A. M. BEST
A.M. Best's rating represents an overall opinion of an insurance company's ability to meet its obligations to policyholders and is derived by evaluating the financial strength, operating performance and market profile of an insurance company in comparison with quantitative and qualitative standards of a peer life/health industry composite. A.M. Best ratings range from A++ (superior) to S (rating suspended).
S & P
S&P Financial Strength Ratings are a current opinion of the financial strength of an insurance organization, and its capacity to meet senior obligations to policyholders and contractholders on a timely basis. The ratings are assigned to the insurance organization itself and do not address the suitability of a particular policy or contract for a specific purpose or purchaser. S&P ratings range from AAA (extremely strong) to R (under regulatory supervision) and short-term ratings range from A-1 (strong) to R (under regulatory supervision).