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*A.M.
Best's rating system provides an opinion as to an insurer's
financial strength and ability to meet ongoing obligations to
policyholders. A.M. Best offers 13 ratings ranging from A++ (superior) to F
(in liquidation). The
rating symbols "A++", "A+", "A",
"A-", "B++", and "B+" are
registered certification marks of the A.M. Best Company, Inc.
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