Your best course of action is to buy from an insurer that is given high marks by at least three of the raters. A.M. Best is the best known of the rating agencies, but Weiss is widely considered to be the toughest grader of the group. Your insurance agent should notify you when your insurer is downgraded. But if you have cash value accumulating in a policy, you should check the ratings periodically yourself and keep a sharp eye out for reports of ratings drops. Most public libraries have insurer-rating guides available for readers to check.
Ratings are free.
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