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Best's rating changes.


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

This edition of Best's Rating Changes reflects all rating This changes--assignments, changes or placed under review--that occurred for life, health and proper ty/ casualty insurers domiciled dom·i·cile  
n.
1. A residence; a home.

2. One's legal residence.

v. dom·i·ciled, dom·i·cil·ing, dom·i·ciles

v.tr.
1.
 in North America North America, third largest continent (1990 est. pop. 365,000,000), c.9,400,000 sq mi (24,346,000 sq km), the northern of the two continents of the Western Hemisphere. , as well as international insurance companies, since this section last appeared in the December December: see month.  2006 edition of Best's Review.

See page 20 for the current Guide to Best's Financial Strength Ratings or visit the A.M. Best Co. Web site at www.ambest.com/ratings/guide.html for detailed rating definitions. The A.M. Best rating of any company and basic company information also are available free of charge at www.ambest.com/ratings/access.html.
Ratings Chanqed

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

Life

+        Bankers Life of Louisiana        06151   B++       B-
         US: Louisiana

+        Central Reserve Life             06203   B++       B+ u
         Insurance Company
         US: Ohio

+        Christian Fidelity Life          06217   B++       B+
         Insurance Co
         US: Texas

+        Continental General Insurance    07360   B++       B+ u
         Company
         US: Nebraska

+        Empire HealthChoice Assurance    68564   A         A-
         Inc
         US: New York

         Financial Benefit Life           09377   NR-5      B+
         Insurance Company
         US: Kansas

+        Life of the South Insurance      08921   B++       B+
         Company
         US: Georgia

-        Medical Savings Insurance        07677   B         B+
         Company
         US: Indiana

         Member Service Life              08784   NR-5      A
         Insurance Company
         US: Oklahoma

         NationsBanc Insurance Company    07107   NR-5      A-
         Inc
         US: South Carolina

+        Oxford Life Insurance Company    07890   B++       B+
         US: Arizona

New      Provident American Life &        06932   B++       NR-2
         Health Ins Co
         US: Ohio

+        Southern Financial Life          60271   B++       B+
         Insurance Co
         US: Kentucky

-        United HealthCare Insurance      60071   A         A+
         Co of IL
         US: Illinois

-        United HealthCare Insurance      60108   A         A+
         Co of NY
         US: New York

-        United HealthCare Insurance      60046   A         A+
         Co of OH
         US: Ohio

-        United HealthCare Insurance      08290   A         A+
         Company
         US: Connecticut

         Zale Life Insurance Company      07349   B+        B++
         US: Arizona

HMO

+        Empire HealthChoice HMO Inc      64368   A         A-
         US: New York

         MCS Health Management Options    64591   NR-5      C+ pd
         Inc
         US: Puerto Rico

-        Western Dental Services Inc      64651   B++       A-
         US: California

New      Western Health Advantage         64577   B         C pd
         US: California

Property/Casualty

+        American Healthcare Indemnity    11856   B+        B
         Company
         US: Delaware

+        American Healthcare Specialty    11855   B+        B
         Ins Co
         US: Arkansas

New      ASI Assurance Corporation        10106   B++       NR-2
         US: Florida

New      Blue Whale Re Ltd.               71170   A-
         US: Vermont

         First Commercial Trans and       11104   NR-5      D
         Prop Ins
         US: Florida

-        Health Care Indemnity Inc        03701   B++       A- u
         US: Colorado

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

+        Majestic Insurance Company       01723   A-        B++ u
         US: California

+        Republic Indemnity Company of    00800   A         A-
         America
         US: California

+        Republic Indemnity Company of    01856   A         A-
         Calif.
         US: California

+        Republic Indemnity Insurance     03012   A         A-
         Pool
         US: California

+        SCPIE Companies                  18350   B+        B
         US: California

+        SCPIE Indemnity Company          11800   B+        B
         US: California

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

New      Triumphe Casualty Company        02810   A         NR-3
         US: Pennsylvania

         Valor Insurance Company,         11647   E         NR-3
         Incorporated
         US: Montana

International

         Aberdeen Asset Mgmt. Life &      87966   NR-5      B++ pd
         Pensions Ltd
         United Kingdom

New      Asia Capital Reinsurance Group   78461   A-
         Pte. Ltd.
         Singapore

         Bankers Insurance Company        87227   NR-5      B pd
         Limited
         United Kingdom

-        BUPA Insurance Limited           84804   B+ pd     B++ pd
         United Kingdom

         Canada Life Limited              87449   NR-5      B+ pd
         United Kingdom

New      Capital Region Insurance         76202   B+
         Company
         Cayman Islands

         CGU Underwriting Limited         87290   NR-5      A pd
         United Kingdom

+        Combined Life Assurance          84203   A-        B++
         Company Limited
         United Kingdom

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

         DAS Legal Expenses Insurance     87310   NR-5      B++ pd
         Company Ltd
         United Kingdom

         Europ Assistance Insurance       87338   NR-5      B pd
         Limited
         United Kingdom

+        Friends Provident Life &         84844   B++ pd    B+ pd
         Pensions Ltd
         United Kingdom

+        GE Life Limited                  87603   B+ pd     B pd
         United Kingdom

         Gresham Insurance Company        87371   NR-5      A- pd
         Limited
         United Kingdom

         Groupama Insurance Company Ltd   87434   NR-5      B+ pd

         United Kingdom

-        Hamilton Insurance Company       86142   B- pd     B pd
         Limited
         United Kingdom

         Hermes Assured Limited           87386   NR-5      B- pd
         United Kingdom

New      Insurance Company Eurasia JSC    78331   B+
         Kazakhstan

         JPMorgan Life Limited            87411   NR-3      B+ pd
         United Kingdom

         Landmark Insurance Company       87416   NR-5      B- pd
         Limited
         United Kingdom

         Legal & General Insurance        87423   NR-5      A- pd
         Limited
         United Kingdom

         Liberty Mutual Insurance         87425   NR-5      A- pd
         Europe Limited
         United Kingdom

         Lincoln Assurance Limited        87429   NR-5      B pd
         United Kingdom

+        Liverpool Victoria Life          87516   B- pd     C++ pd
         Company Ltd
         United Kingdom

+        London General Insurance         87438   A-        B++
         Company Ltd
         United Kingdom

         Merrill Lynch Pensions Limited   87457   NR-5      B++ pd

         United Kingdom

         Metlife Insurance Limited        87308   NR-5      B++ pd
         United Kingdom

         Morley Pooled Pensions Limited   87494   NR-5      A- pd
         United Kingdom

         Munich Reinsurance Co of         86473   NR-4      A+
         Australasia Ltd
         Australia

+        National Farmers Union Mutual    85012   A- pd     B++ pd
         Ins Soc
         United Kingdom

+        Nationwide Life Limited          87482   A- pd     B++ pd
         United Kingdom

+        Royal London Mutual Insurance    87567   B++ pd    B+ pd
         Soc Ltd
         United Kingdom

-        Royal Scottish Assurance Plc     87569   B+ pd     B++ pd
         United Kingdom

         Sompo Japan Insurance Co. of     86495   NR-5      B pd
         Europe
         United Kingdom

         Standard Life Assurance          85844   A- pd     NR-5
         Company 2006
         United Kingdom

New      Tapiola General Mutual Ins Co    83905   A         NR-5

         Finland

New      Tapiola General Mutual           85429   A         NR-5
         Insurance Company
         Finland

         Tokio Marine Europe Insurance    85366   NR-5      B++ pd
         Limited
         United Kingdom

New      Twin Bridges (Bermuda) Ltd       76327   A-
         Bermuda

+        Wesleyan Assurance Society       87665   B++ pd    B+ pd
         United Kingdom

         Winterthur Life UK Limited       87287   NR-5      B- pd
         United Kingdom

         Zurich International (UK)        86273   NR-5      B++ pd
         Limited
         United Kingdom

Ratings Under Review

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

         Life/Health
         Century Life Assurance Company   09124   B+ u      B+
         US: Oklahoma

         HCC Life Insurance Company       09081   A+ u      A+
         US: Indiana

         HIP Insurance Company of         08034   B+ u      B+
         New York
         US: New York

         Perico Life Insurance Company    08618   A u       A
         US: Delaware
HMO

         ConnectiCare Inc                 68517   B+ u      B+
         US: Connecticut

         Health Insurance Pln of          68985   B+ u      B+
         Greater NY
         US: New York

Property/Casualty

         American Contractors Indemnity   11019   A u       A
         Company
         US: California

         Avemco Insurance Company         00191   A+ u      A+
         US: Maryland

         HCC Insurance Company            03833   A u       A
         US: Indiana

         HCC Insurance Holdings           18421   A+ u      A+
         US: Texas

         HCC Specialty Insurance          12531   A+ u      A+
         Company
         US: Oklahoma

         Houston Casualty Company         03286   A+ u      A+
         US: Texas

         Lancer Casualty Company          10093   A- u      A-
         US: New Jersey

         Merchants Insurance Co of        02317   A- u      A-
         NH Inc
         US: New Hampshire

         Real State Insurance             73878   A- u      A-
         Corporation
         US: Hawaii

         U.S. Specialty Insurance         00747   A+ u      A+
         Company
         US: Texas

         United States Surety Company     12009   A u       A
         US: Maryland

International

         Mapfre Empresas Cia de Seg y     83013   A u       A
         Reas
         Spain

Rating Action: (+) or (-) Rating upgraded or downgraded;
(New) Assigned initial rating. (u) Rating under review

GUIDE TO BEST'S FINANCIAL STRENGTH RATINGS

A Best's Financial Strength Rating is an independent opinion
based on a comprehensive quantitative and qualitative evaluation
of a company's balance sheet strength, operating performance
and business profile. Best's Financial Strength Ratings are not a
warranty of a company's financial strength and ability to meet its
ongoing obligations to policyholders.

Financial Strength Ratings

A Best's Financial Strength Rating (FSR) is an opinion as to an
insurer's financial strength and ability to meet its ongoing
obligations to policyholders.

             Rating    Descriptor
Secure

             A++, A+   Superior
             A, A-     Excellent
             B++, B+   Good

Vulnerable

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

Rating Modifiers

"u"    Under Review
"pd"   Public Data
"s"    Syndicate

Affiliation Codes

"g"   Group
"p"   Pooled
"Y"   Reinsured

Not Rated Categories (NR)

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

Best's Financial Strength Ratings are distributed via press release
and/or the A.M. Best Web site at www.ambest.com, and are published in
the Rating Monitor section of BestWeek[R]. Best's Financial
Strength Ratings are proprietary and may not be reproduced without
permission.

Copyright [c] 2007 by A.M. Best Company, Inc. Version 010207

For more information about A.M. Best Ratings visit
www.ambest. com/ratings/about.asp
COPYRIGHT 2007 A.M. Best Company, Inc.
No portion of this article can be reproduced without the express written permission from the copyright holder.
Copyright 2007, Gale Group. All rights reserved. Gale Group is a Thomson Corporation Company.

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Title Annotation:Ratings
Publication:Best's Review
Date:Jan 1, 2007
Words:1382
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