TL;DR: What Is a Comdex Score?
A Comdex Score is a 1-to-100 composite ranking of an insurance company’s financial strength, where 100 is the highest. It averages percentile rankings from the major rating agencies (A.M. Best, S&P, Moody’s, and Fitch) into one number that shows how a carrier compares to its peers. A higher score means greater financial stability to meet long-term obligations.
- Scale: A score of 90 means the insurer is in the top 10%, performing better than 90% of all rated companies.
- Purpose: Consolidates different rating scales from multiple agencies into one easy comparison.
- Requirement: A carrier must be rated by at least two independent rating agencies to receive a Comdex score.
- Common high scorers: New York Life, Northwestern Mutual, USAA, MassMutual, and TIAA all carry Comdex scores near 100, backed by A.M. Best A++ ratings.
- How to read it: 80 to 100 signals superior financial strength; below 70 warrants extra scrutiny for retirement assets.
- Updates: Comdex scores change with each new financial statement and rating agency report.
Comdex Scores 2026
The table below ranks 211 annuity companies by Comdex Score, with each company’s A.M. Best rating. All ratings shown are from VitalSigns, current as of July 15, 2026.
| Rank | Company Name | Comdex Score | A.M. Best |
|---|---|---|---|
| 1 | Berkshire Hathaway Life of NE | 100 | A++ (1) |
| 2 | Berkshire Life Ins Co of Amer | 100 | A++ (1) |
| 3 | General Re Life Corporation | 100 | A++ (1) |
| 4 | Guardian Ins & Ann Co | 100 | A++ (1) |
| 5 | Guardian Life Ins Co of Amer | 100 | A++ (1) |
| 6 | Life Ins Co of North America | 100 | A++ (1) |
| 7 | New York Life Group Ins Co NY | 100 | A++ (1) |
| 8 | New York Life Ins & Ann | 100 | A++ (1) |
| 9 | New York Life Ins Co | 100 | A++ (1) |
| 10 | Northwestern Long Term Care | 100 | A++ (1) |
| 11 | Northwestern Mutual Life Ins | 100 | A++ (1) |
| 12 | NYLIFE Ins Co of Arizona | 100 | A++ (1) |
| 13 | Park Avenue Life Ins Co | 100 | A++ (1) |
| 14 | Teachers Ins & Ann Assn | 100 | A++ (1) |
| 15 | Thrivent Finl for Lutherans | 100 | A++ (1) |
| 16 | USAA Life Ins Co | 99 | A++ (1) |
| 17 | USAA Life Ins Co of NY | 99 | A++ (1) |
| 18 | Ann Investors Life Ins Co | 98 | A++ (1) |
| 19 | C.M. Life Ins Co | 98 | A++ (1) |
| 20 | Massachusetts Mutual Life Ins | 98 | A++ (1) |
| 21 | MML Bay State Life Ins Co | 98 | A++ (1) |
| 22 | Knights of Columbus | 98 | A+ (2) |
| 23 | State Farm Life & Acc Assur Co | 98 | A+ (2) |
| 24 | State Farm Life Ins Co | 98 | A+ (2) |
| 25 | MassMutual Ascend Life Ins Co | 97 | A++ (1) |
| 26 | Allianz Life Ins of New York | 97 | A+ (2) |
| 27 | Munich American Reassur Co | 97 | A+ (2) |
| 28 | Sun Life & Health Ins Co US | 97 | A+ (2) |
| 29 | Allianz Life Ins Co of NA | 96 | A+ (2) |
| 30 | Canada Life Assur Co USB | 96 | A+ (2) |
| 31 | Empower Ann Ins Co | 96 | A+ (2) |
| 32 | Empower Ann Ins Co of Amer | 96 | A+ (2) |
| 33 | Empower Life & Ann of NY | 96 | A+ (2) |
| 34 | Sun Life Assur of Canada USB | 96 | A+ (2) |
| 35 | American United Life Ins Co | 95 | A+ (2) |
| 36 | Aurora National Life Assur Co | 95 | A+ (2) |
| 37 | Columbus Life Ins Co | 95 | A+ (2) |
| 38 | Hannover Life Reassur Amer | 95 | A+ (2) |
| 39 | Integrity Life Ins Co | 95 | A+ (2) |
| 40 | John Hancock Life & Health Ins | 95 | A+ (2) |
| 41 | John Hancock Life Ins Co (USA) | 95 | A+ (2) |
| 42 | John Hancock Life Ins Co of NY | 95 | A+ (2) |
| 43 | Lafayette Life Ins Co | 95 | A+ (2) |
| 44 | Minnesota Life Ins Co | 95 | A+ (2) |
| 45 | National Integrity Life Ins Co | 95 | A+ (2) |
| 46 | Securian Life Ins Co | 95 | A+ (2) |
| 47 | State Life Ins Co | 95 | A+ (2) |
| 48 | Swiss Re Life & Health America | 95 | A+ (2) |
| 49 | Western & Southern Life Ins Co | 95 | A+ (2) |
| 50 | Western-Southern Life Assur Co | 95 | A+ (2) |
| 51 | Metropolitan Life Ins Co | 94 | A+ (2) |
| 52 | Metropolitan Tower Life Ins Co | 94 | A+ (2) |
| 53 | Pacific Life & Ann Co | 94 | A+ (2) |
| 54 | Pacific Life Ins Co | 94 | A+ (2) |
| 55 | Protective Life & Ann Ins | 94 | A+ (2) |
| 56 | Protective Life Ins Co | 94 | A+ (2) |
| 57 | Pruco Life Ins Co | 94 | A+ (2) |
| 58 | Pruco Life Ins Co of NJ | 94 | A+ (2) |
| 59 | Prudential Ins Co of America | 94 | A+ (2) |
| 60 | First Reliance Standard Life | 93 | A++ (1) |
| 61 | Penn Ins & Ann Co | 93 | A+ (2) |
| 62 | Penn Ins & Ann Co of NY | 93 | A+ (2) |
| 63 | Penn Mutual Life Ins Co | 93 | A+ (2) |
| 64 | HCC Life Ins Co | 92 | A++ (1) |
| 65 | Amer Fam Life Assur Columbus | 92 | A+ (2) |
| 66 | Hartford Life & Acc Ins | 92 | A+ (2) |
| 67 | Primerica Life Ins Co | 92 | A+ (2) |
| 68 | Reliance Standard Life Ins Co | 91 | A++ (1) |
| 69 | Amer Fam Life Assur Co of NY | 91 | A+ (2) |
| 70 | Cincinnati Life Ins Co | 91 | A+ (2) |
| 71 | Companion Life Ins Co | 91 | A+ (2) |
| 72 | Empire Fidelity Investments Life | 91 | A+ (2) |
| 73 | Fidelity Investments Life Ins | 91 | A+ (2) |
| 74 | United World Life Ins Co | 91 | A+ (2) |
| 75 | MONY Life Ins Co | 90 | A+ (2) |
| 76 | Principal Life Ins Co | 90 | A+ (2) |
| 77 | Principal National Life Ins Co | 90 | A+ (2) |
| 78 | RGA Reins Co | 90 | A+ (2) |
| 79 | Life Ins Co of the Southwest | 89 | A+ (2) |
| 80 | Mutual of Omaha Ins Co | 89 | A+ (2) |
| 81 | National Life Ins Co | 89 | A+ (2) |
| 82 | Nationwide Life & Ann Ins | 89 | A+ (2) |
| 83 | Nationwide Life Ins Co | 89 | A+ (2) |
| 84 | PartnerRe Life Re Co of Amer | 89 | A+ (2) |
| 85 | RiverSource Life Ins Co | 89 | A+ (2) |
| 86 | RiverSource Life Ins Co of NY | 89 | A+ (2) |
| 87 | United of Omaha Life Ins Co | 89 | A+ (2) |
| 88 | Athene Ann & Life Assur NY | 88 | A+ (2) |
| 89 | Athene Ann & Life Co | 88 | A+ (2) |
| 90 | Midland National Life Ins Co | 88 | A+ (2) |
| 91 | North American Co for L&H Ins | 88 | A+ (2) |
| 92 | American Income Life Ins Co | 88 | A (3) |
| 93 | Globe Life And Acc Ins Co | 88 | A (3) |
| 94 | Liberty National Life Ins Co | 88 | A (3) |
| 95 | United American Ins Co | 88 | A (3) |
| 96 | UnitedHealthcare Ins Co | 88 | A (3) |
| 97 | Dearborn Life Ins Co | 86 | A+ (2) |
| 98 | Dearborn Natl Life Ins of NY | 86 | A+ (2) |
| 99 | Modern Woodmen of America | 85 | A (3) |
| 100 | Equitable Finl Life Ins Co | 84 | A (3) |
| 101 | Equitable Finl Life of America | 84 | A (3) |
| 102 | Standard Ins Co | 84 | A (3) |
| 103 | Transamerica Finl Life Ins Co | 84 | A (3) |
| 104 | Transamerica Life Ins Co | 84 | A (3) |
| 105 | Texas Life Ins Co | 83 | A+ (2) |
| 106 | Wilcac Life Ins Co | 83 | A+ (2) |
| 107 | Wilton Re Life Co of New York | 83 | A+ (2) |
| 108 | Wilton Reassur Co | 83 | A+ (2) |
| 109 | SCOR Global Life Americas Re | 83 | A (3) |
| 110 | American General Life Ins Co | 82 | A (3) |
| 111 | American Memorial Life Ins Co | 82 | A (3) |
| 112 | Ameritas Life Ins Corp. | 82 | A (3) |
| 113 | Ameritas Life Ins Corp. of NY | 82 | A (3) |
| 114 | Lincoln Life & Ann Co NY | 82 | A (3) |
| 115 | Lincoln National Life Ins Co | 82 | A (3) |
| 116 | ReliaStar Life Ins Co | 82 | A (3) |
| 117 | ReliaStar Life Ins Co of NY | 82 | A (3) |
| 118 | SCOR Global Life Re Co of DE | 82 | A (3) |
| 119 | SCOR Global Life USA Re Co | 82 | A (3) |
| 120 | United States Life Ins in NY | 82 | A (3) |
| 121 | Variable Ann Life Ins Co | 82 | A (3) |
| 122 | AGC Life Ins Co | 81 | A (3) |
| 123 | American Family Life Ins Co | 81 | A (3) |
| 124 | Cigna Worldwide Ins Co | 81 | A (3) |
| 125 | CMFG Life Ins Co | 81 | A (3) |
| 126 | MEMBERS Life Ins Co | 81 | A (3) |
| 127 | Symetra Life Ins Co | 81 | A (3) |
| 128 | Banner Life Ins Co | 80 | A (3) |
| 129 | William Penn Life Ins Co of NY | 80 | A (3) |
| 130 | Connecticut General Life Ins | 79 | A (3) |
| 131 | Accordia Life & Ann Co | 78 | A (3) |
| 132 | Amer Bankers Life Assur Co FL | 78 | A (3) |
| 133 | Amer Equity Invest Life Ins Co | 78 | A (3) |
| 134 | Amer Equity Invest Life of NY | 78 | A (3) |
| 135 | Amer Natl Life Ins Co of NY | 78 | A (3) |
| 136 | American National Ins Co | 78 | A (3) |
| 137 | Blue Shield of CA Life & Hlth | 78 | A (3) |
| 138 | Brighthouse Life Ins Co of NY | 78 | A (3) |
| 139 | Colonial Life & Acc Ins | 78 | A (3) |
| 140 | Commonwealth Ann & Life | 78 | A (3) |
| 141 | Eagle Life Ins Co | 78 | A (3) |
| 142 | First Allmerica Financial Life | 78 | A (3) |
| 143 | First Penn-Pacific Life Ins Co | 78 | A (3) |
| 144 | First Symetra Nat Life Ins NY | 78 | A (3) |
| 145 | First Unum Life Ins Co | 78 | A (3) |
| 146 | Forethought Life Ins Co | 78 | A (3) |
| 147 | Horace Mann Life Ins Co | 78 | A (3) |
| 148 | Pacific Guardian Life Ins Co | 78 | A (3) |
| 149 | Pan-American Assur Co | 78 | A (3) |
| 150 | Pan-American Life Ins Co | 78 | A (3) |
| 151 | Paul Revere Life Ins Co | 78 | A (3) |
| 152 | Provident Life & Acc | 78 | A (3) |
| 153 | Provident Life & Casualty | 78 | A (3) |
| 154 | ShelterPoint Life Ins Co | 78 | A (3) |
| 155 | Unum Ins Co | 78 | A (3) |
| 156 | Unum Life Ins Co of Amer | 78 | A (3) |
| 157 | Bankers Conseco Life Ins Co | 76 | A (3) |
| 158 | Jackson National Life Ins Co | 76 | A (3) |
| 159 | Jackson Natl Life Ins Co of NY | 76 | A (3) |
| 160 | Fortitude Life Ins & Ann | 75 | A (3) |
| 161 | Humana Ins Co of Kentucky | 75 | A (3) |
| 162 | Savings Bank Mutual Life of MA | 75 | A (3) |
| 163 | USAble Life | 75 | A (3) |
| 164 | Aetna Life Ins Co | 74 | A (3) |
| 165 | Americo Finl Life & Ann | 74 | A (3) |
| 166 | AuguStar Life Ins Co | 74 | A (3) |
| 167 | Bankers Life & Casualty Co | 74 | A (3) |
| 168 | Brighthouse Life Ins Co | 74 | A (3) |
| 169 | Colonial Penn Life Ins Co | 74 | A (3) |
| 170 | Fidelity & Guar Life Ins of NY | 74 | A (3) |
| 171 | New England Life Ins Co | 74 | A (3) |
| 172 | Washington National Ins Co | 74 | A (3) |
| 173 | Fidelity & Guar Life Ins Co | 73 | A (3) |
| 174 | Everlake Life Ins Co | 72 | A (3) |
| 175 | National Western Life Ins Co | 61 | A- (4) |
| 176 | S.USA Life Ins Co | 61 | A- (4) |
| 177 | United Ins Co of America | 59 | A- (4) |
| 178 | Talcott Resolution L&A Ins Co | 57 | A- (4) |
| 179 | Talcott Resolution Life Ins Co | 57 | A- (4) |
| 180 | Aspida Life Ins Co | 56 | A- (4) |
| 181 | Bankers Life Ins Co of LA | 56 | A- (4) |
| 182 | Delaware Life Ins Co | 56 | A- (4) |
| 183 | First Security Benefit L&A NY | 56 | A- (4) |
| 184 | GCU | 56 | A- (4) |
| 185 | Guaranty Income Life Ins Co | 56 | A- (4) |
| 186 | Life of the South Ins Co | 56 | A- (4) |
| 187 | Reliable Life Ins Co | 56 | A- (4) |
| 188 | SBLI USA Life Ins Co Inc. | 56 | A- (4) |
| 189 | Security Benefit Life Ins Co | 56 | A- (4) |
| 190 | Shenandoah Life Ins Co | 56 | A- (4) |
| 191 | Southern Financial Life Ins Co | 56 | A- (4) |
| 192 | Union National Life Ins Co | 56 | A- (4) |
| 193 | United Heritage Life Ins Co | 56 | A- (4) |
| 194 | United Life Ins Co | 56 | A- (4) |
| 195 | Mutual of America Life Ins Co | 55 | A- (4) |
| 196 | EquiTrust Life Ins Co | 52 | B++ (5) |
| 197 | Baltimore Life Ins Co | 49 | B++ (5) |
| 198 | Catholic Order of Foresters | 49 | B++ (5) |
| 199 | CL Life & Ann Ins Co | 49 | B++ (5) |
| 200 | Natl Security Life & Ann | 48 | A- (4) |
| 201 | Nassau Life & Ann Co | 48 | B++ (5) |
| 202 | Nassau Life Ins Co | 48 | B++ (5) |
| 203 | Family Life Ins Co | 40 | B++ (5) |
| 204 | Gleaner Life Ins Society | 40 | B++ (5) |
| 205 | Lincoln Benefit Life Co | 40 | B++ (5) |
| 206 | Manhattan Life Ins Co | 40 | B++ (5) |
| 207 | ManhattanLife Ins & Ann Co | 40 | B++ (5) |
| 208 | Union Security Ins Co | 40 | B++ (5) |
| 209 | Western United Life Ins Co | 40 | B++ (5) |
| 210 | Investors Heritage Life Ins Co | 39 | B++ (5) |
| 211 | Nassau Life Ins Co of Kansas | 39 | B++ (5) |
Show all 211 rowsShow fewer rows
Comdex Scores for 10 Major Annuity Companies
| Carrier | Comdex Score | A.M. Best |
|---|---|---|
| Northwestern Mutual | 100 | A++ |
| TIAA | 100 | A++ |
| New York Life | 100 | A++ |
| Guardian | 100 | A++ |
| MassMutual | 98 | A++ |
| Pacific Life | 94 | A+ |
| Nationwide | 89 | A+ |
| Athene | 88 | A+ |
| Corebridge Financial | 82 | A |
| Global Atlantic | 78 | A |
Source: VitalSigns. Scores approximate and subject to change. Ratings as of July 15, 2026. See our full 211-carrier database above.
How the Comdex Math Works (Quick Example)
The Comdex score is calculated by averaging the percentile rankings a carrier earns from each major rating agency. Here is a concrete example.
Say XYZ Insurance Company is in the 90th percentile for A.M. Best, the 85th percentile for Fitch, and the 80th percentile for Moody’s. The math: 90 + 85 + 80 = 255, and 255 / 3 = a Comdex score of 85.
That means XYZ ranks in the top 15% of all rated insurers. While the Comdex should not be the only number you rely on, it is a fast way to find a carrier’s percentile across multiple agencies in one number.
Three Things to Look for When Comparing Carriers
When you read a carrier’s full ratings profile, three pieces of information matter together:
- Comdex Score: a 1-to-100 composite that gives you a quick summary of how a carrier stacks up across all rating agencies.
- Numerical Equivalent: the number in parentheses next to a rating tells you where it fits on that agency’s scale. For example, “A+ (2)” means the rating is the second-best on the A.M. Best scale.
- Rating Chart: a cross-service comparison chart shows that an A.M. Best A+ is not the same as a Standard & Poor’s A+. The scales differ, and the chart lets you compare apples to apples.
Once you know which carriers clear your rating bar, compare what they pay today with our live fixed annuity rates from 90+ top annuity companies.
Comdex Ranking and A.M. Best Rating Disclosure: 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 https://www.ambest.com/ratings/notice.
Watch list identifiers follow the ratings if the company is on the rating service’s watch list. The identifier indicates a possible upgrade (w+), downgrade (w-), or unknown change (w). The Numerical Equivalence is the number shown in parentheses next to each rating, indicating where that rating ranks within that particular rating service’s scale.
The total number of ratings available is listed in parentheses after the ratings service. Powered by VitalSales Suite, a product of Zinnia Distributor Solutions, LLC.
What is a Comdex Score (Rating)?
After the rating agencies compile, sort, and calculate the carriers’ scores, the scores are tallied and averaged into a single percentile.
While this cannot be the only number you rely on, it helps you find a company’s percentile using fairly strong data.
Rather than trying to compile all the insurance company ratings on your radar, comparing their scores across rating companies, and then seeing how they stand up against their competitors, you can simply check the percentile in which each company falls.
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 is to take a sort of average number, then find out where the carrier ranks among the others based on that average.
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
A Comdex score is a 1-100 percentile ranking. It sums up an insurance company’s financial strength, based on ratings from A.M. Best, S&P, Moody’s, Weiss, and Fitch.
A score of 90 means the insurer ranks higher than 90% of all rated companies, with 100 being the highest.
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 one lesser-known agency (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 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. Put another way, it is 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 rating agency’s full list of carriers is counted and divided by how many carriers are in each category.
For example, if A.M. Best rated 100 carriers and only five were able to obtain the top rating, those five would be in the 100th percentile. If another 20 got the second-highest score, they would be in the next percentile, and so on.
Understanding Financial Profiles
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-Saving Features: VitalSigns aggregates all the ratings and financial data and creates a report showing a carrier’s financial strength. Financial charts and tables provide a more in-depth look into the overall health of each insurance company.
You’ll find total assets and 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. These statements, filed in March, contain data for the previous year, and 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: The composite index gives you a quick summary of a carrier’s ratings and shows you how they stack up.
Numerical Equivalent: A number in parentheses 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 Score FAQs
A note on carrier safety beyond the Comdex score: Every state has a guaranty association that covers annuity owners, up to a state limit, if a licensed insurer is liquidated. It is a last-resort backstop that usually pays only after a failure that can take years to resolve, so it is not a reason to accept a lower Comdex score. Judge the insurer first with our guide to whether annuities are safe, and see state guaranty association limits by state.
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 agent, or company profiles.
How is the Comdex score calculated?
VitalSigns 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, like product features, rate, guarantees, and service, also matter.
What is a good Comdex score for an annuity company?
A Comdex score of 85 or higher is generally considered strong for an annuity purchase. Most licensed producers recommend choosing carriers with scores of 80 or higher, which puts them in the top 20% of rated insurers. For larger deposits ($250,000+), many licensed producers prefer 90+. Only a handful of carriers, including Northwestern Mutual and TIAA, hold a perfect 100.
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Editorial Disclosure: Our editorial team independently reviews and rates annuity products. My Annuity Store earns a commission from the insurance company if you purchase an annuity through our platform. There is no fee to you. This content is for informational and educational purposes only and does not constitute financial, tax, or legal advice. Annuity products vary by state and carrier. Learn more.