Credit Rating Insights
信用評級洞察
A Comprehensive Overview of Financial Strength
Delve into the methodologies of credit rating agencies and understand the significance of an insurer's financial stability for your assurance.
財務實力綜合洞察
深入了解信用評級機構的評估方法，並理解保險公司財務穩定性對您保障的重要性。
Credit Rating Agencies: At a Glance
信用評級機構：快速比較
Key players in credit risk assessment.
信用風險評估領域的主要參與者。
| Category | 類別 | Fitch Ratings 惠譽國際 |
Moody's Investors Service 穆迪投資者服務公司 |
A.M. Best 貝氏評級 |
|---|---|---|---|---|
| Founded | 成立年份 | 1913 (Fitch Publishing Co. 1914)1913年 (惠譽出版公司1914年) | 1909 (analytical publications), 1914 (MIS)1909年 (分析出版物)，1914年 (穆迪投資者服務公司) | 18991899年 |
| Headquarters | 總部 | New York, USA & London, UK (Dual)美國紐約及英國倫敦 (雙總部) | New York City, USA美國紐約市 | Oldwick, New Jersey, USA美國新澤西州奧德威克 |
| Primary Focus | 主要重點 | Broad: Corporate, Financial Institutions, Sovereigns, Structured Finance.廣泛：企業、金融機構、主權國家、結構性融資。 | Broad: Corporate, Government, Financial Institutions, Structured Finance, ESG.廣泛：企業、政府、金融機構、結構性融資、ESG。 | Specializes primarily in the Insurance Industry.主要專注於保險行業。 |
| Rating Scale (Long-Term Example) | 評級系統 (長期範例) | AAA to DAAA 至 D | Aaa to CAaa 至 C | A++ (Superior) to D (Poor) (Financial Strength Rating)A++ (卓越超著) 至 D (欠佳) (財務實力評級) |
| Influence | 影響力 | One of the "Big Three"; influential in capital markets.「三大」評級機構之一；在資本市場具影響力。 | One of the "Big Three"; highly influential globally.「三大」評級機構之一；全球影響力巨大。 | Leading authority in insurance ratings.保險評級領域的領導權威。 |
Choosing Between Agencies: Key Strengths
如何選擇評級機構：主要優勢
Each agency brings unique expertise to financial analysis.
每個機構都在財務分析方面擁有獨特的專業知識。
Fitch Ratings
惠譽國際
Comprehensive analysis across various sectors, strong in structured finance.
跨多行業全面分析，結構性融資產品具優勢。
Moody's Investors Service
穆迪投資者服務公司
Extensive global assessments, in-depth research, and broad asset coverage.
廣泛全球評估，深入研究，資產覆蓋廣。
A.M. Best
貝氏評級
Leading specialist for insurance industry ratings globally, offering focused expertise.
全球保險行業評級的領導專家，提供專注的專業知識。
Who is A.M. Best?
Founded in 1899, A.M. Best is the world's oldest and largest credit rating agency specializing in the insurance industry. Their expert ratings provide an independent opinion on an insurer's financial strength and its ability to meet its ongoing promises to you, the policyholder. A strong rating is a key indicator of reliability and trustworthiness.
誰是 A.M. Best？
A.M. Best 成立於1899年，是全球歷史最悠久、規模最大的專注於保險業的信用評級機構。其專業評級就保險公司的財務實力及其履行對您（保單持有人）持續承諾的能力，提供獨立的意見。一個強而有力的評級是可靠性和信譽度的關鍵指標。
Interactive Rating Scale
Click on any rating to see its detailed meaning.
互動評級表
點擊任何評級以查看其詳細含義。
A.M. Best Rating Categories
Ratings are grouped into tiers for clarity.
貝氏評級類別概覽
為清晰起見，評級通常分為不同類別。
Investors Trust Assurance: Rated A- (Excellent)
Understanding the foundation of our strong financial standing within the "VERY SECURE" category.
Investors Trust Assurance：榮獲 A- (卓越) 評級
了解我們在「非常穩健」類別中強大財務狀況的基礎。
Strong Balance Sheet
強健的資產負債表
Risk-adjusted capitalization assessed in the "Strongest" category by A.M. Best.
風險調整後資本被貝氏評為「最雄厚」級別。
Strong Operating Performance
卓越的營運表現
Consistent profitability and a strong Return on Equity (ROE).
持續的盈利能力和強勁的股本回報率 (ROE)。
Neutral Business Profile
中性的業務概況
Balanced geographic diversification and focus on niche markets.
地域多元化與專注利基市場的平衡。
Appropriate Risk Management
適當的風險管理
Formalized Enterprise Risk Management (ERM) framework.
正規的企業風險管理 (ERM) 框架。
Official Documentation
Access the full reports and certificates from A.M. Best for complete transparency.
官方文件
查閱 A.M. Best 的完整報告和證書，以實現完全透明。
Comparison with Selected Malaysian Life Insurers
A.M. Best ratings for context. Verify directly for current information.
與選定馬來西亞人壽保險公司的比較
貝氏評級資訊僅供參考，最新資訊請直接核實。
Prudential Assurance Malaysia Berhad
保誠保險馬來西亞有限公司
A.M. Best FSR Category: 貝氏財務實力評級類別：Very Secure非常穩健
Outlook: 展望：Stable
Great Eastern Life Assurance (Malaysia) Berhad
大東方人壽保險（馬來西亞）有限公司
A.M. Best FSR Category: 貝氏財務實力評級類別：Very Secure非常穩健
Outlook: 展望：Stable
AIA Bhd.
友邦保險有限公司
A.M. Best FSR Category: 貝氏財務實力評級類別：Very Secure非常穩健
Outlook: 展望：Stable
Allianz Life Insurance Malaysia Berhad
安聯人壽保險馬來西亞有限公司
A.M. Best FSR Category: 貝氏財務實力評級類別：Very Secure非常穩健
Outlook: 展望：Stable
Disclaimer: Ratings as of June 2025, subject to change. Verify with A.M. Best. For informational purposes only.
免責聲明：評級截至2025年6月，可能發生變化。請向貝氏核實。此比較僅供參考。
What Our Rating Means for Your Financial Security
Choosing a financially strong insurance partner is crucial. Our A- (Excellent) rating from A.M. Best, placing us in the "VERY SECURE" category, validates our stability, offering you peace of mind. It's a testament to our reliability and commitment to you.
我們的評級對您的財務安全意味著什麼
選擇財務實力雄厚的保險夥伴至關重要。我們從貝氏獲得的 A- (卓越) 評級，將我們置於「非常穩健」類別，驗證了我們的穩定性，讓您倍感安心。這是我們可靠性及對您堅定承諾的證明。