|
A++/A+
|
Superior. Very strong ability to meet obligations. |
|
A/A-
|
Excellent. Strong ability to meet obligations. |
|
B++/B+
|
Very good. Strong ability to meet obligations |
|
B/B-
|
Good. Adequate ability to meet obligations. |
|
C++/C+
|
Fair. Reasonable ability to meet obligation. |
|
C/C-
|
Marginal. Currently has the ability to meet obligations. |
|
D
|
Below minimum standards |
|
E
|
Under state supervision. |
|
F
|
In liquidation. |
|
AAA
|
Superior financial security. Highest safety. |
|
AA+/AA/AA-
|
Excellent financial security. Highly safe |
|
A+/A/A-
|
Good financial security. More susceptible to economic
change than highly rated companies. |
|
BBB+/BBB/BBB-
|
Adequate financial security. More vulnerable to economic
changes than highly rated companies. |
|
BB+/BB/BB-
|
Adequate financial secuity. Ability to meet obligations
may not be adequate for long-term policies. |
|
B+/B/B-
|
Currently able to meet obligations. Highly vulnerable
to adverse economic conditions. |
|
CCC
|
Questionable ability to meet obligations due to high
vulnerability to adverse economic conditions. |
|
R
|
Regulatory action. Under supervision of insurance negotiators. |
|
Aaa
|
Exceptional security. Unlikely to be affected by change. |
|
Aa 1-3
|
Excellent security. Lower than Aaa because long-term
risks appear somewhat larger. |
|
A 1-3
|
Good security. Possibly susceptible to future impairment. |
|
Baa 1-3
|
Adequate security. Certain protective elements may be
lacking. |
|
Ba 1-3
|
Questionable security. Ability to meet obligations may
be moderate. |
|
B 1-3
|
Poor security. Assurance of punctual payment of obligations
is small over the long-run. |
|
Caa
|
Very poor security. There may be elements of danger regarding
the payment of obligations. |
|
Ca
|
Extremely poor security. Companies are often in default. |
|
C
|
Lowest security. Extremely poor prospects of offering
financial security. |
| AAA |
Highest claims paying ability. Negligible risk. |
| AA+/AA/AA- |
Very high claims paying ability. Modest risk. |
| A+/A/A- |
High claims paying ability. Variable risk over time. |
| BBB+/BBB/BBB- |
Below average claims paying ability. Considerable variability
in risk over time. |
| BB+/BB/BB- |
Uncertain claims paying ability. Protective factors are
subject to change with adverse economy. |
| B+/B/B- |
Possessing risk that policy holder obligations will not
be paid when due. |
| CCC+/CCC/CCC- |
Substantial risk regarding claims paying ability. Likely
to be placed under state insurance department supervision. |
| DD |
Under liquidation |
| A+/A/A- |
Excellent financial security. Strong ability to deal
with economic adversity. |
| B+/B/B- |
Good financial security. Severe economic conditions may
affect this company. |
| C+/C/C- |
Fair financial security. Susceptible to downturns in
the economy. |
| D+/D/D- |
Weak financial security. Could impact policy holders. |
| E+/E |
Very weak financial security. Significant risk even in
a stable economy. |
| F |
Failed. Under supervision of state insurance commissioners. |
| + |
Indication of a possible upgrade. |
| - |
Indication of a possible downgrade. |
Disclaimer:
Mystic Insurance Intermediaries does not endorse any of these insurance
rating agenciess, their products or services. We do not offer an
opinion as to their financial stability, strength, ratings, or soundness.
This list is intended to be merely used as a definition listing of these
agencies' ratings.
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