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There are several independent, nationally recognized insurance company rating agencies that regularly review insurance company financial records to assess their financial strength. The ratings Western National Life Insurance Company receives from these agencies indicate that the company has sufficient resources to meet its financial obligations and fulfill policyholder benefits.

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AgencyRatingDefinition
A.M. BestA
Excellent

Third
highest of
16		"Assigned to companies that have, in our opinion, an excellent ability to meet their ongoing insurance obligations."
FitchA-
Strong

Seventh
highest of
21		"Denotes a low expectation of ceased or interrupted payments. Indicates a strong capacity to meet policyholder and contract obligations. This capacity, may nonetheless, be more vulnerable to changes in circumstances or in economic conditions than is the case for higher ratings."
Moody'sA1
Good

Fifth
highest of
19		"Insurance companies rated 'A' offer good financial security. However, elements may be present which suggest a susceptibility to impairment sometime in the future."
S&PA+
Strong

Fifth
highest of 
19		"An insurer rated 'A' has STRONG financial security characteristics, but is somewhat more likely to be affected by adverse business conditions than are insurers with higher ratings."

Ratings are as of March 2, 2010.