Financial Strength Ratings

Financial strength ratings are the opinions of the rating agencies regarding the financial ability of an insurance company to meet its obligations to its policyholders. Ratings provide both industry participants and insurance consumers with meaningful information on specific insurance companies and have become an increasingly important factor in establishing the competitive position of insurance companies. Rating agencies continually review the financial performance and condition of insurers and higher ratings generally indicate financial stability and a strong ability to pay claims.

WellPoint, Inc. is comprised of several insurance companies, one of the largest of which is Anthem Insurance Companies, Inc ("Anthem Insurance"). The current financial strength ratings of Anthem Insurance and its consolidated subsidiaries are as follows:

Rating AgencyFinancial Strength RatingRating Description
AM Best Company, Inc. (“Best”)A ("Excellent")Second highest of nine ratings categories and highest within the category based on modifiers (i.e., A and A- are “Excellent”)
Standard & Poor’s Rating Services (“S&P”)A+ ("Strong")Third highest of nine ratings categories and highest within the category based on modifiers (i.e., A+, A and A- are “Strong”)
Moody’s Investor Service, Inc. (“Moody’s”)A2 (“Good”)Third highest of nine ratings categories and second highest within the category based on modifiers (i.e., A1, A2 and A3 are “Good”)
Fitch, Inc. (“Fitch”)AA- (“Excellent”)Second highest of eight ratings categories and lowest within the category based on modifiers (i.e., AA+, AA and AA- are “Excellent”)


Each of the rating agencies reviews its ratings periodically and there can be no assurance that current ratings will be maintained in the future. WellPoint believes its strong ratings are an important factor in marketing its products to its customers, since ratings information is broadly disseminated and generally used throughout the industry. The above ratings reflect each rating agency's opinion of the financial strength, operating performance and ability to meet obligations to policyholders of Anthem Insurance and its subsidiaries, and are not evaluations directed toward the protection of investors in WellPoint's common stock.
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