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Overall Profitability & Dedication to Continued Growth
Profit is not only a measure of how well companies serve our customers, but the result of their commitment to quality, serving people, and growth. Our uncompromising goal is to select companies that tend to remain an industry leader in terms of long range earnings growth and return on equity. In other words, they will be here when our customers need them.

Prudent Investing & Judicious Management
Over the years, insurance companies selected need to have deliberately avoided wide and frequent fluctuations in credited interest rates on its policies through the use of a portfolio rate crediting strategy and exceptional investment management. This has resulted in a more stable value for policyholders.

Companies need to have a history of maintaining initially projected cost of insurance rates on existing policies. Although not a guarantee of future performance, companies can attribute this accomplishment to uncompromising underwriting standards. Policyholders need to know that insurance companies will do everything they can to preserve the integrity of their business.

Some Third Party Links

A.M. Best Company rates the overall financial condition of a company using a scale of A++ (Superior) to F
(In Liquidation).

A Standard & Poor's Insurer Financial Strength Rating 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.  A scale of AAA (Extremely Strong Financial Security) to CC (Extremely Weak Financial Security) is used.

Fitch rates the insurer's financial strengths using a scale of AAA (Exceptionally strong) to D(Insolvent).

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