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195 Don’t Make Me Say I Told You So

Here is an example of insurance company ratings:

Credit Ratings*

Moody’s Standard & Poor’s Fitch A.M. Best

STRONGEST Aaa AAA AAA A++
Investment Grade Baa BBB BBB A+
Aa
AA
AA
A
A
A
A
A-
Ba BB BB B++
Non-Investment Grade Caa CCC CCC B-
B
B
B
B+
B
CC
CC
Ca
C
D
D
D
WEAKEST C C C C++, C+
* These credit ratings are re ective of obligations with long-term maturities.
Ratings from "aa" to "ccc" may be enhanced with a "+" (plus) or "-" (minus) to indicate
whether credit quality is near the top or bottom of a category.
Each of these services provides ratings for insurance companies,
and they are a good source of information about the companies’

financial strength. Use these sources to help you decide if

you’re comfortable investing with the specific company you are
considering.

Chapter 4: Annuities

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