Our Coronavirus Readiness and Response: Learn More

Carrier Information

Chubb

ACE American Insurance Company

436 Walnut Street
Philadelphia, PA 19106
(215) 640-1000
NAIC #22667
State of domicile:Pennsylvania
Licensed in: all 50 states, DC, PR, and USVI

A.M. Best rating: A++
Standards & Poor's rating: AA
Moody's Investor Service rating: Aa3

CNA Insurance

Western Surety Company

P.O. Box 5077
Sioux Falls, SD 57117-5077
(800) 331-6053
NAIC #13188
State of domicile:South Dakota
Licensed in: all 50 states, DC, and PR

A.M. Best rating: A
Standards & Poor's rating: A-

Delta Dental of Missouri

12399 Gravois Rd
St. Louis, MO 63127
(800) 335-8266
NAIC# 55697
State of domicile: Missouri
Licensed in: Missouri

Fidelity Security Life Insurance Company

3130 Broadway
Kansas City, MO 64111
(800) 648-8624
NAIC# 71870
State of domicile: Missouri
Licensed in: All states and the District of Columbia.

Fidelity Security Life Insurance Company underwrites specialized life and health insurance programs for associations, affinity groups and corporations. It is an affiliate of Forrest T. Jones & Company.

A.M. Best rating: A- (Excellent)

www.fslins.com

GEICO

5260 Western Avenue
Chevy Chase, MD 20815
(800) 861-8380
State of domicile: Maryland
Licensed in: all states and the District of Columbia

GEICO is the trade name for a group of insurance companies that include: Government Employees Insurance Company (NAIC #22063); GEICO General Insurance Company (NAIC #35882); GEICO Indemnity Company (NAIC #22055) and GEICO Casualty Company (NAIC #41491).

A.M. Best rating: A++ (Superior)
Standards & Poor's rating: AA+
Moody's Investor Service rating: Aa1

GEICO is the second-largest private passenger auto insurer in the United States (A.M. Best ranking direct premiums written) with more than 16 million auto policyholders and more than 27 million vehicles insured. In 1996, GEICO became a wholly owned subsidiary of Berkshire Hathaway, headed by Warren Buffett, one of the country's most successful investors. For the past several years, Fortune magazine has named Berkshire's property-casualty insurance operation the most admired in the country.

www.geico.com

Great American Insurance Company

580 Walnut Street
Cincinnati, OH 45202
(513) 369-5000
NAIC #16691
State of domicile: Ohio
Licensed in: all states and the District of Columbia

A.M. Best rating: A (Excellent)
Standard & Poor's rating: A (Strong)
Moody's Investor Service rating: A3 (Good)
Fitch rating: A+ (Strong)

Great American Insurance Company underwrites insurance for many specialized markets, such as agricultural crops and agribusiness, inland and ocean marine, trucking, financial institutions, and many type of professional and executive liability. The company was founded in 1872 in New York City and operated there for more than a century before relocating to Cincinnati in 1987.

www.greatamericaninsurance.com

International Medical Group

2960 North Meridian Street
Indianapolis, IN 46208-4715
(800) 628-4664

http://www.imglobal.com/

International Medical Group administers international medical insurance products that are underwritten by Sirius International Insurance Corporation.

Sirius International Insurance Corporation
SE – 113 96 Stockholm, Sweden
Visiting address: Birger Jarlsgatan 57B
+46 8 458 5500

A.M. Best rating: A (Excellent)
Standard & Poor’s rating: A- (Strong)
Moody’s Investor Services rating: A3 (Good)
Fitch rating: A- (Strong)

Sirius International Insurance Corporation is a wholly owned subsidiary of White Mountains Insurance Group, Ltd., of Hamilton, Bermuda, with principal executive offices in Hanover, N.H.. Sirius International, based in Stockholm, writes most classes of non-life insurance, including property, accident & health, credit & bonds, aerospace and marine.

www.siriusgroup.com/

John Hancock Life Insurance Company

P.O. Box 111
Boston, MA 02117-0111
(617) 572-6000
NAIC #: 65099
State of domicile: Massachusetts
Licensed in: all states and the District of Columbia

A.M. Best rating: A++
Standard & Poor’s rating: AAA
Moody’s Investor Service rating: Aa1
Fitch rating: AA+

John Hancock, the U.S. division of ManuLife Financial Corporation, is based in Ontario, Canada, and is the fourth largest life insurer in North America based on 2007 assets. John Hancock is a market leader in Group Long-Term Care Insurance sales in the United States and provides a full range of insurance products through affiliated companies, including John Hancock Life Insurance Company; John Hancock Life Insurance Company (U.S.A.), formerly Manufacturers Life Insurance Company; John Hancock Life Insurance Company of New York; and John Hancock Variable Life Insurance Company.

www.johnhancock.com/

Kemper Corporation

200 E Randolph St, Suite 3300
Chicago, IL 60601-6436
(866) 860-9348
NAIC #10881
State of domicile: New York
Licensed in: all 50 states, and DC

A.M. Best rating: A-
Standards & Poor's rating: A-
Moody's Investor Service rating: Baa3

Liberty Mutual Insurance Company

175 Berkeley Street
Boston, MA 02116
(617) 357-9500
NAIC #23043
State of domicile: Massachusetts

A.M. Best rating: A (Excellent)
Standard & Poor’s rating: A2 (Good)
Moody’s Investor Service rating: A (Strong)

Liberty Mutual Insurance Company is part of the Liberty Mutual Group, a diversified global insurer and the sixth largest property and casualty insurer in the U.S., based on 2006 direct premium written. Other major holdings include Liberty Mutual Fire Insurance Company and Employers Insurance Company of Wausau.

www.libertymutual.com/

Metropolitan Life Insurance Company

200 Park Avenue
New York, NY 10166
(800) 638-5433
NAIC #65978
State of domicile: New York

A.M. Best rating: A+ (Superior)
Standard & Poor’s rating: AA (Very Strong)
Moody’s Investors Service rating: Aa2 (Excellent)
Fitch rating: AA (Very Strong)

Metropolitan Life Insurance Company (MetLife) is the largest individual life insurer in North America based on sales and the second largest provider of retail annuities. The company’s affiliates include New England Financial; General American Life Insurance Company; Texas Life Insurance Company; MetLife of Connecticut (formerly The Travelers Life Insurance Company); and MetLife Bank.

www.metlife.com/

New York Life Insurance Company

51 Madison Avenue
New York, NY 10010
(212) 576-7000
NAIC #66915
State of domicile: New York
Licensed in: all states, the District of Columbia, Canada, and Puerto Rico

A.M. Best rating: A++
Standard & Poor’s rating: AAA
Moody’s Investor Service rating: Aaa
Fitch rating: AAA

New York Life Insurance Company is a mutual insurance company owned by it's policyholders. It was founded in 1845. In 2020, New York Life was ranked the 73rd largest company in American by Fortune magazine, with more than $227 billion in assets under management.

*Third Party Ratings as of 10/15/2020.

www.newyorklife.com 

Trisura Specialty Insurance Company

210 Park Ave, Suite 1400
Oklahoma City, OK 73102-5636
(800) 606-6657
NAIC #16188
State of domicile: Oklahoma
Licensed in: all 50 states, and DC

A.M. Best rating: A-

Travelers

One Tower Square
Hartford, CT 06183
(800) 842-5075
NAIC #19038
State of domicile: Connecticut
Licensed in: all 50 states, DC, PR, and USVI

A.M. Best rating: AA+
Standards & Poor's rating: AA
Moody's Investor Service rating: Aa2

United States Fire Insurance Company

305 Madison Avenue
Morristown, New Jersey 07960
(973) 490-6600
NAIC #21113
State of domicile: Delaware
Licensed in: all 50 states, DC, PR, and USVI

A.M. Best rating: A
Standards & Poor's rating: A-
Moody's Investor Service rating: Baa1

Financial Strength

Understanding Ratings

Forrest T. Jones & Company (FTJ) represents some of the largest and highest rated life and health insurance companies in the nation, as well as many smaller, well-regarded insurers with expertise in specialty coverages.

These companies — also referred to as "insurance carriers" or "underwriters" — design the insurance plans FTJ sells, and they guarantee the benefit contained in those plans.

In assessing the strength and viability of an insurance company — that is, its ability to pay policy benefits when a claim is filed — its financial ratings are valuable indicators. These ratings assess the risks that could affect the long-term survival of the company.

There are several companies that provide ratings for insurers: A.M. Best & Company, Standard & Poor's, Moody's Investor Service, Fitch Ratings, and Weiss. Each service uses different letter grades for their ratings, but in general, all rate companies with a series of ratings from A through D; carriers receiving one of the A ratings are the most financially sound.

Current ratings for the insurance companies FTJ works with are shown on the left. All insurers are not rated by all rating services. For information on how each rating service derives its ratings can be found on their respective web sites:

FTJ's relationship with its carriers varies. For some, it serves solely as the sales agent. For many others, FTJ provides an array of third-party administration services. These include: underwriting services (risk assessment and rating for applicants), policy issuance, billing, customer service, and claims adjudication and payment.