You can feel secure, very secure, about our financial stability. Insurance policies are nothing other than a promise to pay if something bad happens. To feel secure about the promise that we made to you, you need to feel secure that we have the financial strength to make good on our promise. The leading agency that provides financial ratings for insurance companies, AM Best, puts us in their “Excellent” rating category. Unlike banks and some other financial institutions that have gotten into trouble through risky investment schemes that collapsed, we property-casualty insurance companies are prevented from all but the most stable and traditional types of investments. The money that we put aside to ensure that we can pay future claims is invested primarily in government bonds.