Financial strength and being able to meet financial obligations to policyholders is very important. Independent rating organizations publish financial ratings of insurance companies. These rating organizations do not rate the quality of the company's policies, practices, agents, or service.

A.M. Best Company 908-439-2200
Rates insurance companies in terms of their financial stability. Their site describes their rating system and provides ratings online.

Fitch Ratings 1-800-89Fitch (1-800-893-4824)
Rates the claims paying ability of insurance companies. Their site includes an online ratings guide.

Moody's Investors Service 212-553-1653
Rates the financial strength or security of insurance companies. Their site describes their rating approach and includes insurance financial strength ratings.

Standard & Poor's 212-438-2400
Rates insurance companies. Their site includes online ratings and ratings definitions.

Weiss Ratings, LLC 1-877-934-7778
Provides independent ratings of financial safety designed for consumers.