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1Scan for outdated or missing drivers - takes under a minute2Repair Windows errors before they cause bigger problems3Fix the driver behind crashes, sound loss and screen glitchesTo check an insurer’s financial strength rating, first identify the legal underwriting company named in your quote or policy documents. Then find that exact entity in an official rating-agency tool, confirm you are viewing an insurer financial strength or claims-paying rating, and read its current status on that agency’s own scale. A rating is an opinion about financial capacity—not a guarantee of payment or a measure of claims service.
Find the company that will issue your policy
Start with the quote, policy illustration, or declarations page and note the full legal name of the underwriting company. The brand shown in an advertisement or on a website may not be the legal insurer responsible for the policy obligations. AM Best notes that company searches can return trade names, and that some rating-unit results draw on legal-entity group members. Check the agency record against the exact company name in your documents rather than relying on a brand-only match. AM Best’s rating search help explains company-name searches and rating-unit results.
Look up the right rating
- Search an official agency tool. AM Best’s basic search allows company identification and rating filters; its company review page provides rating history and financial data. Start at AM Best’s ratings search.
- Confirm the rating type. Look for an insurer financial strength rating (often shortened to FSR or IFSR), or the relevant claims-paying assessment. Do not assume that an issuer credit rating, debt rating, or group-level rating answers the same question. AM Best distinguishes among rating types and provides their definitions at its ratings definitions page.
- Record the status and date. Note the symbol, the rating date if displayed, any outlook or other status language, and whether the result applies to the individual insurer or a rating unit. Use the history view to see prior changes, not to predict what will happen next.
- Check another agency if useful. When other ratings are available, read each agency’s definition and scale. Their methods and symbols differ, so compare the meaning and context rather than matching letters.
- For a U.S. insurer, check regulatory context separately. Use the relevant state insurance department or NAIC consumer and regulatory resources to confirm licensing and find regulatory information. The NAIC insurance department consumer handbook describes state agencies as sources of information and assistance.
What the rating tells you
S&P Global Ratings describes an Insurer Financial Strength Rating as “our forward-looking opinion about an insurance organization’s ability to pay its policies and contracts.” Read the S&P Global Ratings overview for its explanation. The NAIC handbook similarly describes agency ratings as opinions about an insurer’s relative financial strength and ability to meet policyholder obligations.
That makes the rating one input about the insurer’s financial capacity. It is not a promise that the company will remain solvent or pay every claim, and it does not decide whether a particular claim is covered or valid.
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Can you compare an A+ from one agency with an A+ from another?
No—not by matching the letter alone. Agencies use different methodologies, populations of rated firms, scale structures, and category distributions. The Insurance Information Institute advises consumers to consider more than one agency where possible and consult each agency’s own scale. See its guide to insurance-company financial ratings.
The III article illustrates the differences with scale counts: it places AM Best’s next-to-top category among 15 categories, while an A+ from Fitch, KBRA, and S&P is each described as fifth-highest on scales of 24, 22, and 19 categories, respectively. The article’s publication year is not stated. These counts illustrate why identical symbols do not mean identical positions; they are not a current ranking of any insurer.
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Check how current the result is—and what it leaves out
Ratings can change on any day, according to the III. For an active purchase decision, look up the result close to the time you buy rather than relying on an old screenshot or an undated insurer marketing statement. The III suggests checking annually for a company of interest; the purchase-time check is the more relevant one when you are choosing a policy now.
A financial-strength rating does not establish how quickly or fairly claims are handled, the quality of customer service, whether the policy suits your needs, or whether a specific loss is covered. Assess those questions separately. When comparing insurers, keep the evidence distinct: the legal underwriting entity; agency and rating type; agency-defined category and outlook; rating date and history; and state license or consumer complaint information. Premium, coverage, and exclusions are separate purchase criteria.
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