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Term Life Insurance FAQ
GETTING STARTED
Q. How can I be confident that the insurance company will
be in good health financially to pay my claim?
A. To protect consumers, there are a number of highly respected independent organizations that monitor insurance companies and provide insurance company ratings. Among these are A.M. Best, Moody’s Investor Services, Standard & Poor’s and Weiss Ratings, Inc. Each ratings firm uses its own evaluation process, but all typically analyze the insurance company’s financial strength, recent performance and stability of management. The ratings are detailed and explained so you have a clear picture of the company’s ability to honor claims. The rating scales are different — some might use AAA to indicate strength, while another uses A++. And an A+ at one does not necessarily mean the same thing as AA at another. When checking life insurance company ratings, it’s a good idea to also look at the previous year’s rating.
© 2009 Matrix Direct, Inc. Agency services provided by Ronald J. (John) Harris in IA, TN and VT; Matrix Direct Insurance Services in CA (#0B57619), ME, MA, and OK; Matrix Direct Insurance Agency, Inc. in UT; and Matrix Direct, Inc. in AR (#246412) and all other states, except SD.
Matrix Direct, Inc. is a subsidiary of American General Life Insurance Company (AGL) and an affiliate of The United States Life Insurance Company in the City of New York (USL).
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