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Article 4 - LTC Insurance Company Ratings

How are Insurance Companies Rated?

Your long-term care insurance is only as good as the company that issues it. So when you buy long-term care insurance, it's wise to make certain that the issuing company is financially sound. The A.M. Best Company, Standard & Poor's, Moody's Investors Services and Weiss Research are well-regarded rating companies that provide objective measures of insurance companies' creditworthiness. Here is a sample of their ratings and what they mean:




1, 2, 3 Modifiers for each generic rating category from Aa to B. 1 indicates that the insurance company ranks in the higher end of its generic rating category. The modifier 2 indicates a mid-range ranking. The modifier 3 indicates that the company ranks in the lower end of its generic category.


Martin Weiss

is the nation's leading consumer advocate for financial safety. He is president of The Weiss Group, Inc., a leader in the fields of money markets, interest rates, economic safety, and forecasting. The Group has helped millions of Americans judge the financial stability of insurance companies, HMOs, banks, savings & loans, and securities brokers

His Weiss Ratings, based largely on the Weiss proprietary computer model, has won acclaim by the US General Accounting Office (GAO) for having beaten the competition by three to one in accuracy.

The A.M. Best Company

A.M. Best is perhaps the best known of all the insurance rating companies. It publishes over 50 different information products about insurance companies and the insurance industry. Here is an overview of what the A.M. Best rating system means. The following ratings are considered "secure" ratings by A.M. Best:




The following ratings indicate that a company is "vulnerable" to financial difficulties in the future by A. M. Best:






Standard & Poor's

Standard and Poor's rates the claims-paying ability of over 300 insurance organizations worldwide, and monitors public data on another 2,000 U.S. companies. The following ratings are considered "secure" ratings by Standard & Poor's:

The following ratings are considered "vulnerable" ratings by Standard & Poor's:



Moody's Ratings, founded in 1909, rates the financial strength of a variety of investment vehicles and institutions, including corporate bonds, preferred stock, short-term debt, mutual funds and insurance companies. The following ratings are considered "strong" by Moody's:



The following ratings are considered "weak" by Moody's:


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