AM Best rates inshuwarisi makambani chete.
Rating Systems
Imwe yega makambani mana akagadzira hurongwa hwekushandisa hunoshandisa imwe kana kuti mamwe matsamba ezvinyorwa zvitsanangudzo kuti arondedzere imwe yechurenzi yemari. Nhamba yacho inowanzobva kune "yakanakisisa" kana "yakakwirira" kune "varombo" kana "vakaora mwoyo." Kunyange zvazvo makambani anoshandisa dhiyabhorosi yakafanana kuti avere kuverenga kwavo, hapana maitiro maviri akafanana.
Izvozvi masangano anotarisa zvose qualitative uye quantitative factors apo rating an insurer. Zvakawanda zvinokonzera zvinosanganisira iyo inshurenti yemashoko ekuwana, bhadharo yayo, uye kurasikirwa kwayo uye kuenzanisa kwemari. Zvinhu zvinofananidzira zvinogona kusanganisira kufanana kwekambani, hutano hwehutungamiri hwahwo, uye chido chayo chekuda.
Kuongororwa kwemabhizimisi kunobereka maverengero akawanda kune umwe neumwe inshuwarisi. Chimwe chiyero chinogona kushanda kune inshurensi simba rezvemari asi imwe inoratidza kukwanisa kwayo kubhadhara chikwereti kwenguva refu. Mazana mana emakambani ekusimba kwesimba zvemari anoratidzwa mu tafura iri pasi apa.
Mitsara pasi apa B (kana C +) yakasiyiwa.
Ichokwadi kuti kukohwa kunoonekwa mumutsara mumwechete hakurevi kuti ivo vakaenzana. Semuenzaniso, S & P's AA yero inogona kusiyanisa kubva kune Moody's Aa. Nemhaka yekuti maitiro ehutano akasiyana, chinhu chakanakisisa chekuongorora zviyero kubva kune dzimwe nzvimbo apo paunenge uchiongorora inshuwarisi.
Kuyera kweVishushi 'Financial Strength
| FITCH | AM HERE | S & P | CHIKAMU |
| AAA | A ++, A + | AAA | Aaa |
| Kunze kwekodzero yakasimba yekubhadhara zvipikirwa zvemari | Unyanzvi hwepamusoro hunosangana nekusungirirwa | Kunyanya kusimba kwehutano kuchengetedza maitiro. Highest S & P rating | Kunze kwekuchengetedza kwemari. Chinzvimbo chakasimba chakasimba. |
| AA | Hazvigoneke | AA | Aa |
| Simba rakasimba kwazvo rekubhadhara zvipikirwa zvemari | Makambani akaratidzira A + ndeye "chinyorwa" chiri pasi kune avo vakanzi A ++ | Yakasimba zvikuru yemari kuchengeteka maitiro | Zvakanaka zvikuru mune zvemari. |
| A | A, A- | A | A |
| Simba guru rekubhadhara kuzvipira kwemari | Simba rakasimba kwazvo rekuzadzikisa zvipikirwa zvemari | Simba rekuchengetedza zvemari | Zvakanaka zvemari kuchengeteka. |
| BBB | B ++, B + | BBB | Baa |
| Kukwanisa kwakakwana kubhadhara zvipikirwa zvemari | Unyanzvi hwakanaka hwokusangana nemari yemari | Zvakanaka zvemari kuchengeteka maitiro | Kuwana mari yakakwana |
| BB | B, B- | BB | Ba |
| Yakave yakakonzerwa nekutengesa ngozi asi yakashandura kushandiswa kwemari | Unyanzvi hwakanaka hwokusangana nemhiko dzezvemari | Marginal financial security character | Kunetseka kwemari kunetseka |
| B | C ++, C + | B | B |
Njodzi yehutachiwana yekusasikirwa nechepakati pekuchengeteka | Kukwanisa kwepakati pekukwanisa kusangana nehupfumi hwavo huripo. | Kushaya mari kwekuchengetedza zvigaro | Zvisina kuwanda zvemari kuchengeteka |
Kuyera Kunogumira
Simba rezvemari rakananga "rinotarisa mberi." Izvi zvinoreva kuti ivo vanofanotaura nezvevashandi vekambisi yekukwanisa kusangana nemari yavo. An insurer inonyanya kuita chikwereti ndeyekubhadhara mari kune (kana kuti nokuda kwe) vatevedzeri vemitemo. Vatsigiri vanogonawo kuva nezvibvumirano zvevatsigiri vezvevatsigiri uye mamwe mapato.
Chikwereti chekwereti hachisi chivimbo chekuchengetedza kwekuchengetedza kwehushandi. Zvikwereti zvekodzero zvinopa zvikwereti kune vatsigiri vehutano zvichibva mune dzimwe pfungwa. Izvozvo mafungiro zvingaratidza kuti hazvina kururama.
Izvo zvinyorwa zvinoshandiswa nehuwandu hwemahofisi zvakanyatsopararira, saka imwe nhengo inogona kunge inosanganisira nhamba yakawanda yevanishuwarenzi. Semuenzaniso, mazana emakambani einishuwarenzi angave akakodzera S & P's AA. Kunyange zvazvo mabhizinesi aya akafanana, haasi kufanana nezvikwereti zvekwereti.
Inishuwarenzi nyanzvi yekambani inoratidza vatsigiri vekwereti 'mano ekubhadhara zvikwereti. Havasi chiyero chehutano hwevanishuwarenzi 'kuda kushandiswa kwemashumiro.Chokwadi chokuti inshurensi inogona kubhadhara kudai hazvirevi kuti ichaita saizvozvo zvakanakira kana kubudirira.