Insurance Rating Agencies & Personal Finance
Be sure you utilize highly rated insurance
companies when selecting any and all of your insurance products.
You want to be fairly certain that your
insurance provider will be there when you need them.
Therefore do your research
on the front end to ensure that you are selecting a strong company that will be
there when you need them.
For starters you can go to A.M. Best, Duff &
Phelps, Moody’s, Standard & Poor, Weiss and other rating and consumer sites—to learn
more about the insurer you are selecting.
A.M. Best Highest Three Ratings: A++ A+ A
Duff & Phelps Highest Three Ratings: AAA AA+
Moody’s Highest Three Ratings: Aaa Aa1 Aa2
S & P Highest Three Ratings: AAA AA+ AA
Weiss Highest Three Ratings: A+ A A-
The rating companies listed above also have the
“lowest three ratings” as well, however they are not included on this page.
If you are interested in the three lowest
rankings of the rating agencies listed above please visit their websites.
Use severe caution when considering any company
in the three lowest ratings as the potential for insufficient funds or future
solvency is a real concern.
Also realize that rating companies can and do
make errors in ratings—therefore, use your common sense and other rationale—in
conjunction with the rating data that you receive.
Other factors could include:
- How long has the company been in existence?
is the claim payment history?
- Are there a large
number of consumer complaints against the insurer?
- Are there lawsuits pending?
- Be sure to have all of your questions answered properly prior to purchasing "ANY" insurance product.
Also be sure to visit consumer and government
websites and watch groups as an additional check.
Remember it is your money that
you will be paying so you want to be sure the insurer will be around in the
time of need for you and your family.
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The above article was written by Thomas (TJ) Underwood. Thomas (TJ) Underwood is a former fee-only financial planner, a former top producing loan processor and is currently a licensed real estate broker in the state of Georgia.
He is the writer behind The Real Estate & Finance 360 Degrees Series of Books that include The Wealth
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He is the creator of TheWealthIncreaser.com where he regularly blogs about helping
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intelligent, consistent and proactive manner.
He’s always looking for
ways to make intelligent
finance improvement happen for those who “sincerely desire”
success in their future. He was the first financial planner to coin the phrase "financially alert mind"
and he consistently writes in a style that is designed to provide
consumers the ability to take control of their lives and achieve great
You can contact
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He is also an IRS registered tax planning professional with over 30 years of tax experience and can be reached at:
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