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When approached with an offer of insurance of any kind, consumers are advised first to find out whether the insurer is licensed to operate in their state. The Bureau also advises comparision shopping in regard to price and policy provisions and exclusions. Policy holders may wish to seek professional advice before changing to another insurance program. Finally, consumers should carefully study any policy before signing. You may also wish to check one of the major insurance rating services to check out the safety of a company before signing. The recognized services are: A M BEST, STANDARD AND POOR'S and MOODY'S. For information on how to contact these services to obtain their ratings, request the Bureau's general information comment, entitled Insurance Ratings Services. The Minnesota Insurance Information Center may also have available some ratings information. It can be reached at: (763)657-8690 or Toll-free (MINNESOTA ONLY) 1-800-642-6121. Address 400 Robert St. N. Ste. 208 St Paul,MN 55101-2002

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