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) 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.

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 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