SCOR is an independent reinsurer of global scope, with the ambition to develop its Life & P&C business lines, to provide its clients with value-added solutions and to pursue an underwriting policy based on profitability through management effective risk management and a prudent investment strategy. SCOR thus offers its clients an optimal level of security, as confirmed by its rating of AA- assigned by the rating agencies S&P and Fitch, and of Aa3 assigned by Moody's, and creates value for its shareholders.