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Best's rating changes. (Ratings).


This summary of Best's Rating Changes includes life, health-care and property/casualty insurers domiciled in North America, as well as international insurers, that had ratings assigned, changed or placed under review since this section last appeared in the July 2003 edition of Best's Review.

Best's Rating Changes is an abbreviated version of Best's Rating Monitor, which is published in BestWeek, our weekly insurance industry newsletter. See page 22 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 Capitol Insurance Company           06043     B
         US: Texas

+        American Income Life Insurance Company       06069     A+
         US: Indiana

-        Ameritas Life Insurance Corp                 06152     A
         US: Nebraska

New      Arkansas National Life Insurance Company     07507     B++
         US: Arkansas

         Bankers Commercial Life Insurance Co         06144     NR-5
         US: Texas

New      Delta Dental Plan of Iowa                    60205     B++
         US: Iowa

-        Employees Life Company (Mutual)              08005     B+
         US: Illinois

-        Employers Reassurance Corporation            06976     A
         US: Kansas

-        ERC Life Reinsurance Corporation             08928     A
         US: Missouri

-        First Ameritas Life Insurance Corp of NY     68545     A
         US: New York

         First National Life Ins Co of America        06416     NR-5
         US: Mississippi

         First Pyramid Life Ins Co of America         06418     NR-3
         US: Arkansas

-        Greek Catholic Union of the U.S.A.           09807     B
         US: Pennsylvania

         Houston National Life Insurance Company      09391     NR-3
         US: Texas

         LifeWise Health Plan of Arizona Inc          68458     NR-3
         US: Washington

+        LifeWise Health Plan of Oregon Inc           68259     B++
         US: Oregon

         Maxicare Life and Health Insurance Co        08935     NR-5
         US: Missouri

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

         RightCHOICE Insurance Company                60024     NR-3
         US: Illinois

         Statesman National Life Insurance Co         07091     NR-5
         US: Texas

+        Texas Imperial Life Insurance Company        68290     B
         US: Texas

New      Valley Group Hospital Service Corp           60376     B+
         US: Texas

New      Vision Services Plan Inc Oklahoma            64476     A-
         US: Oklahoma

-        Workmen's Benefit Fund of USA                07260     B
         US: New York

                        HMO

         AECC Total Vision Health Plan of Texas       64512     NR-5
         US: Texas

+        Aloha Care                                   64224     B- pd
         US: Hawaii

-        AmCare Health Plans of Oklahoma Inc          64088     F
         US: Oklahoma

         Americas Health Choice Medical Plans Inc     64703     C++ pd
         US: Florida

-        AMERIGROUP Florida Inc                       68979     C- pd
         US: Florida

+        AMERIGROUP Illinois Inc                      64100     B- pd
         US, Illinois

-        AMERIGROUP New Jersey Inc                    64209     C++ pd
         US: New Jersey

-        Amil International (Texas) Inc               64458     C pd
         US: Texas

         Block Vision of Texas Inc                    64510     NR-5
         US: Texas

         Botsford Health Plan                         64618     B pd
         US: Michigan

New      Care Choices HMO                             68556     B+
         US: Michigan

-        Central Oregon Independent Health Servcs     64496     C+ pd
         US: Oregon

-        Children's Mercy's Family Health Partner     64183     C pd
         US: Missouri

-        Comanche County Hospital Authority           64168     C++ pd
         US: Oklahoma

-        Community First Health Plans Inc             64049     C pd
         US: Texas

-        Community Health Choice Inc                  64454     C+ pd
         US: Texas

-        Community Health Group                       64145     B- pd
         US: California

-        Community Health Plan of the Rockies Inc     64311     F
         US: Colorado

+        CommunityCare HMO Inc                        64165     C++ pd
         US: Oklahoma

+        Consumer-Health Inc                          60166     B+ pd
         US: California

         DENCAP Dental Plans Inc                      65718     NR-5
         US: Michigan

         Dental Care Plus Inc                         64698     C+ pd
         US: Ohio

         Dental Health Services                       64527     NR-5
         US: Washington

         DentaQuest Mid-Atlantic Inc                  64544     NR-5
         US: Maryland

         DentaQuest Virginia Inc                      64637     NR-5
         US: Virginia

+        DentiCare Inc                                64522     B+ pd
         US: Texas

         Denticare of Arkansas Inc                    64377     NR-2
         US: Arkansas

         Denver Health Medical Plan Inc               64420     NR-5
         US: Colorado

         El Paso First Health Plans                   64692     C+ pd
         US: Texas

         EYEMED Inc                                   64723     B pd
         US: California

         First Medical Health Plan Inc                64452     NR-5
         US: Puerto Rico

         First Option Corporation - Nebraska          65737     NR-5
         US: Nebraska

+        FirstChoice HealthPlans of Connecticut       60116     C pd
         US: Connecticut

         Fortis Benefits DentalCare of Wisconsin      65716     NR-2
         US: Wisconsin

-        Foundation Health a FL Health Plan Inc       64102     C- pd
         US: Florida

         Grand Valley Health Plan Inc                 68632     NR-5
         US: Michigan

+        Group Health Plan Inc                        68667     B pd
         US: Minnesota

-        Health Tradition Health Plan                 68620     B- pd
         US: Wisconsin

         Healthy Palm Beaches Inc                     64446     C++ pd
         US: Florida

New      International Dental Plans Inc               65706     A-
         US: Florida

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

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

+        Kern Health Systems                          64084     B++ pd
         US: California

-        Lifeguard Inc                                68738     F
         US: California

New      LifeWise Health Plan of Washington           64608     B+
         US: Washington

-        MDNY Healthcare Inc                          64291     C pd
         US: New York

         Medica Health Plans of Wisconsin             64445     NR-5
         US: Wisconsin

         Medical Eye Services Inc                     64712     C++ pd
         US: California

+        Medical Health Insuring Corp of Ohio         64217     C++ pd
         US: Ohio

-        Memphis Managed Care Corporation             68735     C- pd
         US: Tennessee

+        Metropolitan Health Plan                     68558     B pd
         US: Minnesota

         Metrowest Health Plan Inc                    64459     B- pd
         US: Texas

+        Midwest Health Plan Inc                      64518     B pd
         US: Michigan

         National Med Inc                             68682     NR-5
         US: California

-        Neighborhood Health Partnership Inc          64001     C+ pd
         US: Florida

-        Neighborhood Health Plans of RI Inc          64293     C+ pd
         US: Rhode Island

         NVAL Visioncare Systems of California        64717     C++ pd
         US: California

-        OmniCare Health Plan Inc                     64435     C++ pd
         US: Tennessee

+        Pacific Hospital Association                 64500     B+ pd
         US: Oregon

         Pearle Managed Care - HMO of Texas Inc       64516     NR-5
         US: Texas

+        PHP Insurance Plan Inc                       64123     C++ pd
         US: Wisconsin

+        Physicians Health Plan of South Michigan     64621     B pd
         US: Michigan

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

+        Physicians Plus Insurance Corporation        68683     B pd
         US: Wisconsin

         Piedmont Community Healthcare Inc            64390     C+ pd
         US: Virginia

+        Preferred Health Partnership of TN Inc       64302     C++ pd
         US: Tennessee

-        Preferred Medical Plan                       64120     B- pd
         US: Florida

         Premier Behavioral Systems of TN LLC         64433     NR-5
         US: Tennessee

New      Presbyterian Health Plan Inc                 68930     B+
         US: New Mexico

-        QualChoice of North Carolina Inc             64271     C pd
         US: North Carolina

         Safeguard Health Plans Inc                   68512     C++ pd
         US: California

         Santa Clara County Health Authority          64576     B pd
         US: California

         Scripps Clinic Health Plan Services Inc      64661     NR-5
         US: California

+        SecureCare of Iowa Inc                       64626     C+ pd
         US: Iowa

+        Texas Children's Health Plan Inc             64244     C++ pd
         US: Texas

         Texas Universities Health Plan Inc           64463     NR-5
         US: Texas

-        Tufts Associated Health Maint Org Inc        68684     B pd
         US: Massachusetts

         UCSD Health Plan                             64603     NR-5
         US: California

-        Union Health Service Inc                     64091     B- pd
         US: Illinois

         United Dental Care of Indiana Inc            65713     NR-2
         US: Indiana

         United Dental Care of Nebraska Inc           65712     NR-2
         US: Nebraska

         United Dental Care of Pennsylvania Inc       64359     NR-2
         US: Pennsylvania

         United Dental Care of Utah Inc               64362     NR-2
         US: Utah

+        UTMB Health Plans Inc                        64511     C+ pd
         US: Texas

         Valley Health Plan                           64152     C++ pd
         US: California

         Vantage Health Plan Inc                      64282     B pd
         US: Louisiana

         Victory Health Plan Inc                      60115     NR-5
         US: Tennessee

         Vista Behavioral Health Plans                64650     NR-5
         US: California

-        VIVA Health Inc                              64257     C++ pd
         US: Alabama

         Volunteer State Health Plan Inc              64304     NR-5
         US: Tennessee

-        Wellness Plan                                68623     C- pd
         US: Michigan

+        Western Dental Services Inc                  64651     B pd
         US: California

         Western Health Advantage                     64577     NR-5
         US: California

         Willamette Dental of Washington Inc          64529     NR-5
         US: Washington

                   Property/Casualty

New      21st Century Insurance Company of AZ         11877     A+
         US: Arizona

-        Algoma Mutual Insurance Company              87771     B- pd
         Canada: Ontario

         American Indemnity Company                   02037     NR-3
         US: Texas

         American Indemnity Financial Group           18583     NR-5
         US: Delaware

-        American Manufacturers Mutual Ins Co         02273     D
         US: Illinois

-        American Motorists Insurance Company         02274     D
         US: Illinois

-        American Nat'l Lawyers Ins Recip (RRG)       11383     F
         US: Tennessee

-        American Protection Insurance Company        02275     D
         US: Illinois

+        AmTrust Group                                18533     A-
         US: New York

         Amwest Surety Insurance Company              03675     NR-5
         US: Nebraska

         Angelina Casualty Company                    00167     NR-3
         US: Nebraska

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

-        Assurances Gen. Caisses Desjardins           86005     B++ pd
         Canada: Quebec

-        Atlantic Insurance Company                   02220     A
         US: Texas

-        Attorneys Liab Protection Soc, A RRG         11054     A-
         US: Montana

-        BCAA Insurance Corporation                   87017     B- pd
         Canada: British Columbia

-        CAA Insurance Company (Ontario)              85708     B pd
         Canada: Ontario

         Canadian Millers Mutual Insurance Co         85715     NR-5
         Canada: Ontario

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

+        Capacity Insurance Company                   10738     B++
         US: Florida

-        Cascade National Insurance Company           11683     C++
         US: Washington

         Catawba Insurance Company                    02462     NR-3
         US: South Carolina

         CBIA Comp. Services, Inc.                    75458     NR-4
         US: Connecticut

-        CIM Insurance Corporation                    02197     A
         US: Michigan

-        Civil Service Employees Group                03023     B++
         US: California

-        Civil Service Employees Insurance Co         00274     B++
         US: California

         Clare Mutual Insurance Company               87027     B- pd
         Canada: Nova Scotia

         Colonial Casualty Insurance Company          01927     NR-5
         US: Texas

         Connecticut Surety Company                   10754     NR-5
         US: Connecticut

         Consolidated American Insurance Company      02463     NR-3
         US: South Carolina

         Coregis Group                                18246     NR-5
         US: Indiana

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

-        CPA Mutual Insurance Co of America RRG       11319     B++
         US: Vermont

-        CSE Safeguard Insurance Company              01963     B++
         US: California

-        CUMIS General Insurance Company              85737     C++ pd
         Canada: Ontario

-        Dakota Truck Underwriters                    11130     B++
         US: South Dakota

+        Dallas Fire Insurance Company                01790     B+
         US: Texas

         Delta Casualty Company                       03321     NR-5
         US: Illinois

-        Diamond State Insurance Company              02820     A
         US: Indiana

-        Doctors Company An Interinsurance Exch       03686     A-
         US: California

-        Doctors Company Insurance Group              18083     A-
         U5: California

-        Doctors Insurance Recip RRG                  11111     F
         US: Tennessee

-        Dorinco Reinsurance Company                  03771     A-
         US: Michigan

-        Eagle Insurance Group (WA)                   18007     C++ u
         US: Washington

-        Eagle Pacific Insurance Company              03803     C++ u
         US: Washington

         Eastern Dentists Insurance Co (A RRG)        11397     NR-4
         US: Vermont

-        ECM Group                                    18547     B
         US: Pennsylvania

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

New      Employers Ins Co of Nevada, A Mutual Co  12516         A-
         US: Nevada

New      Employers Insurance Group                18602         A-
         US: Nevada

-        Employers Re Corp Group                      05967     A
         US: Missouri

-        Employers Reinsurance Corporation            00347     A
         US: Missouri

         Everest Insurance Company of Canada          87033     NR-3
         Canada: Ontario

-        Everett Cash Mutual Insurance Company        04351     8
         US: Pennsylvania

-        Ever-Greene Mutual Insurance Company         04757     B
         US: Pennsylvania

         Far West Insurance Company                   01802     NR-5
         US: Nebraska

New      Fidelity National Group                      18606     B++
         US: California

New      Fidelity National Lloyds                     12582     B++
         US: Texas

+        First Community Insurance Company            04496     B++
         US: New York

+        Folksamerica Reinsurance Company             02642     A
         US: New York

-        Foundation Reserve Insurance Co, Inc         02293     B-
         US: New Mexico

         Frontier Insurance Company                   03729     NR-5
         US: New York

         Frontier Pacific Insurance Company           01716     NR-5
         US: California

         Gallant Insurance Company                    02574     NR-5
         US: Illinois

         GE Global Insurance Group                    25025     NR-5
         US: Kansas

-        GE Reinsurance Corporation                   04124     A
         US: Illinois

-        GMAC Direct Insurance Company                12415     A
         US: Missouri

-        GMAC Insurance Company Online Inc            12403     A
         US: Missouri

-        GMAC Insurance Group                         18431     A
         US: Michigan

-        Gulf Group Lloyds                            03847     A
         US: Texas

-        Gulf Insurance Company                       02451     A
         US: Connecticut

-        Gulf Insurance Company U.K. Limited          87376     A
         United Kingdom

-        Gulf Insurance Group                         00446     A
         US: Connecticut

-        Gulf Underwriters Insurance Company          11208     A
         US: Connecticut

         Hamilton Twp Farmers Mutual Fire Ins Co      87743     NR-5
         Canada: Ontario

-        Home Insurance Company                       02242     F
         US: New Hampshire

         Howick Mutual Insurance Company              87052     NR-5
         Canada: Ontario

New      Insurors Indemnity Companies                 18609     B++
         US: Texas

+        Insurors Indemnity Company                   11077     B++
         US: Texas

New      Insurors Indemnity Lloyds                    12570     B++
         US: Texas

-        Integon Casualty Insurance Company           11301     A
         US: North Carolina

-        Integon General Insurance Corporation        02459     A
         US: North Carolina

-        Integon Indemnity Corporation                02458     A
         US: North Carolina

-        Integon National Insurance Company           02387     A
         US: North Carolina

-        Integon Preferred Insurance Company          11650     A
         US: North Carolina

-        Integon Specialty Insurance Company          11034     A
         US: North Carolina

-        Kemper Casualty Insurance Company            12301     D
         US: Illinois

-        Kemper Commercial Insurance Company          12291     D
         US: Illinois

-        Kemper Employers Insurance Company           11755     D
         US: Illinois

-        Kemper Indemnity Insurance Company           12183     D
         US: Illinois

-        Kemper Insurance Companies                   04427     D
         US: Illinois

-        Kemper Lloyds Insurance Company              01759     D
         US: Texas

-        Kemper Surplus Lines Insurance Company       12229     D
         US: Illinois

-        Kentucky National Insurance Company          03579     C
         US: Kentucky

-        Langdon Insurance Company                    85765     B+ pd
         Canada: Ontario

         Loyalist Insurance Company                   87061     NR-5
         Canada: Ontario

-        Lumbermens Mutual Casualty Company           02279     D
         US: Illinois

-        Lumbermens Underwriting Alliance             02296     B+
         US: Missouri

-        MAG Mutual Insurance Company                 01936     A-
         US: Georgia

         Markham General Insurance Company            87772     NR-5
         Canada: Ontario

-        Medical Liability Mutual Insurance Co        03667     8
         US: New York

-        Medical Protective Company                   00591     A
         US: Indiana

-        MIC General Insurance Corporation            02669     A
         US: Michigan

-        MIC Property and Casualty Insurance Corp     02652     A
         US: Michigan

-        MLMIC Group                                  18439     B
         US: New York

         Montgomery Indemnity Company                 10649     NR-5
         US: Maryland

-        Motors Insurance Corporation                 00654     A
         US: Michigan

-        National General Assurance Company           01822     A
         US: Missouri

-        National General Insurance Company           03366     A
         US: Missouri

New      NCMIC Group                                  18579     A
         US: Iowa

-        New South Insurance Company                  00698     A
         US: North Carolina

-        OHIC Insurance Company                       03778     B
         US: Ohio

         Orleans General Ins Co                       87773     NR-5
         Canada: Quebec

-        Pacific Eagle Insurance Company              10627     C++ u
         US: California

-        Pafco General Insurance Company              00262     D
         US: Indiana

         PAULA Insurance Company                      03658     NR-5
         US: California

-        Peace Hills General Insurance Company        86955     C++ pd
         Canada: Alberta

-        Pennsylvania Medical Society Liab Ins Co     03744     B++
         US: Pennsylvania

-        Personal General Insurance Inc.              86006     B++ Pd
         Canada: Quebec

-        Personal Insurance Company                   85776     B pd
         Canada: Quebec

-        Perth Insurance Company                      85777     B+ pd
         Canada: Ontario

-        Princeton Insurance Company                  02873     B-
         US: New Jersey

-        Professional Liability Ins Co of America     11411     B
         US: New York

-        Professional Underwriters Liab Ins Co        10763     A-
         US: Utah

         Providence Plantations Insurance Co          10616     NR-3
         US: Rhode Island

-        Reciprocal Alliance (RRG)                    11797     F
         US: Tennessee

-        Reciprocal of America                        03776     F
         US: Virginia

+        Rochdale Insurance Company                   03120     A-
         US: New York

-        Rutgers Casualty Insurance Company           01838     B
         US: New Jersey

-        Rutgers Casualty Insurance Group             18507     B
         US: New Jersey

         Sable Insurance Company                      12043     NR-5
         US: California

+        Sagamore Insurance Company                   01840     A+
         US: Indiana

         Saskatchewan Motor Club Insurance Co Ltd     87084     B+ pd
         Canada: Saskatchewan

-        Security Indemnity Insurance Company         10420     E
         US: New Jersey

+        Security National Insurance Company          87089     B++ pd
         Canada: Quebec

-        Select Insurance Company                     02222     A
         US: Texas

-        Service General Insurance Company            04698     B++
         US: Ohio

         South Carolina Insurance Company             00840     NR-5
         US: South Carolina

-        Southern States Insurance Exchange           00848     A
         US: Virginia

-        Specialty National Insurance Company         12302     D
         US: Illinois

-        Specialty Surplus Insurance Company          12349     D
         US: Illinois

         SSQ Society Assurances Generales             87093     NR-5
         Canada: Quebec

         Stanley Mutual Insurance Company             87094     NR-5
         Canada: New Brunswick

-        Superior American Insurance Company          11704     C-
         US: Florida

-        Superior Guaranty Insurance Company          11705     C-
         US: Florida

-        Superior Insurance Company                   00874     C-
         US: Florida

-        Superior Insurance Group                     18308     C-
         US: Florida

+        Technology Insurance Company, Inc            11234     A-
         US: New Hampshire

         Texas General Indemnity Company              02038     NR-3
         US: Colorado

+        Texas Hospital Insurance Exchange            03650     C++
         US: Texas

+        Tower Insurance Company of New York          11356     B++
         US: New York

+        Toyota Motor Insurance Company               11099     A-
         US: Iowa

New      Tuscarora Wayne Insurance Company            12571     A+
         US: Pennsylvania

New      Tuscarora-Wayne Companies                    18614     A+
         US: Pennsylvania

-        Underwriter for the Professions Ins Co       11091     A-
         US: Colorado

         Underwriters Guarantee Insurance Company     00541     NR-5
         US: Florida

         United Capitol Insurance Company             02795     NR-5
         US: Illinois

-        United National Casualty Ins Co              12537     A
         US: Indiana

-        United National Group                        02955     A
         US: Pennsylvania

-        United National Insurance Company            03128     A
         US: Pennsylvania

-        United National Specialty Insurance Co       00447     A
         US: Wisconsin

-        US International Reinsurance Company         02624     F
         US: New Hampshire

         Valor Insurance Company                      10762     NR-5
         US: Illinois

+        Verlan Fire Insurance Company                11576     A
         US: Maryland

         Wasatch Crest Insurance Company              00942     NR-1
         US: Utah

         West Elgin Mutual Insurance Company          84243     NR-5
         Canada: Ontario

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

New      Wisconsin County Mutual Group                18596     A-
         US: Wisconsin

                   International

         Accelerated Reinsurance Company Ltd          73160     NR-3
         Bermuda

+        AmTrust International Insurance Ltd          50300     A-
         Bermuda

-        GE Frankona Group                            88108     A
         Germany

-        GE Frankona Reassurance Limited              86653     A
         United Kingdom

-        GE Frankona Reinsurance A/S                  85501     A
         Denmark

-        GE Frankona Reinsurance Ltd                  86655     A
         United Kingdom

-        GE Frankona Rueckversicherungs-AG            85311     A
         Germany

-        Irish European Reinsurance Company Ltd       86848     A
         Ireland

New      Lloyd's Syndicate 2010                       48932     A- s
         United Kingdom

New      Lloyd's Syndicate 3000                       48945     A- s
         United Kingdom

-        Luxembourg European Reinsurance S.A.         86847     A
         Luxembourg

+        Markel International Insurance Co Ltd        85173     A-
         United Kingdom

-        National Warranty Ins RRG                    11609     C- u
         Cayman Islands

New      Oriental Fire & Marine Ins Co Ltd            85600     B++
         South Korea

New      Tokio Millennium Re Ltd                      73848     A++
         Bermuda

         Ratings Under Review

                   Life/Health

U        Blue Cross & BS United of WI                 64315     B+ u
         US: Wisconsin

U        United Heartland Life Insurance Company      60054     B+ u
         US: Wisconsin

                      HMO

U        Compcare Health Services Ins Corp            68610     B+ u
         US: Wisconsin

U        Unity Health Plans Insurance Corporation     68781     B+ u
         US: Wisconsin

U        Valley Health Plan Inc                       68825     B+ u
         US: Wisconsin

         Property/Casualty

U        Atlantic Lloyds Insurance Company of TX      02849      A- u
         US: Texas

U        Atlantic Mutual Companies                    00178      A- u
         US: New York

U        Atlantic Mutual Insurance Company            02063      A- u
         US: New York

U        Atlantic Specialty Insurance Company         00506      A- u
         US: New York

U        Centennial Insurance Company                 02064      A- u
         US: New York

U        GE Auto & Home Assurance Company             02796      A u
         US: Pennsylvania

U        GE Casualty Insurance Company                02123      A u
         US: Pennsylvania

U        GE Financial/P&C                             05901      A u
         US: Pennsylvania

U        GE Indemnity Insurance Company               11768      A u
         US: Pennsylvania

U        GE Property & Casualty Insurance Company     00876      A u
         US: Pennsylvania

U        Montgomery Ward Insurance Company            03595      A u
         US: Illinois

U        National Service Contract Ins Co RRG         11820      A- u
         US: Hawaii

U        Royal & SunAlliance Insurance (PR), Inc.     03828      A- u
         US: Puerto Rico

U        United Wisconsin Insurance Company           01932      B+ u
         US: Wisconsin

                                                  Previous
Company Name & Domicile                             Rating

             Life

American Capitol Insurance Company                      B-
US: Texas

American Income Life Insurance Company                   A
US: Indiana

Ameritas Life Insurance Corp                            A+
US: Nebraska

Arkansas National Life Insurance Company              NR-2
US: Arkansas

Bankers Commercial Life Insurance Co                     F
US: Texas

Delta Dental Plan of Iowa                             NR-5
US: Iowa

Employees Life Company (Mutual)                        B++
US: Illinois

Employers Reassurance Corporation                     A+ u
US: Kansas

ERC Life Reinsurance Corporation                      A+ u
US: Missouri

First Ameritas Life Insurance Corp of NY                A+
US: New York

First National Life Ins Co of America                    F
US: Mississippi

First Pyramid Life Ins Co of America                    A-
US: Arkansas

Greek Catholic Union of the U.S.A.                      B+
US: Pennsylvania

Houston National Life Insurance Company                 A-
US: Texas

LifeWise Health Plan of Arizona Inc                    B++
US: Washington

LifeWise Health Plan of Oregon Inc                      B+
US: Oregon

Maxicare Life and Health Insurance Co                    F
US: Missouri

Pioneer Mutual Life Insurance Company                   A-
US: North Dakota

RightCHOICE Insurance Company                           A-
US: Illinois

Statesman National Life Insurance Co                     E
US: Texas

Texas Imperial Life Insurance Company                   B-
US: Texas

Valley Group Hospital Service Corp                    NR-1
US: Texas

Vision Services Plan Inc Oklahoma                     NR-2
US: Oklahoma

Workmen's Benefit Fund of USA                           B+
US: New York

               HMO

AECC Total Vision Health Plan of Texas               B- pd
US: Texas

Aloha Care                                          C++ pd
US: Hawaii

AmCare Health Plans of Oklahoma Inc                      E
US: Oklahoma

Americas Health Choice Medical Plans Inc              NR-5
US: Florida

AMERIGROUP Florida Inc                              C++ pd
US: Florida

AMERIGROUP Illinois Inc                             C++ pd
US, Illinois

AMERIGROUP New Jersey Inc                             NR-5
US: New Jersey

Amil International (Texas) Inc                        B pd
US: Texas

Block Vision of Texas Inc                            C+ pd
US: Texas

Botsford Health Plan                                  NR-5
US: Michigan

Care Choices HMO                                    C++ pd
US: Michigan

Central Oregon Independent Health Servcs            C++ pd
US: Oregon

Children's Mercy's Family Health Partner             C+ pd
US: Missouri

Comanche County Hospital Authority                   B- pd
US: Oklahoma

Community First Health Plans Inc                    C++ pd
US: Texas

Community Health Choice Inc                         C++ pd
US: Texas

Community Health Group                                B pd
US: California

Community Health Plan of the Rockies Inc                 E
US: Colorado

CommunityCare HMO Inc                                C+ pd
US: Oklahoma

Consumer-Health Inc                                   B pd
US: California

DENCAP Dental Plans Inc                               C pd
US: Michigan

Dental Care Plus Inc                                  NR-5
US: Ohio

Dental Health Services                               C+ pd
US: Washington

DentaQuest Mid-Atlantic Inc                           C pd
US: Maryland

DentaQuest Virginia Inc                               C pd
US: Virginia

DentiCare Inc                                         B pd
US: Texas

Denticare of Arkansas Inc                               A-
US: Arkansas

Denver Health Medical Plan Inc                      C++ pd
US: Colorado

El Paso First Health Plans                            NR-5
US: Texas

EYEMED Inc                                            NR-5
US: California

First Medical Health Plan Inc                         C pd
US: Puerto Rico

First Option Corporation - Nebraska                   C pd
US: Nebraska

FirstChoice HealthPlans of Connecticut                D pd
US: Connecticut

Fortis Benefits DentalCare of Wisconsin                 A-
US: Wisconsin

Foundation Health a FL Health Plan Inc                C pd
US: Florida

Grand Valley Health Plan Inc                         C+ pd
US: Michigan

Group Health Plan Inc                                B- pd
US: Minnesota

Health Tradition Health Plan                          B pd
US: Wisconsin

Healthy Palm Beaches Inc                              NR-5
US: Florida

International Dental Plans Inc                        NR-3
US: Florida

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

Kaiser Foundation Health Plan of Ohio                 B pd
US: Ohio

Kern Health Systems                                  B+ pd
US: California

Lifeguard Inc                                            E
US: California

LifeWise Health Plan of Washington                    NR-3
US: Washington

MDNY Healthcare Inc                                  C+ pd
US: New York

Medica Health Plans of Wisconsin                      B pd
US: Wisconsin

Medical Eye Services Inc                              NR-5
US: California

Medical Health Insuring Corp of Ohio                 C+ pd
US: Ohio

Memphis Managed Care Corporation                    C++ pd
US: Tennessee

Metropolitan Health Plan                             B- pd
US: Minnesota

Metrowest Health Plan Inc                             NR-5
US: Texas

Midwest Health Plan Inc                              B- pd
US: Michigan

National Med Inc                                     B- pd
US: California

Neighborhood Health Partnership Inc                  B- pd
US: Florida

Neighborhood Health Plans of RI Inc                 C++ pd
US: Rhode Island

NVAL Visioncare Systems of California                 NR-5
US: California

OmniCare Health Plan Inc                             B- pd
US: Tennessee

Pacific Hospital Association                          B pd
US: Oregon

Pearle Managed Care - HMO of Texas Inc               B- pd
US: Texas

PHP Insurance Plan Inc                               C+ pd
US: Wisconsin

Physicians Health Plan of South Michigan             B- pd
US: Michigan

Physicians Health Plan of Southwest MI               C+ pd
US: Michigan

Physicians Plus Insurance Corporation                B- pd
US: Wisconsin

Piedmont Community Healthcare Inc                     NR-5
US: Virginia

Preferred Health Partnership of TN Inc               C+ pd
US: Tennessee

Preferred Medical Plan                                B pd
US: Florida

Premier Behavioral Systems of TN LLC                 C+ pd
US: Tennessee

Presbyterian Health Plan Inc                        C++ pd
US: New Mexico

QualChoice of North Carolina Inc                     C+ pd
US: North Carolina

Safeguard Health Plans Inc                            NR-5
US: California

Santa Clara County Health Authority                   NR-5
US: California

Scripps Clinic Health Plan Services Inc               C pd
US: California

SecureCare of Iowa Inc                                C pd
US: Iowa

Texas Children's Health Plan Inc                     C+ pd
US: Texas

Texas Universities Health Plan Inc                  C++ pd
US: Texas

Tufts Associated Health Maint Org Inc                B+ pd
US: Massachusetts

UCSD Health Plan                                      C pd
US: California

Union Health Service Inc                              B pd
US: Illinois

United Dental Care of Indiana Inc                       A-
US: Indiana

United Dental Care of Nebraska Inc                      A-
US: Nebraska

United Dental Care of Pennsylvania Inc                  A-
US: Pennsylvania

United Dental Care of Utah Inc                          A-
US: Utah

UTMB Health Plans Inc                                 C pd
US: Texas

Valley Health Plan                                    NR-5
US: California

Vantage Health Plan Inc                               NR-5
US: Louisiana

Victory Health Plan Inc                             C++ pd
US: Tennessee

Vista Behavioral Health Plans                        C+ pd
US: California

VIVA Health Inc                                      B- pd
US: Alabama

Volunteer State Health Plan Inc                     C++ pd
US: Tennessee

Wellness Plan                                        C+ pd
US: Michigan

Western Dental Services Inc                          B- pd
US: California

Western Health Advantage                              C pd
US: California

Willamette Dental of Washington Inc                 C++ pd
US: Washington

          Property/Casualty

21st Century Insurance Company of AZ                  NR-5
US: Arizona

Algoma Mutual Insurance Company                      B+ pd
Canada: Ontario

American Indemnity Company                              B+
US: Texas

American Indemnity Financial Group                      B+
US: Delaware

American Manufacturers Mutual Ins Co                   C++
US: Illinois

American Motorists Insurance Company                   C++
US: Illinois

American Nat'l Lawyers Ins Recip (RRG)                   E
US: Tennessee

American Protection Insurance Company                  C++
US: Illinois

AmTrust Group                                          B++
US: New York

Amwest Surety Insurance Company                          F
US: Nebraska

Angelina Casualty Company                                E
US: Nebraska

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

Assurances Gen. Caisses Desjardins                   A- pd
Canada: Quebec

Atlantic Insurance Company                              A+
US: Texas

Attorneys Liab Protection Soc, A RRG                     A
US: Montana

BCAA Insurance Corporation                           B+ pd
Canada: British Columbia

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

Canadian Millers Mutual Insurance Co                     E
Canada: Ontario

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

Capacity Insurance Company                              B+
US: Florida

Cascade National Insurance Company                       B
US: Washington

Catawba Insurance Company                                E
US: South Carolina

CBIA Comp. Services, Inc.                                B
US: Connecticut

CIM Insurance Corporation                               A+
US: Michigan

Civil Service Employees Group                           A-
US: California

Civil Service Employees Insurance Co                    A-
US: California

Clare Mutual Insurance Company                        NR-2
Canada: Nova Scotia

Colonial Casualty Insurance Company                      E
US: Texas

Connecticut Surety Company                               F
US: Connecticut

Consolidated American Insurance Company                  E
US: South Carolina

Coregis Group                                           A-
US: Indiana

Country-Wide Insurance Company                           B
US: New York

CPA Mutual Insurance Co of America RRG                  A-
US: Vermont

CSE Safeguard Insurance Company                         A-
US: California

CUMIS General Insurance Company                      B- pd
Canada: Ontario

Dakota Truck Underwriters                               A-
US: South Dakota

Dallas Fire Insurance Company                            B
US: Texas

Delta Casualty Company                                   F
US: Illinois

Diamond State Insurance Company                         A+
US: Indiana

Doctors Company An Interinsurance Exch                   A
US: California

Doctors Company Insurance Group                          A
U5: California

Doctors Insurance Recip RRG                              E
US: Tennessee

Dorinco Reinsurance Company                              A
US: Michigan

Eagle Insurance Group (WA)                             B u
US: Washington

Eagle Pacific Insurance Company                        B u
US: Washington

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

ECM Group                                               B+
US: Pennsylvania

Economical Mutual Insurance Company                 B++ pd
Canada: Ontario

New Employers Ins Co of Nevada, A Mutual Co
US: Nevada

New Employers Insurance Group
US: Nevada

Employers Re Corp Group                               A+ u
US: Missouri

Employers Reinsurance Corporation                     A+ u
US: Missouri

Everest Insurance Company of Canada                     A+
Canada: Ontario

Everett Cash Mutual Insurance Company                   B+
US: Pennsylvania


Ever-Greene Mutual Insurance Company                    B+
US: Pennsylvania

Far West Insurance Company                               F
US: Nebraska

Fidelity National Group
US: California

Fidelity National Lloyds
US: Texas

First Community Insurance Company                      B u
US: New York

Folksamerica Reinsurance Company                        A-
US: New York

Foundation Reserve Insurance Co, Inc                   B u
US: New Mexico

Frontier Insurance Company                               E
US: New York

Frontier Pacific Insurance Company                       F
US: California

Gallant Insurance Company                                F
US: Illinois

GE Global Insurance Group                             A+ u
US: Kansas

GE Reinsurance Corporation                            A+ u
US: Illinois

GMAC Direct Insurance Company                           A+
US: Missouri

GMAC Insurance Company Online Inc                       A+
US: Missouri

GMAC Insurance Group                                    A+
US: Michigan

Gulf Group Lloyds                                       A+
US: Texas

Gulf Insurance Company                                  A+
US: Connecticut

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

Gulf Insurance Group                                    A+
US: Connecticut

Gulf Underwriters Insurance Company                     A+
US: Connecticut

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

Home Insurance Company                                   F
US: New Hampshire

Howick Mutual Insurance Company                      B+ pd
Canada: Ontario

Insurors Indemnity Companies
US: Texas

Insurors Indemnity Company                              B+
US: Texas

Insurors Indemnity Lloyds
US: Texas

Integon Casualty Insurance Company                      A+
US: North Carolina

Integon General Insurance Corporation                   A+
US: North Carolina

Integon Indemnity Corporation                           A+
US: North Carolina

Integon National Insurance Company                      A+
US: North Carolina

Integon Preferred Insurance Company                     A+
US: North Carolina

Integon Specialty Insurance Company                     A+
US: North Carolina

Kemper Casualty Insurance Company                      C++
US: Illinois

Kemper Commercial Insurance Company                    C++
US: Illinois

Kemper Employers Insurance Company                     C++
US: Illinois

Kemper Indemnity Insurance Company                     C++
US: Illinois

Kemper Insurance Companies                             C++
US: Illinois

Kemper Lloyds Insurance Company                        C++
US: Texas

Kemper Surplus Lines Insurance Company                 C++
US: Illinois

Kentucky National Insurance Company                   B+ u
US: Kentucky

Langdon Insurance Company                           B++ pd
Canada: Ontario

Loyalist Insurance Company                           B- pd
Canada: Ontario

Lumbermens Mutual Casualty Company                     C++
US: Illinois

Lumbermens Underwriting Alliance                       B++
US: Missouri

MAG Mutual Insurance Company                             A
US: Georgia

Markham General Insurance Company                        F
Canada: Ontario

Medical Liability Mutual Insurance Co                B++ u
US: New York

Medical Protective Company                            A+ u
US: Indiana

MIC General Insurance Corporation                       A+
US: Michigan

MIC Property and Casualty Insurance Corp                A+
US: Michigan

MLMIC Group                                          B++ u
US: New York

Montgomery Indemnity Company                             A
US: Maryland

Motors Insurance Corporation                            A+
US: Michigan

National General Assurance Company                      A+
US: Missouri

National General Insurance Company                      A+
US: Missouri

NCMIC Group
US: Iowa

New South Insurance Company                             A+
US: North Carolina

CHIC Insurance Company                               B++ u
US: Ohio

Orleans General Ins Co                               B+ pd
Canada: Quebec

Pacific Eagle Insurance Company                        B u
US: California

Pafco General Insurance Company                          C
US: Indiana

PAULA Insurance Company                                  F
US: California

Peace Hills General Insurance Company                B- pd
Canada: Alberta

Pennsylvania Medical Society Liab Ins Co                A-
US: Pennsylvania

Personal General Insurance Inc.                      A- pd
Canada: Quebec

Personal Insurance Company                           B+ pd
Canada: Quebec

Perth Insurance Company                             B++ pd
Canada: Ontario

Princeton Insurance Company                            B u
US: New Jersey

Professional Liability Ins Co of America             B++ u
US: New York

Professional Underwriters Liab Ins Co                    A
US: Utah

Providence Plantations Insurance Co                      A
US: Rhode Island

Reciprocal Alliance (RRG)                                E
US: Tennessee

Reciprocal of America                                    E
US: Virginia

Rochdale Insurance Company                             B++
US: New York

Rutgers Casualty Insurance Company                      B+
US: New Jersey

Rutgers Casualty Insurance Group                        B+
US: New Jersey

Sable Insurance Company                                  F
US: California

Sagamore Insurance Company                               A
US: Indiana

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

Security Indemnity Insurance Company                     D
US: New Jersey

Security National Insurance Company                  B+ pd
Canada: Quebec

Select Insurance Company                                A+
US: Texas

Service General Insurance Company                       A-
US: Ohio

South Carolina Insurance Company                         E
US: South Carolina

Southern States Insurance Exchange                      A+
US: Virginia

Specialty National Insurance Company                   C++
US: Illinois

Specialty Surplus Insurance Company                    C++
US: Illinois

SSQ Society Assurances Generales                    B++ pd
Canada: Quebec

Stanley Mutual Insurance Company                     B+ pd
Canada: New Brunswick

Superior American Insurance Company                    C++
US: Florida

Superior Guaranty Insurance Company                    C++
US: Florida

Superior Insurance Company                             C++
US: Florida

Superior Insurance Group                               C++
US: Florida

Technology Insurance Company, Inc                      B++
US: New Hampshire

Texas General Indemnity Company                         B+
US: Colorado

Texas Hospital Insurance Exchange                       C+
US: Texas

Tower Insurance Company of New York                     B+
US: New York

Toyota Motor Insurance Company                         B++
US: Iowa

Tuscarora Wayne Insurance Company
US: Pennsylvania

Tuscarora-Wayne Companies
US: Pennsylvania

Underwriter for the Professions Ins Co                   A
US: Colorado

Underwriters Guarantee Insurance Company                 E
US: Florida

United Capitol Insurance Company                         F
US: Illinois

United National Casualty Ins Co                         A+
US: Indiana

United National Group                                   A+
US: Pennsylvania

United National Insurance Company                       A+
US: Pennsylvania

United National Specialty Insurance Co                  A+
US: Wisconsin

US International Reinsurance Company                     E
US: New Hampshire

Valor Insurance Company                                  F
US: Illinois

Verlan Fire Insurance Company                           A-
US: Maryland

Wasatch Crest Insurance Company                          D
US: Utah

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

West Wawanosh Mutual Insurance Company               B+ pd
Canada: Ontario

Wisconsin County Mutual Group
US: Wisconsin

          International

Accelerated Reinsurance Company Ltd                     A-
Bermuda

AmTrust International Insurance Ltd                    B++
Bermuda

GE Frankona Group                                     A+ u
Germany

GE Frankona Reassurance Limited                       A+ u
United Kingdom

GE Frankona Reinsurance A/S                           A+ u
Denmark

GE Frankona Reinsurance Ltd                           A+ u
United Kingdom

GE Frankona Rueckversicherungs-AG                     A+ u
Germany

Irish European Reinsurance Company Ltd                A+ u
Ireland

Lloyd's Syndicate 2010
United Kingdom

Lloyd's Syndicate 3000
United Kingdom

Luxembourg European Reinsurance S.A.                  A+ u
Luxembourg

Market International Insurance Co Ltd                  B++
United Kingdom

National Warranty Ins RRG                              B u
Cayman Islands

Oriental Fire & Marine Ins Co Ltd                     NR-5
South Korea

Tokio Millennium Re Ltd
Bermuda

Ratings Under Review

          Life/Health

Blue Cross & BS United of WI                            B+
US: Wisconsin

United Heartland Life Insurance Company                 B+
US: Wisconsin

             HMO

Compcare Health Services Ins Corp                       B+
US: Wisconsin

Unity Health Plans Insurance Corporation                B+
US: Wisconsin

Valley Health Plan Inc                                  B+
US: Wisconsin

Property/Casualty

Atlantic Lloyds Insurance Company of TX                 A-
US: Texas

Atlantic Mutual Companies                               A-
US: New York

Atlantic Mutual Insurance Company                       A-
US: New York

Atlantic Specialty Insurance Company                    A-
US: New York

Centennial Insurance Company                            A-
US: New York

GE Auto & Home Assurance Company                         A
US: Pennsylvania

GE Casualty Insurance Company                            A
US: Pennsylvania

GE Financial/P&C                                         A
US: Pennsylvania

GE Indemnity Insurance Company                           A
US: Pennsylvania

GE Property & Casualty Insurance Company                 A
US: Pennsylvania

Montgomery Ward Insurance Company                        A
US: Illinois

National Service Contract Ins Co RRG                    A-
US: Hawaii

Royal & SunAlliance Insurance (PR), Inc.                A-
US: Puerto Rico

United Wisconsin Insurance Company                      B+
US: Wisconsin

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 of Best's Insurance Reports[R] or Best's Key Rating Guide[R]. Best's Ratings reflect our opinion of a company's financial strength and ability to meet its ongoing 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 your request, please provide the company's identification number (AMB #).

* All rating actions are published in the Rating Monitor section of BestWeek[R], Selected rating changes and new ratings are published in Best's Review[R] (our monthly magazine).

BEST'S RATINGS

A.M. Best ratings (A++ to F) are assigned to insurance companies that subscribe to our interactive rating service. The Best's Rating represents an opinion based on a comprehensive quantitative and qualitative evaluation of a company's balance sheet strength, operating performance and business profile,
Secure Best's Ratings

A++ and A+               Superior
A and A-                Excellent
B++ and B+              Very Good

Vulnerable Best's Ratings

B and B-                     Fair
C++ and C+               Marginal
C and C-                     Weak
D                            Poor
E    Under Regulatory Supervision
F                  In Liquidation
S                Rating Suspended


RATING MODIFIERS

Under Review (u) Rating Modifiers are assigned to Best's Ratings to identify companies whose rating opinions are Under Review and may be subject to near-term change.

Syndicate (s) Rating Modifiers are assigned to syndicates operating at Lloyd's.

Best's Public Data (pd) Rating Modifiers may be assigned to Health Maintenance Organizations (HMOs), Canadian, UK and other European 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.

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)

Assigned to all letter-rated (A++ through D) insurance companies and reflects their size based on their capital, surplus and conditional reserve funds. For information, refer to the Preface.

Best's Ratings are proprietary and may not be reproduced without permission.
COPYRIGHT 2003 A.M. Best Company, Inc.
No portion of this article can be reproduced without the express written permission from the copyright holder.
Copyright 2003, Gale Group. All rights reserved. Gale Group is a Thomson Corporation Company.

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Date:Aug 1, 2003
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