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To check an insurer’s financial strength, find the legal underwriting company named in your quote or policy documents, then look it up in an official rating-agency tool. Confirm the result is for that same company and is an insurer financial strength or claims-paying rating. Read the agency’s definition, rating date, and any outlook or status shown. A rating is an opinion about financial capacity—not a guarantee of payment or a measure of service quality.
1. Find the legal company that will insure the policy
Start with the quote, policy illustration, or declarations page and identify the legal underwriting company—not just the consumer-facing brand. A brand can represent different operating insurers or affiliated companies, and the company responsible for the policy obligations is the one you need to check.
AM Best’s search help notes that a company search may return trade names and that some rating-unit results are based on legal-entity group members. Check the name on the agency record against the legal name in your documents; do not assume a parent or similarly named affiliate is the issuing insurer.
2. Look up the company in an official agency tool
Search the legal company name in an agency’s own lookup tool, such as AM Best’s company search. Its company review page describes access to rating history and financial data. Search results can include more than one entity, so verify the company identity before relying on a rating.
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#1 Best Overall
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3. Make sure you have the right kind of rating
Look specifically for an insurer financial strength rating (often abbreviated FSR or IFSR) or another rating explicitly intended to assess the insurer’s capacity to meet policy obligations. Do not assume a debt rating, issuer credit rating, or group-level rating answers the same question. AM Best distinguishes rating types and their definitions in its rating definitions.
S&P Global Ratings defines its Insurer Financial Strength Rating as “our forward-looking opinion about an insurance organization’s ability to pay its policies and contracts” in its official overview. The NAIC’s 2024 handbook likewise describes agency ratings as opinions about financial strength or the ability to meet policyholder obligations. These are assessments of financial capacity, not decisions about whether a specific claim is covered or valid.
Rank #2
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4. Read the rating in its own context
Record the symbol, the agency’s category definition, the rating date if displayed, and any outlook or status language. If the tool shows a rating unit rather than a single legal entity, note that distinction. Rating history can show whether an assessment has changed, but it does not predict what will happen next.
Ratings can change. The Insurance Information Institute (III) advises checking periodically, including annually for a company of interest. For an active purchase, check close to the time you buy rather than relying on an old screenshot or an undated statement from the insurer.
5. Compare insurers without equating letter grades
Can you compare an A+ from one agency with an A+ from another? Not by matching the symbols alone. Agencies use different methods and scales, so a letter grade has meaning only within the issuing agency’s definitions. The III recommends considering ratings from two or more agencies when available and consulting each agency’s own scale.
The III’s consumer guidance gives examples of how scales differ: it describes A.M. Best’s next-to-top category as one of 15 categories; an A+ from Fitch as fifth-highest among 24 categories; an A+ from KBRA as fifth-highest among 22; and an A+ from S&P as fifth-highest among 19. The source does not state its publication year, and these counts illustrate scale differences—not a current ranking of any insurer.
Rank #4
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When comparing companies, keep these items separate:
- The exact legal underwriting entity
- The rating agency and rating type
- The agency-defined category, outlook, and other status
- The rating date and any available history
- Licensing and regulatory or consumer complaint information
Premium, coverage, exclusions, and claims service are separate purchase considerations; a financial-strength rating does not resolve them.
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6. Check licensing and regulator information separately
For a U.S. insurer, consult the relevant state insurance department or NAIC consumer and regulatory resources to confirm licensing and review available regulatory information. The NAIC handbook describes state insurance agencies as sources of information and assistance. A regulator check provides context separate from an agency’s financial-strength opinion; neither replaces reading the policy terms.
Quick Recap
What a financial strength rating can—and cannot—tell you
- It can: provide an agency’s opinion about an insurer’s financial capacity to meet policy obligations.
- It cannot guarantee: future solvency or payment of every claim.
- It does not establish: how quickly or fairly claims are handled, customer-service quality, whether a policy suits your needs, or whether a particular claim is covered.
- It does not transfer automatically: a parent company’s or affiliate’s rating should not be attributed to the legal insurer issuing your policy unless the agency record supports that conclusion.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
