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
You can search our Comdex Score database below to find the Comdex Scores for 215 annuity companies. You can sort the table by Company Name, Comdex Rating, or A.M. Best Rating. All ratings shown are current as of November 3, 2025.
| Company Name | Comdex Ranking | A.M. Best |
|---|---|---|
| 1 Northwestern Mutual Life Ins | 100 | A++ (1) |
| 2 Teachers Ins & Ann Assn | 100 | A++ (1) |
| 3 New York Life Ins Co | 100 | A++ (1) |
| 4 New York Life Ins & Ann | 100 | A++ (1) |
| 5 Thrivent Finl for Lutherans | 100 | A++ (1) |
| 6 Guardian Life Ins Co of Amer | 100 | A++ (1) |
| 7 Berkshire Hathaway Life of NE | 100 | A++ (1) |
| 8 Guardian Ins & Ann Co | 100 | A++ (1) |
| 9 Life Ins Co of North America | 100 | A++ (1) |
| 10 Berkshire Life Ins Co of Amer | 100 | A++ (1) |
| 11 General Re Life Corporation | 100 | A++ (1) |
| 12 New York Life Group Ins Co NY | 100 | A++ (1) |
| 13 NYLIFE Ins Co of Arizona | 100 | A++ (1) |
| 14 Northwestern Long Term Care | 100 | A++ (1) |
| 15 State Farm Life Ins Co | 99 | A++ (1) |
| 16 USAA Life Ins Co | 99 | A++ (1) |
| 17 State Farm Life & Acc Assur Co | 99 | A++ (1) |
| 18 USAA Life Ins Co of NY | 99 | A++ (1) |
| 19 Massachusetts Mutual Life Ins | 98 | A++ (1) |
| 20 Knights of Columbus | 98 | A+ (2) |
| 21 C.M. Life Ins Co | 98 | A++ (1) |
| 22 MML Bay State Life Ins Co | 98 | A++ (1) |
| 23 Ann Investors Life Ins Co | 98 | A++ (1) |
| 24 MassMutual Ascend Life Ins Co | 97 | A++ (1) |
| 25 Allianz Life Ins Co of NA | 96 | A+ (2) |
| 26 Empower Ann Ins Co | 96 | A+ (2) |
| 27 Empower Ann Ins Co of Amer | 96 | A+ (2) |
| 28 TIAA-CREF Life Ins Co | 96 | A++ (1) |
| 29 Munich American Reassur Co | 96 | A+ (2) |
| 30 Empower Life & Ann of NY | 96 | A+ (2) |
| 31 Allianz Life Ins of New York | 96 | A+ (2) |
| 32 Sun Life & Health Ins Co US | 96 | A+ (2) |
| 33 John Hancock Life Ins Co (USA) | 95 | A+ (2) |
| 34 Minnesota Life Ins Co | 95 | A+ (2) |
| 35 American United Life Ins Co | 95 | A+ (2) |
| 36 Western-Southern Life Assur Co | 95 | A+ (2) |
| 37 Hannover Life Reassur Amer | 95 | A+ (2) |
| 38 John Hancock Life Ins Co of NY | 95 | A+ (2) |
| 39 John Hancock Life & Health Ins | 95 | A+ (2) |
| 40 Swiss Re Life & Health America | 95 | A+ (2) |
| 41 Western & Southern Life Ins Co | 95 | A+ (2) |
| 42 State Life Ins Co | 95 | A+ (2) |
| 43 Integrity Life Ins Co | 95 | A+ (2) |
| 44 Lafayette Life Ins Co | 95 | A+ (2) |
| 45 National Integrity Life Ins Co | 95 | A+ (2) |
| 46 Columbus Life Ins Co | 95 | A+ (2) |
| 47 Securian Life Ins Co | 95 | A+ (2) |
| 48 Aurora National Life Assur Co | 95 | A+ (2) |
| 49 Metropolitan Life Ins Co | 94 | A+ (2) |
| 50 Prudential Ins Co of America | 94 | A+ (2) |
| 51 Pacific Life Ins Co | 94 | A+ (2) |
| 52 Pruco Life Ins Co | 94 | A+ (2) |
| 53 Metropolitan Tower Life Ins Co | 94 | A+ (2) |
| 54 Pruco Life Ins Co of NJ | 94 | A+ (2) |
| 55 Pacific Life & Ann Co | 94 | A+ (2) |
| 56 Protective Life & Ann Ins | 94 | A+ (2) |
| 57 Penn Mutual Life Ins Co | 93 | A+ (2) |
| 58 Amer Fam Life Assur Columbus | 93 | A+ (2) |
| 59 Penn Ins & Ann Co | 93 | A+ (2) |
| 60 HCC Life Ins Co | 93 | A++ (1) |
| 61 Penn Ins & Ann Co of NY | 93 | A+ (2) |
| 62 First Reliance Standard Life | 93 | A++ (1) |
| 63 Protective Life Ins Co | 92 | A+ (2) |
| 64 Hartford Life & Acc Ins | 92 | A+ (2) |
| 65 Primerica Life Ins Co | 92 | A+ (2) |
| 66 Fidelity Investments Life Ins | 91 | A+ (2) |
| 67 Reliance Standard Life Ins Co | 91 | A++ (1) |
| 68 American Life Ins Co | 91 | NR |
| 69 Banner Life Ins Co | 91 | A+ w (2) |
| 70 Cincinnati Life Ins Co | 91 | A+ (2) |
| 71 Empire Fidelity Investments Life | 91 | A+ (2) |
| 72 William Penn Life Ins Co of NY | 91 | A+ w (2) |
| 73 Companion Life Ins Co | 91 | A+ (2) |
| 74 Amer Fam Life Assur Co of NY | 91 | A+ (2) |
| 75 United World Life Ins Co | 91 | A+ (2) |
| 76 Principal Life Ins Co | 90 | A+ (2) |
| 77 Nationwide Life Ins Co | 90 | A+ (2) |
| 78 RiverSource Life Ins Co | 90 | A+ (2) |
| 79 Nationwide Life & Ann Ins | 90 | A+ (2) |
| 80 RGA Reins Co | 90 | A+ (2) |
| 81 United of Omaha Life Ins Co | 90 | A+ (2) |
| 82 Life Ins Co of the Southwest | 90 | A+ (2) |
| 83 National Life Ins Co | 90 | A+ (2) |
| 84 Mutual of Omaha Ins Co | 90 | A+ (2) |
| 85 RiverSource Life Ins Co of NY | 90 | A+ (2) |
| 86 MONY Life Ins Co | 90 | A+ (2) |
| 87 Principal National Life Ins Co | 90 | A+ (2) |
| 88 PartnerRe Life Re Co of Amer | 90 | 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 UnitedHealthcare Ins Co | 88 | A (3) |
| 93 Liberty National Life Ins Co | 88 | A (3) |
| 94 Globe Life And Acc Ins Co | 88 | A (3) |
| 95 American Income Life Ins Co | 88 | A (3) |
| 96 Athene Ann & Life Assur NY | 88 | A+ (2) |
| 97 United American Ins Co | 88 | A (3) |
| 98 Dearborn Life Ins Co | 87 | A+ (2) |
| 99 Vantis Life Ins Co | 87 | NR |
| 100 Dearborn Natl Life Ins of NY | 87 | A+ (2) |
| 101 Modern Woodmen of America | 85 | A (3) |
| 102 Equitable Finl Life Ins Co | 84 | A (3) |
| 103 Transamerica Life Ins Co | 84 | A (3) |
| 104 Equitable Finl Life of America | 84 | A (3) |
| 105 Standard Ins Co | 84 | A (3) |
| 106 Transamerica Finl Life Ins Co | 84 | A (3) |
| 107 Voya Retirement Ins & Ann Co | 83 | NR |
| 108 Ameritas Life Ins Corp. | 83 | A (3) |
| 109 Wilton Reassur Co | 83 | A+ (2) |
| 110 Wilton Reassur Life of NY | 83 | A+ (2) |
| 111 Wilcac Life Ins Co | 83 | A+ (2) |
| 112 American Memorial Life Ins Co | 83 | A (3) |
| 113 Texas Life Ins Co | 83 | A+ (2) |
| 114 Ameritas Life Ins Corp. of NY | 83 | A (3) |
| 115 SCOR Global Life USA Re Co | 83 | A (3) |
| 116 SCOR Global Life Americas Re | 83 | A (3) |
| 117 SCOR Global Life Re Co of DE | 83 | A (3) |
| 118 Lincoln National Life Ins Co | 82 | A (3) |
| 119 American General Life Ins Co | 82 | A (3) |
| 120 Variable Ann Life Ins Co | 82 | A (3) |
| 121 United States Life Ins in NY | 82 | A (3) |
| 122 Lincoln Life & Ann Co NY | 82 | A (3) |
| 123 ReliaStar Life Ins Co | 82 | A (3) |
| 124 ReliaStar Life Ins Co of NY | 82 | A (3) |
| 125 Symetra Life Ins Co | 81 | A (3) |
| 126 Security Life of Denver Ins Co | 81 | NR |
| 127 CMFG Life Ins Co | 81 | A (3) |
| 128 AGC Life Ins Co | 81 | A (3) |
| 129 American Family Life Ins Co | 81 | A (3) |
| 130 MEMBERS Life Ins Co | 81 | A (3) |
| 131 Cigna Worldwide Ins Co | 81 | A (3) |
| 132 Fidelity & Guar Life Ins Co | 79 | A (3) |
| 133 Connecticut General Life Ins | 79 | A (3) |
| 134 Commonwealth Ann & Life | 78 | A (3) |
| 135 Amer Equity Invest Life Ins Co | 78 | A (3) |
| 136 Forethought Life Ins Co | 78 | A (3) |
| 137 American National Ins Co | 78 | A (3) |
| 138 Unum Life Ins Co of Amer | 78 | A (3) |
| 139 Cigna Health & Life Ins Co | 78 | A (3) |
| 140 First Allmerica Financial Life | 78 | A (3) |
| 141 Brighthouse Life Ins Co of NY | 78 | A (3) |
| 142 Accordia Life & Ann Co | 78 | A (3) |
| 143 Horace Mann Life Ins Co | 78 | A (3) |
| 144 Provident Life & Acc | 78 | A (3) |
| 145 First Unum Life Ins Co | 78 | A (3) |
| 146 Eagle Life Ins Co | 78 | A (3) |
| 147 Colonial Life & Acc Ins | 78 | A (3) |
| 148 Pan-American Life Ins Co | 78 | A (3) |
| 149 First Symetra Nat Life Ins NY | 78 | A (3) |
| 150 Amer Natl Life Ins Co of NY | 78 | A (3) |
| 151 Pacific Guardian Life Ins Co | 78 | A (3) |
| 152 First Penn-Pacific Life Ins Co | 78 | A (3) |
| 153 Provident Life & Casualty | 78 | A (3) |
| 154 Paul Revere Life Ins Co | 78 | A (3) |
| 155 ShelterPoint Life Ins Co | 78 | A (3) |
| 156 Amer Bankers Life Assur Co FL | 78 | A (3) |
| 157 Unum Ins Co | 78 | A (3) |
| 158 Blue Shield of CA Life & Hlth | 78 | A (3) |
| 159 Amer Equity Invest Life of NY | 78 | A (3) |
| 160 Pan-American Assur Co | 78 | A (3) |
| 161 Jackson National Life Ins Co | 76 | A (3) |
| 162 Brighthouse Life Ins Co | 76 | A (3) |
| 163 Jackson Natl Life Ins Co of NY | 76 | A (3) |
| 164 New England Life Ins Co | 76 | A (3) |
| 165 Bankers Conseco Life Ins Co | 76 | A (3) |
| 166 Savings Bank Mutual Life of MA | 75 | A (3) |
| 167 USAble Life | 75 | A (3) |
| 168 Humana Ins Co of Kentucky | 75 | A (3) |
| 169 Aetna Life Ins Co | 74 | A (3) |
| 170 AuguStar Life Ins Co | 74 | A (3) |
| 171 Bankers Life & Casualty Co | 74 | A (3) |
| 172 Americo Finl Life & Ann | 74 | A (3) |
| 173 Washington National Ins Co | 74 | A (3) |
| 174 AuguStar Life Assur Corp | 74 | A (3) |
| 175 Colonial Penn Life Ins Co | 74 | A (3) |
| 176 Fortitude Life Ins & Ann | 73 | A (3) |
| 177 Fidelity & Guar Life Ins of NY | 73 | A (3) |
| 178 Everlake Life Ins Co | 72 | A (3) |
| 179 Health Net Life Ins Co | 69 | NR |
| 180 S.USA Life Ins Co | 61 | A- w (4) |
| 181 National Western Life Ins Co | 61 | A- w (4) |
| 182 United Ins Co of America | 59 | A- (4) |
| 183 Talcott Resolution Life Ins Co | 57 | A- (4) |
| 184 Talcott Resolution L&A Ins Co | 57 | A- (4) |
| 185 Mutual of America Life Ins Co | 57 | A- (4) |
| 186 Security Benefit Life Ins Co | 56 | A- (4) |
| 187 Delaware Life Ins Co | 56 | A- (4) |
| 188 Guaranty Income Life Ins Co | 56 | A- (4) |
| 189 Aspida Life Ins Co | 56 | A- (4) |
| 190 United Life Ins Co | 56 | A- (4) |
| 191 SBLI USA Life Ins Co | 56 | A- w (4) |
| 192 GCU | 56 | A- (4) |
| 193 Shenandoah Life Ins Co | 56 | A- w (4) |
| 194 United Heritage Life Ins Co | 56 | A- (4) |
| 195 First Security Benefit L&A NY | 56 | A- (4) |
| 196 Life of the South Ins Co | 56 | A- w (4) |
| 197 Reliable Life Ins Co | 56 | A- (4) |
| 198 Bankers Life Ins Co of LA | 56 | A- w (4) |
| 199 Union National Life Ins Co | 56 | A- (4) |
| 200 Southern Financial Life Ins Co | 56 | A- w (4) |
| 201 EquiTrust Life Ins Co | 51 | B++ (5) |
| 202 Baltimore Life Ins Co | 49 | B++ (5) |
| 203 Catholic Order of Foresters | 49 | B++ (5) |
| 204 CL Life & Ann Ins Co | 49 | B++ w (5) |
| 205 Nassau Life Ins Co | 48 | B++ (5) |
| 206 Nassau Life & Ann Co | 48 | B++ (5) |
| 207 Natl Security Life & Ann | 48 | A- (4) |
| 208 Lincoln Benefit Life Co | 39 | B++ (5) |
| 209 Investors Heritage Life Ins Co | 39 | B++ (5) |
| 210 Union Security Ins Co | 39 | B++ (5) |
| 211 Nassau Life Ins Co of Kansas | 39 | B++ (5) |
| 212 Genworth Life Ins Co | 32 | C++ (9) |
| 213 Genworth Life & Ann Ins | 32 | B- (8) |
| 214 SILAC Ins Co | 32 | B (7) |
| 215 Genworth Life Ins Co of NY | 32 | C++ (9) |
Top 10 Annuity Companies by Comdex Score
| Carrier | Comdex Score | A.M. Best |
|---|---|---|
| Northwestern Mutual | 100 | A++ |
| TIAA | 100 | A++ |
| New York Life | 98 | A++ |
| Guardian Life | 97 | A++ |
| MassMutual | 95 | A++ |
| Pacific Life | 93 | A+ |
| Nationwide | 91 | A+ |
| Athene | 88 | A |
| Corebridge Financial | 87 | A |
| Global Atlantic | 84 | A |
Source: VitalSigns. Scores approximate and subject to change. See our full 215-carrier database above for current data.
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.
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 maintains a guaranty association that protects annuity holders if a licensed insurer becomes insolvent, typically covering up to $250,000 per contract, though limits vary by state. Even a carrier with a lower Comdex score carries this backstop protection. Before purchasing, check your state’s specific coverage limit. 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. We may earn commissions when you request a quote through our partner links. 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.
