Annuity Companies

The Comdex Score Resource Hub 2025

Last Updated: October 18, 2025
Jason Caudill, MBA

What is a Comdex Score (Rating)?

In this guide, I will introduce you to the Comdex Score which is a rating method that combines financial strength ratings from multiple rating agencies to generate a single numerical score for life insurance and annuity companies.

I’ll highlight the advantages and limitations of utilizing the Comdex score when conducting your due diligence in selecting an insurance company.

Comdex 85 (strong)

0 50 100

0–64: Low 65–84: Mid-tier 85+: Strong

What is a Comdex Score (Rating)?

Insurance Company	State	Comdex Score	AM Best Rating
Berkshire Hathaway Life of NE	NE	100	A++
Berkshire Life Ins Co of Amer	MA	100	A++
General Re Life Corporation	CT	100	A++
Guardian Ins & Ann Co	DE	100	A++
Guardian Life Ins Co of Amer	NY	100	A++
Life Ins Co of North America	PA	100	A++
New York Life Group Ins Co NY	NY	100	A++
New York Life Ins & Ann	DE	100	A++
New York Life Ins Co	NY	100	A++
Northwestern Long Term Care	WI	100	A++
Northwestern Mutual Life Ins	WI	100	A++
NYLIFE Ins Co of Arizona	AZ	100	A++
Teachers Ins & Ann Assn	NY	100	A++
Thrivent Finl for Lutherans	WI	100	A++
State Farm Life & Acc Assur Co	IL	99	A++
State Farm Life Ins Co	IL	99	A++
USAA Life Ins Co	TX	99	A++
USAA Life Ins Co of NY	NY	99	A++
Knights of Columbus	CT	98	A+
Ann Investors Life Ins Co	OH	98	A++
C.M. Life Ins Co	CT	98	A++
Massachusetts Mutual Life Ins	MA	98	A++
MML Bay State Life Ins Co	CT	98	A++
MassMutual Ascend Life Ins Co	OH	97	A++
TIAA-CREF Life Ins Co	NY	97	A++
Allianz Life Ins Co of NA	MN	96	A+
Allianz Life Ins of New York	NY	96	A+
Canada Life Assur Co USB	MI	96	A+
Empower Ann Ins Co	CT	96	A+
Empower Ann Ins Co of Amer	CO	96	A+
Empower Life & Ann of NY	NY	96	A+
Munich American Reassur Co	GA	96	A+
Sun Life & Health Ins Co US	MI	96	A+
Sun Life Assur of Canada USB	MI	96	A+
American United Life Ins Co	IN	95	A+
Aurora National Life Assur Co	MO	95	A+
Columbus Life Ins Co	OH	95	A+
Hannover Life Reassur Amer	FL	95	A+
Integrity Life Ins Co	OH	95	A+
Lafayette Life Ins Co	OH	95	A+
Minnesota Life Ins Co	MN	95	A+
National Integrity Life Ins Co	NY	95	A+
Securian Life Ins Co	MN	95	A+
State Life Ins Co	IN	95	A+
Swiss Re Life & Health America	MO	95	A+
West Coast Life Ins Co	NE	95	A+
Western & Southern Life Ins Co	OH	95	A+
Western-Southern Life Assur Co	OH	95	A+
John Hancock Life & Health Ins	MA	94	A+
John Hancock Life Ins Co (USA)	MI	94	A+
John Hancock Life Ins Co of NY	NY	94	A+
Metropolitan Life Ins Co	NY	94	A+
Metropolitan Tower Life Ins Co	NE	94	A+
Pacific Life & Ann Co	AZ	94	A+
Pacific Life Ins Co	NE	94	A+
Protective Life & Ann Ins	AL	94	A+
Pruco Life Ins Co	AZ	94	A+
Pruco Life Ins Co of NJ	NJ	94	A+
Prudential Ins Co of America	NJ	94	A+
Hartford Life & Acc Ins	CT	93	A+
PartnerRe Life Re Co of Amer	AR	93	A+
Penn Ins & Ann Co	DE	93	A+
Penn Ins & Ann Co of NY	NY	93	A+
Penn Mutual Life Ins Co	PA	93	A+
Primerica Life Ins Co	TN	93	A+
Amer Fam Life Assur Columbus	NE	92	A+
Protective Life Ins Co	NE	92	A+
UnitedHealthcare Ins Co	CT	92	A+
First Reliance Standard Life	NY	92	A++
HCC Life Ins Co	IN	92	A++
Banner Life Ins Co	MD	91	A+ w
William Penn Life Ins Co of NY	NY	91	A+ w
Reliance Standard Life Ins Co	IL	91	A++
American Life Ins Co	DE	91	NR
Amer Fam Life Assur Co of NY	NY	90	A+
Companion Life Ins Co	NY	90	A+
Empire Fidelity Investments Life	NY	90	A+
Fidelity Investments Life Ins	UT	90	A+
Life Ins Co of the Southwest	TX	90	A+
MONY Life Ins Co	NY	90	A+
Mutual of Omaha Ins Co	NE	90	A+
National Life Ins Co	VT	90	A+
Nationwide Life & Ann Ins	OH	90	A+
Nationwide Life Ins Co	OH	90	A+
Principal Life Ins Co	IA	90	A+
Principal National Life Ins Co	IA	90	A+
RGA Reins Co	MO	90	A+
RiverSource Life Ins Co	MN	90	A+
RiverSource Life Ins Co of NY	NY	90	A+
United of Omaha Life Ins Co	NE	90	A+
United World Life Ins Co	NE	90	A+
Athene Ann & Life Assur NY	NY	88	A+
Athene Ann & Life Co	IA	88	A+
Cincinnati Life Ins Co	OH	88	A+
Midland National Life Ins Co	IA	88	A+
North American Co for L&H Ins	IA	88	A+
Dearborn Life Ins Co	IL	87	A+
Dearborn Natl Life Ins of NY	NY	87	A+
Vantis Life Ins Co	DE	87	NR
Liberty National Life Ins Co	NE	84	A
American Income Life Ins Co	IN	83	A
Globe Life And Acc Ins Co	NE	83	A
United American Ins Co	NE	83	A
Texas Life Ins Co	TX	83	A+
Wilcac Life Ins Co	IL	83	A+
Wilton Reassur Co	MN	83	A+
Wilton Reassur Life of NY	NY	83	A+
Voya Retirement Ins & Ann Co	CT	83	NR
Equitable Finl Life Ins Co	NY	81	A
Equitable Finl Life of America	AZ	81	A
Modern Woodmen of America	IL	81	A
Standard Ins Co	OR	81	A
Transamerica Finl Life Ins Co	NY	81	A
Transamerica Life Ins Co	IA	81	A
American General Life Ins Co	TX	80	A
Lincoln Life & Ann Co NY	NY	80	A
Lincoln National Life Ins Co	IN	80	A
ReliaStar Life Ins Co	MN	80	A
ReliaStar Life Ins Co of NY	NY	80	A
SCOR Global Life Americas Re	DE	80	A
United States Life Ins in NY	NY	80	A
Variable Ann Life Ins Co	TX	80	A
Symetra Life Ins Co	IA	79	A
American Memorial Life Ins Co	IA	78	A
Ameritas Life Ins Corp.	NE	78	A
Ameritas Life Ins Corp. of NY	NY	78	A
CMFG Life Ins Co	IA	78	A
Connecticut General Life Ins	CT	78	A
MEMBERS Life Ins Co	IA	78	A
SCOR Global Life Re Co of DE	DE	78	A
SCOR Global Life USA Re Co	DE	78	A
AGC Life Ins Co	MO	77	A
American Family Life Ins Co	WI	77	A
Cigna Worldwide Ins Co	DE	77	A
Accordia Life & Ann Co	IA	76	A
Amer Bankers Life Assur Co FL	FL	76	A
Cigna Health & Life Ins Co	CT	76	A
Colonial Life & Acc Ins	SC	76	A
Commonwealth Ann & Life	MA	76	A
First Allmerica Financial Life	MA	76	A
First Penn-Pacific Life Ins Co	IN	76	A
First Unum Life Ins Co	NY	76	A
Forethought Life Ins Co	IN	76	A
Horace Mann Life Ins Co	IL	76	A
Paul Revere Life Ins Co	MA	76	A
Provident Life & Acc	TN	76	A
Unum Ins Co	ME	76	A
Unum Life Ins Co of Amer	ME	76	A
Amer Equity Invest Life Ins Co	IA	75	A
Amer Natl Life Ins Co of NY	NY	75	A
American National Ins Co	TX	75	A
Eagle Life Ins Co	IA	75	A
Amer Equity Invest Life of NY	NY	74	A
Bankers Conseco Life Ins Co	NY	74	A
Blue Shield of CA Life & Hlth	CA	74	A
Brighthouse Life Ins Co	DE	74	A
Brighthouse Life Ins Co of NY	NY	74	A
First Symetra Nat Life Ins NY	NY	74	A
Jackson National Life Ins Co	MI	74	A
Jackson Natl Life Ins Co of NY	NY	74	A
New England Life Ins Co	MA	74	A
Pacific Guardian Life Ins Co	HI	74	A
Pan-American Assur Co	LA	74	A
Pan-American Life Ins Co	LA	74	A
Provident Life & Casualty	TN	74	A
ShelterPoint Life Ins Co	NY	74	A
Aetna Life Ins Co	CT	73	A
Bankers Life & Casualty Co	IL	73	A
Colonial Penn Life Ins Co	PA	73	A
Washington National Ins Co	IN	73	A
AuguStar Life Assur Corp	OH	72	A
AuguStar Life Ins Co	OH	72	A
Fidelity & Guar Life Ins Co	IA	71	A
Fidelity & Guar Life Ins of NY	NY	71	A
Humana Ins Co of Kentucky	KY	71	A
Savings Bank Mutual Life of MA	MA	71	A
USAble Life	AR	71	A
Americo Finl Life & Ann	TX	70	A
Security Life of Denver Ins Co	CO	70	NR
Fortitude Life Ins & Ann	AZ	69	A
Health Net Life Ins Co	CA	69	NR
Everlake Life Ins Co	IL	68	A
National Western Life Ins Co	AZ	62	A- w
S.USA Life Ins Co	AZ	62	A- w
United Ins Co of America	IL	60	A-
Aspida Life Ins Co	MI	57	A-
Bankers Life Ins Co of LA	LA	57	A-
GCU	PA	57	A-
Guaranty Income Life Ins Co	IA	57	A-
Life of the South Ins Co	GA	57	A-
Mutual of America Life Ins Co	NY	57	A-
Southern Financial Life Ins Co	KY	57	A-
Talcott Resolution L&A Ins Co	CT	57	A-
Talcott Resolution Life Ins Co	CT	57	A-
United Heritage Life Ins Co	ID	57	A-
United Life Ins Co	IA	57	A-
SBLI USA Life Ins Co	NY	57	A- w
Shenandoah Life Ins Co	VA	57	A- w
Delaware Life Ins Co	DE	56	A-
First Security Benefit L&A NY	NY	56	A-
Reliable Life Ins Co	MO	56	A-
Security Benefit Life Ins Co	KS	56	A-
Union National Life Ins Co	LA	56	A-
EquiTrust Life Ins Co	AZ	52	B++
Baltimore Life Ins Co	MD	50	B++
CL Life & Ann Ins Co	UT	50	B++
Natl Security Life & Ann	NY	48	A-
Nassau Life & Ann Co	CT	48	B++
Nassau Life Ins Co	NY	48	B++
Lincoln Benefit Life Co	NE	40	B++
Union Security Ins Co	IA	40	B++
Investors Heritage Life Ins Co	KY	39	B++
Nassau Life Ins Co of Kansas	KS	39	B++
SILAC Ins Co	IN	32	B
Genworth Life & Ann Ins	VA	32	B-
Genworth Life Ins Co	DE	32	C++
Genworth Life Ins Co of NY	NY	32	C++

Comdex Ranking > and A.M. Best Rating >.

A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/ratings/notice.

My Annuity Store curates this data to be used as an education tool; however, we do not guarantee the correctness of this information. Data for Year-End 2024 from the life insurance companies’ statutory annual statements. This information represents only a few aspects of a company’s performance. All dollar amounts are in thousands. All ratings shown are current as of August 29, 2025.

The Comdex Rating Scale

The Comdex is not a rating from an individual rating agency but a composite of all the ratings an insurance company has received from the five main insurance company rating agencies.

There are five main insurance company rating agencies whose Insurance Company Ratings are widely accepted:

The Comdex score was created to take those ratings from A.M. Best, Moody’s, Fitch, and Standard & Poor’s and place them all on a level playing field. The idea here is to take a sort of ‘average’ number, then find out where the carrier ranks among the others based on that ‘average.’

In order to be assigned a Comdex Score, an insurance company must have a rating assigned by at least two of the five main rating agencies listed above. Before you choose a carrier, learn more about annuity company financial ratings.

A Composite Index Rating Scale

The Comdex Rating then puts each company into a single, 100-point scale. This method creates a percentile in which to place each company.

The higher the percentile, the higher the company’s overall rankings among the other private rating companies.

Many individuals shopping for an insurance product find it much easier to look at a score on a scale of 1-100 than to try to understand four different rating scales and their methodology.

Below is a sample insurance company financial chart that shows different ratings available from each of the five main rating agencies, and once lesser-known agencies (KBRA).

The Comdex Score takes all of these into account when creating a single Comdex Score from 1 to 100.

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The Comdex Score: Rating Insurers on a 100-Point Scale

The 100-point scale puts the credit rating scores in context as it allows you to see how a company compares to its competitors based on what percentile it falls into.

For Example, a Comdex Score of 85 means the insurer is in the top 15th percentile. Or another way of putting it – rated superior to 84 percent of insurance companies.

To be assigned a number, the Comdex Score first takes a complete count of all rated companies.

Next, each individual rating agency’s full list of carriers is counted and divided by how many carriers were in each category.

For example, if A.M. Best rated 100 carriers and only five were able to obtain the top rate, those five would be in the 100^th percentile. If another 20 got the second-highest score, they would be in the next percentile, and so on.

How is the Comdex Rating Calculated?

After the four agencies have their lists compiled, sorted, and calculated for carriers’ scores, the scores are then tallied up and averaged for the carriers.

He is a specific example:

Let’s say XYZ insurance company was in the 90^th percentile for A.M. Best, the 85^th percentile for Fitch and the 80^th percentile for Moody’s, the average of the three would be a Comdex score of 85 (90+85+80=255, 255/3=85).

While, once again, this cannot be the only number you can rely on, it does help to find what percentile a company is in with a somewhat fair amount of data.

Rather than trying to compile all the life insurance providers on your radar, comparing their scores across rating companies, then seeing how they stand up against their competitors, you can simply check the percentile in which each company falls.

Understanding Financial Profiles

EbixExchange

The Comdex score is only available in VitalSigns, a product of EbixExchange. If you’d like to review more company-specific information for Ebix, they are listed on the NASDAQ Global Market (ticker symbol – EBIX).

Ebix provides a complete suite of services with seamless data flow to insurance channels around the world. They have a long history of designing innovative solutions that have earmarked an era of excellence in the history of Ebix.

Committed to its endeavor to answer the ever-increasing needs of Insurance organizations all over the world; Ebix is a leading international supplier of on-demand infrastructure exchanges to the insurance, financial, and healthcare industries.

In the Insurance sector, the Company’s main focus is to develop and deploy a wide variety of insurance and reinsurance exchanges on an on-demand basis.

VitalSigns

VitalSigns provides carrier financials and ratings for a little over 500 insurance companies. VitalSigns quickly and reliably qualifies a carrier’s financial strength in a variety of easy-to-understand reports.

Reliable Data – VitalSigns uses yearly financials reported to the NAIC and ratings from the 5 leading rating services with a Comdex ranking to help interpret the ratings.

Time-Savings Features – VitalSigns aggregates all the ratings and financial data and creates a report showing a carrier’s financial strength. In addition, financial charts and tables provide a more in-depth look into the overall health of each insurance company.

You’ll find total assets & liabilities, invested asset distribution, non-performing assets, 5-year investment returns, and bond quality in addition to financial ratings from each of the major agencies.

Insurance companies are required to report annual statements to the government. This data is used to monitor the financial health of insurers and protect the interests of consumers.

VitalSigns provides this data, for 500 companies. These statements, filed in March, contain data for the previous year. VitalSigns releases new financials each spring.

Using these yearly financials reported to the NAIC and ratings from the five leading rating agencies, VitalSigns establishes a Comdex Score (or ranking) to help you interpret the ratings.

VitalSigns includes explanations for each rating and a chart that compares the ratings by each service.

An AM Best A+ is quite different from a Standard & Poor’s A+.

Comdex – Our exclusive composite index, Comdex, gives you a quick summary of a carrier’s ratings and shows you how they stack up.

Numerical Equivalent – A number in parenthesis next to each rating quickly tells you where that rating fits on the scale for that rating service. A+ (2) tells you this is the second-best rating for AM Best.

Rating Chart – A rating chart compares the ratings for each rating service, so you can quickly compare.

Comdex Ratings FAQs

Do Comdex scores change, and where can I find them?

Yes, scores can change when rating agencies update their assessments or when a carrier’s financials, outlook, or capitalization shift. You can often find current Comdex scores through industry tools, your licensed advisor, or company profiles.

If you’d like, I can help add live Comdex data to your carrier comparison pages and FAQ schema so shoppers see up-to-date information.

How is the Comdex score calculated?

VitalSigns (by Ebix) compiles a carrier’s current ratings from A.M. Best, S&P, Moody’s, and Fitch, converts each to a percentile, and then blends them into a single 1–100 index.

If a company is missing one or more agency ratings, Comdex can still be calculated using the available ratings, but the score may be less comprehensive.

What is considered a “good” Comdex score?

As a general rule of thumb:
- 90–100: Excellent
- 80–89: Strong
- 70–79: Good
- 60–69: Fair
- Below 60: Needs closer review
Many annuity shoppers prefer carriers with Comdex scores of 80+ for added stability, but other factors—product features, rate, guarantees, and service—also matter.

What is a comdex score?

The Comdex score is a 1–100 ranking that summarizes an insurance company’s financial strength based on ratings from major agencies (A.M. Best, S&P, Moody’s, and Fitch). It’s not a rating itself; it’s a percentile ranking that shows where a carrier stands compared to peers.

For example, a Comdex of 90 means the company ranks higher than 90% of rated insurers.

Continue Learning about Financial Ratings

Life Insurance Ratings Charts

State Guaranty Associtations

Best Rated Life Insurance Companies

Jason Caudill, MBA

Jason Caudill is President of My Annuity Store, Inc. who's mission is to make buying an annuity easy and enjoyable. He has distributed more than $1 Billion of annuities during his 20 year career. Jason's work has been cited in Investopedia, Yahoo Finance, Think Advisor, MarketWatch, PocketSense, Due, Wikipedia, and Benzinga.