A.M. Best rates the financial strength of insurance companies and the security of holding companies' debt and preferred stock. More than merely passing judgment on past performance, an A.M. Best's rating gives an indication of how that company may be expected to perform in the future.
Standard & Poor’s Insurer Financial Strength is a current opinion of the financial security characteristics of an insurance organization with respect to its ability to pay under its insurance policies and contracts in accordance with their terms. Standard & Poor's also rates insurance holding companies' debt and preferred stock.
Moody's insurance ratings and research provide global coverage of life, property and casualty, mortgage, and title insurers and reinsurers as well as financial guarantors. Moody's also rates insurance holding companies' debt and preferred stock.