Demotech ratings explanation
Since 1985, Demotech, Inc., a Columbus, Ohio based financial analysis and actuarial services firm,
has provided responsive services to address actuarial and financial analysis issues, whether the
issues have been for a particular insurer or prevalent throughout the insurance industry.
FSRs summarize Demotech’s opinion of the financial stability of an insurer regardless of
general economic conditions or the phase of the underwriting cycle. FSRs utilize statutory
financial data based on insurance accounting principles prescribed or permitted by the National
Association of Insurance Commissioners (NAIC). Since 1989, FSRs of A or better have been accepted
by the major participants in the secondary mortgage marketplace. Learn more at
www.demotech.com.