OLDWICK, N.J.–(BUSINESS WIRE)–A.M. Best has downgraded the Long-Term Issuer Credit Rating (Long-Term ICR) to “bbb” from “bbb+” and affirmed the Financial Strength Rating (FSR) of B++ (Good) of Affinity Mutual Insurance Company (AMIC) (Lima, OH). The outlook of the Long-Term ICR has been revised to stable from negative, while the FSR outlook remains stable. The ratings reflect AMIC’s balance sheet strength, which A.M. Best categorizes as very strong, as well as its marginal operating performan