ltd
New P, L Converium Group 84394 A
New P Converium Ltd. Zurich 84820 A
P Cornish Mutual Insurance Company 87301 NR-5
Ltd
P, L Corporacion Mapfre, S.A. 85419 NR-3
L Countrywide Assured plc 87378 NR-5
L Criterion Life Assurance Limited 87304 NR-5
New P Danish Re Bermuda Limited 84741 A-
P De Montfort Insurance Company Plc 87312 NR-5
L Direct Line Life Insurance Company 87317 NR-5
Ltd
L Eurolife Assurance Company Limited 87337 NR-5
P European Nichido Insurance Company 87340 NR-5
Ltd
L Fidelity Life Assurance Limited 87346 NR-5
L Fleming Life Limited 87349 NR-5
L FP Life Assurance Limited 87353 NR-5
L Friends Provident (London & 85650 NR-3
Manchester)
P G I L Insurance Limited 87363 8+ pd
L GE Life Limited 87603 NR-5
L General Accident Managed Pension 86852 NR-5
Funds
L Gisborne Life Assurance Company Ltd 87365 NR-3
+ P Glencoe Insurance Ltd 86548 A
L Guardian Assurance plc 85649 NR-5
P Guardian Health Limited 86507 B+ pd
L Guardian Pensions Management 85209 NR-5
Limited
L Hamilton Life Assurance Co, Ltd 86143 NR-5
P Hermes Credit and Guarantee plc 87302 NR-5
L Hodge Life Assurance Company 87265 NR-5
Limited
L Liverpool Victoria Life Company Ltd 87516 NR-5
New P Lloyd's Syndicate 1400 48328 A- s
L London Aberdeen & Northern Mutual 87437 NR-5
Assur
L London Life Linked Assurances 87439 NR-5
Limited
L M & G Life Assurance Company 87444 NR-3
Limited
L M&G Pensions and Annuity Company 87445 NR-3
Limited
P Magnus Insurance Company Limited 87446 NR-5
L Marine & General Mut Life Assur 87451 B++ pd
Society
L Merchant Investors Assurance 87456 B- pd
Company Ltd
New P Montpelier Reinsurance Ltd 84809 A-
P National Farmers Union Mutual Ins 85262 A pd
Soc
L National Farmers Union Mutual Ins 85315 A- pd
Soc
L National Provident Institution 87481 NR-3
P Nippon Insurance Company of Europe 87488 NR-5
Ltd
P Nissan Insurance Company (Europe) 87489 NR-5
Ltd
L Old Mutual Life Assurance Company 87506 NR-3
Ltd
L Pearl Assurance (Unit Funds) Ltd 85030 NR-5
L Pearl Assurance (Unit Linked 85188 NR-5
Pensions)
L Pearl Assurance Public Limited Co 85837 B++ pd
L Pensions Management (SWF) Ltd 85946 NR-5
L Professional Life Assurance Company 86307 NR-3
Ltd
P Proteus Insurance Company Limited 87541 NR-3
L Prudential Holborn Life Limited 87545 NR-5
L Prudential Holborn Pensions Limited 87544 NR-5
New L Prudential Life Insurance Company, 86614 A+
Ltd
New P PXRE Group Ltd 84807 A
New P PXRE Reinsurance Ltd. 84141 A
L Refuge Assurance plc 87552 NR-3
L Refuge Investments Limited 87551 NR-3
L Reliance Mutual Insurance Society 87557 NR-5
Ltd
L S E B Trygg Life (UK) Assur Company 87570 NR-5
Ltd
L Save & Prosper Insurance Limited 87573 NR-5
L Save & Prosper Pensions Limited 87574 NR-5
L Schroder Pensions Limited 87424 NR-5
L Scottish Life Pensions Annutiy Co 87583 NR-5
Ltd
L Scottish Widows Fund & Life Assur 85939 NR-3
Soci
L Sterling Life Limited 86407 NR-5
L Sun Life Assurance Co of Canada UKB 87617 NR-3
L Sun Life Assurance Society P L C 87615 A- pd
L Sun Life Pensions Management 87611 A- pd
Limited
L Sun Life Unit Assurance Limited 87616 A- pd
P Travel and General Insurance 87639 NR-5
Company PLC
L United Friendly Insurance plc 87654 NR-3
L United Friendly Life Assurance 87652 NR-5
Limited
L University Life Assurance Society 87657 NR-5
L UNUM Limited 87658 NR-5
New P USAA Limited 87660 A++
L Woolwich Life Assurance Company 87676 NR-5
Limited
New L World-Wide Reassurance Company 87677 A-
Limited
P Zurich GSG Limited 87680 NR-5
Rating Previous
Action Rating Domicile
B+q United Kingdom
B+q United Kingdom
B++ q United Kingdom
B+q United Kingdom
New Bermuda
New Bermuda
B+u Bahrain
B++ q United Kingdom
A- q United Kingdom
NR-5 United Kingdom
A- q United Kingdom
B++ q United Kingdom
B++ q United Kingdom
United Kingdom
New Bermuda
B+ q United Kingdom
A q United Kingdom
B+ q United Kingdom
B q United Kingdom
A q United Kingdom
A- q United Kingdom
B++ q United Kingdom
B++ q United Kingdom
B q United Kingdom
8++ q United Kingdom
B++ q United Kingdom
B+ q United Kingdom
A- q United Kingdom
New Dominican Republic
B++ q United Kingdom
B++ q United Kingdom
A- q United Kingdom
New Switzerland
New Switzerland
B+ q United Kingdom
A+ Spain
B+ q United Kingdom
B+ q United Kingdom
New Bermuda
B+ q United Kingdom
B+ q United Kingdom
B q United Kingdom
B++ q United Kingdom
B+ q United Kingdom
B+ q United Kingdom
B++ q United Kingdom
B++ q United Kingdom
B++ q United Kingdom
B+ q United Kingdom
B++ q United Kingdom
8+ q United Kingdom
+ A- Bermuda
8+ q United Kingdom
NR-5 United Kingdom
B++ q United Kingdom
B q United Kingdom
B++ q United Kingdom
B q United Kingdom
B+ q United Kingdom
New United Kingdom
B+ q United Kingdom
B+ q United Kingdom
B++ q United Kingdom
B+ q United Kingdom
B+ q United Kingdom
B++ p United Kingdom
B- q United Kingdom
New Bermuda
A q United Kingdom
A- q United Kingdom
B++ q United Kingdom
B+ p United Kingdom
B++ q United Kingdom
B q United Kingdom
B++ q United Kingdom
B++ q United Kingdom
A- q United Kingdom
B++ q United Kingdom
A- q United Kingdom
B+ p United Kingdom
B++ q United Kingdom
B++ q United Kingdom
New Japan
New Bermuda
New Bermuda
B++ q United Kingdom
B q United Kingdom
B q United Kingdom
B q United Kingdom
B++ q United Kingdom
B+ q United Kingdom
B+ q United Kingdom
8+ q United Kingdom
A q United Kingdom
B+ q United Kingdom
B++ q United Kingdom
A- q United Kingdom
A- q United Kingdom
A- q United Kingdom
B++ q United Kingdom
A- q United Kingdom
B++ q United Kingdom
B+ q United Kingdom
B+ q United Kingdom
New B+ q United Kingdom
B++ q United Kingdom
New B+ q United Kingdom
B+ q United Kingdom
Ratings Under Review
Life
Rating Business Current
Action Type Company Name AMB# Rating
U L Clarica Life Insurance Company 06750 A+ u
U L Clarica Life Insurance Company-U.S. 07244 A+ u
U L Templeton Funds Annuity Company 68026 A- u
U L Union Labor Life Insurance Co 07152 B++ u
Rating Business Previous
Action Type Company Name Rating
U L Clarica Life Insurance Company A+
U L Clarica Life Insurance Company-U.S. A+
U L Templeton Funds Annuity Company A-
U L Union Labor Life Insurance Co B++
Rating Business
Action Type Company Name Domicile
U L Clarica Life Insurance Company Canada: Ontario
U L Clarica Life Insurance Company-U.S. US: North Dakota
U L Templeton Funds Annuity Company US: Florida
U L Union Labor Life Insurance Co US: Maryland
Property/Casualty
Rating Business Current
Action Type Company Name AMB# Rating
U P Legion Indemnity Company 11860 A- u
U P Legion Insurance Company 02352 A- u
U P Legion Insurance Group 18366 A- u
U P Villanova Insurance Company 12110 A- u
Rating Business Previous
Action Type Company Name Rating
U P Legion Indemnity Company A-
U P Legion Insurance Company A-
U P Legion Insurance Group A-
U P Villanova Insurance Company A-
Rating Business
Action Type Company Name Domicile
U P Legion Indemnity Company US: Illinois
U P Legion Insurance Company US: Pennsylvania
U P Legion Insurance Group US: Pennsylvania
U P Villanova Insurance Company US: Pennsylvania
International
Rating Business Current
Action Type Company Name AMB# Rating
U P Sunderland Marine Mutual Insurance 86497 A- u
Co Ltd
Rating Business Previous
Action Type Company Name Rating
U P Sunderland Marine Mutual Insurance A-
Co Ltd
Rating Business
Action Type Company Name Domicile
U P Sunderland Marine Mutual Insurance United Kingdom
Co Ltd
Rating Action: (+) or (-) Rating upgraded or downgraded; (New) Assigned
initial rating.
P = Property/Casualty (nonlife)
L = Life/Health
CURRENT GUIDE TO BEST'S RATINGS For a complete explanation of Best's Ratings, please refer to the Preface pref·ace n. 1. a. A preliminary statement or essay introducing a book that explains its scope, intention, or background and is usually written by the author. b. An introductory section, as of a speech. 2. of Best's Insurance Reports[R] or Best's Key Rating Guide[R]. Best's Ratings reflect our independent opinion, but are not a warranty An assurance, promise, or guaranty by one party that a particular statement of fact is true and may be relied upon by the other party. Warranties are used in a variety of commercial situations. In many instances a business may voluntarily make a warranty. of a company's financial strength and ability to meet its obligations to policyholders. * For the latest Best's Ratings and Best's Company Reports (which include Best's Ratings) visit the A.M. Best Web site at www.ambest.com. You may also obtain Best's Company Reports by calling our Customer Service Department at (908) 439-2200, Ext. 5742. To expedite ex·pe·dite tr.v. ex·pe·dit·ed, ex·pe·dit·ing, ex·pe·dites 1. To speed up the progress of; accelerate. 2. your request, please provide the company's identification number (AMB AMB Ambient AMB Ambassador AMB Amber AMB Ambulance AMB Associação Médica Brasileira (Brazil) AMB Ambulatory AMB Advanced Memory Buffer (FBDIMM control unit on DRAM) #). * All rating actions are published in the Rating Monitor section of BestWeek[R]. Selected rating changes and new ratings are published in Best's Review[R] (our monthly magazine). BEST'S RAT rat, name applied to various stout-bodied rodents, usually having a pointed muzzle, long slender tail, and dexterous forepaws. It refers particularly to the two species of house rat, Rattus norvegicus, the brown, or Norway, rat and R. 1NGS NGS National Geographic Society NGS National Geodetic Survey NGS National Genealogical Society NGS Next Generation Security (software) NGS National Garden Scheme NGS National Graduate School NGS Next Generation Services 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 Ratings FPR 9 Very Strong FPR 8 and 7 Strong FPR 6 and 5 Good Vulnerable FPR Ratings 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) and 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. insurers that do not subscribe to Verb 1. subscribe to - receive or obtain regularly; "We take the Times every day" subscribe, take buy, purchase - obtain by purchase; acquire by means of a financial transaction; "The family purchased a new car"; "The conglomerate acquired a new company"; our interactive rating process. Best's 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 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 (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
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. |
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