When choosing an insurance company, today's consumers look for financial stability and the ability to pay claims on a timely basis. Behind the Standard Life and Accident Insurance Company (Standard Life) and American National Life Insurance Company of Texas (ANTEX) commitment to its policyholders is exceptional financial strength.

Standard Life and Accident Insurance Company

A.M. Best Rating: A (Excellent)

The A.M. Best Company, one of the nation's leading independent insurance rating companies, awards Standard Life its rating of A (Excellent), third highest of 16 rating categories. Best's ratings are assigned after an extensive analysis using a series of profitability, leverage and liquidity tests, which measure performance in such vital areas as competency of underwriting, control of expenses, adequacy of reserves, soundness of investments and capital sufficiency.

Standard & Poor's Rating: A (Strong)

Standard & Poor's has assigned a rating of A (Strong) to Standard Life, the sixth highest of twenty active financial strength ratings. The rating of Standard Life reflects the company's extremely strong capitalization, strong financial flexibility and liquidity, and very strong earnings performance, supported by underwriting earnings and investment earnings on its capital base.

American National Life Insurance Company of Texas

A.M. Best Rating: A (Excellent)

A.M. Best Company, independent analysts of the insurance industry since 1899, has assigned American National Life Insurance Company of Texas its rating of A (Excellent), the third out of 16 ratings. Best's ratings are assigned after an extensive analysis using a series of profitability, leverage and liquidity tests which measure performance in such vital areas as competency of underwriting, control of expenses, adequacy of reserves, soundness of investments, and capital sufficiency.

Standard & Poor's Rating: AA- (Very Strong)

Standard & Poor's has assigned a rating of AA- (Very Strong) to American National Life Insurance Company of Texas, the fourth highest of twenty active financial strength ratings. This rating reflects the company's conservative management and strong ability to meet the obligations of its insurance policies and contracts with their terms.

The preceding ratings reflect the publishers' opinions as to the relative financial strength and performance of each insurer in comparison to other insurers, based on their analysis of the information provided to them. These ratings are not a warrant of the insurer's current or future ability to meet its contractual obligations

Standard & Poor's, a division of The McGraw-Hill Companies, Inc., provides independent financial information, analytical services, and credit ratings to the world's financial markets.

Standard & Poor's rating were assigned in December 2008 based on financial results through the 3rd Quarter of 2008. These ratings are provided to you so that you may make a comparison of Standard Life and Accident Insurance Company and American National Life Insurance Company of Texas to other companies. They are not provided as a recommendation by the rating companies to purchase coverage.

Current ratings can be verified at www.ambest.com and www.sandp.com