Stronghold Insurance Celebrates 66 Years of Excellence with Prestigious AM

Best Credit Ratings

MAKATI, PHILIPPINES – March 20, 2026 – As Stronghold Insurance Company, Inc.

prepares to celebrate its 66th anniversary this March 21, the company is marking the

milestone with a significant international validation of its financial health. AM Best, the

world’s leading insurance rating agency, has assigned Stronghold a Philippines National

Scale Rating of a.PH (Excellent), reflecting the company’s robust capital position and its

remarkable ascent within the industry.

The rating announcement serves as a crowning achievement for a journey that began

on March 21, 1960. Starting as a small local firm, Stronghold has evolved over six and a

half decades into a dominant force in the Philippine insurance landscape. By 2025, the

company’s strategic growth propelled it into the Top 5 non-life insurers in the country, a

testament to its enduring stability and vision.

A Legacy of Strength

In its assessment, AM Best highlighted Stronghold’s balance sheet strength as "strong,"

supported by risk-adjusted capitalization that is expected to remain at high levels over

the medium term. This financial foundation is the result of 66 years of disciplined

earnings retention and a conservative investment strategy primarily focused on

Philippine government bonds and liquid assets.

"This 'Excellent' National Scale Rating from AM Best is the perfect gift for our 66th

anniversary," said the leadership at Stronghold. "It validates the journey we began in

1960—transforming from a modest operation into a Top 5 industry leader. Our 'Strong'

balance sheet and 'Stable' outlook are promises kept to our policyholders who have

trusted us for generations."

Operational Excellence and Future Vision

AM Best’s report also recognized Stronghold’s consistent operating performance, noting

steady improvements in combined ratios and a diversified underwriting portfolio led by

Fire, Surety, and Motor lines. The agency underscored that Stronghold’s operating

earnings remain positive, bolstered by consistent underwriting results and stable

investment income.

As Stronghold enters its 66th year, the company remains committed to its trajectory of

market leadership. With a market share that continues to expand—driven by significant

growth in large-scale fire insurance policies—Stronghold is well-positioned to navigate

the evolving risks of the Philippine market while maintaining the "Excellent" standards

validated by AM Best.

About Stronghold Insurance Company, Inc.

Founded on March 21, 1960, Stronghold Insurance Company, Inc. is a leading non-life

insurance provider in the Philippines. Over 66 years, it has grown from a boutique firm

into one of the nation's Top 5 insurers, providing comprehensive protection through Fire,

Motor, Marine, Surety, and Miscellaneous Casualty insurance.

About AM Best

AM Best is a global credit rating agency, news publisher, and data analytics provider

specializing in the insurance industry. Headquartered in the United States, the company

does business in over 100 countries.