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RATINGS
We are firmly committed to meet our financial obligations. Respected independent ratings firms routinely assess our financial strength and stability, and we are proud to share our rating assessments with you. LNC and its affiliates earn high marks from A.M. Best Co., Fitch, Moody's Investors Service and Standard & Poor's Insurance Ratings Services.
No single rating ever portrays the total picture. Examine them all and then judge for yourself. (As of July 28, 2008, these ratings represent the most recently affirmed ratings by the respective agencies.)
| A.M. Best | A+ | (2nd highest of 16) |
| Standard & Poor's | AA | (3rd highest of 21) |
| Moody's | Aa3 | (4th highest of 21) |
| Fitch | AA | (3rd highest of 21) |
| A.M. Best | A+ | (2nd highest of 16) |
| Standard & Poor's | AA | (3rd highest of 21) |
| Moody's | Aa3 | (4th highest of 21) |
| Fitch | AA | (3rd highest of 21) |
| A.M. Best | A+ | (2nd highest of 16) |
| Standard & Poor's | AA- | (4th highest of 21) |
| Moody's | A1 | (5th highest of 21) |
| Fitch | AA | (3rd highest of 21) |
| Commercial Paper | Debt | Debt Rating | |
|---|---|---|---|
| A.M. Best | AMB-1 | a | (6th highest of 22 ) |
| Standard & Poor's | A-1 | A+ | (5th highest rating of 22) |
| Moody's | P-2 | A3 | (7th highest of 21) |
| Fitch | F-1 | A | (6th highest of 25) |
All of the above ratings have a "stable" or creditwatch positive outlook, as defined by the respective agencies, which indicates the ratings are likely to stay the same or be upgraded in the next 6 to 24 months.
These tables were compiled using information available to the public and represent the most recently affirmed ratings by each rating service. These ratings do not imply approval of the variable products and do not refer to the investment performance of the product. These ratings apply only to the company's financial strength or claims-paying ability. They do not apply to safety or investment performance of the variable funds. The ratings do not imply approval of the variable products and do not refer to their performance.
