The Centers
Structured Settlements

“Life companies make on average $16 billion of benefit payments every day to beneficiaries and policyholders, and not one was missed through the crisis [financial crisis of 2008]. And even at the heart of the crisis while value was lost, it was temporary lost as the quick recovery shows. And this is where the benefit of having long-term liabilities really benefits our industry. Because short-term fluctuations that everybody experienced…rebounded quite well and short-term blips did not create major impacts with long-term promises.”

James Morris, CEO
Pacific Life
Structured Settlements: Such a Benefit

 

 

 

 

 

Rating Agencies & Information

A.M. Best provides a financial and operating performance rating on virtually all life and health insurance companies.

Standard & Poor's provides financial strength ratings for those insurers who request a rating. S&P also provides financial strength ratings from public information for other insurers.

Moody's and Fitch provide ratings for those insurers who request a rating. Therefore, ratings from these two services are not available for all insurance companies.

Weiss Ratings provides safety ratings on more than 1,700 insurance companies.

The Comdex is a composite index based on the ratings received by a company from the ratings services.

Watch List identifiers follow the ratings if the company is on the rating service's watch list. The identifier indicates a possible upgrade (w+), downgrade (w‐), or unknown change (w).

The Numerical Equivalence is the number which is shown in parentheses next to each rating indicating where that particular rating falls in the rating scale. For example, an S&P rating of "AA‐" has a numerical equivalence of "(4)", meaning "AA‐" is S&P's fourth highest rating.


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