There are three organizations that rate corporate bonds: Fitch
Investors Service, Moody's Investors Service, and Standard and
Poor's Corporation (S and P).
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The purpose of Moody's ratings is to provide investors with a
simple system of gradation by which future relative
creditworthiness of securities may be gauged.
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There are a couple of companies in New Jersey that support
disability. The best one is the Mutual of Omaha. They have very
good ratings from organizations such as the AM Best Company,
Moody's Investors Service, and Standard & Poor's.