CSO is a mutually owned insurance company with a solid history of successful business practice.  CSO possesses an exceptionally strong financial base and in 2020, CSO and its subsidiaries, Censtat Life Assurance Company and Censtat Casualty Company, were assigned an A.M. Best Financial Strength credit rating of A- (Excellent)*.  CSO has a diversified product portfolio with a common focus to serve its accounts, policyholders and agents with the highest level of service. *A.M. Best’s Financial Strength Rating is an independent opinion of an insurer’s financial strength and ability to meet ongoing obligations to policyholders.  For the latest rating, access www.ambest.com