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Best's Rating Changes.

This summary of Best's Rating Changes lists life/health, property/casualty and international insurers, as well as health maintenance organizations, that had ratings assigned, changed or placed under review since this section last appeared in the June 2000 edition of Best's Review.

Best's Rating Changes is an abbreviated version of Best's Rating Monitor. Previously a stand-alone publication, Best's Rating Monitor is now a featured section in Best's Viewpoint, a publication available as a supplement to BestWeek, A.M. Best Co.'s weekly news report.

Best's Rating Monitor contains a compilation of all recent rating releases plus supporting rationales for the industry's largest insurance groups and for insurers whose ratings were changed or placed under review.

For comprehensive ratings and company information, free of charge, visit For more information on how to obtain A.M. Best Co. products and publications, including Best's Ratings and Best's Company Reports for individual companies, see page 143. See page 24 for the Current Guide to Best's Ratings and the August 1999 edition of Best's Review for the Detailed Rating Definitions page.



A.M. Best assigns to insurance companies one of three types of rating opinions, a Best's Rating (A++ to F), a Financial Performance Rating (9 to 1), or a Qualified Rating (A++ to F denoted with a "q" subscript). The Best's Rating represents an opinion based on a comprehensive quantitative and qualitative evaluation of a company's financial strength, operating performance and market profile. The FPR represents an opinion based primarily on a quantitative evaluation of a company's financial strength and operating performance for companies that do not meet A.M. Best's minimum requirements in size and/or operating experience. Qualified Ratings assigned to Health Maintenance Organizations (HMOs), Canadian insurers and U.K. insurers that meet our minimum size and rating experience requirements but do not subscribe to our interactive rating process. The Qualified Rating is therefore based he quantitative analysis of a company's financial strength, operating performance and market profile.


Rating Modifiers are assigned to Best's Ratings and Financial Performance Ratings to identify companies whose rating opinions are Under Review (u) and may be subject to near-term change; or Qualified (q) which may be assigned to HMOs, Canadian insurers and U.K. insurers whose ratings are based solely on quantitative analysis. Affiliation Codes are based on a Group (g), Pooling (p) or Reinsurance (r) affiliation with other insurers.

Rating Modifiers

u - Under Review

q - Qualified

Affiliation Codes

g - Group

p - Pooled

r - Reinsured
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No portion of this article can be reproduced without the express written permission from the copyright holder.
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Publication:Best's Review
Article Type:Brief Article
Geographic Code:1USA
Date:Jul 1, 2000
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