Six major credit agencies determine insurers' financial strength and viability to meet claims obligations. They are A.M. Best Co.; Duff & Phelps Inc.; Fitch, Inc.; Moody's Investors Services; Standard & Poor's Corp.; and Weiss Ratings, Inc. Factors considered include company earnings, capital adequacy, operating leverage, liquidity, investment performance, reinsurance programs, and management ability, integrity and experience. A high financial rating is not the same as a high consumer satisfaction rating. |
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Rate Regulation
Rated Policy Rate Rating Agencies Rating Bureau Real Estate Investments Receivables Reciprocal Exchange Redlining Reduced Paid-up Insurance Option Registered Principal Registered Representative Reinstatement Reinsurance Relation Of Earnings To Insurance Clause Renewable Term Insurance Policy Renters Insurance Replacement Cost Repurchase Agreement (REPO) Reserves Residual Disability Insurance Residual Disability Residual Market Retention Retrocession Retrospective Rating Return On Equity Rider Risk Management Risk Retention Groups Risk-based Capital Risk Rollover.
