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Insurance Company Financial Rating Services

To help determine an insurer's financial stability, you can check the ratings established by one of the many rating companies available.

Examples of rating companies are noted below. 

For more infomation, please see https://www.sec.gov/ocr/reportspubs/special-studies/nrsro-summary-report...

  • A.M. BEST - Assigns 15 different rating categories from A++ to F measuring a carrier's ability to meet their respective policyholder and other contractual obligations, and size categories ranging from I to IV.
  • DEMOTECH'S Financial Stability Ratings® (FSRs) are a leading indicator of the financial stability of a property and casualty insurer.  Demotech's rating process provides an objective baseline for assessing solvency which in turn provides insight into changes in financial stability.
  • FITCH RATINGS - Rates from an investors and policyholder standpoint addressing concerns such as claims-paying abilities, financial fundamentals, details regarding capitalization, debt ratings, leverage, and asset quality.
  • KROLL BOND RATING AGENCY, INC. - Offers credit ratings to insurance companies with a focus on reinsurers.  KBRA is registered with the SEC as a Nationally Recognized Statistical Rating Organization (NRSRO) and is a National Association of Insurance Commissioners (NAIC) recognized Credit Rating Provider (CRP).
  • MOODY'S - Examines an insurance company's financial ability to meet its obligations to its policyholders. Among the issues on which Moody's focuses is the management philosophy, the quality of its investment portfolio and its asset/liability structure. It features ratings from Aaa to C.
  • NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS - The NAIC’s Consumer Information Source (CIS) provides information about insurance companies you can use BEFORE purchasing insurance. You can access key information about insurance companies, including closed insurance complaints, licensing information and key financial data.
  • STANDARD & POORS - Provides a review of an insurance company's claims-paying ability.
  • WEISS RATINGS, LLC - Rates insurers according to General Accounting Principles. Unlike other major rating agencies, Weiss does not accept compensation from the companies it rates. The scale used is from A to F.