| Rating | A.M. Best | Standard & Poor's | Moody's | Duff & Phelps |
| SUPERIOR | A++, A+ | AAA | Aa | Aaa |
| EXCELLENT | A, A- | AA | A | Aa |
| GOOD | B++, B+ | A | Bb | A |
| ADEQUATE | B, B- | Bbb B |
B | Bbb |
| BELOW AVG | C++, C+ | Bb, | Caa | Bb |
| WEAK | C,C- | B,Ccc | Ca | B,Ccc |
| NON-VIABLE | D,E,Fs | CC, D | C | Dd,Dp |
SUPERIOR = Very little risk
EXCELLENT = Slightly higher risk
GOOD = High claims-paying ability
ADEQUATE = Less safety against risk
BELOW AVERAGE = Relatively high risk factor
WEAK = Very high risk factor
NON VIABLE = Defunct
These ratings do not reflect actual policy features and benefits. Buy your insurance from a highly rated company with the features you want.
is the oldest independent rating agency. Order a report directly over the Internet. is a rating agency that’s been around since 1909. They look at risk and credit worthiness. Phone: 212-553-0377 is another well-known independent rating agency that evaluates claims paying ability. Phone: 312-629-3833 rates the financial stability of insurance companies in a number of categories. Phone: 212-208-1527