Life Insurance Company Ratings are important because they are an indicator of an insurer’s ability to honor its commitments to its policyholders.
| Insurance Co. | ST | AM Best | S&P | Moody's | Fitch | Weiss | Comdex |
|---|---|---|---|---|---|---|---|
| 4 Ever Life Ins Co | IL | A- (4) | B (5) | ||||
| 5 Star Life Ins Co | NE | A- (4) | C (8) | ||||
| AAA Life Ins Co | MI | A (3) | B (5) | ||||
| AAA Life Ins Co of NY | NY | A (3) | B (5) | ||||
| Academe Inc. | WA | NR | U | ||||
| Accordia Life & Ann Co | IA | A (3) | A- (7) | A (6) | C (8) | 76 | |
| ACE Life Ins Co | CT | A- (4) | C+ (7) | ||||
| Advance Ins Co of Kansas | KS | A (3) | B+ (4) | ||||
| Aetna Health & Life Ins Co | CT | A (3) | A- (7) | C (8) | 75 | ||
| Aetna Life Ins Co | CT | A (3) | A- (7) | A2 (6) | A (6) | B (5) | 77 |
| AGC Life Ins Co | MO | A (3) | A+ (5) | U | 82 | ||
| Alfa Life Ins Corp | AL | A (3) | B- (6) | ||||
| All Savers Ins Co | IN | A (3) | C (8) | ||||
| Allianz Life Ins Co N America | MN | A+ (2) | AA (3) | A1 (5) | B- (6) | 94 | |
| Allianz Life Ins Co of NY | NY | A+ (2) | AA (3) | B+ (4) | 97 | ||
| Allstate Assur Co | IL | A+ (2) | A2 (6) | C+ (7) | 88 | ||
| Allstate Life Ins Co | IL | A+ (2) | A+ (5) | A2 (6) | A+ (5) | B (5) | 86 |
| Allstate Life Ins Co of NY | NY | A+ (2) | A+ (5) | A2 (6) | A+ (5) | B- (6) | 86 |
| Amalgamated Life & Health | IL | C (8) | |||||
| Amalgamated Life Ins Co | NY | A (3) | A (2) | ||||
| Amer Natl Life Ins Co of NY | NY | A (3) | A (6) | B- (6) | 78 | ||
| Amer Natl Life Ins Co of Texas | TX | A (3) | A- (7) | B- (6) | 75 | ||
| American Bankers Life Assur Co | FL | A- (4) | A (6) | Baa1 (8) | B- (6) | 60 | |
| American Benefit Life | OK | B++ (5) | C (8) | ||||
| American Continental Ins Co | TN | A (3) | C (8) | ||||
| American Equity Invest Life | IA | A- (4) | A- (7) | A- (7) | B- (6) | 59 | |
| American Equity Invest Life NY | NY | A- (4) | A- (7) | B (5) | 53 | ||
| American Fam Assur Columbus | NE | A+ (2) | A+ (5) | Aa3 (4) | AA- (4) | 93 | |
| American Family Life Assur NY | NY | A+ (2) | A+ (5) | AA- (4) | A- (3) | 92 | |
| American Family Life Ins Co | WI | A (3) | A+ (5) | A+ (1) | 82 | ||
| American Farm Life Ins Co | TX | B (5) | |||||
| American Federated Life Ins | MS | B (7) | B- (6) | ||||
| American Fidelity Assur Co | OK | A+ (2) | B+ (4) | ||||
| American Fidelity Life Ins Co | FL | B++ (5) | B (5) | ||||
| American General Life Ins Co | TX | A (3) | A+ (5) | A2 (6) | A+ (5) | B (5) | 82 |
| American Health & Life Ins | TX | B++ (5) | B- (6) | ||||
| American Heritage Life Ins Co | FL | A+ (2) | A (6) | A (6) | B (5) | 84 | |
| American Home Life Ins Co | KS | B++ (5) | C- (9) | ||||
| American Income Life Ins Co | IN | A+ (2) | AA- (4) | A+ (5) | B- (6) | 91 | |
| American Indep Network of NY | NY | NR | |||||
| American Life & Security Corp. | NE | B++ (5) | E+ (13) | ||||
| American Life Ins Co | DE | NR | AA- (4) | A1 (5) | C (8) | 91 | |
| American Maturity Life Ins Co | CT | B- (6) | |||||
| American Memorial Life Ins Co | SD | A- (4) | A (6) | B- (6) | 58 | ||
| American National Ins Co | TX | A (3) | A (6) | B (5) | 78 | ||
| American Public Life Ins Co | OK | A+ (2) | B (5) | ||||
| American Republic Corp Ins Co | IA | A- (4) | C (8) | ||||
| American Republic Ins Co | IA | A- (4) | B- (6) | ||||
| American Retirement Life Ins | OH | A (3) | C+ (7) | ||||
| American United Life Ins Co | IN | A+ (2) | AA- (4) | B+ (4) | 95 | ||
| American-Amicable Life Ins TX | TX | A (3) | C (8) | ||||
| Americo Financial Life & Ann | TX | A (3) | B- (6) | ||||
| Ameritas Life Ins Corp | NE | A (3) | A+ (5) | B (5) | 83 | ||
| Ameritas Life Ins Corp of NY | NY | A (3) | A+ (5) | B- (6) | 83 | ||
| Amica Life Ins Co | RI | A+ (2) | A- (3) | ||||
| Ann Investors Life Ins Co | OH | A (3) | A+ (5) | A- (3) | 83 | ||
| Anthem Life & Disability Ins Co | NY | A (3) | B (5) | ||||
| Anthem Life Ins Co | IN | A (3) | B+ (4) | ||||
| Assurity Life Ins Co | NE | A- (4) | B+ (4) | ||||
| Assurity Life Ins Co NY | NY | A- (4) | B (5) | ||||
| Athene Ann & Life Assur Co | DE | A (3) | A (6) | A (6) | C (8) | 78 | |
| Athene Ann & Life Assur NY | NY | A (3) | A (6) | A (6) | C+ (7) | 78 | |
| Athene Annuity and Life Insurance Company | IA | A (3) | A (6) | A (6) | C (8) | 78 | |
| Athene Life Ins Co of NY | NY | A (3) | C (8) | ||||
| Atlanta Life Ins Co | GA | C+ (10) | D+ (10) | ||||
| Atlantic Coast Life Ins Co | SC | B++ (5) | C- (9) | ||||
| Aurora National Life Assur | CA | C (8) | |||||
| Auto Club Life Ins Co | MI | A (3) | C (8) | ||||
| Auto-Owners Life Ins Co | MI | A+ (2) | B (5) | ||||
| Automobile Club of Sthrn CA Life | CA | A (3) | B- (6) | ||||
| AXA Corporate Solutions Life Re | DE | B+ (6) | B (5) | ||||
| AXA Equitable Life Ins Co | NY | A (3) | A+ (5) | A2 (6) | B+ (4) | 81 | |
| Baltimore Life Ins Co | MD | B++ (5) | B (5) | ||||
| Bankers Conseco Life Ins | NY | A- (4) | A- (7) | A- (7) | D (11) | 59 | |
| Bankers Fidelity Assur Co | GA | A- (4) | C+ (7) | ||||
| Bankers Fidelity Life Ins Co | GA | A- (4) | C (8) | ||||
| Bankers Life & Casualty Co | IL | A- (4) | A- (7) | A3 (7) | A- (7) | D+ (10) | 62 |
| Bankers Life Ins Co | NC | E (14) | |||||
| Bankers Life of Louisiana | LA | A- (4) | C (8) | ||||
| Banner Life Ins Co | MD | A+ (2) | AA- (4) | AA- (4) | C (8) | 94 | |
| Berkley Life & Health Ins Co | IA | A+ (2) | A (2) | ||||
| Berkshire Hathaway Life of NE | NE | A++ (1) | AA+ (2) | C+ (7) | 100 | ||
| Berkshire Life Ins Co of Amer | MA | A++ (1) | AA+ (2) | AA+ (2) | B (5) | 99 | |
| BEST Life & Health Ins Co | TX | B+ (6) | B+ (4) | ||||
| Best Meridian Ins Co | FL | A- (4) | B- (6) | ||||
| Blue Cross & Blue Shield of KS | KS | A (3) | B (5) | ||||
| Blue Shield of CA Life & Hlth | CA | A (3) | A (6) | B (5) | 78 | ||
| Bluebonnet Life Ins Co | MS | A (3) | A- (3) | ||||
| Boston Mutual Life Ins Co | MA | A (3) | B+ (4) | ||||
| Brighthouse Life Ins Co | DE | A (3) | A+ (5) | A3 (7) | A (6) | B (5) | 78 |
| Brighthouse Life Ins Co of NY | NY | A (3) | A+ (5) | C+ (7) | 83 | ||
| Brooke Life Ins Co | MI | A+ (2) | B- (6) | ||||
| C M Life Ins Co | CT | A++ (1) | AA+ (2) | Aa3 (4) | AA+ (2) | B (5) | 98 |
| Capitol Life Ins Co | TX | B++ (5) | C (8) | ||||
| CareAmerica Life Ins Co | CA | B++ (5) | U | ||||
| Caribbean American Life Assur | PR | A- (4) | B (5) | ||||
| Caterpillar Life Ins Co | MO | U | |||||
| Catholic Financial Life | WI | NR | |||||
| Catholic Life Ins | TX | A- (4) | |||||
| Catholic Order of Foresters | IL | A- (4) | |||||
| Censtat Life Assur Co | AZ | A- (4) | |||||
| Central Security Life Ins Co | TX | D+ (10) | |||||
| Central States H&L Co of Omaha | NE | A- (4) | B (5) | ||||
| Chesapeake Life Ins Co | OK | A- (4) | A+ (1) | ||||
| Chesterfield Reins Co | MO | NR | C (8) | ||||
| Christian Fidelity Life Ins Co | TX | A- (4) | A- (3) | ||||
| Church Life Ins Corporation | NY | A- (4) | B- (6) | ||||
| Cigna Arbor Life Ins Co | CT | NR | U | ||||
| Cigna Health & Life Ins Co | CT | A (3) | A (6) | A2 (6) | B (5) | 79 | |
| Cigna Life Ins Co of New York | NY | A w (3) | A w+ (6) | A- (3) | 78 | ||
| Cigna National Health Ins Co | OH | A (3) | B- (6) | ||||
| Cigna Worldwide Ins Co | DE | A (3) | A (6) | B- (6) | 78 | ||
| Cincinnati Equitable Life | OH | B++ (5) | D (11) | ||||
| Cincinnati Life Ins Co | OH | A+ (2) | A+ (5) | A+ (5) | C+ (7) | 89 | |
| Citizens Security Life Ins Co | KY | B++ (5) | C (8) | ||||
| Clear Spring Life Ins Co | TX | NR | U | ||||
| CMFG Life Ins Co | IA | A (3) | A+ (5) | A2 (6) | B- (6) | 81 | |
| Colonial Life & Acc Ins | SC | A (3) | A (6) | A2 (6) | A (6) | C+ (7) | 78 |
| Colonial Life Ins Co of Texas | TX | C- (9) | |||||
| Colonial Penn Life Ins | PA | A- (4) | A- (7) | A3 (7) | A- (7) | D+ (10) | 62 |
| Colonial Security Life Ins Co | TX | D+ (10) | |||||
| Colorado Bankers Life Ins Co | NC | E (14) | |||||
| Columbian Life Ins Co | IL | B++ (5) | C (8) | ||||
| Columbian Mutual Life Ins Co | NY | B++ (5) | B (5) | ||||
| Columbus Life Ins Co | OH | A+ (2) | AA- (4) | Aa3 (4) | AA (3) | C+ (7) | 96 |
| Combined Ins Co of America | IL | A+ (2) | C (8) | ||||
| Combined Life Ins Co of NY | NY | A+ (2) | C+ (7) | ||||
| Commencement Bay Risk Mgmt Ins | WA | A (3) | A- (3) | ||||
| Commercial Travelers Life Ins | NY | A- (4) | B- (6) | ||||
| Commonwealth Ann & Life | MA | A (3) | A- (7) | A3 (7) | A (6) | B- (6) | 74 |
| Companion Life Ins Co | NY | A+ (2) | A+ (5) | B- (6) | 91 | ||
| Companion Life Ins Co | SC | A+ (2) | B+ (4) | ||||
| Companion Life Ins Co of CA | CA | A+ (2) | B (5) | ||||
| Connecticut General Life Ins | CT | A (3) | A (6) | A2 (6) | A (6) | B- (6) | 78 |
| Conseco Life Ins Co of Texas | TX | U | |||||
| Constitution Life Ins Co | TX | B+ (6) | D (11) | ||||
| Continental American Ins Co | NE | A+ (2) | B (5) | ||||
| Continental Life Brentwood TN | TN | A (3) | C+ (7) | ||||
| Cooperativa de Seguros de Vida | PR | C (11) | |||||
| Cotton States Life Ins Co | GA | NR | A- (3) | ||||
| COUNTRY Investors Life Assur | IL | A+ (2) | A- (3) | ||||
| COUNTRY Life Ins Co | IL | A+ (2) | NRpi | A+ (1) | |||
| Croatian Fraternal Union | PA | NR-5 | |||||
| Crown Global Ins Co of America | DE | A- (4) | E (14) | ||||
| CSI Life Ins Co | NE | A+ (2) | AA (3) | B- (6) | 97 | ||
| Dearborn National Life Ins Co | IL | A (3) | A+ (5) | B+ (4) | 83 | ||
| Dearborn Natl Life NY | NY | A (3) | A+ (5) | B+ (4) | 83 | ||
| Delaware American Life Ins Co | DE | A (3) | B+ (4) | ||||
| Delaware Life Ins Co | DE | A- (4) | BBB+ (8) | C (8) | 52 | ||
| Delaware Life Ins Co NY | NY | A- (4) | BBB+ (8) | B- (6) | 52 | ||
| Direct General Life Ins | SC | A- (4) | C (8) | ||||
| DL Reins Co | DE | NR | U | ||||
| Eagle Life Ins Co | IA | A- (4) | A- (7) | B+ (4) | 53 | ||
| Educators Life Ins of America | IL | U | |||||
| ELCO Mutual Life & Ann | IL | B (7) | C+ (7) | ||||
| Elips Life Ins Co | MO | A (3) | C (8) | ||||
| EMC National Life Co | IA | A- (4) | B (5) | ||||
| Empire Fidelity Investments Life | NY | A+ (2) | A+ (5) | B+ (4) | 91 | ||
| Employers Reassur Corp | KS | NR | BBB+ (8) | D (11) | |||
| Employers' Protective Ins Co | HI | NR | U | ||||
| Enterprise Life Ins Co | TX | A- (4) | B (5) | ||||
| Equitable Life & Casualty | UT | B+ (6) | C- (9) | ||||
| EquiTrust Life Ins Co | IL | B++ (5) | BBB+ (8) | B- (6) | 41 | ||
| Erie Family Life Ins Co | PA | A (3) | B (5) | ||||
| Everence Association Inc | IN | NR-5 | |||||
| Evergreen Life Ins Co | TX | U | |||||
| Family Heritage Life of Amer | OH | A+ (2) | B- (6) | ||||
| Family Life Ins Co | TX | B+ (6) | C (8) | ||||
| Family Service Life Ins Co | TX | NR | U | ||||
| Farm Bureau Life Ins Co | IA | A (3) | B+ (4) | ||||
| Farm Bureau Life Ins Co of MI | MI | A (3) | A- (3) | ||||
| Farm Bureau Life Ins Co of MO | MO | A- (4) | A- (3) | ||||
| Farmers New World Life Ins Co | WA | A (3) | B- (6) | ||||
| Federated Life Ins Co | MN | A+ (2) | A (2) | ||||
| Fidelity & Guar Life Ins Co NY | NY | A- (4) | BBB+ w+ (8) | BBB+ w+ (8) | B (5) | 57 | |
| Fidelity & Guaranty Life Ins | IA | A- (4) | BBB+ w+ (8) | Baa2 (9) | BBB+ w+ (8) | C+ (7) | 59 |
| Fidelity Investments Life Ins | UT | A+ (2) | A+ (5) | A- (3) | 91 | ||
| Fidelity Life Association | IL | A- (4) | C+ (7) | ||||
| Fidelity Security Life Ins Co | MO | A (3) | A- (3) | ||||
| Fidelity Security Life Ins NY | NY | A (3) | B+ (4) | ||||
| First Allmerica Financial Life | MA | A (3) | A- (7) | A3 (7) | A (6) | B (5) | 74 |
| First Assur Life of America | LA | A- (4) | B (5) | ||||
| First Berkshire Hathaway Life | NY | A+ (2) | C+ (7) | ||||
| First Catholic Slovak Ladies | OH | A- (4) | |||||
| First Catholic Slovak Union | OH | ||||||
| First Command Life Ins Co | TX | B- (6) | |||||
| First Health Life & Health Ins | TX | A (3) | C+ (7) | ||||
| First National Life of USA | NE | NR | C (8) | ||||
| First Penn-Pacific Life Ins Co | IN | A (3) | A- (7) | A1 (5) | A+ w+ (5) | B (5) | 81 |
| First Reliance Standard Life | NY | A+ (2) | A+ (5) | A- (3) | 91 | ||
| First Security Benefit L&A NY | NY | A- (4) | A- (7) | A- (7) | B (5) | 59 | |
| First Symetra Nat Life Ins NY | NY | A (3) | A (6) | A+ (5) | B (5) | 80 | |
| First Unum Life Ins Co | NY | A (3) | A (6) | A2 (6) | A (6) | C+ (7) | 78 |
| Florida Combined Life Ins Co | FL | A (3) | B (5) | ||||
| Foresters Life Ins & Ann | NY | A- w (4) | C+ (7) | ||||
| Forethought Life Ins Co | IN | A (3) | A- (7) | A3 (7) | A (6) | B (5) | 74 |
| Forethought National Life Ins | TX | U | |||||
| Freedom Life Ins Co of Amer | TX | A- (4) | B+ (4) | ||||
| Funeral Directors Life Ins Co | TX | A- (4) | B- (6) | ||||
| Garden State Life Ins Co | TX | A (3) | A (2) | ||||
| GBU Financial Life | PA | A- (4) | |||||
| General Re Life Corporation | CT | A++ (1) | AA+ (2) | C (8) | 100 | ||
| Genworth Life & Ann Ins | VA | B (7) | B- (16) | B1 (14) | B (15) | C- (9) | 49 |
| Genworth Life Ins Co | DE | C++ (9) | B- (16) | B3 (16) | CCC+ | C (8) | 44 |
| Genworth Life Ins Co NY | NY | C++ (9) | B- (16) | B3 (16) | CCC+ | C (8) | 44 |
| Gerber Life Ins Co | NY | A (3) | B+ (4) | ||||
| Germania Life Ins Co | TX | B++ (5) | C+ (7) | ||||
| Gleaner Life Ins Society | MI | A- (4) | |||||
| Globe Life And Acc Ins Co | NE | A+ (2) | AA- (4) | A+ (5) | C+ (7) | 91 | |
| Globe Life Ins Co of NY | NY | A+ (2) | B- (6) | ||||
| Golden Rule Ins Co | IN | A (3) | AA (3) | B (5) | 89 | ||
| Government Personnel Mutual | TX | A- (4) | B (5) | ||||
| GPM Health & Life Ins Co | WA | A- (4) | B (5) | ||||
| Grange Life Ins Co | OH | A- (4) | C+ (7) | ||||
| Great American Life Insurance Company | OH | A (3) | A+ (5) | A2 (6) | B- (6) | 81 | |
| Great Southern Life Ins Co | TX | A (3) | A- (3) | ||||
| Great Western Ins Co | UT | A- (4) | C- (9) | ||||
| Great-West Life & Ann | CO | A+ (2) | AA (3) | Aa3 (4) | AA (3) | B- (6) | 97 |
| Great-West Life & Ann NY | NY | A+ (2) | Aa3 (4) | AA (3) | B- (6) | 96 | |
| Greater Georgia Life Ins Co | GA | A (3) | B (5) | ||||
| Greenfields Life Ins Co | IA | NR | B (5) | ||||
| Greenhouse Life Ins Co | AZ | NR | U | ||||
| Guarantee Trust Life Ins Co | IL | A- (4) | B (5) | ||||
| Guaranty Income Life Ins Co | IA | B++ (5) | B (5) | ||||
| Guardian Ins & Ann Co Inc | DE | A++ (1) | AA+ (2) | Aa2 (3) | AA+ (2) | B (5) | 99 |
| Guardian Life Ins Co of Amer | NY | A++ (1) | AA+ (2) | Aa2 (3) | AA+ (2) | A (2) | 99 |
| Guggenheim Life & Ann Co | DE | A- (4) | B- (6) | ||||
| Hannover Life Reassur Amer | FL | A+ (2) | AA- (4) | B+ (4) | 95 | ||
| Harleysville Life Ins Co | OH | A- (4) | B (5) | ||||
| Hartford Life & Acc Ins | CT | A (3) | A+ (5) | A2 (6) | C (8) | 81 | |
| HCC Life Ins Co | IN | A++ (1) | A+ (5) | AA- (4) | B (5) | 92 | |
| Heartland National Life Ins Co | IN | NR | C+ (7) | ||||
| Hermann Sons Life | TX | ||||||
| HM Life Ins Co | PA | A (3) | B (5) | ||||
| HM Life Ins Co NY | NY | A (3) | B (5) | ||||
| Homesteaders Life Co | IA | A- (4) | B (5) | ||||
| Horace Mann Life Ins Co | IL | A (3) | A (6) | A2 (6) | A (6) | B (5) | 78 |
| Humana Ins Co of KY | KY | A- (4) | A (6) | B+ (4) | 58 | ||
| Humana Ins of Puerto Rico Inc | PR | B++ (5) | C+ (7) | ||||
| IA American Life Ins Co | TX | A (3) | C (8) | ||||
| IdeaLife Ins Co | CT | A- (4) | B- (6) | ||||
| Illinois Mutual Life Ins Co | IL | A- (4) | B+ (4) | ||||
| Independence Life & Ann Co | DE | A- (4) | C- (9) | ||||
| Individual Assur Life Hlth & Acc | OK | B+ (6) | D+ (10) | ||||
| Integrity Life Ins Co | OH | A+ (2) | AA- (4) | Aa3 (4) | AA (3) | B- (6) | 96 |
| Intramerica Life Ins Co | NY | B++ (5) | B (5) | ||||
| Investors Growth Life Ins Co | AZ | ||||||
| Investors Heritage Life Ins Co | KY | B+ (6) | C- (9) | ||||
| Investors Life Ins Co of NA | TX | B+ (6) | B (5) | ||||
| Jackson National Life Ins Co | MI | A+ (2) | AA- (4) | A1 (5) | A+ (5) | B (5) | 91 |
| Jackson National Life Ins of NY | NY | A+ (2) | AA- (4) | A1 (5) | A+ (5) | B (5) | 91 |
| Jamestown Life Ins Co | VA | C+ (7) | |||||
| Jefferson National Life Ins Co | TX | A+ (2) | C (8) | ||||
| Jefferson National Life Ins NY | NY | NR | B- (6) | ||||
| John Hancock Life & Health Ins | MA | A+ (2) | AA- (4) | A1 (5) | AA- (4) | B (5) | 93 |
| John Hancock Life Ins Co (USA) | MI | A+ (2) | AA- (4) | A1 (5) | AA- (4) | B- (6) | 93 |
| John Hancock Life Ins Co NY | NY | A+ (2) | AA- (4) | A1 (5) | AA- (4) | B (5) | 93 |
| Kansas City Life Ins Co | MO | A (3) | B (5) | ||||
| Kentucky Funeral Directors Life | KY | A- (4) | B- (6) | ||||
| Kentucky Home Life Ins Co | KY | C- (9) | |||||
| Knights of Columbus | CT | A+ (2) | AA+ (2) | 98 | |||
| Lafayette Life Ins Co | OH | A+ (2) | AA- (4) | AA (3) | B (5) | 95 | |
| Landcar Life Ins Co | UT | NR | U | ||||
| Landmark Life Ins Co | TX | B (7) | C (8) | ||||
| Langhorne Re (Arizona) Ltd | AZ | NR | C (8) | ||||
| Leaders Life Ins Co | OK | A (3) | B (5) | ||||
| Legacy Life Ins Co of Missouri | MO | NR | U | ||||
| Lewer Life Ins Co | MO | B+ (6) | C (8) | ||||
| Liberty Bankers Life Ins Co | OK | B++ (5) | C (8) | ||||
| Liberty Life Assur of Boston | NH | A+ (2) | AA- (4) | B- (6) | 95 | ||
| Liberty National Life Ins Co | NE | A+ (2) | AA- (4) | A1 (5) | A+ (5) | B (5) | 91 |
| Life Assur Co | OK | C- (9) | |||||
| Life Ins Co of Alabama | AL | B++ (5) | B (5) | ||||
| Life Ins Co of Boston & NY | NY | A (3) | A- (3) | ||||
| Life Ins Co of Louisiana | LA | B+ (6) | D (11) | ||||
| Life Ins Co of Southwest | TX | A (3) | A+ (5) | A2 (6) | B (5) | 81 | |
| Life Ins of North Amer | PA | A w (3) | A2 (6) | A w+ (6) | B (5) | 78 | |
| Life of America Ins Co | TX | NR | C (8) | ||||
| Life of the South Ins Co | GA | A- (4) | C (8) | ||||
| LifeCare Assur Co | AZ | C (8) | |||||
| LifeMap Assur Co | OR | A- (4) | B- (6) | ||||
| LifeSecure Ins Co | MI | NR | D (11) | ||||
| LifeShield National Ins Co | OK | B++ (5) | B- (6) | ||||
| LifeWise Assur Co | WA | A (3) | A (2) | ||||
| Lincoln Benefit Life Co | NE | A- (4) | BBB w (9) | C+ (7) | 52 | ||
| Lincoln Heritage Life Ins Co | IL | A- (4) | B- (6) | ||||
| Lincoln Life & Ann Co NY | NY | A+ (2) | AA- (4) | A1 (5) | A+ (5) | B (5) | 91 |
| Lincoln National Life Ins Co | IN | A+ (2) | AA- (4) | A1 (5) | A+ (5) | B (5) | 91 |
| Lombard Intl Life Assur Co | PA | A- (4) | E (14) | ||||
| Lombard Intl Life Assur Co NY | NY | A- (4) | U | ||||
| London Life Reins Co | PA | A+ (2) | C+ (7) | ||||
| Loyal American Life Ins Co | OH | A (3) | B- (6) | ||||
| Lumico Life Ins Co | MO | A (3) | C (8) | ||||
| Lumico Life Ins Co of New York | NY | A (3) | |||||
| Madison National Life Ins Co | WI | A- (4) | A- (3) | ||||
| Manhattan Life Ins Co | NY | B+ (6) | B (5) | ||||
| Manhattan National Life Ins Co | OH | B++ (5) | B- (6) | ||||
| ManhattanLife Assur Co of Amer | AR | B+ (6) | C (8) | ||||
| Marquette Indemnity & Life Ins | AZ | D+ (10) | |||||
| Massachusetts Mutual Life Ins | MA | A++ (1) | AA+ (2) | Aa3 (4) | AA+ (2) | A- (3) | 98 |
| Medico Corp Life Ins Co | IA | A- (4) | B- (6) | ||||
| Medico Ins Co | IA | A- (4) | B- (6) | ||||
| Medico Life & Health Ins Co | IA | A- (4) | C (8) | ||||
| MEMBERS Life Ins Co | IA | A (3) | A+ (5) | A2 (6) | B (5) | 81 | |
| Merit Life Ins Co | IN | B+ w (6) | B- (6) | ||||
| Metropolitan Life Ins Co | NY | A+ (2) | AA- (4) | Aa3 (4) | AA- (4) | B- (6) | 95 |
| Metropolitan Tower Life Ins Co | NE | A+ (2) | AA- (4) | Aa3 (4) | AA- (4) | B- (6) | 95 |
| Mid-West National Life of TN | TX | NR | B (5) | ||||
| Midland National Life Ins Co | IA | A+ (2) | A+ (5) | A+ (5) | B+ (4) | 89 | |
| Midwestern United Life Ins Co | IN | NR | A+ w- (5) | B (5) | |||
| Minnesota Life Ins Co | MN | A+ (2) | AA- (4) | Aa3 (4) | AA (3) | B+ (4) | 96 |
| MML Bay State Life Ins Co | CT | A++ (1) | AA+ (2) | Aa3 (4) | AA+ (2) | B (5) | 98 |
| Modern Woodmen of America | IL | A (3) | |||||
| Monarch Life Ins Co | MA | E (14) | F (16) | ||||
| Monitor Life Ins Co of NY | NY | A- (4) | B (5) | ||||
| MONY Life Ins Co | NY | A+ (2) | A+ (5) | A1 (5) | A+ (5) | B- (6) | 89 |
| MONY Life Ins Co of Amer | AZ | A (3) | A+ (5) | A2 (6) | B (5) | 81 | |
| Motorists Life Ins Co | OH | A- (4) | B- (6) | ||||
| Mountain Life Ins Co | TN | B+ (6) | C- (9) | ||||
| Multinational Life Ins Co | PR | B++ (5) | C- (9) | ||||
| Munich American Reassur Co | GA | A+ (2) | AA- (4) | C (8) | 95 | ||
| Mutual of America Life Ins Co | NY | A+ (2) | A+ (5) | AA- (4) | B+ (4) | 92 | |
| Mutual of Omaha Ins Co | NE | A+ (2) | A+ (5) | A1 (5) | B- (6) | 90 | |
| Mutual Savings Life Ins Co | AL | A- (4) | B (5) | ||||
| Mutual Trust Life Ins Co | IL | A (3) | A (6) | B (5) | 78 | ||
| Nassau Life & Ann Co | CT | B+ (6) | BB+ (11) | D (11) | 36 | ||
| Nassau Life Ins Co | NY | B+ (6) | BB+ (11) | D- (12) | 36 | ||
| Nassau Life Ins Co of Kansas | KS | B+ (6) | D (11) | ||||
| National Benefit Life Ins Co | NY | A+ (2) | A- (3) | ||||
| National Farm Life Ins Co | TX | B++ (5) | B (5) | ||||
| National Foundation Life Ins | TX | A- (4) | B+ (4) | ||||
| National Guardian Life Ins Co | WI | A- (4) | B (5) | ||||
| National Health Ins Co | TX | A- (4) | C (8) | ||||
| National Income Life Ins | NY | A+ (2) | B+ (4) | ||||
| National Integrity Life Ins Co | NY | A+ (2) | AA- (4) | Aa3 (4) | AA (3) | B (5) | 96 |
| National Life Ins Co | VT | A (3) | A+ (5) | A2 (6) | B- (6) | 81 | |
| National Security Ins Co | AL | B++ (5) | B (5) | ||||
| National Western Life Ins Co | CO | A (3) | A- (7) | B- (6) | 75 | ||
| Nationwide Life & Ann Ins | OH | A+ (2) | A+ (5) | A1 (5) | C (8) | 90 | |
| Nationwide Life Ins Co | OH | A+ (2) | A+ (5) | A1 (5) | B- (6) | 90 | |
| Natl Farmers Union Life Ins Co | TX | B+ (6) | B+ (4) | ||||
| Natl Security Life & Ann | NY | A- (4) | B- (6) | ||||
| Natl Teachers Assoc Life Ins | TX | A- (4) | B (5) | ||||
| New England Life Ins Co | MA | A (3) | A+ (5) | A3 (7) | A (6) | B (5) | 78 |
| New Era Life Ins Co | TX | B++ (5) | C (8) | ||||
| New Era Life Ins Co Midwest | TX | B++ (5) | C+ (7) | ||||
| New York Life Ins & Ann | DE | A++ (1) | AA+ (2) | Aaa (1) | AAA (1) | B+ (4) | 100 |
| New York Life Ins Co | NY | A++ (1) | AA+ (2) | Aaa (1) | AAA (1) | A- (3) | 100 |
| Niagara Life & Health Ins Co | NY | A+ (2) | B (5) | ||||
| Nippon Life Ins Co of Amer | IA | A- (4) | A- (3) | ||||
| North American Co for L&H | IA | A+ (2) | A+ (5) | A+ (5) | B (5) | 89 | |
| North American Ins Co | WI | B++ (5) | B+ (4) | ||||
| Northwestern Long Term Care | WI | A++ (1) | AA+ (2) | Aaa (1) | AAA (1) | B (5) | 100 |
| Northwestern Mutual Life Ins | WI | A++ (1) | AA+ (2) | Aaa (1) | AAA (1) | B+ (4) | 100 |
| NTA Life Ins Co of NY | NY | A- (4) | B (5) | ||||
| NYLIFE Ins Co of Arizona | AZ | B+ (4) | |||||
| Occidental Life Ins Co of NC | TX | A (3) | C (8) | ||||
| Ohio National Life Assur Corp | OH | A (3) | A- (7) | A3 (7) | B (5) | 74 | |
| Ohio National Life Ins Co | OH | A (3) | A- (7) | A3 (7) | C+ (7) | 74 | |
| Ohio State Life Ins Co | TX | NR | B- (6) | ||||
| Old American Ins Co | MO | A- (4) | B- (6) | ||||
| Old Republic Life Ins Co | IL | B++ (5) | B- (6) | ||||
| Old United Life Ins Co | AZ | A (3) | B (5) | ||||
| Omaha Ins Co | NE | NR | B- (6) | ||||
| Optimum Re Ins Co | TX | A (3) | C+ (7) | ||||
| Optum Ins of Ohio Inc. | OH | B (5) | |||||
| Order of United Comml Trvlrs | OH | B (7) | |||||
| OxOxford Life Ins Coford Life Ins Co | AZ | A- (4) | B+ (4) | ||||
| Ozark National Life Ins Co | MO | A- (4) | C (8) | ||||
| Pacific Beacon Life Reassur | HI | A (3) | |||||
| Pacific Guardian Life Ins Co | HI | A (3) | A (6) | A- (3) | 78 | ||
| Pacific Life & Ann Co | AZ | A+ (2) | AA- (4) | A1 (5) | AA- (4) | B+ (4) | 93 |
| Pacific Life Ins Co | NE | A+ (2) | AA- (4) | A1 (5) | AA- (4) | A- (3) | 93 |
| PacifiCare Life & Health Ins | IN | NR | AA- (4) | B (5) | |||
| Pan-American Assur Co | LA | A (3) | A (6) | B+ (4) | 78 | ||
| Pan-American Life Ins Co | LA | A (3) | A (6) | B (5) | 78 | ||
| Pan-American Life Ins Co of PR | PR | NR | B (5) | ||||
| Park Avenue Life Ins Co | DE | NR | B (5) | ||||
| Parker Centennial Assur Co | WI | A+ (2) | A (2) | ||||
| PartnerRe Life Reins America | AR | A+ w (2) | C (8) | ||||
| Patriot Life Ins Co | MI | A (3) | B- (6) | ||||
| Paul Revere Life Ins Co | MA | A (3) | A (6) | A2 (6) | A (6) | C+ (7) | 78 |
| Pekin Financial Life Ins Co | AZ | ||||||
| Pekin Life Ins Co | IL | A- (4) | B (5) | ||||
| Penn Ins & Ann Co | DE | A+ (2) | A+ (5) | Aa3 (4) | C+ (7) | 93 | |
| Penn Mutual Life Ins Co | PA | A+ (2) | A+ (5) | Aa3 (4) | B (5) | 93 | |
| Performance Life of America | LA | A- (4) | B- (6) | ||||
| Philadelphia American Life Ins | TX | B++ (5) | B (5) | ||||
| PHL Variable Ins Co | CT | B (7) | D (11) | ||||
| Physicians Benefits Trust Life | IL | C+ (7) | |||||
| Physicians Life Ins Co | NE | A (3) | A- (3) | ||||
| Physicians Mutual Ins Co | NE | A (3) | A+ (1) | ||||
| Pioneer American Ins Co | TX | A (3) | C- (9) | ||||
| Pioneer Mutual Life Ins Co | ND | NR | B (5) | ||||
| Pioneer Security Life Ins Co | TX | A (3) | C- (9) | ||||
| Plateau Ins Co | TN | A- (4) | C (8) | ||||
| Popular Life Re | PR | B++ (5) | B (5) | ||||
| Preneed Reins Co of Amer | AZ | B (5) | |||||
| Primerica Life Ins Co | TN | A+ (2) | AA- (4) | A1 (5) | B (5) | 93 | |
| Principal Life Ins Co | IA | A+ (2) | A+ (5) | A1 (5) | AA- (4) | B+ (4) | 91 |
| Principal National Life Ins Co | IA | A+ (2) | A+ (5) | A1 (5) | AA- (4) | B (5) | 91 |
| Professional Ins Co | TX | B++ (5) | C- (9) | ||||
| Protective Life & Ann Ins | AL | A+ (2) | AA- (4) | A+ (5) | C+ (7) | 91 | |
| Protective Life Ins Co | TN | A+ (2) | AA- (4) | A1 (5) | A+ (5) | B (5) | 91 |
| Provident Amer Life & Health | OH | A (3) | B (5) | ||||
| Provident Life & Acc | TN | A (3) | A (6) | A2 (6) | A (6) | C+ (7) | 78 |
| Provident Life & Casualty | TN | A (3) | A (6) | B- (6) | 78 | ||
| Pruco Life Ins Co | AZ | A+ (2) | AA- (4) | Aa3 (4) | AA- (4) | C+ (7) | 95 |
| Pruco Life Ins Co of NJ | NJ | A+ (2) | AA- (4) | AA- (4) | B- (6) | 94 | |
| Prudential Annuities Life Assur | AZ | A+ (2) | AA- (4) | AA- (4) | B- (6) | 94 | |
| Prudential Ins Co of America | NJ | A+ (2) | AA- (4) | Aa3 (4) | AA- (4) | B (5) | 95 |
| Prudential Legacy Ins Co NJ | NJ | NR | D+ (10) | ||||
| Prudential Retirement Ins&Ann | CT | A+ (2) | AA- (4) | Aa3 (4) | AA- (4) | B- (6) | 95 |
| Puritan Life Ins Co of Amer | TX | B++ (5) | C (8) | ||||
| Regal Reins Co | MA | U | |||||
| Reinsurance Co of Missouri | MO | C (8) | |||||
| Reliable Life Ins Co | MO | A- (4) | A- (7) | A- (7) | B- (6) | 59 | |
| Reliance Standard Life Ins Co | IL | A+ (2) | A+ (5) | A2 (6) | C+ (7) | 87 | |
| Reliance Standard Life of TX | TX | U | |||||
| ReliaStar Life Ins Co | MN | A (3) | A+ (5) | A2 (6) | A (6) | B- (6) | 80 |
| ReliaStar Life Ins Co of NY | NY | A (3) | A+ (5) | A2 (6) | A (6) | B (5) | 80 |
| Reserve National Ins Co | OK | A- (4) | B- (6) | ||||
| Resource Life Ins Co | IL | NR | U | ||||
| RGA Reins Co | MO | A+ (2) | AA- (4) | A1 (5) | A (6) | B- (6) | 89 |
| RiverSource Life Ins Co | MN | A+ (2) | AA- (4) | Aa3 (4) | C+ (7) | 95 | |
| RiverSource Life Ins Co of NY | NY | A+ (2) | AA- (4) | Aa3 (4) | C (8) | 95 | |
| Royal Neighbors of America | IL | A- (4) | |||||
| S.USA Life Ins Co | AZ | A- (4) | B- (6) | ||||
| Sagicor Life Ins Co | TX | A- (4) | C- (9) | ||||
| Savings Bank Mutual Life Ins | MA | A (3) | A- (7) | B+ (4) | 75 | ||
| SBLI USA Life Ins Co | NY | A- (4) | B- (6) | ||||
| SCOR Global Life Americas Rein | DE | A+ (2) | AA- (4) | AA- (4) | C (8) | 94 | |
| SCOR Global Life Reins Co DE | DE | A+ (2) | AA- (4) | C (8) | 95 | ||
| SCOR Global Life USA Re Co | DE | A+ (2) | AA- (4) | B- (6) | 95 | ||
| Securian Life Ins Co | MN | A+ (2) | AA- (4) | Aa3 (4) | AA (3) | B (5) | 96 |
| Security Benefit Life Ins Co | KS | A- (4) | A- (7) | B (5) | 55 | ||
| Security Life of Denver Ins Co | CO | NR | A+ w- (5) | A3 (7) | A w- (6) | B- (6) | 77 |
| Security Mutual Life of NY | NY | A- (4) | C (8) | ||||
| Sentinel American Life Ins Co | TX | NR | U | ||||
| Sentinel Security Life Ins Co | UT | B++ (5) | D (11) | ||||
| Sentry Life Ins Co | WI | A+ (2) | A (2) | ||||
| Sentry Life Ins Co of New York | NY | A+ (2) | B (5) | ||||
| Settlers Life Ins Co | WI | A- (4) | B (5) | ||||
| Shelter Life Ins Co | MO | A (3) | B (5) | ||||
| ShelterPoint Ins Co | FL | A- (4) | B (5) | ||||
| ShelterPoint Life Ins Co | NY | A- (4) | A- (7) | A (2) | 55 | ||
| Shenandoah Life Ins Co | VA | A- (4) | B- (6) | ||||
| Sheridan Life Ins Co | OK | U | |||||
| Southern Farm Bureau Life Ins | MS | A+ (2) | A (2) | ||||
| Southern Financial Life Ins Co | KY | A- (4) | C (8) | ||||
| Southern Financial Life Ins Co | LA | D+ (10) | |||||
| Southern Life & Health Ins Co | WI | U | |||||
| Southwest Credit Life Inc. | NM | U | |||||
| SPJST | TX | B (7) | |||||
| Standard Ins Co | OR | A (3) | A+ (5) | A1 (5) | B+ (4) | 84 | |
| Standard Life & Acc Ins | TX | A (3) | A- (7) | A- (3) | 75 | ||
| Standard Life & Casualty Ins | UT | B (7) | D (11) | ||||
| Standard Life Ins of NY | NY | A (3) | A- (3) | ||||
| Standard Security Life of NY | NY | A- (4) | B+ (4) | ||||
| Starmount Life Ins Co | ME | A- (4) | C (8) | ||||
| State Farm Health Ins Co | IL | U | |||||
| State Farm Life & Acc Assur Co | IL | A++ (1) | AA (3) | Aa1 (2) | A+ (1) | 98 | |
| State Farm Life Ins Co | IL | A++ (1) | AA (3) | Aa1 (2) | A+ (1) | 98 | |
| State Life Ins Co | IN | A+ (2) | AA- (4) | B (5) | 95 | ||
| Sterling Life Ins Co | IL | NR | B- (6) | ||||
| Structured Ann Reins Co | IA | NR | U | ||||
| Sun Life & Health Ins Co US | MI | A+ (2) | AA (3) | D (11) | 97 | ||
| Sun Life Assur | CN | A+ (2) | AA (3) | Aa3 (4) | AA (3) | 97 | |
| Sunset Life Ins Co of America | MO | A- (4) | B- (6) | ||||
| Supreme Council Royal Arcanum | MA | ||||||
| SWBC Life Ins Co | TX | B++ (5) | A- (3) | ||||
| Swiss Re Life & Health America | MO | A+ (2) | AA- (4) | Aa3 (4) | C+ (7) | 95 | |
| Symetra Life Ins Co | IA | A (3) | A (6) | A1 (5) | A+ (5) | B (5) | 82 |
| Symetra National Life Ins Co | IA | A- (3) | |||||
| Talcott Resolution Int Life Re | CT | NR | U | ||||
| Talcott Resolution L&A Ins Co | CT | B++ (5) | BBB (9) | Baa3 (10) | B- (6) | 48 | |
| Talcott Resolution Life Ins Co | CT | B++ (5) | BBB (9) | Baa3 (10) | C+ (7) | 48 | |
| Teachers Ins & Ann Assoc | NY | A++ (1) | AA+ (2) | Aa1 (2) | AAA (1) | A+ (1) | 99 |
| Tennessee Farmers Life Ins Co | TN | A+ (2) | B+ (4) | ||||
| Tennessee Life Ins Co | AZ | ||||||
| Texas Directors Life Ins Co | TX | B (5) | |||||
| Texas Life Ins Co | TX | A+ (2) | A+ (5) | C+ (7) | 90 | ||
| Thrivent Finl for Lutherans | WI | A++ (1) | AA+ (2) | 99 | |||
| Thrivent Life Ins Co | WI | NR | B (5) | ||||
| TIAA-CREF Life Ins Co | NY | A++ (1) | AA+ (2) | Aa1 (2) | AAA (1) | B (5) | 99 |
| Tier One Ins Co | OK | NR | U | ||||
| TPM Life Ins Co | PA | NR | B (5) | ||||
| Trans World Assur Co | CA | B++ (5) | B+ (4) | ||||
| Trans-City Life Ins Co | AZ | A- (4) | C- (9) | ||||
| Trans-Oceanic Life Ins Co | PR | B++ (5) | A- (3) | ||||
| Transamerica Advisors Life Ins | AR | NR | |||||
| Transamerica Financial Life | NY | A (3) | A+ (5) | A1 (5) | A+ (5) | B (5) | 84 |
| Transamerica Life Ins Co | IA | A (3) | A+ (5) | A1 (5) | A+ (5) | B (5) | 84 |
| Transamerica Premier Life Ins Co | IA | A (3) | A+ (5) | A1 (5) | A+ (5) | C+ (7) | 84 |
| Triple-S Blue Inc. I.I. | PR | B++ (5) | D+ (10) | ||||
| Triple-S Vida Inc. | PR | B++ (5) | B- (6) | ||||
| Trustmark Ins Co | IL | A- (4) | B+ (4) | ||||
| Trustmark Life Ins Co | IL | A- (4) | B+ (4) | ||||
| Trustmark Life Ins Co of NY | NY | A- (4) | B (5) | ||||
| U.S. Financial Life Ins Co | OH | A- w (4) | B (5) | ||||
| UNICARE Life & Health Ins Co | IN | A- (4) | B- (6) | ||||
| Unified Life Ins Co | TX | B++ (5) | B (5) | ||||
| Unimerica Ins Co | WI | A (3) | B (5) | ||||
| Unimerica Life Ins Co of NY | NY | A (3) | B- (6) | ||||
| Union Fidelity Life Ins Co | KS | NR | E (14) | ||||
| Union Labor Life Ins Co | MD | A- (4) | B (5) | ||||
| Union National Life Ins Co | LA | A- (4) | A- (7) | A- (7) | B (5) | 59 | |
| Union Security Ins Co | KS | B++ (5) | A (6) | Baa1 w- (8) | B (5) | 53 | |
| Union Security Life Ins NY | NY | B++ (5) | C+ (7) | ||||
| United American Ins Co | NE | A+ (2) | AA- (4) | A+ (5) | B- (6) | 91 | |
| United Benefit Life Ins Co | OH | U | |||||
| United Farm Family Life Ins Co | IN | A (3) | A (2) | ||||
| United Fidelity Life Ins Co | TX | C (8) | |||||
| United Heritage Life Ins Co | ID | B++ (5) | B (5) | ||||
| United Home Life Ins Co | IN | A- (4) | B (5) | ||||
| United Ins Co of America | IL | A- (4) | A- (7) | A3 (7) | A- (7) | B- (6) | 62 |
| United Life Ins Co | IA | A- (4) | B (5) | ||||
| United National Life of Amer | IL | B++ (5) | B (5) | ||||
| United of Omaha Life Ins Co | NE | A+ (2) | A+ (5) | A1 (5) | B (5) | 90 | |
| United Security Assur Co of PA | PA | C- (12) | E+ (13) | ||||
| United States Life Ins of NY | NY | A (3) | A+ (5) | A2 (6) | A+ (5) | C+ (7) | 82 |
| United World Life Ins Co | NE | A+ (2) | A+ (5) | B+ (4) | 91 | ||
| UnitedHealthcare Ins Co | CT | A (3) | AA (3) | A1 (5) | AA- (4) | C (8) | 89 |
| UnitedHealthcare Life Ins Co | WI | A (3) | C (8) | ||||
| Unity Financial Life Ins Co | OH | B++ (5) | C- (9) | ||||
| Univantage Ins Co | UT | U | |||||
| Universal Life Ins Co | PR | B+ w (6) | B+ (4) | ||||
| Unum Ins Co | ME | A- (4) | A2 (6) | A (6) | C (8) | 65 | |
| Unum Life Ins Co of Amer | ME | A (3) | A (6) | A2 (6) | A (6) | C+ (7) | 78 |
| USAA Life Ins Co | TX | A++ (1) | AA+ (2) | Aa1 (2) | A (2) | 99 | |
| USAA Life Ins Co of NY | NY | A++ (1) | AA+ (2) | Aa1 (2) | B+ (4) | 99 | |
| USAble Life | AR | A (3) | A- (7) | A- (3) | 75 | ||
| USIC Life Ins Co | PR | B++ (5) | C (8) | ||||
| Vantis Life Ins Co | CT | A+ (2) | C+ (7) | ||||
| Vantis Life Ins Co of NY | NY | A+ (2) | B (5) | ||||
| Variable Ann Life Ins Co | TX | A (3) | A+ (5) | A2 (6) | A+ (5) | B (5) | 82 |
| Versant Life Ins Co | MS | A- (4) | B- (6) | ||||
| Voya Retirement Ins & Ann Co | CT | NR | A+ (5) | A2 (6) | A (6) | B+ (4) | 80 |
| Washington National Ins Co | IN | A- (4) | A- (7) | A3 (7) | A- (7) | D+ (10) | 62 |
| West Coast Life Ins Co | NE | A+ (2) | AA- (4) | A1 (5) | A+ (5) | B- (6) | 91 |
| Western & Southern Life Ins Co | OH | A+ (2) | AA- (4) | Aa3 (4) | AA (3) | B (5) | 96 |
| Western American Life Ins Co | TX | D+ (10) | |||||
| Western United Life Assur Co | WA | B+ (6) | B- (6) | ||||
| Western-Southern Life Assur | OH | A+ (2) | AA- (4) | Aa3 (4) | AA (3) | B (5) | 96 |
| Westport Life Ins Co | AZ | NR | |||||
| Wichita National Life Ins Co | OK | B+ (6) | C- (9) | ||||
| Wilcac Life Ins Co | IL | A+ (2) | C (8) | ||||
| Wilco Life Ins Co | IN | A+ (2) | A+ (5) | C (8) | 90 | ||
| William Penn Association | PA | B++ (5) | |||||
| William Penn Life Ins Co of NY | NY | A+ (2) | AA- (4) | AA- (4) | C (8) | 94 | |
| Wilton Reassur Co | MN | A+ (2) | A+ (5) | D+ (10) | 90 | ||
| Wilton Reassur Life of NY | NY | A+ (2) | A+ (5) | C (8) | 90 | ||
| Woodmen of the World Life Soc | NE | A+ (2) | |||||
| Zurich American Life Ins Co | IL | A+ (2) | A (6) | A3 (7) | C- (9) | 81 | |
| Zurich American Life Ins Co NY | NY | NR | C (8) |
What are Insurance Company Ratings?
Insurance company financial ratings are assigned by one of five NSRO Certified third-party rating agencies and indicate an insurance company’s financial strength, solvency, and ability to pay policyholder claims.
Life Insurance Company Rating Agencies
Below are the 5 main rating agencies that assign insurance companies financial ratings. When you look at an insurance company rating chart you will see the financial rating assigned by one or all of these rating agencies.
Each of these rating agencies is a Nationally Recognized Statistical Rating Organization (NRSRO). The SEC allows NRSROs to offer ratings to insurers that demonstrate the strength of the various insurance companies’ reserves.
These rating agencies have a high standard to live up to, which should give you some peace of mind about your final decision. If you have been evaluating an insurance company’s financial strength you have likely noticed financial ratings vary from rating agency to agency. We created this insurance company financial rating overview to help you more easily evaluate an insurance company’s financial strength.
#1. A.M. Best
The only global credit rating agency with a unique focus on the insurance industry. Best’s Credit Ratings, which are issued through A.M. Best Rating Services, Inc., are a recognized indicator of insurers’ financial strength and creditworthiness. You can search for an insurance company’s A.M. Best Rating on this page of the A.M. Best website.
#2. S&P Global Ratings
In 28 countries around the world and with a history that dates back more than 150 years, S&P Global Ratings provides high-quality market intelligence in the form of credit ratings, research, and thought leadership. S&P Global Ratings has rated over 1,000 insurers; you can search the complete list at spglobal.com.
#3. Moody’s
Moody is an essential component of the global capital markets, providing credit ratings, research, tools, and analysis that contribute to transparent and integrated financial markets. Visit Moody’s to learn more about their insurance industry ratings and market research.
#4. Fitch Ratings
A Global Leader in financial information services with operations in 30 countries. Visit Fitch’s Insurance rating page on their website to read a comprehensive explanation of their rating process.
#5. Kroll Bond Rating Agency, LLC
Kroll Bond Rating Agency, LLC, and its affiliates (KBRA) is a global full-service rating agency with a mission to set a standard of excellence and integrity. Established in 2010, KBRA remains dedicated to the restoration of trust in credit ratings by creating new standards for assessing risk and by offering timely and transparent ratings.
The last established NSRA Insurance Company Rating Agencies and we would put the least amount of importance on their rating.
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Life Insurance Company Ratings Chart
Each of these rating agencies uses its own proprietary scale to rate an insurance company. Their rating refers only to the financial strength of the insurance company and is not a recommendation for an annuity product.
This insurance company rating chart outlines each of these four rating agencies’ letter grade rating scales and their meaning.
Possible Insurance Company Ratings
In addition to the four agencies covered above you may also come across financial ratings issued by KBRA or Weiss. The table below lists the 5 highest potential ratings from all 6 of the potential rating agencies. As you can see the financial ratings vary a fair amount.
For example, the fifth-highest rating from A.M. Best is a B++ while the 5th highest rating assigned by Fitch and KBRA is an A+ while KBRA’s fifth-highest rating is a B+.
| Possible Ratings | A.M. Best | Standard & Poor's | Moody's | Fitch Ratings |
|---|---|---|---|---|
| 1 | A++ | AAA | Aaa | AAA |
| Superior | Extremely Strong | Exceptional | Exceptionally Strong | |
| 2 | A+ | AA+ | Aa1 | AA+ |
| Superior | Very Strong | Excellent | Very Strong | |
| 3 | A | AA | Aa2 | AA |
| Excellent | Very Strong | Excellent | Very Strong | |
| 4 | A- | AA- | Aa3 | AA- |
| Excellent | Very Strong | Excellent | Very Strong | |
| 5 | B++ | A+ | A1 | A+ |
| Good | Strong | Good | Strong | |
| 6 | B+ | A | A2 | A |
| Good | Strong | Good | Strong | |
| 7 | B | A- | A3 | A- |
| Fair | Strong | Good | Strong | |
| 8 | B- | BBB+ | Baa1 | BBB+ |
| Fair | Good | Adequate | Good | |
| 9 | C++ | BBB | Baa2 | BBB |
| Marginal | Good | Adequate | Good | |
| 10 | C+ | BBB- | Baa3 | BBB- |
| Marginal | Good | Adequate | Good | |
| 11 | C | BB+ | Ba1 | BB+ |
| Weak | Marginal | Questionable | Moderately Weak | |
| 12 | C- | BB | Ba2 | BB |
| Weak | Marginal | Questionable | Moderately Weak | |
| 13 | D | BB- | Ba3 | BB- |
| Poor | Marginal | Questionable | Moderately Weak | |
| 14 | E | B+ | B1 | B+ |
| Under Supervision | Weak | Poor | Weak | |
| 15 | F | B | B2 | B |
| In Liquidation | Weak | Poor | Weak | |
| 16 | B- | B3 | B- | |
| Weak | Poor | Weak | ||
| 17 | CCC+ | Caa1 | CCC+ | |
| Very Weak | Very Poor | Very Weak | ||
| 18 | CCC | Caa2 | CCC | |
| Very Weak | Very Poor | Very Weak | ||
| 19 | CCC- | Caa3 | CCC- | |
| Very Weak | Very Poor | Very Weak | ||
| 20 | CC | Ca | CC | |
| Extremely Weak | Extremely Poor | Extremely Weak | ||
| 21 | C | C | ||
| Lowest | Distressed |
Comdex Score
The Comdex Score is not a rating, but a composite of all the ratings a company has received. It ranks companies on a scale of 1 to 100, showing you at a glance where a company is ranked among all rated insurers.
In order to take those reviews from A.M. Best, Moody’s, Fitch, Weiss, and Standard & Poor’s and put them all on a level playing field, the Comdex was born.
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.’
Composite Index
Comdex stands for composite index; rightly so, as Comdex compiles the scores from the four major credit raters, presenting you with a composite score of all the evaluations a life insurance company has available.
It then puts each company into one single, 100-point scale. This method, in essence, 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.
As an example, an insurer with a 97 Comdex Score is in the 97th percentile of all ranked companies, or put another way, has financial strength superior to 97% of ranked companies. Many insurance seekers find it far simpler to look at a score on a scale of 1-100 than to try to understand four or five different rating scales and their methodology.
An insurance company's financial rating is an opinion (not a fact) and is issued by an independent agency. An insurance company credit rating indicates an insurance company's financial strength, solvency, and ability to pay policyholder claims. Each rating agency has its own rating scale so the same insurance company can receive different ratings among the four agencies. An insurance company rating chart may not include a rating from every agency.
A.M. Best Ratings Scale
A.M. Best is the most widely accepted rating agency. Many insurance company rating charts have only one financial rating assigned; when that is the case, almost always it is assigned by A.M. Best.
AM Best is the leading provider of insurance company ratings, news, analysis, and financial information for the Life/Annuity insurance industry. Best’s Credit Ratings are independent opinions regarding the creditworthiness of an issuer or debt obligation.
An A.M. Best rating is more than a balance sheet strength assessment and includes valuations of operating performance.
The economy and related economic cycles drive the level of life insurance and annuity activity, revenue, and income.
Typical business dynamics such as competition, consumer demands, and regulatory changes combined with economic forces have resulted in significant changes in the life and annuity insurance industry with changing risk profiles, market participants, and products.
A.M. Best’s Credit Ratings are based on a comprehensive quantitative and qualitative evaluation of a company’s balance sheet strength, operating performance, business profile, and enterprise risk management or, where appropriate, the specific nature and details of debt security.
Understanding Best Capital Adequacy Ratio (BCAR)
The BCAR depicts the quantitative relationship between a rating unit’s balance sheet strength and its key financial risks that could impact such strength. As the foundation of financial security, balance sheet strength is critical to the determination of a rating unit’s ability to meet its current and ongoing obligations.
By establishing a guideline for the net required capital needed to support balance sheet strength, BCAR can assist analysts in differentiating among the financial strength of insurers and in determining whether a rating unit’s capitalization is appropriate for its risk profile.
The analysis of BCAR alone does not decide the balance sheet strength assessment. Other factors that can impact the balance sheet strength analysis include:
- liquidity
- quality of capital
- dependence on reinsurance
- quality and appropriateness of reinsurance
- asset/liability matching reserve adequacy
- stress tests
- internal capital models
- the actions or financial condition of an affiliate and/or holding company
Similarly, a rating is more than a balance sheet strength assessment and includes evaluations of a rating unit’s operating performance, business profile, and enterprise risk management.
The BCAR model calculates a rating unit’s net required capital at different confidence levels, resulting in a BCAR score for each of these levels. Since the difference between a rating unit’s available capital and its net required capital is expressed as a ratio to available capital, a BCAR score expresses the extent of the excess or shortfall as a percentage of available capital.
A positive score at a particular confidence interval indicates the rating unit’s available capital is in excess of its net required capital, whereas a negative score indicates the rating unit’s available capital has fallen short of its net required capital. State Guaranty Associations are in place should an insurer become insolvent.
Tips for Picking a Top Rated Annuity Company
Below are 3 helpful items to look for when trying to make sense of an insurance company’s ratings.
1. Comdex Score:
The Comdex gives you a quick summary of a carrier’s ratings and shows you how they stack up. If you see a score in the 80s that is typically high-rated annuity company. For instance, a Comdex Score of 85 means the annuity company is rated in the top 85% of all rated annuity companies.
2. 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.
3. A.M. Best Rating
A.M. Best is by far the gold standard when it comes to insurance company rating agencies so when in doubt it doesn’t hurt to default to their rating when evaluating potential insurance companies. In general, an AM Best rating of A- or better indicates a financially solid insurance company.
Highest Rated Annuity Companies
A+ ( Top Rated) Annuity Companies
| Pacific Life Insurance Company | Rating |
|---|---|
| 700 Newport Center Dr, Newport Beach, CA 92660 | |
| A.M. Best Rating (15 possible ratings) | A+ (2) |
| Moody's (21 possible ratings) | A1 (5) |
| Fitch (21 possible ratings) | AA- (4) |
| Standard & Poor's (Financial Strength, 20 Ratings) | AA- (4) |
| Comdex (percentile of all rating companies) | 93 |
| Allianz Life | Rating |
|---|---|
| 5701 Golden Hills Dr., Minneapolis, MN 55416 | |
| A.M. Best Rating | A+ |
| Moody's (21 rankings) | A1 (5) |
| Comdex (percentile of all rated companies) | 94 |
| Standard & Poor's (20 Possible Ratings) | AA (3) |
| North American Company for Life and Health Insurance | Rating |
|---|---|
| Mailing Address | P.O. Box 79905, Des Moines, IA 50325-0905 |
| A.M. Best Rating (15 Possible Ratings) | A+ |
| Fitch Ratings (Financial Strength, 21 Ratings) | A+ (5) |
| Weiss | B(5) |
| Comdex Score (Percentile of All Rated Companies) | 89 |
| Standard & Poor's (Financial Strength, 20 Ratings) | A+ (5) |
| Nationwide Life & Annuity Company | Rating |
|---|---|
| One Nationwide Plaza, Columbus, OH 43215 | |
| A.M. Best Rating (15 possible ratings) | A+ (2) |
| Moody's (21 possible ratings) | A1 (5) |
| Standard & Poor's (Financial Strength, 20 Ratings) | A+ (5) |
| Comdex (percentile of all rating companies) | 90 |
| Lincoln Financial Group | Rating |
|---|---|
| 1300 South Clinton St., Fort Wayne, IN 46802 | |
| A.M. Best Rating (15 possible ratings) | A+ (2) |
| Moody's (21 possible ratings) | A1 (5) |
| Fitch (21 possible ratings) | A+ (5) |
| Standard & Poor's (Financial Strength, 20 Ratings) | AA- (4) |
| Comdex (percentile of all rating companies) | 90 |
A Rated Annuity Companies
| Athene Financial Ratings | Rating |
|---|---|
| 7700 Mills Civic Parkway, West Des Moines, IA 50266 | |
| A.M. Best Rating (15 possible ratings) | A (3) |
| Fitch Ratings (21 possible) | A (6) |
| Comdex (percentile of all rating companies) | 78 |
| Standard & Poor's (20 possible ratings) | A (6) |
| Global Atlantic Financial Group | Rating |
|---|---|
| A.M. Best Rating (15 possible ratings) | A (3) |
| Moody's (21 possible ratings) | A3 (7) |
| Fitch (21 possible ratings) | A (6) |
| Standard & Poor's (Financial Strength, 20 Ratings) | A- (7) |
| Comdex (percentile of all rating companies) | 75 |
| Great American Life Insurance Company | Rating |
|---|---|
| 301 E Fourth St., Cincinnati, OH 45202 | |
| A.M. Best Rating (15 possible ratings) | A+ (2) |
| Moody's (21 possible ratings) | A2 (6) |
| Standard & Poor's (20 possible ratings) | A+ (5) |
| Comdex (percentile of all rated companies) | 82 |
| American National Insurance Company (ANICO) | Rating |
|---|---|
| A.M. Best Company (Best's Ratings, 15 Ratings) | A (3) |
| Standard & Poor's (Financial Strength, 20 Ratings) | A (6) |
| Comdex Ranking (Percentile in Rated Companies) | 79 |
| Assets | $20,369,533,167 |
| Liabilities | $16,891,805,681 |
| Assets to Liabilities Ratio | 120.59% |
| American General Life Insurance Company | Rating |
|---|---|
| A.M. Best Company (Best's Ratings, 15 Ratings) | A (3) |
| Moody's (Financial Strength, 21 Ratings) | A2 (6) |
| Standard & Poor's (Financial Strength, 20 Ratings) | A+ (5) |
| Fitch Ratings (Financial Strength, 21 Ratings) | A+ (5) |
| Weiss (Safety Rating, 16 Ratings) | B (5) |
| Comdex Ranking (Percentile in Rated Companies) | 82 |
| Jackson National Life Insurance Company | Rating |
|---|---|
| 1 Corporate Way, Lansing, MI 48951 | |
| A.M. Best Rating (15 possible ratings) | A (3) |
| Moody's (21 possible ratings) | A1 (5) |
| Fitch (21 possible ratings) | A+ (5) |
| Standard & Poor's (Financial Strength, 20 Ratings) | A+ (5) |
| Comdex (percentile of all rating companies) | 84 |
A- Rated Annuity Companies
| American Equity | Rating |
|---|---|
| 6000 Westown Pkwy, West Des Moines, IA 50266 | |
| A.M. Best Rating (15 possible ratings) | A- (4) |
| Fitch (21 possible ratings) | A- (7) |
| Standard & Poor's (Financial Strength, 20 Ratings) | A- (7) |
| Comdex (percentile of all rating companies) | 60 |
| Oxford Life Insurance Company | |
|---|---|
| Group Affiliation | Oxford Group |
| Home Office Phone Number | 602-263-6666 |
| Mailing Address | 2721 North Central Avenue Phoenix AZ 85004-1172 |
| A.M. Best Rating (15 possible ratings) | A- (6th) |
| Weiss(Safety Rating, 16 ratings) | B+ (4) |
| Assets | $2,377,064 |
| Liabilities | $2,153,800 |
| Assets to Liabilities | 110.20% |
| Insurer | Guggenheim Life and Annuity |
|---|---|
| Mailing Address | 401 Pennsylvania Parkway, Suite 300 Indianapolis, IN 46280 |
| Group Affiliation | Group 1001 |
| A.M. Best Rating | A- |
| State of Domicile | Deleware |
| NAIC Company Code | 83607 |
| Assets | $11,688,959,539 |
| Liabilities | $10,974,895,598 |
| Website | Guggenheim Life and Annuity Website |
B++ Rated Annuity Companies
| Guaranty Income Life Insurance Company | Ratings |
|---|---|
| Mailing Address | 2638 S Sherwood Forest Blvd, Suite 200 Baton Rouge, LA 70816 |
| Group Affiliation | Kuvare US Group |
| A.M. Best Rating | A- |
| State of Domicile | Iowa |
| NAIC Company Code | 64238 |
| Assets | $1,790,698,511 |
| Liabilities | $1,334,805,081 |
| Assets to Liabilities Ratio | 134.15% |
| Website | https://www.gilico.com/ |
| EquiTrust Life Insurance Company | Rating |
|---|---|
| A.M. Best Company (Best's Ratings, 15 Ratings) | B++(6) |
| Standard & Poor's (Financial Strength, 20 Ratings) | BBB+(6) |
| Comdex Ranking (Percentile in Rated Companies) | 41 |
| Assets | $20,029,531,512 |
| Liabilities | $18,843,499,043 |
| Assets to Liabilities Ratio | 106.29% |
| Atlantic Coast Life Insurance Company | Ratings |
|---|---|
| Mailing Address | 1565 SAM RITTENBERG BOULEVARD CHARLESTON, SC 29407 |
| Group Affiliation | Advantage Capital Group |
| A.M. Best Rating | B++ |
| State of Domicile | South Carolina |
| NAIC Company Code | 61115 |
| Assets | $466,382,649 |
| Liabilities | $425,333,973 |
| Website | ACLICO.com |
| Upstream Life Insurance Company | |
|---|---|
| Mailing Address | 265 North Lamar Blvd, Suite A, Oxford, MS 38655 |
| A.M. Best Rating (15 possible ratings) | B++ (5th) |
| Assets | $64,762,999 |
| Liabilities | $36,279,702 |
| Assets to Liabilities | 178% |
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