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April 18, 2008, Newsletter Issue #9: Where to Find Doctor Disability Insurance Company Financial Ratings
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Tip of the Week
It is important to know that the company from which you purchase your disability insurance for doctors is financially stable to help ensure that they will be there for you should you need them. Learning about the financial condition of the companys' programs you might consider is fairly easy. There are a number of well-respected entities that provide ratings for many insurance companies. A few of the best are:
A.M. Best Company Standard & Poor Moody’s Investors ServiceFitch, Inc.Whether you check these or other services, be sure to understand their rating code system. A company rated “A” by one service may be the highest evaluation given, but if a service company ratings go to “AAA”, an “A” rated company may only be ranked in third, not first, place. While that, by itself is not a “bad” situation, you should always be aware of the ratings definitions so you can make profitable judgments.
Refer to your insurance policy contract for specific information regarding your coverage and for actual terms, conditions and exclusions. The above statements are general in nature and may or may not reflect the actual terms of your insurance policy.
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