{"id":921,"date":"2025-04-17T17:05:15","date_gmt":"2025-04-17T17:05:15","guid":{"rendered":"https:\/\/staging8.dynaserverx.com\/newenglandtrust.com\/?post_type=articles&p=921"},"modified":"2025-04-17T17:05:52","modified_gmt":"2025-04-17T17:05:52","slug":"how-can-i-determine-the-financial-strength-of-my-insurance-company","status":"publish","type":"articles","link":"https:\/\/staging8.dynaserverx.com\/newenglandtrust.com\/articles\/how-can-i-determine-the-financial-strength-of-my-insurance-company\/","title":{"rendered":"How Can I Determine the Financial Strength of My Insurance Company?"},"content":{"rendered":"

How do you compare life insurance companies? What features do you examine? What criteria do you use? How do you know what to look for? Making sure that your insurance company is financially sound is an important part of helping to ensure family security.<\/p>\n

Fortunately, there are a number of independent companies that make these evaluations. These rating companies carefully examine each insurance company in the areas of profitability, debt, liquidity, and other factors. From the results of these examinations, they then issue overall ratings.<\/p>\n

Looking up a company\u2019s rating will provide you with a snapshot of that company\u2019s financial health. Tracking the company\u2019s rating on a regular basis may give you some advance warning of trouble.<\/p>\n

The four most prominent rating companies are A.M. Best, Standard & Poor\u2019s, Moody\u2019s Investors Service, and Fitch Ratings. Each of these services uses slightly different criteria when rating companies. As a result, each may have a slightly different view of a given company. A.M. Best ratings are based on financial conditions and performance; Moody\u2019s, Fitch Ratings, and Standard & Poor\u2019s ratings are based on claims-paying ability.<\/p>\n

You should be able to find copies of at least one of these ratings in the reference section of your local library. If you are unable to find them, or if the ratings in your library are outdated, you can contact the services directly. All four services will provide ratings over the phone.<\/p>\n

A.M. Best Company: 908-439-2200, www.ambest.com<\/a><\/p>\n

Standard & Poor\u2019s: 877-772-5436, www.standardandpoors.com<\/a><\/p>\n

Moody\u2019s Investors Service: 212-553-1653, www.moodys.com<\/a><\/p>\n

Fitch Ratings: 800-953-4824, www.fitchratings.com<\/a><\/p>\n

The information in this newsletter is not intended as tax, legal, investment, or retirement advice or recommendations, and it may not be relied on for the \u00adpurpose of \u00adavoiding any \u00adfederal tax penalties. You are encouraged to seek guidance from an independent tax or legal professional. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the \u00adpurchase or sale of any security. This material was written and prepared by Broadridge Advisor Solutions. \u00a9 2025 Broadridge Financial Solutions, Inc.<\/p>\n","protected":false},"featured_media":922,"template":"","meta":{"_acf_changed":false},"article-category":[20],"class_list":["post-921","articles","type-articles","status-publish","has-post-thumbnail","hentry","article-category-risk-management"],"acf":[],"yoast_head":"\nHow Can I Determine the Financial Strength of My Insurance Company? - New England Trust<\/title>\n<meta name=\"description\" content=\"In Evanston, IL, Robard Flaremoor offers Financial Planning Services & Financial Advice. \u2018Financial Services\u2019 from College Funding to Wealth Protection. \u2018Tax Services\u2019 include Tax Preparation, Tax Reduction, and Tax Management\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/staging8.dynaserverx.com\/newenglandtrust.com\/articles\/how-can-i-determine-the-financial-strength-of-my-insurance-company\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Can I Determine the Financial Strength of My Insurance Company? 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