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INNOVATIVE INSURANCE SOLUTIONS

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Insurance Company Rating Categories
Rank	A.M. Best	Standard & Poor's	Moody's	Fitch
	Financial Strength	Financial Strength	Financial Strength	Financial Strength
1	A++ Secure / Superior	AAA Extremely Strong	Aaa Exceptional	AAA Secure / Highest
2	A+ Secure / Superior	AA+ Very Strong	Aa1, Aa2, Aa3 Excellent	AA+ Secure / Very High
3	A Secure / Excellent	AA Very Strong	A1, A2, A3 Good	AA Secure / Very High
4	A- Secure / Excellent	AA- Very Strong	Baa1, Baa2, Baa3 Adequate	AA- Secure / Very High
5	B++ Secure / Very Good	A+ Strong	Ba1, Ba2, Ba3 Questionable	A+ Secure / High
6	B+ Secure / Good	A Strong	B1, B2, B3 Poor	A Secure / High
7	B Vulnerable / Fair	A- Strong	Caa Very Poor	A- Secure / High
8	B- Vulnerable / Fair	BBB+ Good	Ca Extremely Poor	BBB+ Secure / Adequate
9	C++ Vulnerable / Marginal	BBB Good	C Lowest	BBB Secure / Adequate
10	C Vulnerable / Weak	BB+ Marginal		BB+ Uncertain
11	C- Vulnerable / Weak	BB Marginal		BB Uncertain
12	D Vulnerable / Poor	BB- Marginal		BB- Uncertain
13	E Vulnerable / Under State Supervision	B+ Weak		B+ Possessing Risk
14	F Vulnerable / In Liquidation	B Weak		B Possessing Risk
15	S Rating Suspended	B- Weak		B- Possessing Risk
16		CCC+ Very Weak		CCC Substantial Risk
17		CCC Very Weak		DD Liquidating
18		CCC- Very Weak		SR Suspended Rating
19		CC Extremely Weak
20		R Regulatory Action

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Innovative Insurance Solutions � Refers licensed life insurance agents in all 50 states. The following agent license numbers are provided for Innovative Insurance Solutions as required by state law: FL agent # A225936