How Important Are “Ratings”?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Disability contracts can require the insurance company to make payments over many years, so you want some assurance that the company will still be able to honor those commitments when they come due. It is best to deal with insurance companies that are financially strong, but do not get too hung up on ratings. Most insurance companies are strong enough to continue operations from year to year. Only a small number become unable to honor their policy commitments — and those will eventually be taken over and bailed out by other companies under the guarantee arrangements that all states employ to protect policyholders.

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