Ratings

Choosing a life insurance company is an important decision, and there are many factors to consider. One important factor is the insurer's ratings.

Ratings are independent opinions of an insurance company's ability to meet its obligations to its policyholders. To arrive at these opinions, the leading independent rating agencies assess the insurer's financial situation, including its revenues, asset to debt ratio, liquidity, and the quality of its management. While ratings measure a company's relative financial strength and security, they do not apply to the performance or stability of funds invested in a company's variable accounts.

We're proud of our consistently high ratings, which reflect the care we take to ensure that we can meet our commitments to you. Our financial strength is our way of showing that when you need us, we'll be there.*

*Ratings of the A.M. Best Company, Moody's Investors Service, Fitch Ratings and Standard & Poor's reflect the current opinion of the relative financial strength and operating performance of Western Reserve Life as of the following effective dates.

A.M. Best Company: May 30, 2007
Moody's Investors Service: November 01, 2007
Fitch Ratings: February 07, 2007
Standard & Poor's: June 22, 2007

Ratings criteria and rankings can vary by rating company. Copies of rating reports are available from Western Reserve Life upon request.

To learn more about these ratings, click on the rating agency name.