Demotech, the independent financial rating agency, has assigned a Financial Stability Rating® of A, Exceptional to MutualAid eXchange.

This level of rating is assigned to insurers that possess

  • Exceptional financial stability related to maintaining positive surplus as regards policyholders,
  • Liquidity of invested assets,
  • Acceptable level of financial leverage,
  • Reasonable loss and loss adjustment expense reserves, and
  • Realistic pricing.

Financial Stability Ratings® (FSRs) are a leading indicator of an insurer’s financial stability. FSRs are based upon a series of quantitative ratios and considerations which together comprise Demotech’s Financial Stability Analysis Model. FSRs are accepted by several government-sponsored enterprises, including Fannie Mae, Freddie Mac and various programs of the United States Department of Housing and Urban Development (HUD), mortgage lenders, as well as a number of umbrella and agents errors and omissions insurance markets. The most current Financial Stability Rating® must be verified by visiting