OLDWICK, N.J.–(BUSINESS WIRE)–A.M. Best has revised the outlooks to negative from stable and affirmed the Financial Strength Rating (FSR) of A (Excellent) and the Long-Term Issuer Credit Rating (Long-Term ICR) of “a” of National Lloyds Insurance Company (National Lloyds). Concurrently, A.M. Best has revised the outlooks to negative from stable and affirmed the FSR of A (Excellent) and the Long-Term ICR of “a” of American Summit Insurance Company (American Summit), National Lloyds’ affiliate.