What are AMB Credit Reports - Consumer?

What information do AMB Credit Reports - Consumer contain?

How often are these reports published?

Are AMB Credit Reports - Consumer included in the purchase of any other A.M. Best product? How should I access them if I am a current purchaser?

How can I purchase AMB Credit Reports - Consumer

How much do these reports cost?

What if I need more in-depth analysis on a particular insurer? Is there a more detailed report available to me?

How do AMB Credit Reports - Consumer differ from AMB Credit Reports - Business Professional and AMB Credit Reports - Insurance Professional (Unabridged)?

What are AMB Credit Reports - Consumer?

AMB Credit Reports - Consumer are individual reports featuring the absolute latest Best's Ratings and analysis as they pertain to consumers. These real-time reports are available for thousands of A.M. Best-rated insurance companies domiciled in the United States.

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What information do AMB Credit Reports - Consumer contain?

Each report presents an insurer's current Best's Financial Strength Rating, rating outlook and a summary of their rating history, plus essential financial data, including:

- Market share for the line and state selected, along with the top coverages provided by the insurer in the specific state

- A concise review of an insurer's financial performance

- An insurer's licensing information

- A.M. Best's Rating Rationale, explaining the importance of a Best's Financial Strength Rating

- Access to the most recent news articles on the insurer

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How often are these reports published?

AMB Credit Reports - Consumer are published in real time, so the latest Best's Ratings and financial analysis on the insurer of your choice are always available.

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Are AMB Credit Reports - Consumer included with the purchase of any other A.M. Best product? How can I access them if I am a current purchaser of one of those products?

Yes. AMB Credit Reports - Consumer are available at no extra cost to purchasers of the AMB Credit Report - Insurance Professional (Unabridged) or the AMB Credit Report - Business Professional for the same company. Those who purchase an AMB Credit Report - Insurance Professional (Unabridged) or an AMB Credit Report - Business Professional will get access to both the original report purchased and the AMB Credit Report - Consumer for the same company.

Subscribers to Best's Insurance Reports and Best's Statement File - Global also have access to AMB Credit Reports - Consumer for companies that are contained within their respective products. Subscribers to Best's Insurance Reports or Best's Statement File - Global may access AMB Credit Reports - Consumer through A.M. Best's Consumer Insurance Center by following these instructions:

1. On the home page of A.M. Best's Consumer Insurance Center, click on the "Search" link where it says "AMB Credit Reports."

2. Follow the steps on the search page by typing in all or part of the name of the desired insurer, selecting the type(s) of coverage and the desired state. Hit "Search now."

3. You'll see a list of company names relating to the criteria you selected. Click on the company name whose report you want to view.

4. You will be taken to the company's rating page. Under "AMB Credit Reports," click "Purchase." At the bottom of the purchase page, click the link that says, "Please click here if you are entitled to this report as a result of another subscription." You must then select the state and line of business (auto, earthquake, etc.) in which you are interested, and click "Continue."

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How can I purchase AMB Credit Reports - Consumer

To easily purchase AMB Credit Reports - Consumer:

1. Go to A.M. Best's Consumer Insurance Center, and click on the "Search" link where it says "AMB Credit Reports."

2. Follow the steps on the search page by typing in all or part of the name of the desired insurer and selecting the type(s) of coverage and the desired state. Hit "Search now."

3. You'll see a list of company names relating to the criteria you selected. Click on the company name whose report you want to purchase.

4. You will be taken to the company's rating page. Under "AMB Credit Reports," click "Purchase." You must then select the state and line of business (auto, earthquake, etc.) in which you are interested. Then click "Continue." Follow the online instructions to purchase the report. Once you've completed your payment, a document in HTML format (printable through your Web browser) will be e-mailed to you. You can also view the report online for 14 days from the date of purchase.

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How much do these reports cost?

A single AMB Credit Report - Consumer costs $9.95. However, purchasers of AMB Credit Reports - Business Professional and - Insurance Professional (Unabridged) have complimentary access to the AMB Credit Report - Consumer on the same insurance company. Subscribers to Best's Insurance Reports receive ten complimentary reports a year, while subscribers to Best's Statement File - Global have unlimited access to AMB Credit Reports - Consumer.

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What if I need more in-depth analysis on a particular insurer? Is there a more detailed report available to me?

Yes. AMB Credit Reports - Business Professional are individual reports featuring the absolute latest Best's Ratings and analysis available on the thousands of insurers rated by A.M. Best. These real-time reports are geared toward non-insurance professionals and are available for property/casualty, life/health and health insurance companies domiciled in the United States.

Each report presents an insurer's most recent Best's Financial Strength Rating event, plus three years of essential financial data, including:

- Long-Term Issuer Credit Rating and Rating Rationale, explaining the reasoning behind the rating

- Financial Size Category

- Concise review of an insurer's financial performance

- Key Financial Indicators, such as Direct Premiums Written, Net Income and Total Admitted Assets

- Full-color charts and tables that display Capital Generation, Investment Portfolio, Investment Income analyses and more

- Liquidity and cash flow analysis

- Balance sheet excerpts

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How do AMB Credit Reports - Consumer differ from AMB Credit Reports - Business Professional and AMB Credit Reports - Insurance Professional (Unabridged)?

AMB Credit Reports -- Insurance Professional (Unabridged), formerly known as Best's Company Reports, priced at $75, offer the most comprehensive qualitative and quantitative insurer analysis available, tracking an insurer's performance over a five-year period. These in-depth reports are ideal for insurance professionals.

AMB Credit Reports -- Business Professional are available for $35 and are geared to non-insurance professionals who want a sophisticated yet concise profile of an insurer's background. These reports track an insurer's performance over a three-year period.

AMB Credit Reports - Consumer are available for $9.95 and are geared to consumers who want to gain a better understanding of why financial strength is important when choosing an insurance provider. Market share information is available.

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