Insurance Company Rating Services & Their Rating Scales
Rank
A.M. Best
Standard & Poor's
Moody's
Fitch
1
A++ = Superior
AAA = Extremely Strong
Aaa = Exceptional
AAA = Exceptionally Strong
2
A+ = Superior
AA+ = Very Strong
Aa1 = Excellent
AA+ = Very Strong
3
A = Excellent
AA = Very Strong
Aa2 = Excellent
AA = Very Strong
4
A- = Excellent
AA- = Very Strong
Aa3 = Excellent
AA- = Very Strong
5
B++ = Very Good
A+ = Strong
A1 = Good
A+ = Strong
6
B+ = Very Good
A = Good
A2 = Good
A = Strong
7
B = Fair
A- = Good
A3 = Good
A- = Strong
8
B- = Fair
BBB+ = Good
Baa1 = Adequate
BBB+ = Good
9
C++ = Marginal
BBB = Adequate
Baa2 = Adequate
BBB = Good
10
C+ = Marginal
BBB- = Adequate
Baa3 = Adequate
BBB- = Good
11
C = Weak
BB+ = Marginal
Ba1 = Questionable
BB+ = Moderately Weak
12
C- = Weak
BB = Marginal
Ba2 = Questionable
BB = Moderately Weak
13
D = Poor
BB- = Marginal
Ba3 = Questionable
BB- = Moderately Weak
14
E = State Supervision
B+ = Weak
B1 = Poor
B+ = Weak
15
F = In Liquidation
B = Weak
B2 = Poor
B = Weak
16
S = Rating Suspended
B- = Weak
B3 = Poor
B- = Weak
17
CCC+ = Very Weak
Caa1 = Very Poor
CCC = Very Weak
18
CCC = Very Weak
Caa2 = Very Poor
CC = Very Weak
19
CCC- = Very Weak
Caa3 = Very Poor
C = Very Weak
20
CC = Extremely Weak
Ca = Extremely Poor
DDD = Distressed
21
R = State Supervision
C = Lowest
DD = Distressed
22
D = Distressed

Links to the Rating Services:

Insurance Agent Licenses are held by Irving O. Benson CLU, LIC, Brian J. Benson, Irving O. Benson & Associates, Inc., a Michigan Corporation.

Products are not available in all 50 states. Call (888) 455-1403 for details on availability.
All products and rates require underwriting qualification and approval by respective insurance companies.