Ward's 50
SM Certification Methodology
Life-Health Ward's 50
Criteria for Selection
Safety and Consistency Tests
Five years of history
Write traditional life, annuities, accident & health business
Average surplus of at least $50 million
Adjusted net income in at least 4 of the last 5 years
Risk-based capital ratio of at least 150%
Compound annual growth in premiums between -10% and +40%
Performance Tests
Five year average Return on Average Equity
Five year average Return on Average Assets
Five year average Return on Total Revenue
Ward Group evaluation of company operations
Companies are ranked in each of the above performance measurement areas
Property-Casualty Ward's 50
Criteria for Selection
Safety and Consistency Tests
Five years of history
Average surplus and premiums of at least $50 million
Adjusted net income in at least 4 of the last 5 years
Risk-based capital ratio of at least 100%
Compound annual growth in premiums between -10% and +40%
Performance Tests
Five year average Return on Average Equity
Five year average Return on Average Assets
Five year average Return on Total Revenue
Ward Group evaluation of company operations
Companies are ranked in each of the above performance measurement areas
