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Best's rating changes. (Ratings).

This summary of Best's Rating Changes includes U.S.-domiciled life, health-care and property/casualty insurers as well as international insurers that had ratings assigned, changed or placed under review since this section last appeared in the June 2002 edition of Best's Review.

Best's Rating Changes is an abbreviated version of Best's Rating Monitor, which is published in Best Week, our weekly insurance industry newsletter. See page 23 for the Current Guide to Best's Ratings or visit the A.M. Best Co. Web site at www.ambest.com/ratings/access.html for detailed rating definitions.

The A.M. Best rating of any company and basic company information are also available free of charge at the Web site.
Ratings Changed

Rating Current
Action Company Name & Domicile AMB# Rating

Life

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

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

- Catholic Family Life Insurance 06189 B+
 US: Wisconsin

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

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

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

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

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

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

+ EquiTrust Life Insurance Company 60315 A
 US: Iowa

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

 Leaders Life Insurance Company 68017 NR-2
 US: Oklahoma

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

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

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

 Old Reliance Insurance Company 06861 NR-5
 US: Arizona

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

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

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

 Reliable Life Insurance Company 09049 B+ pd
 Canada: Ontario

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

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

 Unity Life of Canada 66847 B+ pd
 Canada: Ontario

 Wilbert Life Insurance Company 08117 NR-5
 US: Louisina

Rating Previous
Action Company Name & Domicile Rating

Life

 American Life and Accident Insurance Co B+
 US: Texas

 Arkansas National Life Insurance Company FPR5
 US: Arkansas

- Catholic Family Life Insurance B++
 US: Wisconsin

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

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

+ Clarica Life Insurance Company A+ u
 Canada: Ontario

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

 Colonial Life Insurance Company of Texas FPR5
 US: Texas

 CUMIS Life Insurance Company B++ q
 Canada: Ontario

+ EquiTrust Life Insurance Company A-
 US: Iowa

+ Guaranty Income Life Insurance Company B+
 US: Louisiana

 Leaders Life Insurance Company FPR4
 US: Oklahoma

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

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

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

 Old Reliance Insurance Company C++
 US: Arizona

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

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

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

 Reliable Life Insurance Company B+ q
 Canada: Ontario

 Scotia Life Insurance Company B++ q
 Canada: Ontario

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

 Unity Life of Canada B+ q
 Canada: Ontario

 Wilbert Life Insurance Company FPR3
 US: Louisina

Health Care

Rating Current
Action Company Name & Domicile AMB# Rating

 AmCare Health Plans of Texas Inc 68561 E
 US: Texas

 American Healthcare Trust 64094 NR-5
 US: Tennessee

+ Anthem Health Plans Inc 68044 A
 US: Connecticut

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

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

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

+ Anthem Insurance Companies Inc 00607 A
 US: Indiana

+ Anthem Life Insurance Company 06126 A
 US: Indiana

+ Blue Care Health Plan 64073 A
 US: Connecticut

+ Community Insurance Company 11803 A
 US: Ohio

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

+ HMO Colorado Inc 68927 A
 US: Colorado

+ HMO Maine 64175 A
 US: Malne

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

+ Maine Partners Health Plan Inc 64394 A
 US: Maine

+ Matthew Thomton Health Plan 68999 A
 US: New Hampshire

 Maxicare 68677 NR-5
 US: California

 Maxicare Indiana Inc 68614 NR-5
 US: Indiana

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

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

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

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

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

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

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

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

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

Rating Previous
Action Company Name & Domicile Rating

 AmCare Health Plans of Texas Inc C q
 US: Texas

 American Healthcare Trust E
 US: Tennessee

+ Anthem Health Plans Inc A-
 US: Connecticut

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

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

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

+ Anthem Insurance Companies Inc A-
 US: Indiana

+ Anthem Life Insurance Company A-
 US: Indiana

+ Blue Care Health Plan A-
 US: Connecticut

+ Community Insurance Company A-
 US: Ohio

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

+ HMO Colorado Inc B++
 US: Colorado

+ HMO Maine A-
 US: Malne

 HRM Health Plans (PA) Inc E
 US: Pennsylvania

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

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

 Maxicare F
 US: California

 Maxicare Indiana Inc F
 US: Indiana

- Maxicare Life and Health Insurance Co E
 US: Missouri

New MedSpan Health Options Inc B- q
 US: Connecticut

 Montana Medical Benefit Plan Inc E
 US: Montana

- National Health Insurance Company A-
 US: Texas

 New Mexico Dental Insurance Company Inc F
 US: New Mexico

 North Central Health Protection Plan B- q
 US: Wisconsin

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

 Total Health Care Plan Inc E
 US: Ohio

 United HealthCare of Virginia Inc A-
 US: Virginia

Property/Casualty

Rating Current
Action Company Name & Domicile AMB# Rating

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

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

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

 AEGIS Insurance Corporation 87008 NR-3
 Canada: Saskatchewan

- Alamance Insurance Company 12241 A-
 US: Illinois

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

 Algoma Mutual Insurance Company 87771 B+ pd
 Canada: Ontario

 Alistar Insurance Company 11785 E
 US: California

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

 Alpha Assurance Company 84241 B++ pd
 Canada: Quebec

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

- American Indemnity Company 02037 B+
 US: Texas

New American Indemnity Financial Group 18583 B+
 US: Texas

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

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

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

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

+ American Underwriters Insurance Company 00163 B-
 US: Arkansas

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

- Aries Insurance Company Inc 12181 E
 US: Florida

 Arkwright Insurance Company 03589 NR-3
 US: Massachusetts

 BCAA Insurance Corporation 87017 B+ pd
 Canada: British Columbia

- Berkshire Mutual Insurance Company 00212 B-
 US: Massachusetts

 Blue Ridge Group 18337 NR-5
 US: Connecticut

+ Blue Ridge Idemnity Company 02839 A
 US: Connecticut

+ Blue Ridge Insurance Company 02420 A
 US: Connecticut

- Burlington Insurance Company 00709 A-
 US: North Carolina

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

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

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

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

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

+ Coachman Insurance Company 86547 B+
 Canada: Ontario

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

 CUMIS General Insurance Company 85737 B- qd
 Canada: Ontario

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

 Eagel Insurance Company 02144 E
 US: New Jersey

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

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

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

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

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

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

- First financial Insurance Company 04345 A-
 US: Illinois

 First Nevada Insurance Company 11816 NR-5
 US: Nevada

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

- General Casualty Companies 04927 A
 US: Wisconsin

- General Casualty Company of Illinois 04242 A
 US: Illinois

- General Casualty Company of Wisconsin 02416 A
 US: Wisconsin

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

+ Global Surety & Insurance Co 04156 A
 US: Nebraska

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

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

- GreatLand Insurance Company 12330 A- u
 US: Ohio

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

 GSA Insurance Company 10023 E
 US: New Jersey

- Guilford Insurance Company 12242 A-
 US: Illinois

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

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

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

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

- Hochheim Prairie Group 03862 C+
 US: Texas

- Hochheim Prairie Insurance Company 02781 C+
 US: Texas

- Hoosier Insurance Company 00543 A
 US: Indiana

- Horace Mann Insurance Company 03359 A
 US: Illinois

- Horace Mann Insurance Group 04934 A
 US: Illinois

- Horace Mann Lloyds 12314 A
 US: Texas

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

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

 Howick Mutual Insurance Company 87052 B+ pd
 Canada: Ontario

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

- IFG Companies 00897 A-
 US: North Carolina

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

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

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

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

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

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

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

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

- Kemper Insurance Companies 04427 A- u
 US: Illinois

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

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

- Keystone Insurance Company 00546 B++
 US: Pennsylvania

+ Lafayette Insurance Company 00552 A
 US: Louisiana

 Langdon Insurance Company 85765 B++ pd
 Canada: Ontario

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

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

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

+ Louisiana Workers' Compensation Corp 11339 A
 US: Louisiana

 Loyalist Insurance Company 87061 B pd
 Canada: Ontario

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

 Markham General Insurance Company 87772 E
 Canada: Ontario

+ MassWest Insurance Company, Inc 10755 A
 US: Massachusetts

 Mennonite Mutual Insurance Company 87094 NR-2
 Canada: Alberta

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

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

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

 MIIX Group 18349 NR-4
 US: New Jersey

 MIIX Insurance Company 03737 NR-4
 US: New Jersey

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

 Millers Casualty Insurance Company 02324 NR-5
 US: Texas

- Millers Insurance Company 00635 D
 US: Texas

 Millers Insurance Group 00633 NR-5
 US: Texas

 Missisquoi Insurance Company 85769 B++ pd
 Canada: Quebec

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

 Newark Insurance Company 02436 E
 US: New Jersey

New Noetic Specialty Insurance Company 12468 A
 US: Illinois

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

 Northern Indemnity Inc 87087 A- pd
 Canada: Ontario

 Orleans General Ins Co 87773 B+ pd
 Canada: Quebec

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

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

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

New Palmetto Casualty Insurance Company 11240 A
 US: South Carolina

- PAULA Insurance Company 03658 E
 US: California

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

 Pembridge Insurance Company 85774 B- pd
 Canada: Ontario

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

- Permanent General Assurance Corporation 01894 B+
 US: Tennessee

- Permanent General Pool 18329 B+
 US: Tennessee

 Perth Insurance Company 85777 B++ pd
 Canada: Ontario

- Phoenix Indemnity Insurance Company 10612 D
 US: Arizona

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

 Pool Insurance Company 85780 B+ pd
 Canada: Manitoba

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

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

 Promutuel Reassurance 85986 B+ pd
 Canada: Quebec

 Queensway International Indemnity Co 02657 NR-3
 US: Florida

+ Rainier Insurance Company 11107 A
 US: Arizona

New Real State Insurance Corporation 73878 A-
 US: Hawaii

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

- Regent Insurance Company 02418 A
 US: Wisconsin

- Ridgeland Insurance Company 12331 A- u
 US: Ohio

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

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

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

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

New SGI CANADA 85786 A-
 Canada: Saskatchewan

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

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

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

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

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

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

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

- Teachers Insurance Company 00884 A
 US: Illinois

- Tennessee Insurance Company 03179 B-
 US: Tennessee

- Texas General Indemnity Company 02038 B+
 US: Colorado

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

 Underwriters Insurance Company 11671 NR-5
 US: Nebraska

 Waterloo Insurance Company 85801 B+ pd
 Canada: Ontario

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

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

- Western Specialty Insurance Company 10630 F
 US: Illinois

 Western Surety Company 85805 B++ pd
 Canada: Saskatchewan

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

Rating Previous
Action Company Name & Domicile Rating

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

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

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

 AEGIS Insurance Corporation B q
 Canada: Saskatchewan

- Alamance Insurance Company A+
 US: Illinois

 Alberta Motor Association Insurance B++ q
 Canada: Alberta

 Algoma Mutual Insurance Company B q
 Canada: Ontario

 Alistar Insurance Company NR-2
 US: California

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

 Alpha Assurance Company B++ p
 Canada: Quebec

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

- American Indemnity Company A
 US: Texas

New American Indemnity Financial Group
 US: Texas

- American Manufacturers Mutual Ins Co A u
 US: Illionis

- American Motorists Insurance Company A u
 US: Illinois

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

- American Protection Insurance Company Au
 US: Illionis

+ American Underwriters Insurance Company C++
 US: Arkansas

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

- Aries Insurance Company Inc B
 US: Florida

 Arkwright Insurance Company A+
 US: Massachusetts

 BCAA Insurance Corporation B+ q
 Canada: British Columbia

- Berkshire Mutual Insurance Company B+ u
 US: Massachusetts

 Blue Ridge Group A-
 US: Connecticut

+ Blue Ridge Idemnity Company A-
 US: Connecticut

+ Blue Ridge Insurance Company A-
 US: Connecticut

- Burlington Insurance Company A+
 US: North Carolina

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

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

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

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

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

+ Coachman Insurance Company B
 Canada: Ontario

 Constitution Insurance Company of Canada B q
 Canada: Ontario

 CUMIS General Insurance Company B+ q
 Canada: Ontario

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

 Eagel Insurance Company NR-4
 US: New Jersey

- Eagle Pacific Insurance Company A u
 US: Washington

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

 Economical Mutual Insurance Company B++ q
 Canada: Ontario

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

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

 Federation Insurance Company of Canada B+ q
 Canada: Quebec

- First financial Insurance Company A+
 US: Illinois

 First Nevada Insurance Company F
 US: Nevada

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

- General Casualty Companies A++
 US: Wisconsin

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

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

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

+ Global Surety & Insurance Co A-
 US: Nebraska

 Grain Insurance and Guarantee Company B+ q
 Canada: Manitoba

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

- GreatLand Insurance Company A u
 US: Ohio

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

 GSA Insurance Company NR-4
 US: New Jersey

- Guilford Insurance Company A+
 US: Illinois

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

 Heritage General Insurance Company B+ q
 Canada: Ontario

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

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

- Hochheim Prairie Group B++
 US: Texas

- Hochheim Prairie Insurance Company B-
 US: Texas

- Hoosier Insurance Company A++
 US: Indiana

- Horace Mann Insurance Company A+
 US: Illinois

- Horace Mann Insurance Group A+
 US: Illinois

- Horace Mann Lloyds A+
 US: Texas

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

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

 Howick Mutual Insurance Company B+ q
 Canada: Ontario

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

- IFG Companies A+
 US: North Carolina

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

 Industrial Alliance General B q
 Insurance Co
 Canada: Quebec

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

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

- Kemper Casualty Insurance Company A u
 US: Illinois

- Kemper Employers Insurance Company A u
 US: Illinois

- Kemper Indemnity Insurance Company A u
 US: Illinois

- Kemper Independence Insurance Company A u
 US: Illinois

- Kemper Insurance Companies A u
 US: Illinois

- Kemper Lloyds Insurance Company A u
 US: Texas

- Kemper Surplus Lines Insurance Company A u
 US: Illinois

- Keystone Insurance Company A-
 US: Pennsylvania

+ Lafayette Insurance Company A-
 US: Louisiana

 Langdon Insurance Company B++ q
 Canada: Ontario

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

 Legacy General Insurance Company B++ q
 Canada: Ontario

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

+ Louisiana Workers' Compensation Corp A-
 US: Louisiana

 Loyalist Insurance Company B+ q
 Canada: Ontario

- Lumbermens Mutual Casualty Company A u
 US: Illinois

 Markham General Insurance Company NR-2
 Canada: Ontario

+ MassWest Insurance Company, Inc A-
 US: Massachusetts

 Mennonite Mutual Insurance Company B+ q
 Canada: Alberta

New Mercury Indemnity Co of Florida
 US: Florida

New Mercury Insurance Company of FL
 US: Florida

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

 MIIX Group C+
 US: New Jersey

 MIIX Insurance Company C+
 US: New Jersey

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

 Millers Casualty Insurance Company C++
 US: Texas

- Millers Insurance Company C++
 US: Texas

 Millers Insurance Group C++
 US: Texas

 Missisquoi Insurance Company B++ q
 Canada: Quebec

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

 Newark Insurance Company NR-4
 US: New Jersey

New Noetic Specialty Insurance Company
 US: Illinois

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

 Northern Indemnity Inc A- q
 Canada: Ontario

 Orleans General Ins Co NR-2
 Canada: Quebec

- Overseas Partners US Reins Co A u
 US: Delaware

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

- Pacific Eagle Insurance Company A u
 US: California

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

- PAULA Insurance Company D
 US: California

 Peace Hills General Insurance Company B q
 Canada: Alberta

 Pembridge Insurance Company B+ q
 Canada: Ontario

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

- Permanent General Assurance Corporation A-
 US: Tennessee

- Permanent General Pool A-
 US: Tennessee

 Perth Insurance Company B++ q
 Canada: Ontario

- Phoenix Indemnity Insurance Company C++
 US: Arizona

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

 Pool Insurance Company B+ q
 Canada: Manitoba

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

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

 Promutuel Reassurance B- q
 Canada: Quebec

 Queensway International Indemnity Co D
 US: Florida

+ Rainier Insurance Company A-
 US: Arizona

New Real State Insurance Corporation
 US: Hawaii

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

- Regent Insurance Company A ++
 US: Wisconsin

- Ridgeland Insurance Company A u
 US: Ohio

+ San Antonio Reinsurance Company B+
 US: Texas

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

 Saskatchewan Mutual Insurance Company B++ q
 Canada: Saskatchewan

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

New SGI CANADA B+ q
 Canada: Saskatchewan

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

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

- Specialty National Insurance Company A u
 US: Illinois

- Specialty Surplus Insurance Company A u
 US: New Jersey

 SSQ Societe Assurances Generales B++ q
 Canada: Quebec

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

 State Compensation Insurance Fund of CA B-
 US: California

- Teachers Insurance Company A+
 US: Illinois

- Tennessee Insurance Company B+
 US: Tennessee

- Texas General Indemnity Company A
 US: Colorado

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

 Underwriters Insurance Company A++ u
 US: Nebraska

 Waterloo Insurance Company B+ q
 Canada: Ontario

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

 West Wawanosh Mutual Insurance Company B+ q
 Canada: Ontario

- Western Specialty Insurance Company B
 US: Illinois

 Western Surety Company B++ q
 Canada: Saskatchewan

 White Hall Mutual Insurance Company C++
 US: Pennsylvania

International

Rating Current
Action Company Name & Domicile AMB# Rating

New Korean Reinsurance Company 85225 A-
 South Korea

 LaSalle Re Limited 86314 B++ u
 Bermuda

- Overseas Partners Ltd 86669 B++
 Bermuda

- Overseas Partners Assurance Ltd 55024 B++
 Bermuda

 Overseas Partners Re Ltd 86934 B++
 Bermuda

New XL Winterthur International Insurance Co 87674 A+
 United Kingdom

Rating Previous
Action Company Name & Domicile Rating

New Korean Reinsurance Company NR-5
 South Korea

 LaSalle Re Limited A-
 Bermuda

- Overseas Partners Ltd A u
 Bermuda

- Overseas Partners Assurance Ltd A u
 Bermuda

 Overseas Partners Re Ltd A u
 Bermuda

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

Health Care

Rating Current
Action Company Name & Domicile AMB# Rating

U Lifeguard Inc 68738 B+ u
 US: California

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

Rating Previous
Action Company Name & Domicile Rating

U Lifeguard Inc B+
 US: California

U Lifeguard Life Insurance Company B+
 US: California

Property/Casualty

Rating Current
Action Company Name & Domicile AMB# Rating

U Altantic Insurance Company 02220 A+ u
 US: Texas

U Caliber One Indemnity Company 03194 A u
 US: Delaware

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

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

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

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

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

U MutualAid eXchange 03165 A- u
 US: kansas

U Select Insurance Company 02222 A++ u

Rating Previous
Action Company Name & Domicile Rating

U Altantic Insurance Company A++
 US: Texas

U Caliber One Indemnity Company A
 US: Delaware

U Gulf Group Lloyds A++
 US: Texas

U Gulf Insurance Company A++
 US: Connecticut

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

U Gulf Underwriters Insurance Company A++
 US: Connecticut

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

U MutualAid eXchange A-
 US: Kansas

U Select Insurance Company A++

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


CURRENT GUIDE TO BEST'S RATINGS

For a complete explanation of Best's Ratings, please refer to the Preface of Best's insurance Report? or Best's Key Rating Guide[R]. Best's Ratings reflect our independent opinion, but are not 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 your request, please provide the company's identification number (AMB #).

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

BEST'S RATINGS AND FINANCIAL PERFORMANCE RATINGS (FPR)

A.M. Best assigns 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 and qualitative 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 operating experience requirements for a Best's Rating.
Secure Best's Ratings
A++ and A+ Superior
A and A- Excellent
B++ and B+ Very Good

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

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

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


RATING MODIFIERS

Under Review (u) Rating Modifiers are assigned to Best's Ratings and Financial Performance Ratings to identify companies whose rating opinions are Under Review and may be subject to near-term change. Qualified (q) Rating Modifiers may be assigned to Health Maintenance Organizations (HMOs) that do not subscribe to our interactive rating process. Best's Qualified Ratings are therefore based primarily on a quantitative analysis of a company's balance sheet strength and operating performance. Best's Public Data (pd) Rating Modifiers may be assigned to 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. Syndicate ($) Rating Modifiers are assigned to syndicates operating at Lloyd's.
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)

Assigned to all 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.

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COPYRIGHT 2002 A.M. Best Company, Inc.
No portion of this article can be reproduced without the express written permission from the copyright holder.
Copyright 2002, Gale Group. All rights reserved. Gale Group is a Thomson Corporation Company.

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