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Learn About Insurance

Standard & Poor’s ratings serve as a useful tool for investors and market participants to gauge credit risk and have helped companies and governments access capital. Today, Standard & Poor’s provides ratings for entities that offer different types of insurance products and services including life insurance, property and casualty insurance, annuities, health insurance, reinsurance, title insurance, mortgage and bond insurance.

Standard & Poor’s offers the following types of ratings services for insurance-related entities:

  • Insurance Financial Strength Ratings – useful for buyers of insurance, risk managers and employee benefit administrators, this type of rating provides details on an insurance organization’s ability to pay its policies and contracts. Insurance brokers and agents may also use these ratings to meet due diligence and disclosure requirements.
  • Insurance Financial Enhancement Ratings – provides investors with an assessment of an insurer’s willingness to pay financial guarantees on a timely basis.
  • Bond Insurance – Standard & Poor's offers the most comprehensive coverage of bond insurance in the marketplace. Our bond insurance ratings are supported by a diverse and global network of sector professionals in structured finance, project finance, public finance, and corporate and financial institutions. Learn more about Bond Insurance below.
For more information on our Insurance Criteria, click here.

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