ࡱ> PRQ bjbjNN ",~,~ ,]$$$$D, ((((>" V X X X X X X $| '^| $$(>($R(>V $$$$V  V @v"V > `ad(J Would you rather cross the ocean in a cruise ship or a rowboat?   Insurance Company Ratings Every insurance company is given a financial rating by several different rating bureaus. Those ratings attest to the financial ability of the company to pay your claims. You should verify the rating of the company you insure with before you purchase your insurance. Bests Rating is the most common rating guide and heres how Bests rates insurance companies. Every company receives a letter rating and a Roman Numeral Rating. The letter rating indicates how secure the company is in relation to its claims paying ability. Premiums and how a company reserves (how much money the company puts aside to pay future claims) is taken into consideration. Here are the Best letter ratings: A++ and A+SuperiorA and A-ExcellentB++ and B+Very goodB and B-FairC++ and C+MarginalDPoorEUnder reviewFIn liquidationSo, just like your kids get a report card, who do you want to put your financial future with? Under most circumstances, with at least an A- insurance company. The Roman Numerals represent the financial size of the company. I to V$1M to $25MVI to X$25M to $750MX to XIV$750 M to $2BXV$2B and greaterThese numbers represent the amount of Capital Surplus and Conditional Reserve Funds. (The money set-aside for claims) So, each insurance company has two ratings and it looks like this: A+XV, B+X, etc. Now would you rather cross the ocean on a Cruise Shipand A++XV insurance company or a rowboat, a CV insurance company? You should also check if an insurance company is domiciled (admitted) in the State or non-admitted. An admitted insurance company has their charter in the State and must abide by slightly different rules than non-admitted companies and its policyholders are protected by the State Insolvency Fund that helps to pay for losses that are outstanding if the admitted company becomes insolvent. Non-admitted companies are domiciled in other states and have the authority to write insurance in the this State if they pay certain taxes and feeswhich are usually passed on to you. When you insure with a non-admitted company that becomes insolvent, the State Guarantee Fund will not pay the claims of those people or businesses insured by the non-admitted company. Its OK to insure with a non-admitted company. You just want to make sure the have at least an A Rating. Its your choice. The cruise ship or the rowboat!  Geared for Success 3 minutes to insurance understanding Save money and cover your fatal gaps. ABC Insurance 123 My Street Any Town, USA 27514 P 919-929-8483 F 919-932-6973 Email:  HYPERLINK mailto:ideas2go@mindspring.com ideas2go@mindspring.com www.insuranceproposals.com BCDEFeh-.ABWXfg{| &{žžžžOJQJhnH B*CJOJQJ B*OJQJB*CJ OJQJ CJOJQJ CJ$OJQJjCJOJQJU CJOJQJ CJOJQJOJQJ CJOJQJ5j5UmH jUmH 5CJ$Y(5CJ,OJQJj5CJ,OJQJUmH/CEefgh$-.7ABMWXPX<$$lZ $+V$ +Vx +V<<$ZZ$ZCEefgh$-.7ABMWXafgr{|~E  [    !"#$%&4BVet ^Xafgr{|~ET @H $Z$ $-$ +V<< -Z<<$$lZ $+V$  [   \`P -<< -Z<< -Z<< +Z<< $Z$ $-$$$lZ  !"#$%&4$$<<4BVet<<$ {| CJOJQJOJQJhnH 0JCJ"j.=CJOJQJUhnH CJOJQJhnH jCJOJQJUhnH  / =!"#$% 0/ =!"#8$%* 00/ =!"#8$% P Z" 00/ =!"#8$%.=Dd )|)  c AfD:\graphics\gears with blue background lt copy.tifb,<(z?~7D?<Dn<=垓Iㅰ2ք<0(z?~7D?PNG  IHDR  (gAMA pHYs   IDATxO_9Zw1d+Ȫ  x7dgtSiͅ&7YdZ ̦EzZ I7ԮLe.9GGGWJze?}$G~8gT' xb ' >?<{31Ь cOO:L:czp=x3̟'@"8 cZOa83 p'脁-;4]C =& ҃y~zmg&R`bPFүpWFIƝѱ8;f/b 4&2r3*М'jYx#EbEWg`Oԝ\g&R!o.mw"P+2SF:Em,s t| vZg2',Tutnjo|U my wnlPkvTLwDk@!QPa w -{:gb&Cb}RwP5f/qFij/ @ŐC"t%E"c;IR]2}+i2uPT0 (mN[DuijF( d۷׌D2p|!Ni!@t9MEyb%4L -牷_u0QUE.=a ?'„f\u. # %=„r_R%gxOTѱV5>(\E 0֭v)vML O-cz;yc*O@BNAo׹:JB}, v$a SAM L B =!/do;ܖ}f3۸So'yw[0Jцy~|FqL'JEま)*ҷ&DKBPlN X+ia!LhcBOtAn:HVώ j0]Ndz@G 0G#G@M4>KGq&ĸ)͈U1wkf^L N}0=*JB'ffbV:vTG%AHa6O(i_z՛0JK1+J%ap3m]?ݗq'vP$<{CMnJ\Dr#Z SpMbAƘ,j*O^"߾+ c  J$L'v #0UmA苞6QII9J`[_R C_=96qLAtDa?%cpeO!3KJB!t6CXTU dzBd+yP)bZgѲ<(<}FB'b :,n ~O>@1dآ{ܣU,p~/VB۹Ŋ_9kCNj^Ejvqz-j6w'֬ScGĬSjqzQ/ d1(ю|F9Y =\Ղ^ySdGlǥa0U輻*Ud=ad,9k>q[dOnWEɒ- .(\Ws, آpC˻OaV (/Gwkخ񈣮@LZAYZޝݯ =4D@|]M, oZ;G_7wzU'ʟ& XAiUd'0}aNG)HDOkQ2ge9@w)IXQ(IE$aIQ@6Nq$a9U ^vpIXTЯbk:ԣu\d4v%KCmdw@˟f}bz,yN$T1М6)B>XL$nnn1|Ko~m/_H-"<^6ISHaflXףD^z$2iF,O Ͳ WoNT<ר&r%zB.&WѧGj?J3zJ$'4Gi(Nۉ ͑Uգ "UEξ'YTf3SUR;U{$1SD'C[4xBc:UCEuS }.ώ)RX-| EVڐI a#=+Rwsa)NSK_a( P)^zߚ ai&tᔣѲX)NI]뮣xDp ]6 -`+ZO>z{As {5-,흡8Eх§,JMR^z^ą!j >:吔g&ܰlW߿ͯ|_v{(wy |PryU*)=(OmBow_] *$J *e2j-PŶ^e'|֭0hDd^\bDsCn:DbSC1GY-GMnnJCH4A_-m!)$"z12Y0qpD3bO)媐ZsO(ا?$<( c_=̈B"LKB CZEKc6NqCo6yW$1p/DCA8rF)׵~UdT OJUI/G+A>T0iabEH[vr"DF0נ_pㆈ]a~`3UUI+aGgd#CaVm啴3j~l+^$޿/Q?>-}TE<^{ID:W}Ljcퟭ6r Tq<ўEDEFOM j\RDVLz@YG :htL*IzK1 NH=:x L R.=IC@IT"q ObRKJ$ц*TlN#)Vi $ђ*D <ѷXtmAm@ ㉖ۉ4+@KˆNH%*,a<ђpkhS+e= K"?GumtFpaXV^'+~T/wJ]rzRJZUalH9O݃W/Te''vAzH\) 񦸛'](PHqu0GaIh#e"g&\1J}hORXvpifE\{*" rOoG u"m x)GQ@8ZĄ.DFh6x5R8+aK0褼q9RjkGv;c>~zӓj퉊˜MQ;*TEG\mXM)L&4 Ϟ-Jd۷_7S?&j92D5Ny-po~ispռeۢ vxw79RI}7[4~;Fe~`)hYAW#rbhK~!:a"q]Rtݩ yH &[E]}Vtal'ױV/6Y+=qi>Ld/V(Q.Dw)8  ;nD-whƔabnPPn-|=T– yb ۮ\N\^ϫWE:\/){oʴ1Q4zUj3 yd j؎ T *h>㧟nŋ*ekYFr!OrCH1~,L}E0ChgJ>M$:g]w"Q vGtՓ6IHPxX}`G(~#%J?*]-'NjJHbiUMN(ĕSI$/]"SU TU(t8YbyG K\)lI;@ j0͒0c;*N%1D(-+Xif*ƝӮZIO X[iK}Q| JDt_VO~)U'T)rvɉȴDI~cDCS) -N휶YFGXa:nZ3JbٯjLA!Ji'8Tq*Q[juqH7U),( ؝0S"Em.E( !h(*>BQʧqe)U4DӘ?9&.x3ʆ+FSCtS{ZkG#ƘWF_sKHH"'cp\ y[ƅ <!vo~u_[U[@Fr"A=zRͻ;^X-ܦOz O0MGG/w>MГ;eхqr A޾=u cӧ,l$2kRn򱵅\9/;[a؛սLiQnd ?hnw&򤅩=L|J$f2w?w [E7pCt\bsɬDȑ'Rk g IZ\ T 40'lVu[ʠR bOXnz:$UZMBDH;$Uc LLv艵FP<цa Uhy)AeMkC_&h NDžJt}U]0n!(y.wm\-m`|<йQ­ s}[)`T|f,.Gޥ4N 9[=&x&g_Io)!d b~q~ЌU&\L^iν z] D en({gVXdrb9wj- 6Vů{Cⶀy]NDz?f䜞hw?#Y{k_h{ÇlwlG`KL&*[KgDWiҪHS=( ÕD 'D7P_Xc7z(L,fz0%QzBU:sDmʱ)}<|4⤖!J)8!||[d3H@Ž]"Dw0Q}vjtO)F0HI Q\f7Y"1l`7Ut\y٥{w>"$ڈhv[h$l;pjMm*KT"ĥch|m;K5`<1qOY"Rh몔~i)T $UI57j=Xg_T?QKAX{nqɚHc-/mw._>}q辞V y'$wE%lnK 5YAI ɱE_ߖ[}o9YRE:;'Fozѽ^oO >7^h^5 W7'M^"lndKxtWS=Vu~Bbi0RW@I xz6t"Αik,qtЩ/ngQ=aĚ''D7~XQrR)ErѠL6R7W!޿r4iHc cU[ڪ #!=a57R~{444- M :W:>'IDgz>7TaH %8 [#uIDAT٭MU3[$Pi]YTR%vC$ 鱉u-{ex8U*b-%1Rp]_%Y6 LRbI4#ȫ!`^f#'`,EGI9h8z4Oؓ-) K56Ĭ ݓ"Ra"󄣤9LX3j$r_q 8j^#ec aiDq<띮~oP.8@,D e/zTpUh&EfUO̿.#foKD>kJ"x3O9OBqI ˚nlh6` "S"'@"6*HBCpSa,N׿"-Ml N*M [A'' #Eޫa+}$UԢ$vWW<h)[eU_|JmfriBԖ_ؔ]. 'rUZ'6\5x ".l%-j0x!)G#'fy[ˆ5,l& T S_UY۵$ѫI"#L<-)z]ƣSUEJ0X"#L<)뭣*zH4T*-t4멷}әm:ȈfFIXU& dG mQ1X0ɍHSf"* KII+9#<+:Cn \i%تq0 [vIO@#E䨾7f|a\҃i –P^I @Jqk6՟%L2cڢf=IO '&uDCX'd 3E$E (>6!=I0%房Qm:Vآ\~x7"ay"䌔-i%ڢy FU^&K0"z(} :tg`~h#0K:xb 0СU8 qh;r <1O@ <1O@ <1>)['+wwE1@[t }]T˖'ZѬk\Px?WP\O!||[(T\q'Y:x9 %X &'g_r_=wdwXh< uK Go7x=cPĚt qDct_U'AGh"R$'D0V 0:rÄ~H.j&8Vp4'D L$}Hq LΩ]k5Ѱs,IX/Tq #Ny'S9LT(OԄ4?b 01# L,}ڂ'*@ "a" <06 %#R8@)% L)|x?6 NXUrMz}v)gDbբmmG(W2sU O@ul2{?~z2h) ?KmSɉSvaѬg_hwRQ8~tڠ/%T?34xFy˿xկ~'E^P`'`Np+~h@meˑ:L&/-VhȚ#LKQ ; eZR0t y&G(RWoE(Yco!C$'`f*JPhl 䤤8 N0?VQ#Q=B>C$Bɑk T/_)(1 X/ǫ-\tR29q.<!R8lQ+aH :ikX'mz` X 6 Cnկ0a:$xw>Vtoq$w_+~fE"*?qa z7CxR0c1u:!OBHb&?(Mm0GOZ(}:wzͅ-crNĈ'`-6 X# '`9$ZC;y_5E0 X m\&Q`C,ĄUTť+2`"0P0Tt1AX"߸]e`!#,t8; = C1A'C6.[\E ø0 1O@ <1O@ <cyqO4i};dyMɯ:ŠȽϮ )HA,J]I/~۷_ǿ0 o#uĮ!2‘9Px֢$׊` UawG9Sl?D OBDCd!Α6jقH zKCS&R Ç?ӧ"( [Q³2x;n-M &N qKbsSW _~A Ŷl_3D %Q2Q MLO{xq5LdBT[v?t[4G x O@}68m7e+_UQswPK#<]Ō9 _ l9KcPz#x*4Kt]3b9fCDlQ )z'2kOkG0^ p)NddrVw>c]PKl%JB!|E*L-J h=iwn} [G5'Kf)wwߎ'ڃ'&UvO&EBrwPEcDBJbܱ-$T"E{TC%q# nQDTL#~If/ 4Gt8oDU@caE-5\Jw*@mTcmy)IlU1D ҹNK) L 3N<uŋlgVe [PE,A|j'*FQ4O@)c"s (-)DXs<ˁ$|sO@!a$,9m"<ht<-$|sڣ2x٫(?=guH&Ll۷_ժmRݺ׿lR ^B0TקC*?tk0{MEIGc'2]}ӆ a b'ig<'LDpDCm)pZ9CBzDpss2yzBF][MNlpw ር3LL<yzb/ڢז[C$a0Α-0X'@ 6[J@K*layؠ$nnn!Q>*cJ}x3wHbP(Bsҭ$t-UƝ@ϞMI.oWĖH"0ZĈ+$<q0UYݻțug U}*I yRҬΔKȳxʾl>:xTSiގz*m9G !L \m\ONDFN%vhLd01OwBGSe5'@;W;&'0q:-̱H "E<)oeگ:D'e24 x 0Q)":!Lg?hGs4Η8VO$MjNUvA4hOOQ `fNB=ڽO\ɀSF_z>x`xt=i^l'2 1x`xt!@L%@͡/x^G%ҟWڎWz'`N,oëA' <q'k*X;C!xy:4Wz>` 蓢yo< Jyk)}y/[U, PMyC~/*Rly\S 8>}'\mn޾b~͍ݿ|樹M%fbnit0~ilHʾ>\ '~Y 0QG0-az ǥ PJNh)r-Ul?uF<JvWAK}25Ti&*O<6P>_Q n;`wNpV0FL<p7. E$(|IX1ܦ Wo"3[I )<$>}T 3K?_I dt>c#dG<% -~}bGk[JbKDŠ'@ B͇((im/y>q$?BG~}cq&k\_y~EI]Z?nN[ yzR>n\t0;٦܏ ۧNe3no [<$ &%"2\e6!D^a<Dsx[Lt21SJ œMh~9 Gጾ'@щb͏2_ױ_l0@1P0{NN(y+3 O@5B`s%Lhy*rbJt*0Pݭ۔I$|u2$N m\P2a &'ԩHa0-P^AC:@< )h"+@]mWVED+ :(~UX"Lϲs'CTWT3$K&O@5W]TaJG$,CNO@F'*ؕXs{$'`9˟QE\1Jddޑ*EpR"L@{Tc.vlFgREp.CKb_, (vZ-nT_~9G%Qӓz$s'2wU. _oɖQ x֢Nla qc S&@xNWmQ0 8Or|k *ǑZx&<+R+R8OHOC? '`QGcúe, g8x&O@ <1O@ <1>}D@xku?0@ x@<~ [@w/ =H8ٺ O5Sak]z0g߰ D5QDAcX +s"=c?Y/tM`,J^yQ~!UQ 8 M[2년'Or82G XG|FOZ>$  ra/O|,D0a '&* Ou5'O*H =)@<3q)@<KBHB Y9)@<33-!RO.kx&Nq \=0x&p-' i}>h؛'`f*|fT} ݭm g]ӓS#=;Z<{dB)hD"%3bR`~V8 >b3J{2K\t;xϜNtk'{TCx'D(0H;׌QƘǟ}|{Kp!OXM=챎t' b xb ' E%@IENDB`DyK ideas2go@mindspring.comyK >mailto:ideas2go@mindspring.com [$@$NormalmH <A@<Default Paragraph Font,@,Header  !(U@( Hyperlink>*B*8V@8FollowedHyperlink>*B* + +.fh ""?"k"{ X 4  .XD@2(  Z  S  HB  C DHB  C DB S  ?CE ,4ttt _Hlt482580835{ # Preferred Customer'D:\Free Reports\Ins Company Ratings.docPreferred Customer<C:\WINDOWS\TEMP\AutoRecovery save of Ins Company Ratings.asdPreferred Customer<C:\WINDOWS\TEMP\AutoRecovery save of Ins Company Ratings.asdPreferred Customer<C:\WINDOWS\TEMP\AutoRecovery save of Ins Company Ratings.asdPreferred Customer'D:\Free Reports\Ins Company Ratings.docPreferred Customer5D:\Free Reports\Reports final\Ins Company Ratings.docPreferred Customer0D:\Reports\Reports final\Ins Company Ratings.docPreferred Customer@D:\Reports\Reports final\Karla's Reports\Ins Company Ratings.docPreferred Customer@D:\Reports\Reports final\Karla's Reports\Ins Company Ratings.docPreferred CustomerVD:\Reports\Reports, Success Series\Reports, Business Insurance\Ins Company Ratings.doc> r; bc  hhOJQJo( hhOJQJo( hhOJQJo(bc>r;@d5 @G:Times New Roman5Symbol3& :ArialQBodoni BoldCondensedA& Arial Narrow?& Arial BlackGFBrush Script MT5& :Tahoma"h HFtIxHfg!20d How Your CreditPreferred CustomerPreferred Customer Oh+'0 $0 L X d p|How Your Creditow Preferred CustomerrefrefNormalePreferred Customer4efMicrosoft Word 8.0@G@8@T^@B|g ՜.+,D՜.+,P  hp  Micron Electronics Inc. 1 How Your Credit Title(RZ _PID_GUID _PID_HLINKSAN{1FC24559-2633-11D4-BD21-00A0CC341091}A ?Gmailto:ideas2go@mindspring.comK 3D:\graphics\gears with blue background lt copy.tif  !"#$%&'()*+,-./013456789:<=>?@ABDEFGHIJMRoot Entry<@$I/I F`adOData 0IO :i+00#D  W1:&oReportsREPORTS/>( 1Tableess SeriesREPxE,I0I0I/I0I2 WordDocument.IZHH0 55"SummaryInformationtH2I( 0;DocumentSummaryInformation8$I2I``0CCompObj P3Iaj:\ObjectPool:&oReportsREPORTS/1xE`ad`ad  FMicrosoft Word Document MSWordDocWord.Document.89qRoot Entry<@$I/I FҩjVData 0IO :i+00#D  W1:&oReportsREPORTS/>( 1Tableess SeriesREPxE,I0I0I/I0I2 WordDocument.IZHH0 55"  !"#$%&'()*+,-./013456789:<=>?@ABUTS `l _PID_GUID _PID_HLINKS_AdHocReviewCycleID_EmailSubject _AuthorEmail_AuthorEmailDisplayNameAN{1FC24559-2633-11D4-BD21-00A0CC341091}A ?Gmailto:ideas2go@mindspring.comK 3D:\graphics\gears with blue background lt copy.tifo$janderson@advancedautomationinc.comJohn AndersonSummaryInformationtH2I( 0;DocumentSummaryInformation8$I2I``00CompObj P3Iaj:\ObjectPool:&oReportsREPORTS/1xE`ad`ad  FMicrosoft Word Document MSWordDocWord.Document.89q ՜.+,D՜.+,P  hp  Micron Electronics Inc. 1 How Your Credit TitleH<X