A.M. Best Financial
Strength Rating - A ("Excellent")
A.M. Best Long-Term Debt Rating - bbb ("Adequate")
A.M. Best Financial Strength
Ratings provide an opinion of an insurer's financial strength
and ability to meet ongoing obligations to policyholders. A.M. Best
Long-Term Debt Ratings provide an opinion as to the issurer's ability
to meet its financial obligations to security holders when due.
Standard and
Poor's Financial Strength Rating - A ("Strong")
Standard and Poor's Long-Term Issue Credit Rating - BBB ("Adequate")
A Standard &
Poor's Insurer Financial Strength Rating is a current opinion
of the financial security characteristics of an insurance organization
with respect to its ability to pay under its insurance policies
and contracts in accordance with their terms. A Standard & Poor's issue
credit rating is a current opinion of the creditworthiness with respect
to a specific financial obligation.
Moody's Insurance
Financial Strength Ratings are opinions of the ability of insurance
companies to repay punctually senior policyholder claims and obligations.
Moody's Long-Term Obligation Ratings are opinions of the relative credit
risk of fixed-income obligations.
Fitch Insurer Financial Strength Rating - A ("Strong")
Fitch Long Term Issuer Rating - BBB ("Good Credit Quality")
The Insurer Financial Strength ratings
provide an overall assessment of the financial strength and security of insurance
companies. The long term issuer rating provides an assessment of overall credit quality
at the unsecured senior level.