Reliable Data
VitalSigns uses yearly financials reported to the NAIC and ratings from the 5 leading ratings services with a Comdex ranking helps interpret the ratings.

Year-End Financial Data
Each year, insurance companies are required to report annual statements to the government. This data is used to monitor the financial health of insurers and protect the interests of consumers. VitalSigns provides this data, for 500 companies.
These statements, filed in March, contain data for the previous year. VitalSigns releases new financials each spring.

Ratings
Independent ratings services do in-depth research evaluating carriers based on a variety of financial and operating criteria. VitalSigns uses the top ratings services - A.M. Best, Standard & Poor's, Moody's, Fitch, and Weiss. VitalSigns updates ratings twice monthly.
VitalSigns Help includes explanations for each rating and a chart that compares the ratings by each service. An AM Best A+ is very different from a Standard & Poor's A+.

The Comdex
The Comdex is not a rating, but a composite of all the ratings a company has received. It ranks companies on a scale of 1 to 100, showing you at a glance where a company is ranked among all rated insurers. The Comdex is only available in VitalSigns.

Time-Savings Feature
VitalSigns aggregates all the ratings and financial data and creates a report showing a carrier's financial strength - saving you time and creating more sales.

Choosing the Right Carrier is Easy
A life insurance policy is only as good as the carrier behind it. VitalSigns makes it quick and easy to show your client you've researched the carrier you're recommending.

Easy as 1,2,3 - Just choose the carrier, choose a few options and view your report. All the work of collecting the data and ratings, keeping them current and turning them into sales presentations has been done for you.

Shortcuts/Aids

• Comdex - Our exclusive composite index, the Comdex, gives you a quick summary of a carrier's ratings and shows you how they stack up.
• Numerical Equivalent - A number in parenthesis next to each rating quickly tells you where that rating fits on the scale for that rating service. A+ (2) tells you this is the second best rating for AM Best.
• Ratings Chart - A ratings chart compares the ratings for each rating service, so you can quickly compare.
• Glossary - A printable glossary defines each insurance term.

A Variety of Report Types
VitalSigns offers a variety of reports for all levels of users making it powerful enough for you and simple enough for your client. Reports are formatted as side-by-side ledgers, graphs and lists. A Glossary report is also available to include with each report package.

Compare Carriers - Compare up to 8 carriers. Includes Profile and Analysis.

• Profile - Single-page report. Side-by-side comparison of up to 8 carriers. Includes ratings, Comdex and basic financial data. View Sample Report.
• Analysis - Four-page report. In-depth, side-by-side comparison of up to 8 carriers. Includes ratings, Comdex and extensive financial data. View Sample Report.

Focus on One Carrier - Take a closer look at the ratings and/or financials for one carrier. Includes Company Snapshot and Ratings.

• Company Snapshot - Single-page report. Quick look at one company using both text and graphs. Includes ratings, Comdex and basic financial data. View Sample Report.

• Ratings Report - Single-page report. Defines each rating for one carrier. Uses the narratives written by the ratings services, so you see AM Best's definition of an A+. View Sample Report.

Focus on Financial Criteria - Sort the entire VitalSigns company list by one criteria. Includes Custom Sort and Company Selector or show that data graphically with the Single or Multiple Company Graphs.

• Custom Sort - Multiple-page report. Sort the whole database of carriers to see how companies stack-up. Choose from 50 sort categories. View Sample Report.
• Company Selector - Multiple-page report. Create a list of companies based on a set of criteria you create. You may want a list of all the companies with an S&P rating of AA and assets greater than 300 million. View Sample Report.
• Single Company Graph - Single-page report. Graphically Illustrate one financial criteria for one company. View Sample Report.
• Multiple Company Graph - Single-page report. Graphically Illustrate financial data for one or several companies. View Sample Report.