Financial Ratings

AM Best Rating

Church Mutual holds an "A (Excellent)" rating, with a "stable outlook," from AM Best Company. Our financial size class is X, meaning our policyholder surplus is between $500 million and $750 million.

The rating reflects Church Mutual's strong capitalization, prominent position in the religious institutional marketplace and management's extensive knowledge of this specialty niche market. The company also benefits from its low-cost, countrywide direct distribution system and geographic diversification throughout the United States.

The rating is assigned after an extensive quantitative and qualitative evaluation of Church Mutual's financial condition and operating performance.

On March 15, 2024, AM Best put Church Mutual Under Review (with negative implications).

Copies of Best's full rating reports are available in some larger libraries. Information may also be obtained directly from AM Best, but there is a charge. Contact AM Best Company's customer service department at (908) 439-2200, Extension 4627, to request rating information about Church Mutual or other insurance companies you might be considering.


The Church Mutual Family of Companies

Company Name

A.M. Best Rating as of March 15, 2024

Church Mutual Insurance Company, S.I.


CM Regent Insurance Company


CM Vantage Specialty Insurance Company



A.M. Best's active company rating scale ranges from A++ (Superior) to D (Poor).

A.M. Best's Financial Strength Rating (FSR) is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations. An FSR is not assigned to specific insurance policies or contracts and does not address any other risk, including, but not limited to, an insurer's claims-payment policies or procedures the ability of the insurer to dispute or deny claims payment on grounds of misrepresentation or fraud or any specific liability contractually borne by the policy or contract holder. An FSR is not a recommendation to purchase, hold or terminate any insurance policy, contract or any other financial obligation issued by an insurer, nor does it address the suitability of any particular policy or contract for a specific purpose or purchaser.

Although the formal rating process typically occurs once a year, rating modifications can be made at any time. For additional information and the latest ratings, please see

This information is intended for general information purposes only and is made available on an "as is" basis, without warranty of any kind. The Church Mutual Family of Companies does not assume any obligation to update any information herein or remove any information that is no longer accurate or complete. Furthermore, the Church Mutual Family of Companies does not assume any liability to any person or organization for loss of damage caused by or resulting from any reliance placed on that content.

Join the Conversation! Facebook LinkedIn Youtube Instagram

Church Mutual Insurance Company, S.I. (a stock insurer)
P.O. Box 357 | 3000 Schuster Lane | Merrill, WI 54452-0357
Telephone (800) 554-2642 or (715) 536-5577

© 2024 Church Mutual Insurance Company, S.I. All rights reserved. Protecting the Greater Good is a registered trademark of Church Mutual Insurance Company, S.I.

Church Mutual is a stock insurer whose policyholders are members of the parent mutual holding company formed on 1/1/20. S.I. = a stock insurer.