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A. M. Best Term Life Insurance Company Ratings

A. M. Best assigns values A++ through S to term life insurance companies. A. M. 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.

Select any of the following ratings for a detailed explanation:

A. M. Best's Secure Ratings A. M. Best's Vulnerable Ratings
A++, A+ Superior B, B- Fair
A, A- Excellent C++, C+ Marginal
B++, B+ Very Good C, C- Weak
  D Poor
  E Under Regulatory
Supervision
  F In Liquidation
  S Rating Suspended

Rating Modifiers and Affiliation Codes

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 based on quantitative analysis. Affiliation Codes are based on a Group (g), Pooling (p) or Reinsurance (r) affiliation with other insurers.

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Rating Modifiers Affiliation Codes
u - Under Review g - Group
q - Qualified p - Pooled
  r - Reinsured

Definitions of Best Ratings

A++ and A+ (Superior)

Assigned to companies which have, on balance, superior financial strength, operating performance and market profile when compared to the standards established by the A. M. Best Company. These companies have a very strong ability to meet their ongoing obligations to policyholders.

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A and A- (Excellent)

Assigned to companies which have, on balance, excellent financial strength, operating performance and market profile when compared to the standards established by the A. M. Best Company. These companies have a strong ability to meet their ongoing obligations to policyholders.

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B++ and B+ (Very Good)

Assigned to companies which have, on balance, very good financial strength, operating performance and market profile when compared to the standards established by the A. M. Best Company. These companies have a good ability to meet their ongoing obligations to policyholders.

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B and B- (Fair)

Assigned to companies which have, on balance, fair financial strength, operating performance and market profile when compared to the standards established by the A. M. Best Company. These companies have an ability to meet their current obligations to policyholders, but their financial strength is vulnerable to adverse changes in underwriting and economic conditions.

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C++ and C+ (Marginal)

Assigned to companies which have, on balance, marginal financial strength, operating performance and market profile when compared to the standards established by the A. M. Best Company. These companies have an ability to meet their current obligations to policyholders, but their financial strength is vulnerable to adverse changes in underwriting and economic conditions.

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C and C- (Weak)

Assigned to companies which have, on balance, weak financial strength, operating performance and market profile when compared to the standards established by the A. M. Best Company. These companies have an ability to meet their current obligations to policyholders, but their financial strength is very vulnerable to adverse changes in underwriting and economic conditions.

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D (Poor)

Assigned to companies which have, on balance, poor financial strength, operating performance and market profile when compared to the standards established by the A. M. Best Company. These companies may not have an ability to meet their current obligations to policyholders and their financial strength is extremely vulnerable to adverse changes in underwriting and economic conditions.

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E (Under Regulatory Supervision)

Assigned to companies which have been placed by an insurance regulatory authority under a significant form of supervision, control or restraint, such as conservatorship or rehabilitation, but does not include liquidation.

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F (In Liquidation)

Assigned to companies which have been placed under an order of liquidation by a court of law or whose owners have voluntarily agreed to liquidate the company.

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S (Rating Suspended)

Assigned to rated companies that have experienced sudden and significant events affecting their financial position or operating performance those rating implications cannot be evaluated due to a lack of timely or adequate information.

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