Financial Size Category (FSC)

AM Best assigns each rated (A++ through D) insurance company a Financial Size Category (FSC). The FSC is based on adjusted policyholders' surplus (PHS) in U.S. dollars and may be impacted by foreign currency fluctuations. The FSC is designed to provide a convenient indicator of the size of a company in terms of its statutory surplus and related accounts.


Class Adj. PHS ($ Millions)
I Less than 1
II 1 to 2
III 2 to 5
IV 5 to 10
V 10 to 25
VI 25 to 50
VII 50 to 100
VIII 100 to 250
Class Adj. PHS ($ Millions)
IX 250 to 500
X 500 to 750
XI 750 to 1,000
XII 1,000 to 1,250
XIII 1,250 to 1,500
XIV 1,500 to 2,000
XV 2,000 or greater
Find a Best's Credit Rating

Get Rated by A.M. Best