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The A.M. Best Company - the leading provider of insurer ratings of a company's strength and ability to meet its obligations to policyholders - has given Celtic an "A-" (Excellent) rating. A.M. Best assigned this rating after a thorough quantitative and qualitative evaluation of a company's financial condition and operating performance. For more than 15 years, Celtic has earned a rating of Excellent for consistently demonstrating profitable operating results, high-quality investment portfolio and favorable capital position. Celtic holds no junk bonds, real estate or direct mortgage loans and maintains no outstanding debt.