Insurance Industry standard rating service (most notable and most widely used), where ratings are given to carriers, indicating Insurer’s creditworthiness, financial strength and abilities to meet their obligations to Insureds. Established in 1899, one of the oldest and most established rating companies. Ratings are constantly under review and can change, where ratings of A++ to B+ are considered “secure”, and B to F ratings are considered “vulnerable” for specific carriers. Most carriers are rated with A.M. Best, but many “opt out” of this rating service, as there is a charge to be rated with them. Other reasons might include: Insured is covered through Captive programs, assigned risk pools, state funds, and State Departments of Labor & Industries for the 5 Monopolistic states in the U.S., to name a few.