L-H Affirmations rise, upgrades outnumber downgrades for 2020

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      <subfield code="a">Despite the uncertainties and challenges generated by the COVID-19 pandemic, the percentage of rating affirmations for the life/annuity and health segments increased in 2020 compared to 2019, while the "under review" and "downgrade" categories saw a decrease (Exhibits la a nd l b). Generally, the positive movement was driven by improved levels of risk-adjusted capitalization for both life/annuity and health carriers.Rating upgrades in 2020 continued the trend from the year prior, outnumbering downgrades for the US life/health industry overall, but by a greater margin than in 2019.</subfield>
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