An insurance rating is an opinion of the rating agency of the insurance company's financial capacity to meet the obligations of its insurance policies in accordance with their terms. Each of these independent rating organizations has assigned its rating based on a variety of factors, including the company's operating performance, asset quality, financial flexibility, and capitalization. A rating is not a recommendation to purchase, sell, or hold insurance contracts.
Ratings are subject to change at any time.
The insurer may have paid a fee to the rating agency. Empire General's policy liabilities are guaranteed by Protective Life Insurance Company. Protective Life and Annuity Insurance Company's policy liabilities are guaranteed by Protective Life Insurance Company.