Insurance Company Rating Categories:  Scope and Extent
Rating Agency Ranges
  SECURE VULNERABLE POOR
A.M. Best * A++ to B+ B to C- D to F
Fitch Ratings AAA to BBB- BB+ to C DDD to D
Moody's Investors Services Aaa to Baa3 Ba1 to B3 Caa1 to C
Standard & Poor's AAA to BBB- BB+ to CCC- CC to R

*For a Guide to Best's Credit Ratings please visit www.ambest.com/ratings and to view their Important Notice: Best's Credit Ratings, please visit www.ambest.com/ratings/notice for complete details.

Best's Credit Ratings are under continuous review and subject to change and/or affirmation. For the latest Best's Credit Ratings and Best's Credit Reports (which include Best's Credit Ratings), visit the A.M. Best website at www.ambest.com.  See Guide to Best's Credit Ratings for explanation of use and charges.

Best's Credit Ratings reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of Life Quotes, Inc. or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best's Credit RatingsTM.

Best's Credit Ratings are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.

For Financial Strength Ratings: A Best's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View the Important Notice: Best's Credit Ratings for a disclaimer notice and complete details at www.ambest.com/ratings/notice.
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