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The Comdex Score Resource Hub 2026

A Comdex Score ranks insurance companies 1-100 using composite data from AM Best, S&P, Moody's & Fitch. Compare scores for 211 annuity carriers.

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.

Try it: drag the Comdex gauge85 (strong)
050100
0-64: Low65-84: Mid-tier85+: Strong

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:

  1. A.M. Best
  2. Moody’s
  3. Weiss
  4. Standard & Poor’s
  5. Fitch

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.

Ratings chart showing financial ratings that are combined using the comdex score

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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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Author

Jason Caudill, MBA
Written By
Jason Caudill, MBA
Founder of My Annuity Store. 20+ years helping retirees compare annuities from 90+ top annuity companies.
Last reviewed October 16, 2026

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.

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