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FNWL is owned by
FNWL's rating reflects its strategic role and synergies within the
Offsetting factors reflect aggregate investment losses in recent years largely due the economic crisis, exposure to interest-sensitive collateralized mortgage-backed securities and disintermediation risk due to an annuity block with minimal surrender charge protection.
The methodology used in determining these ratings is Best’s Credit Rating Methodology, which provides a comprehensive explanation of A.M. Best’s rating process and contains the different rating criteria employed in the rating process. Key criteria utilized include: “Understanding BCAR for Life/Health Insurers”; “Risk Management and the Rating Process for Insurance Companies”; and “A.M. Best’s Liquidity Model for U.S. Life Insurers.” Best’s Credit Rating Methodology can be found at www.ambest.com/ratings/methodology.
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