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Don’t Make Me Say I Told You So                                       194




               ►    How long has the company been in business?

               ►    Is  it  strong and  stable  according to independent  rating
                   agencies?





            Independent Rating Agencies



            To judge the financial strength of a company, look at its assessments

            by independent rating  agencies.  Financial-strength ratings are
            evaluations of a company’s ability to fulfill customer claims and
            obligations. Some agencies that provide this information are:


                               Insurance Company Ratings




                                    Moody’s      Standard & Poor’s





                                     Fitch         A.M. Best


























                                        Chapter 4: Annuities




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