OLDWICK, N.J.–(BUSINESS WIRE)–A.M. Best has downgraded the Financial Strength Rating to B- (Fair) from B (Fair) and the Long-Term Issuer Credit Rating to “bb-” from “bb” of Golden Insurance Company, A Risk Retention Group (Golden) (Incline Village, NV). Concurrently, A.M. Best has placed the Credit Ratings (ratings) under review with negative implications. The rating downgrades are due to the receipt of third-quarter financial statements, which account for revised premium earning patterns pre