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| Insurance
Companies Financial Strength and Claims Paying Ability Ratings |
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A.M. Best:
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B ++ (Very Good) |
Ratings
Independent agencies such as A.M. Best issue ratings on insurance
companies for the benefit of consumers, investors, and the insurance
industry itself.
Agencies assess the insurance company's ability to
pay claims through close scrutiny of the insurance company's
operations and plans as well as using publicly available
information. Agencies use a number of assessment criteria including
financial strength, capital resources, stability of cash flow, and
demonstrated management performance. Other important factors include
quality of administration, marketing, and investment operations.
High ratings denote strong financial stability, and
a greater ability to meet financial obligations. Ratings can change
over time as agencies frequently re-evaluate insurance companies and
revise their ratings based on significant industry and company
events.
Click here
to see the A.M. Best ratings defined.
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The Instant Term and
Select Term life insurance
policies are issued by The American Life Insurance Company of New York, a fully
licensed, 50-state insurer, with its home office in New York, NY. American Life
has a rating of Very Good (B++) from A.M. Best (on a scale of A++ to F) for
financial strength and operating stability. The products are obligations of
American Life, are not insured by the FDIC and are not guaranteed deposits. Life
insurance policies contain exclusions and limitations; benefits may vary due to
misstatement of age or sex. The products may not be available in all states. The
policies are issued as ALNY-SEL-03 and ALNY-INST-03, respectively, or a
variation of such. Shannon F. Kennedy, Licensed Agent. CA License # 0D43589
The Simple Term life
insurance is issued by Jefferson National Life Insurance Company, home office in
Dallas, TX. The product is an obligation of Jefferson National Life and is not
insured by the FDIC and is not a guaranteed deposit. Life insurance policies
contain exclusions and limitations; benefits may vary due to misstatement of age
or sex. Policy may not be available in all states. Policy is issued as policy
number JNL-SIMP-03 or a variation of such. Shannon Kennedy, Licensed
Agent. CA License # 0D43589
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