Best Meridian

Best Meridian Insurance Company is a Florida-domiciled insurer whose history includes multiple name changes and a long life-and-health lineage. A Florida Office of Insurance Regulation examination report notes that the company was incorporated in 1967 and later changed names, including a 2015 change to Best Meridian Insurance Company.[1] That kind of corporate evolution is common among smaller insurers as ownership, strategy, and product emphasis shift over time.

Regulatory examination materials also highlight how the company uses reinsurance in its business model.[1] In life and health insurance, reinsurance can be central when a company focuses on specific blocks, specialized underwriting, or balance-sheet optimization, because it allows risk to be shared and capital to be managed more efficiently. Best Meridian's reported operations include assumed and ceded reinsurance activity, reinforcing that it has functioned as more than just a direct-writer of retail policies.[1]

Economic cycles matter here: inflation, interest-rate volatility, and medical-cost trends can stress long-duration liabilities. The carriers that persist tend to stay disciplined on assumptions and keep governance and reporting strong enough to satisfy regulators and counterparties. Best Meridian's story is therefore as much about structure and risk transfer as it is about branding.

Sources: [1] Florida Office of Insurance Regulation - Examination Report (Best Meridian Insurance Company; incorporation, name changes, and reinsurance operations): https://floir.com/siteDocuments/BestMeridianIC_2019ExamReport.pdf. [2] AM Best - Company profile (Best Meridian Insurance Company, NAIC 63886): https://ratings.ambest.com/CompanyProfile.aspx?ambnum=63886.