S&P's life/health insurer solvency

April 28, 1991

This table reflects the financial strength of life/health insurance companies writing policies in Maryland, as assessed by Standard & Poor's.

The table contains two types of analysis. The broadest category is for companies receiving "qualified" ratings, derived from a newly developed, broad computer analysis using 1989 data filed publicly with regulators. Standard & Poor's analysts explain the rating system using a stoplight analogy. BBBq, the highest rating, is similar to a green light, BBq a yellow light, and Bq a red light. Because the analysis is broad, however, they caution individuals to use it only as a "first cut" in assessing a company and not as a definitive analysis.

Some of the larger companies are rated using Standard and Poor's more traditional methodology, which draws on public and private data and interviews with company executives. Under this system, companies are ranked from AAA to D, with AAA through BBB considered "secure" and BB through D "vulnerable." A ** symbol means that company was not ranked.

Name... ... ... ... ... ... ... ... ... ... ... rating

Acacia National Life ..............................BBq

Adjustable Life ....................................**

Admiral Life of America ..........................BBBq

Aetna Life Insurance & Annuity Co. ................AAA

Aetna Life ........................................AA+

Aetna Life of America ..............................Bq

Aetna Life of Illinois ...........................BBBq

Agc Life .........................................BBBq

AIG Life ..........................................BBq

Alexander Hamilton Life ............................AA

All American ASR Co. .............................BBBq

All American Life ................................BBBq

Allstate Life .....................................AAA

American Agency Life ...............................**

American Bankers Life of Fla. .....................BBq

American Centurion Life & Accident ...............BBBq

American Chambers Life .............................Bq

American Combined Life ...........................BBBq

American Continental Life .........................BBq

American Defender Life .............................Bq

American Enterprise Life ...........................Bq

American Family of Columbus, Ga. .................BBBq

American Fidelity Assurance Co. ...................BBq

American Fidelity Life ............................BBq

American Financial Security Life ...................**

American Founders Life ............................BBq

American Franklin Life ...........................BBBq

American General Life & ACC ......................BBBq

American General Life of Del. .....................BBq

American General Life of N.Y. .....................BBq

American Health & Life ...........................BBBq

American Heritage Life ............................BBq

American Income Life ..............................BBq

American Independent Life ..........................**

American Investors Life ............................**

American Life & ACC Co. of Ky. ...................BBBq

American Life of N.Y. .............................BBq

American Merchants Life ............................Bq

American National ................................BBBq

American National Life of Texas ..................BBBq

American Pioneer Life ..............................Bq

American Progressive Life & Health .................Bq

American Republic .................................BBq

American Security Life ASR Co. of N.C. .............Bq

American Service Life .............................BBq

American Skandia Life Assurance Corp. ..............**

American States Life .............................BBBq

American Transcontinental Life .....................**

American Travellers Life ...........................Bq

American United Life ..............................BBq

American-Amicable Life of Texas ....................Bq

Amerisure Life ....................................BBq

Ameritas Life Insurance Corp. .....................BBq

Ameritas Variable Life .............................Bq

Amex Life Assurance Co. ..........................BBBq

Amica Life ........................................BBq

Amoco Life .........................................Bq

Anchor National Life ..............................BBq

Annapolis Life .....................................Bq

Anthem Life .......................................BBq

Appalachian National Life ..........................Bq

Arcadia National Life .............................BBq

Associates Financial Life ..........................**

Association Life Inc. .............................BBq

Assured Security Life ..............................Bq

Atlantic American Life .............................Bq

Atlantic Phoenix (based, not lic. Md.) ...........BBBq

Auto Club Life .....................................Bq

Balboa Life ......................................BBBq

Baltimore Life (based, lic. in Md.) ................Bq

Bankers Life & Casualty Co. ......................BBBq

Bankers National Life ............................BBBq

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