Why Foremost Uses Insurance Scoring
Like many insurance companies, Foremost considers a customer's credit-based insurance score in underwriting and rating policies in some of our programs, in states where allowed.

The reason we do this is because statistical studies show there is a direct link between credit history and loss potential. These studies show that consumers with better insurance scores generally file fewer claims and have fewer insurance losses.

For these reasons, using credit-based insurance scores allows companies to determine accurate and appropriate policy premiums as well as offer coverage to a broader range of customers. Most customers benefit from lower premiums when they have a good credit-based insurance score.

Helpful Links
For further information on this topic, you may want to visit the following sites:

• Property Casualty Insurers Association of America
• Insurance Information Institute
• Choice Trust by ChoicePoint
• Fair Isaac Consumer Education Web site