Best's Insurance Reports
Life/Health - United States & Canada (Print & CD-ROM)

	To order by phone: (800) 424-2378 (Customer Service)   To order online:     Each purchase includes the books, CD-ROM and online reports.

A.M. Best's flagship product provides in-depth reports on thousands of insurers, reinsurers and groups, plus an online database of retired companies. Best's Insurance Reports is the centerpiece of a multi-component service that combines the time-tested value of the classic publication with 21st-century functionality.

Each report allows you to:

• Check a company's Best's Credit Rating, find out why a rating was assigned, and see a five-year rating history.
• Learn what makes one company secure and another more vulnerable with our in-depth commentary on operating methods and management philosophy.
• Find out who the principal officers are and get company name and address information.
• Identify companies that meet certain criteria, for competitive research and benchmarking analysis.
• Search and sort on numerical and text fields, create custom lists of companies, export data to other software, and link to current information on the A.M. Best Web site.

Your purchase includes:

• A CD-ROM containing complete, unabridged reports on thousands of L/H insurance companies operating in the U.S. and Canada
• Two completely updated CDs shipped as six- and nine-month quarterly financials become available
• A two-volume printed reference that contains slightly condensed versions of the reports
• Access to Best's Corporate Changes and Retirements, which lets users find changes impacting existing companies, locate surviving insurers for companies that have gone out of business and more
• Internet download service
• Access to 10 current online AMB Credit Reports on insurers listed in this edition (additional reports can be purchased at a 33% discount; LAN and Unlimited users have unlimited access to online reports)
• Access to archived Historical AMB Credit Reports, in print or online, at a 33% discount for any insurers in this edition of Best's Insurance Reports (Unlimited subscribers receive access to archived reports at no additional charge)
• BestAlert Service at all news service levels
• Best's Review at all news service levels
• Best's Insurance News & Analysis at the Full News Service levels
• Network and Unlimited subscribers only: An online search feature that lets you search across the P/C and L/H industries, including annual financial data; and unrestricted access to online AMB Credit Reports for insurers in this product.

Report features:

• Complete company name, address, and contact information
• Best's Credit Rating and Financial Size Category
• Rating Rationale, which explains the factors considered in assigning the rating
• Five-year rating history
• Key Financial Indicators, including statutory data and performance ratios
• Business review that can include when a company was incorporated, where it is licensed, its ownership characteristics, what lines of business it writes, etc.
• Financial Performance Review that analyzes profitability, underwriting experience and investments
• Capitalization analysis, including capital generation, quality of surplus, leverage analysis and loss reserve and reinsurance analysis
• Liquidity and cash flow analysis
• Management information and company history
• Financial statement information such as balance sheet, summary of operations and income statement

Important Links:

• Learn more about the new online edition of this product.
• Learn more about our data and request a video.
• View hardware & software requirements.
• Search for current and archived AMB Credit Reports.

Includes BestAlert Service, A.M. Best Company's notification and tracking service. Registered customers have the ability to track and receive notice of selected insurance company rating changes, related news and other company-specific information.

Need additional data? Contact A.M. Best's Custom Data Services team for your special needs. With access to decades of filings, historical rating information and the ability to aggregate financial information by a variety of criteria, a solution is only a phone call away. (908) 439-2200 ext. 5383.

A.M. Best Data: Clean. Complete. Accurate.

1. No data provider can equal the accuracy, scope or value of information from A.M. Best. We collect quarterly and annual statement data from more than 6,000 companies -- Property/Casualty and Life/Health companies, HMOs, alternative market entities and others -- and perform exhaustive tests and cross-checks for accuracy.
2. Historical information is presented in 'as is' format, meaning it reflects today's ownership structures. Each company is identified in a way that allows us to track its development through changes in ownership or structure.
3. Financial information for groups and major industry segments are presented in consolidated format, information that is not available elsewhere.
4. Many of our publications include qualitative analysis of insurance company and industry performance, as well as unique, value-added indicators such as Best's Credit Ratings and Profitability, Leverage and Liquidity ratios.

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