He ahaʻo ia kahi "A" iʻikeʻia e ka Hui IniʻImi?
ʻO ka mea maʻamau, uaʻikeʻia kekahi kamupeneʻimi a "A" iʻoihana hana ma luna o kānaʻoihana i ka noʻonoʻo (hiki i ka mea uku hōʻai'ē uku a uku i nā kuleana i hōʻikeʻia) a me ka hanaʻana i ke kālā inā e hoʻohālikelikeʻia me kona mau hoa.
ʻO nā hui kūhelu nui, nui ka hāʻawiʻana i nā hōʻikeʻana mai ka "A" aiʻole ma luna o ka "C" a "D pahalā (C a D rating i nāwaliwali loa.)
ʻO wai kahi e makemake ai i kahiʻahahuiʻimi kūikawāʻo "A"?
ʻO kaʻoi aku o ka ikaika o ka hōʻeia o kaʻike kālā ma kahiʻoihana inikua,ʻo kaʻoi aku paha ia o ka nele i kaʻike kālā a hiki paha ke pani i nā puka. Ponoʻoe i kahiʻoihana e hiki iāʻoe ke hilinaʻi e noho a puni ka manawa e pono ai. No kekahi poʻeʻaelike,ʻaʻole hiki iā lākou ke hoʻopau i kahi hana ke hikiʻole iā lākou ke hōʻike aku iā lākou he'īpuniʻokoʻa ma o ka "A" i hōʻailonaʻia e like me ke kauoha.
'Aʻohe "A" Ratua i like
Hiki i nā hui kālepa ke hōʻoia i nā kumukūʻai waiwai waiwai o nā hui o kaʻahahui e hoʻohui a hoʻohālikelike i nāʻoihana kālā o ka hui ma mua, i kēia manawa a me ka wā e hiki mai ana. ʻO kekahi o nā kumu nui e hoʻohana ana no ka hoʻoholoʻana i ka hōʻai'ē o kahiʻinikua e mālama i nā hoʻoponopono kālā, nā moʻolelo kuhi kuleana, ke kūkāʻana i kaʻoihana a me ka hoʻolālā o kaʻoihana a me ka nohona hooponopono.
Hoʻonohonohoʻia kēlā me kēia'āmike hōʻai'ē i kona manaʻo pono'ī no ka hoʻoholoʻana i nā hiʻonaʻokoʻa o nā manaʻoʻike kālā a me ko lākou nui.
E like me kāu i manaʻo mua ai,ʻaʻole i hoʻohālikelikeʻia nā "A" a pau i ka wā e loaʻa ana i nā hui inimahi. ʻO kaʻoiaʻiʻo, ma muli o kēlā mekeʻoi pālākiu āu e nānā nei, hiki i nāʻano likeʻole o nā "A", nā mea a pau me nāʻanoʻano'ē aʻe.
Hiki iāʻoe ke nānā i nā hōʻike i nā kiko'ī a me kēlā me kēia hoʻohālikelike ma ka pūnaewele o kēlā me kēia Insurance Plan:
- AM maikaʻi :
- Hoʻohui :
- Moody's :
- Palena & Poor :
Ka papa inoa o kekahi mau "A" i kohoʻia aʻoi aku paha nā poʻe Inimoku
ʻAʻole kēia manaʻo e hoʻopiha a ua nui aku nā mea hoʻokele iʻoi aku ka maikaʻi iʻoi aku ma mua o ka mea i heluʻia ma lalo nei. Eia naʻe, ināʻoe eʻimi nei i ka waiwai maikaʻi loa o kahi kulekele pilikino , eia kekahi mauʻoihanaʻokoʻa i kohoʻia aʻoi aku paha iʻoi aku ka maikaʻi e nānā iā:
AIG : maikaʻi maikaʻi loa: "A" pane; ʻO Fitch: "Hōʻike" A; Moody's: "helu A1"; "Standard & Poor:" A + "helu. Hoʻonohonohoʻo AIG i kahiʻinikua ola, pilikia a me ka hoʻokele olakino, ka hoʻokele moraki, ka pilikino hele, a me nā waiwaiʻokoʻa waiwai'ē aʻe.
GEICO : AM Best: "A ++" ka helu; Palena & Poor: "ka AA +" helu. Ke kākau neiʻo GEICO i ka kaʻa, waiwai a me nāʻoihana pāʻoihana a me nā huahana'ē aʻe o ka malu, ke ola, ka huakaʻi, nā'āina'ē, ka pilikino pilikino, ka pipi a me nā mea'enekeneke.
Holomua : AM Best: "A +" helu; Palena & Poor a: "ka aA"; Hōʻikeʻiaʻo Fitch "AA". Hoʻopuka holomua i nā lālā pilikino a me nāʻoihana kūʻaiʻoihana e like me ka auto, kaʻakani, nā mea hale, nā hoaaloha, ke ola, ke olakino, ke kaʻa kūʻai kālepa a me ka hoʻolimalima moku.
Nā huakaʻi : AM Best: "A" pālākiō a iʻole no nā kamaliʻi holokaʻi; Fitch "AA"; Moody's: "Aa2"; Palena & Poor: "AA." Ua kākau nā mea hele i kahi mau laina e like me kēia: pilikino pilikino - Auto , Homeowner , Condo, Renters, Flood, Boat & Yacht, Noela, Wedding & Events Events, Nā Pāʻoihana a me ka'Imike Kūikawā Kūikawā: Kaupapa Kālā Pāʻoihana,'Ohihana & Mīhini, Nūhou Moemoeka no ka Honua , Nānā nui, Nā Huahana Lahui, Nā'Inelani, Nā Mokupuni Waiwai, Nā Pono Aupuni, Moana Moana, Hoʻolālā Pāʻoihana, Māmā, a me nā Hanahana.
USAA : USAA hāʻawi i ka 'inikua no ka lawelaweʻana i nā lālā o ka pūʻali koa US. AM AM USAA maikaʻi loaʻoiai he "A ++" kiʻekiʻe. USAA kākau i ka motika, auto, nā mea hale, ke ola a me ke olakino olakino a hāʻawi pū aku hoʻi i nā lawelawe lawaiʻa a me nā hoʻokele.
ʻO ka Hartford : AM Best: "A"; ʻO Fitch: A +; Moody's: A2; Palekana a me Poor: A. Ua hāʻawi aku ka Hartford i nāʻinikua a me nā waiwai kālā i nāʻoihana a me nā mea i komo pū me: Auto Insurance (no nā kānaka a me ke kūikawā kūikawā ma o ka AARP ), Ka Pahuʻana o ka Pāʻoihana, Nā Hana Hana, , Kelepa Waiwai, Kelepona Lawaiʻa,'Ake Waiwai, Lālā Nui, KaʻImi Aʻo, Surety & Fidelity Bonds, Marine Insurance, Home Insurance Insurance, Plan of Life Savings, Benefits Benefits, Plans of Retirement Plans, Life Insurance Mutual Funds, Safe Haven Program Kaupalena, nā uku o ka poʻe limahana, ka pilikia o ke ola o kaʻaoʻao, ka'utehana pāʻoihana, ka wai kūʻai waiwai, ka waiwai kālepa, ka hōʻiliʻiliʻikepili, ka uku ukana, ke kuleana nui, ka hoʻolaha kālā, ka hoʻopaʻapaʻa a me ka hoʻopaʻapaʻa.
MetLife : AM Best - A + Supérieur; Ka Moena Moody's Investor - Aa3 (Ke kiʻekiʻe kiʻekiʻe me ke kūpono haʻahaʻa iʻole ke kālā); Nā Palena & Poor (S & P) - AA- (S & Pʻo ka helu kiʻekiʻe kiʻekiʻe loa). Hāʻawiʻo MetLife i nā huaola pili waiwai, nā niho, nā kino kīnā, nā makahiki makahiki, ka hoʻokele a me ka home. Eia hou, hoʻolakoʻia nā huahana waiwai e like me ka hoʻolālāʻana i ka hoʻomahaʻana, nā lawelawe moraki a me nā lawelawe hoʻolālā waiwai.
ʻO ka Waihona Pāʻani: Loaʻa nā Kamupuka'Oleka'Olepa a me A (ka maikaʻi maikaʻi) mai AM Best. Hōʻike ka'Āpana Waiwai i ke kaʻa waiwai, waiwai a me ka ola ola ma ka hoʻonui a me nā lawelawe kālā. Loaʻa nā'utepili waiwai a me nā waiwai hoʻolimalima i AZ , IA , KS , MN , NE , NM , SD a me UT . Loaʻa nā hoʻolaha ola a me nā hua makahiki i AZ , IA , ID , KS , MN , MT , ND , NE , NM , OK , SD , UT , WI a me WY.
Māka'āina :' Am Best: A ++ (Kiʻekiʻe aʻe); Palena a me Poor: A rating rating. Hāʻawi ka moku'āina Moku'āina i nā 'inikua o ka mea hale, nā mea hoʻokele'āina , ka' ahahui condo, kaʻoni moto moto, ke ola olaki a me nā lawelawe kīwī a me nāʻoihana kālā ma o nā mea hoʻolaha ma o ka Moku'āina Hui PūʻIa.
ʻO Hanover : AM Best: "A" maikaʻi loa; S & P: "A-"; Moody's: A3. Hoʻolimalimaʻo Hanover i nāʻoihana pāʻoihana, kūikawā a me nā pilikino pilikino e like me: Lāhui Nui, Ka Palekana o ka Pāʻoihana, Ka Pono, Ka Pāʻoihana Pāʻoihana, Māmā, Ka uku o nā meaʻoihana, Marine, Hoʻolālā Pilikino, Lālā Hoʻolālā, Hoʻomalu, Hoʻomalu Pāʻoihana. , Pūkino, Mea hale,'Ukini,'Akepili Mea Pono, Māmā, Eʻike i kaʻImi Waihue a me nāʻImi Ahi / Hina Ahi.
Erie Insurance :ʻO Eric Insurance kahi "A +" i hoʻonuiʻia e AM Best. Hāʻawiʻo ia i nā kaʻa, nā mea hale, nā waiwai & kuleana, ke ola a me ka hoʻolimalima pili. Hāʻawi pū ia i ka hoʻolālā palekana me nā makahiki makahiki. Ua loaʻaʻo Erie Insurance i ka District of Columbia: Illinois, Indiana, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia a me Wisconsin.
Kāleka'IlepiliʻAmelika :ʻAmelika Home Insurance i loaʻa iā ia kahi "A" maikaʻi loa me AM Best. Hāʻawi ia i ka kaʻa, ka home, ke ola, kaʻoihana, kaʻoihana mahiʻai / hānai a me nā mea hoʻolimalima i nā moku'āina 19.
Amene Mutual Insurance :'Aʻawiʻiaʻo Amica Mutual Insurance i ka "A ++" ma mua o AM Best. Hāʻawiʻo ia i nā kaʻa, nā mea hale, nā kuleana pilikino a me kaʻinikua ola ma ka United States.
Māhele ākea : AMʻAmelika "A +" Hoʻonui; Moody's: "A1"; Palena a me Poor: "A +." Na ka'āina e kākau i ka moku, ka moku, ka motoka, nā mea hale, nā mea hale noho, ola, nā lāʻau lapaʻau, nāʻoihana, nā pipi a me nā pono pāʻani ma waena o ka US.
ʻO ka Mutual Liberty : AM Best: "A" maikaʻi loa; Palena & Poor: "A" Mana; Moody's: "A2" maikaʻi. ʻO nā huahanaʻoiaʻiʻo i hāʻawiʻia ma o Liberty Mutual e komo nā mea hale, kaʻa, kaʻakino, kālepa a me nā hui.
Pehea ia mea iāʻoe?
He mea nui ka "A" a iʻole ka lālāʻoi aku no kaʻoihana pilikino iāʻoe e like me ke kumukūʻaiʻaihue no ka mea e kōkua iāʻoe e noʻonoʻo i nāʻoihana e hana maikaʻi ma kahi o ka kūpono a me nā mea e hoʻopuni ana iāʻoe inā makemakeʻoe iā lākou i loko o nā manawa kūponoʻole a me nā manawa ho'āʻo. ʻOiai,ʻoiai ka maikaʻi o ka hoʻokele waiwai maikaʻi he mea nui ia i ka hoʻoholoʻana i kahi pono o kaʻoihana inikua iāʻoe, aia kekahi mau kumu'ē aʻe e noʻonoʻoʻia e like me ka lawelaweʻana o ka mea kūʻai, maikaʻi loa no ke kumukūʻai a me ka uku o nā mea kūʻai.
Aia kekahi mau hui i hui pū me nā hui heluʻaina e hiki ke kōkua iāʻoe e loaʻa i ke kiʻi piha o kahiʻoihana inikua e like me nā huiʻinikua waiwai o Ward's Top 50 , nā Comeex Ranking , JD Power & Associates , Kelepona Pakihi maikaʻi loa,ʻo Insure.com's People's Koho Choice , a me kaʻAhahui Hoʻolālā KūʻaiʻAmelika (ACSI) . ʻO ka lako o nā lakohana āu e loaʻa ai,ʻo kaʻoi aku ka maikaʻi o kāuʻikeʻana e loaʻa i kahi pilikino pono noʻoe a me kouʻohana.