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Financial Stability Ratings® (FSRs) are a leading indicator of the Financial stability of Property and Casualty insurers, Title underwriters, and Life & Health insurers. Demotech's rating process provides an objective baseline for assessing solvency based upon changes in Financial stability, as presented in an insurer's balance sheet over time. FSRs represent Demotech's opinion of a company's ability to survive a downturn in economic conditions as well as a downturn in the underwriting cycle and meet its policyholder obligations. FSRs are based upon a series of quantitative ratios and certain qualitative factor. Click the image for company details.