Well, none of them need a bailout – but every year, 2 – 3 go into receivership. If you can lay your hands on a copy of the AM Best magazine, Bests Review, they list rating changes each month.
At the point of receivership, the policies are transferred to solvent insurance companies in the same state, so that the insureds have coverage still. That’s why bailouts aren’t needed – the mechanisms are ALREADY in place, for insolvent insurance companies.
That aig bailout, was a political ploy. Try this site to find the best life insurance
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Hope this help,