A.M. Best Company (“Best”) insurer financial strength ratings range from “A++ (superior)” to “F (in liquidation).” Ratings of “A+” and “A” are in the “superior” and “excellent” categories, respectively.

Best’s long-term credit ratings range from “aaa (exceptional)” to “d (in default).” A “+” or “—” may be appended to ratings from “aa” to “ccc” to indicate relative position within a category. Ratings of “a” and “bbb” are in the “strong” and “adequate” categories. Best’s short-term credit ratings range from “AMB-1+ (strongest)” to “d (in default).”