Understanding Best's Ratings

A Best's Credit Rating (BCR) is a forward-looking, independent, and objective opinion regarding an insurer's, issuer's, or financial obligation's relative creditworthiness. The opinion represents a comprehensive analysis consisting of a quantitative and qualitative evaluation of balance sheet strength, operating performance, and business profile or, where appropriate, the specific nature and details of a security.

For an in-depth explanation, please read AM Best's guide, Understanding Best's Credit Ratings. A BCR is developed considering relevant aspects of Best's Rating Methodologies (BRMs). AM Best assigns various Credit Rating opinions, which are collectively referred to as "Best's Credit Ratings" and include:

In addition, AM Best provides the following rating-related services and information:

For more information regarding what a BCR is, how a BCR is developed, or other information related to the production of opinions please reference AM Best's guide, Understanding Best's Credit Ratings or select a topic below.

Understanding Best's Credit Ratings (quick links)

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