A.M. Best Affirms Ratings of RTW, Inc. and RTW Group

  
    
  
  
    
      A.M. Best Co. has affirmed the financial strength ratings (FSR) 
      of B++ (Good) and the issuer credit ratings of “bbb+” 
      of RTW Group and its members, which consist of American 
      Compensation Insurance Company (ACIC) and Bloomington 
      Compensation Insurance Company (BCIC), a reinsured wholly owned 
      subsidiary of ACIC. ACIC and BCIC operate as subsidiaries of RTW, Inc. 
      [NASDAQ:RTWI]. 
      A.M. Best has also affirmed the ICR of “bb+” 
      of RTW, Inc. The outlook for all ratings is positive. All companies are 
      domiciled in Bloomington, MN.
    
    
      The ratings reflect RTW Group’s strong 
      capitalization, focus on integrated absence management and solid 
      underwriting performance. Since December 2001, the group closed 
      unprofitable regions, reduced premiums in force, improved pricing and 
      refocused on its specific underwriting niche and intense claims and case 
      management.
    
    
      The outlook reflects the group’s strong 
      operating performance through focused underwriting and claims management 
      initiatives, which have contributed to organic growth in surplus 
      totaling $27.0 million during the group’s 
      recent five year period.
    
    
      Offsetting these positive rating factors are the slight deterioration in 
      underwriting performance in 2006 resulting in an underwriting loss and 
      the declining level of reserve redundancies.
    
    
      For Best’s Ratings, an overview of the rating 
      process and rating methodologies, please visit www.ambest.com/ratings.
    
    
      Founded in 1899, A.M. Best Company is a full-service credit rating 
      organization dedicated to serving the financial services industries, 
      including the banking and insurance sectors. For more information, visit www.ambest.com.