How we review and rate insurance carriers

Every carrier review on ClearValue Lending is grounded in named third-party data sources: J.D. Power annual studies, A.M. Best financial strength ratings, NAIC complaint ratios, and official carrier disclosures. Ratings are editorial opinions — applied consistently, independent of compensation, and tied to publicly verifiable sources.

Not insurance advice. ClearValue Lending is not a licensed insurance agent, broker, or advisor. Obtain official quotes and policy details directly from the carrier or a licensed insurance professional.

Data sources

• J.D. Power Annual Studies — customer satisfaction (auto, home, renters, life)
• A.M. Best Financial Strength Ratings — carrier ability to pay claims (ambest.com)
• NAIC Complaint Index — complaints per million premium dollars (naic.org/cis)
• Insurance Information Institute (III) — category-level benchmarks (iii.org)
• Carrier public disclosures — official policy pages and rate filings

Ratings are editorial opinions independent of compensation. Some links are affiliate links — carriers may pay us a referral commission at no cost to you; this does not affect scores or rankings.