i'm financial adviser patrick munro talkingtoday about how to find the best annuity companies. what you want to do, is do your research,and insurance companies are the companies that do manage annuities. what you can dois go on to rating services on the web. the best rating services to check out are standardand poor's, you can just basically google that and get standard and poor's. there'salso the best rating agency, just like it sounds, best, there's moody's, and there'salso fitch, f-i-t-c-h. if you find an insurance professional and he's licensed, he shouldbe able to provide all the ratings from the best insurance companies for you. then youcan independently verify the ratings that you were given by the insurance commissionerin the state that you live. of course, you
can call the insurance commissioner and verifythe company by name and they will tell you what the ratings are and if there's any problemswith that company for operating in the state that you live in. ratings are very importantbecause it shows the reserve of capital that the insurance company has for the amount ofpolicies and annuities that it has outstanding. the higher the rating, the higher the reserveswhich means the more safety that you have using your annuities. this is patrick munrotalking about the very best ratings of insurance companies.