Compare the financial strength of every major annuity carrier in one place: A.M. Best, S&P, Moody's, Fitch, Weiss and the Comdex composite score, side by side.
Every rating current as of July 15, 2026. No login, no paywall, no email required.
Life insurance company ratings tell you how financially strong a carrier is before you hand over your premium. This page lists A.M. Best, S&P, Moody's, Fitch, Weiss and Comdex scores for 400+ top annuity companies rated B++ (Good) or higher, in one searchable chart, plus plain-language explanations of what each grade means for annuity buyers.
| Company▼ | St▼ | AM Best▼ | S&P▼ | Moody's▼ | Fitch▼ | Weiss▼ | Comdex▼ |
|---|---|---|---|---|---|---|---|
| 4 Ever Life Ins Co | IL | A | — | — | — | B | — |
| 5 Star Life Ins Co | NE | A- | — | — | — | C | — |
| AAA Life Ins Co | MI | A | — | — | — | B+ | — |
| AAA Life Ins Co of New York | NY | A | — | — | — | B | — |
| AAA Life Re Ltd. | HI | A | — | — | — | — | — |
| Accordia Life & Ann Co | IA | A | A | A2 | A | C+ | 78 |
| ACE Life Ins Co | CT | A- | — | — | — | C+ | — |
| Advance Ins Co of Kansas | KS | A | — | — | — | B | — |
| Aetna Life Ins Co | CT | A | A- | A3 | A | B | 74 |
| AGC Life Ins Co | MO | A | A+ | — | — | — | 81 |
| Alfa Life Ins Corp | AL | A | — | — | — | C+ | — |
| Allianz Life Ins Co of NA | MN | A+ | AA | Aa3 | — | B- | 96 |
| Allianz Life Ins of New York | NY | A+ | AA | — | — | B- | 97 |
| Amalgamated Life Ins Co | NY | A | — | — | — | C+ | — |
| Amer Bankers Life Assur Co FL | FL | A | A | A2 | — | B | 78 |
| Amer Equity Invest Life Ins Co | IA | A | A | — | A | C+ | 78 |
| Amer Equity Invest Life of NY | NY | A | A | — | — | — | 78 |
| Amer Fam Life Assur Co of NY | NY | A+ | A+ | — | — | A | 91 |
| Amer Fam Life Assur Columbus | NE | A+ | A+ | Aa3 | — | — | 92 |
| Amer Natl Life Ins Co of NY | NY | A | A | — | A | B- | 78 |
| Amer Natl Life Ins Co of Texas | TX | A | — | — | — | B | — |
| Amer Retirement Life Ins Co | OH | A | — | — | — | C+ | — |
| American Benefit Life Ins Co | OK | A- | — | — | — | B | — |
| American Century Life Ins Co | OH | B++ | — | — | — | D+ | — |
| American Continental Ins Co | TN | A | — | — | — | A | — |
| American Family Life Ins Co | WI | A | A+ | — | — | A+ | 81 |
| American Fidelity Assur Co | OK | A+ | — | — | — | B+ | — |
| American Fidelity Life Ins Co | FL | B++ | — | — | — | B | — |
| American General Life Ins Co | TX | A | A+ | A2 | A+ | B | 82 |
| American Health & Life Ins Co | TX | B++ | — | — | — | A | — |
| American Heritage Life Ins Co | FL | A | — | — | — | C+ | — |
| American Home Life Ins Co | KS | B++ | — | — | — | C- | — |
| American Income Life Ins Co | IN | A | AA- | — | AA- | B- | 88 |
| American Life & Security Corp. | NE | B++ | — | — | — | D+ | — |
| American Memorial Life Ins Co | IA | A | A+ | — | — | B | 82 |
| American National Ins Co | TX | A | A | — | A | B | 78 |
| American Public Life Ins Co | OK | A+ | — | — | — | B | — |
| American Republic Corp Ins Co | IA | A | — | — | — | C | — |
| American Republic Ins Co | IA | A | — | — | — | B- | — |
| American United Life Ins Co | IN | A+ | AA- | — | — | B- | 95 |
| American-Amicable Life Ins TX | TX | A | — | — | — | C | — |
| Americo Finl Life & Ann | TX | A | — | A3 | — | B- | 74 |
| Ameritas Life Ins Corp. | NE | A | A+ | — | — | B | 82 |
| Ameritas Life Ins Corp. of NY | NY | A | A+ | — | — | B- | 82 |
| Amica Life Ins Co | RI | A+ | — | — | — | B | — |
| Ann Investors Life Ins Co | OH | A++ | AA | — | — | B | 98 |
| Aspida Life Ins Co | MI | A- | — | — | — | C- | 56 |
| Assurity Life Ins Co | NE | A- | — | — | — | B+ | — |
| Assurity Life Ins Co of NY | NY | A- | — | — | — | B | — |
| Athene Ann & Life Assur NY | NY | A+ | A+ | A1 | A+ | C+ | 88 |
| Athene Ann & Life Co | IA | A+ | A+ | A1 | A+ | C- | 88 |
| Athene Life Ins Co of NY | NY | A+ | — | — | — | C | — |
| Atlanta Life Ins Co | GA | B++ | — | — | — | D- | — |
| Atlantic Capital Life Assur Co | GA | A- | — | — | — | — | — |
| AuguStar Life Ins Co | OH | A | — | Baa1 | A | C+ | 74 |
| Aurora National Life Assur Co | MO | A+ | AA- | — | — | C | 95 |
| Auto Club Life Ins Co | MI | A | — | — | — | C | — |
| Auto-Owners Life Ins Co | MI | A+ | — | — | — | C+ | — |
| Automobile Club of Sou CA Life | CA | A | — | — | — | B- | — |
| Axcelus Financial Life Ins Co | PA | A- | — | — | — | E | — |
| Axcelus Finl Life Ins Co of NY | NY | A- | — | — | — | — | — |
| Baltimore Life Ins Co | MD | B++ | — | — | — | C | 49 |
| Bankers Conseco Life Ins Co | NY | A | A- | — | A | D | 76 |
| Bankers Fidelity Assur Co | GA | A- | — | — | — | C | — |
| Bankers Fidelity Life Ins Co | GA | A- | — | — | — | C | — |
| Bankers Life & Casualty Co | IL | A | A- | A3 | A | D+ | 74 |
| Bankers Life Ins Co of LA | LA | A- | — | — | — | C | 56 |
| Banner Life Ins Co | MD | A | A | — | A+ | D | 80 |
| BC & BS of Kansas Inc. | KS | A | — | — | — | C+ | — |
| Berkley Life & Health Ins Co | IA | A+ | — | — | — | B+ | — |
| Berkshire Hathaway Life of NE | NE | A++ | AA+ | — | — | C | 100 |
| Berkshire Life Ins Co of Amer | MA | A++ | AA+ | — | — | B | 100 |
| BEST Life & Health Ins Co | TX | B++ | — | — | — | B+ | — |
| Best Meridian Ins Co | FL | A- | — | — | — | C- | — |
| Blue Shield of CA Life & Hlth | CA | A | A | — | — | B | 78 |
| Bluebonnet Life Ins Co | MS | A | — | — | — | A- | — |
| Boston Mutual Life Ins Co | MA | A | — | — | — | B+ | — |
| Brighthouse Life Ins Co | DE | A | A | A3 | A- | B- | 74 |
| Brighthouse Life Ins Co of NY | NY | A | A | — | — | C | 78 |
| Brooke Life Ins Co | MI | A | — | — | — | — | — |
| C.M. Life Ins Co | CT | A++ | AA+ | Aa3 | AA+ | B | 98 |
| Canada Life Assur Co USB | MI | A+ | AA | — | AA | C | 96 |
| Canada Life Reins Co | PA | A+ | — | — | — | C+ | — |
| Capitol Life Ins Co | TX | A- | — | — | — | B- | — |
| CareAmerica Life Ins Co | CA | B++ | — | — | — | — | — |
| Caribbean American Life Assur | PR | A | — | — | — | B- | — |
| Catholic Life Ins | TX | A- | — | — | — | C+ | — |
| Catholic Order of Foresters | IL | B++ | — | — | — | C- | 49 |
| Censtat Life Assur Co | AZ | A- | — | — | — | — | — |
| Central States H&L Co of Omaha | NE | A- | — | — | — | A- | — |
| Ceres Life Ins Co | TX | B++ | — | — | — | — | — |
| Chesapeake Life Ins Co | OK | A | — | — | — | A+ | — |
| Christian Fidelity Life Ins Co | TX | A | — | — | — | B+ | — |
| CICA Life Ins Co of America | CO | B++ | — | — | — | C | — |
| Cigna Worldwide Ins Co | DE | A | A+ | — | — | B- | 81 |
| Cincinnati Equitable Life Ins | OH | A | — | — | — | B | — |
| Cincinnati Life Ins Co | OH | A+ | A+ | — | AA- | B- | 91 |
| CL Life & Ann Ins Co | UT | B++ | — | — | — | E+ | 49 |
| Clear Spring Life & Ann Co | DE | A- | — | — | — | B- | — |
| CMFG Life Ins Co | IA | A | A+ | A2 | — | B | 81 |
| Colonial Life & Acc Ins | SC | A | A | A2 | A | C+ | 78 |
| Colonial Penn Life Ins Co | PA | A | A- | A3 | A | D+ | 74 |
| Columbus Life Ins Co | OH | A+ | AA- | Aa3 | AA | C+ | 95 |
| Combined Ins Co of America | IL | A+ | — | — | — | C | — |
| Combined Life Ins Co of NY | NY | A+ | — | — | — | C+ | — |
| Commonwealth Ann & Life | MA | A | A | A2 | A | C | 78 |
| Companion Life Ins Co | NY | A+ | A+ | — | — | B- | 91 |
| Companion Life Ins Co | SC | A+ | — | — | — | B+ | — |
| Companion Life Ins Co of CA | CA | A+ | — | — | — | B+ | — |
| Connecticut General Life Ins | CT | A | A | A2 | A+ | B- | 79 |
| Continental American Ins Co | NE | A+ | — | — | — | B | — |
| Continental Life Brentwood TN | TN | A | — | — | — | B- | — |
| COUNTRY Investors Life Assur | IL | A+ | — | — | — | A- | — |
| COUNTRY Life Ins Co | IL | A+ | — | — | — | A+ | — |
| Crown Global Ins Co of America | DE | A- | — | — | — | E | — |
| CSI Life Ins Co | NE | A+ | — | — | — | B | — |
| Dearborn Life Ins Co | IL | A+ | A | — | — | B- | 86 |
| Dearborn Natl Life Ins of NY | NY | A+ | A | — | — | — | 86 |
| Delaware American Life Ins Co | DE | A+ | — | — | — | A- | — |
| Delaware Life Ins Co | DE | A- | A- | — | A- | B- | 56 |
| Eagle Life Ins Co | IA | A | A | — | A | B- | 78 |
| ELCO Mutual Life & Ann | IL | B++ | — | — | — | B | — |
| EMC National Life Co | IA | B++ | — | — | — | B | — |
| Empire Fidelity Investments Life | NY | A+ | A+ | — | — | B+ | 91 |
| Empower Ann Ins Co | CT | A+ | AA | Aa3 | AA | B- | 96 |
| Empower Ann Ins Co of Amer | CO | A+ | AA | Aa3 | AA | C | 96 |
| Empower Life & Ann of NY | NY | A+ | AA | Aa3 | AA | C | 96 |
| Enterprise Life Ins Co | TX | A | — | — | — | B+ | — |
| Equitable Finl Life Ins Co | NY | A | A+ | A1 | — | B- | 84 |
| Equitable Finl Life of America | AZ | A | A+ | A1 | — | C | 84 |
| EquiTrust Life Ins Co | AZ | B++ | A- | — | A- | B- | 52 |
| Erie Family Life Ins Co | PA | A | — | — | — | C+ | — |
| Everlake Assur Co | IL | A | — | — | — | C+ | — |
| Everlake Life Ins Co | IL | A | BBB | — | — | C+ | 72 |
| Everly Life Ins Co | WI | A- | — | — | — | C+ | — |
| Family Heritage Life of Amer | OH | A | — | — | — | B- | — |
| Family Life Ins Co | TX | B++ | — | — | — | C | 40 |
| Farm Bureau Life Ins Co | IA | A | — | — | — | B+ | — |
| Farm Bureau Life Ins Co of MI | MI | A | — | — | — | A- | — |
| Farm Bureau Life Ins Co of MO | MO | A- | — | — | — | B | — |
| Farmers Life Ins Co | TN | B++ | — | — | — | D | — |
| Farmers New World Life Ins Co | WA | A | — | — | — | B- | — |
| Federal Life Ins Co | IL | A- | — | — | — | D+ | — |
| Federated Life Ins Co | MN | A+ | — | — | — | A | — |
| Fidelity & Guar Life Ins Co | IA | A | A- | A3 | A- | D | 73 |
| Fidelity & Guar Life Ins of NY | NY | A | A- | — | A- | D+ | 74 |
| Fidelity Investments Life Ins | UT | A+ | A+ | — | — | B | 91 |
| Fidelity Life Association | IL | A- | — | — | — | C | — |
| Fidelity Security Life Ins Co | MO | A | — | — | — | A- | — |
| Fidelity Security Life of NY | NY | A | — | — | — | B | — |
| First Allmerica Financial Life | MA | A | A | A2 | A | C | 78 |
| First Berkshire Hathaway Life | NY | A+ | — | — | — | C+ | — |
| First Catholic Slovak Ladies | OH | A- | — | — | — | C+ | — |
| First Penn-Pacific Life Ins Co | IN | A | A- | A2 | A+ | C+ | 78 |
| First Reliance Standard Life | NY | A++ | A+ | — | — | A- | 93 |
| First Security Benefit L&A NY | NY | A- | A- | — | A- | B | 56 |
| First Symetra Nat Life Ins NY | NY | A | A | — | — | C+ | 78 |
| First Unum Life Ins Co | NY | A | A | A2 | A | C+ | 78 |
| Florida Combined Life Ins Co | FL | A | — | — | — | C+ | — |
| Forethought Life Ins Co | IN | A | A | A2 | A | B | 78 |
| Fortitude Life Ins & Ann | AZ | A | A- | — | — | B- | 75 |
| Freedom Life Ins Co of America | TX | A | — | — | — | B+ | — |
| Funeral Directors Life Ins Co | TX | A- | — | — | — | B | — |
| Gainbridge Life Ins Co | DE | A- | — | — | — | — | — |
| Garden State Life Ins Co | TX | A | — | — | — | A | — |
| GBU Financial Life | PA | A- | — | — | — | C+ | — |
| GCU | PA | A- | — | — | — | C+ | 56 |
| General Re Life Corporation | CT | A++ | AA+ | Aa1 | — | C | 100 |
| Gerber Life Ins Co | NY | A+ | — | — | — | B+ | — |
| Gleaner Life Ins Society | MI | B++ | — | — | — | C+ | 40 |
| Globe Life And Acc Ins Co | NE | A | AA- | — | AA- | C | 88 |
| Globe Life Ins Co of New York | NY | A | — | — | — | B | — |
| Government Personnel Mutual | TX | B++ | — | — | — | B- | — |
| GPM Health & Life Ins Co | TX | B++ | — | — | — | B | — |
| Great Southern Life Ins Co | TX | A | — | — | — | C | — |
| Great Western Ins Co | IA | A | — | — | — | C- | — |
| Guarantee Trust Life Ins Co | NE | A | — | — | — | B | — |
| Guaranty Income Life Ins Co | IA | A- | — | — | — | B | 56 |
| Guardian Ins & Ann Co | DE | A++ | AA+ | Aa1 | — | B | 100 |
| Guardian Life Ins Co of Amer | NY | A++ | AA+ | Aa1 | — | A | 100 |
| Gulf Guaranty Life Ins Co | MS | B++ | — | — | — | D+ | — |
| Hannover Life Reassur Amer | FL | A+ | AA- | — | — | B | 95 |
| Hartford Life & Acc Ins | CT | A+ | AA- | A1 | — | B- | 92 |
| HCC Life Ins Co | IN | A++ | A+ | — | AA- | B | 92 |
| Heartland National Life Ins Co | IN | B++ | — | — | — | C- | — |
| HM Life Ins Co | PA | A | — | — | — | B+ | — |
| HM Life Ins Co of New York | NY | A | — | — | — | B+ | — |
| Homesteaders Life Co | IA | A- | — | — | — | B | — |
| Horace Mann Life Ins Co | IL | A | A | A2 | — | B | 78 |
| Humana Ins Co of Kentucky | KY | A | A- | — | — | B | 75 |
| IA American Life Ins Co | TX | A | — | — | — | C | — |
| Ibexis Life & Ann Ins Co | MO | A- | — | — | — | C | — |
| IdeaLife Ins Co | CT | A- | — | — | — | C+ | — |
| Illinois Mutual Life Ins Co | IL | A- | — | — | — | B+ | — |
| Independence Life & Ann Co | DE | A | — | — | — | D+ | — |
| Independent Order ForestersUSB | TX | A | — | — | — | C- | — |
| Indiv Assur Co Life Hlth & Acc | OK | B++ | — | — | — | C | — |
| Industrial All Ins & Finl USB | TX | A+ | — | — | — | C- | — |
| Integrity Life Ins Co | OH | A+ | AA- | Aa3 | AA | C+ | 95 |
| Investors Heritage Life Ins Co | KY | B++ | BBB- | — | — | C+ | 39 |
| Investors Life Ins Co of NA | TX | B++ | — | — | — | B- | — |
| Investors Preferred Life Ins | SD | A- | — | — | — | E | — |
| Jackson National Life Ins Co | MI | A | A | A3 | A | B- | 76 |
| Jackson Natl Life Ins Co of NY | NY | A | A | A3 | A | B | 76 |
| Jefferson National Life Ins Co | TX | A+ | — | — | — | B | — |
| John Hancock Life & Health Ins | MA | A+ | AA- | Aa3 | AA | C | 95 |
| John Hancock Life Ins Co (USA) | MI | A+ | AA- | Aa3 | AA | C | 95 |
| John Hancock Life Ins Co of NY | NY | A+ | AA- | Aa3 | AA | C | 95 |
| Kansas City Life Ins Co | MO | A- | — | — | — | B- | — |
| Knights of Columbus | CT | A+ | AA+ | — | — | C+ | 98 |
| Lafayette Life Ins Co | OH | A+ | AA- | — | AA | B | 95 |
| Leaders Life Ins Co | OK | A- | — | — | — | B | — |
| Lewer Life Ins Co | MO | B++ | — | — | — | C | — |
| Liberty Bankers Life Ins Co | OK | A- | — | — | — | B- | — |
| Liberty National Life Ins Co | NE | A | AA- | A1 | AA- | B- | 88 |
| Life Ins Co of Alabama | AL | B++ | — | — | — | C+ | — |
| Life Ins Co of Boston & NY | NY | A | — | — | — | B+ | — |
| Life Ins Co of North America | IA | A++ | — | Aa1 | AAA | B | 100 |
| Life Ins Co of the Southwest | TX | A+ | A+ | A1 | — | B | 89 |
| Life of the South Ins Co | GA | A- | — | — | — | C | 56 |
| LifeShield National Ins Co | OK | B++ | — | — | — | C | — |
| Lincoln Benefit Life Co | NE | B++ | — | — | — | C | 40 |
| Lincoln Heritage Life Ins Co | IL | A | — | — | — | B- | — |
| Lincoln Life & Ann Co NY | NY | A | A+ | A2 | A+ | B | 82 |
| Lincoln National Life Ins Co | IN | A | A+ | A2 | A+ | C+ | 82 |
| Loyal American Life Ins Co | OH | A | — | — | — | B- | — |
| Madison National Life Ins Co | WI | A | — | — | — | B | — |
| Manhattan Life Ins Co | NY | B++ | — | — | — | B | 40 |
| Manhattan National Life Ins Co | OH | B++ | — | — | — | C+ | — |
| ManhattanLife Ins & Ann Co | TX | B++ | — | — | — | C+ | 40 |
| Massachusetts Mutual Life Ins | MA | A++ | AA+ | Aa3 | AA+ | B- | 98 |
| MassMutual Ascend Life Ins Co | OH | A++ | AA | Aa3 | — | B- | 97 |
| Medico Corp Life Ins Co | IA | A | — | — | — | B- | — |
| Medico Ins Co | IA | A | — | — | — | B- | — |
| Medico Life & Health Ins Co | IA | A | — | — | — | C+ | — |
| MEMBERS Life Ins Co | IA | A | A+ | A2 | — | B | 81 |
| Merit Life Ins Co. | OK | A- | — | — | — | C- | — |
| Metropolitan Life Ins Co | NY | A+ | AA- | Aa3 | AA- | B | 94 |
| Metropolitan Tower Life Ins Co | NE | A+ | AA- | Aa3 | AA- | C+ | 94 |
| Midland National Life Ins Co | IA | A+ | A+ | — | A+ | B | 88 |
| Minnesota Life Ins Co | MN | A+ | AA- | Aa3 | AA | C+ | 95 |
| MML Bay State Life Ins Co | CT | A++ | AA+ | Aa3 | AA+ | B- | 98 |
| Modern Woodmen of America | IL | A | — | — | — | C+ | 85 |
| Monitor Life Ins Co of NY | NY | A | — | — | — | C | — |
| MONY Life Ins Co | NY | A+ | A+ | A1 | AA- | B- | 90 |
| Multinational Life Ins Co | PR | A- | — | — | — | C | — |
| Munich American Reassur Co | GA | A+ | AA | — | — | C- | 97 |
| Mutual of America Life Ins Co | NY | A- | A- | — | BBB+ | B | 55 |
| Mutual of Omaha Ins Co | NE | A+ | A+ | A1 | — | B | 89 |
| Mutual Savings Life Ins Co | AL | A- | — | — | — | B- | — |
| Nassau Life & Ann Co | CT | B++ | BBB- | — | BBB+ | D | 48 |
| Nassau Life Ins Co | NY | B++ | BBB- | — | BBB+ | D- | 48 |
| Nassau Life Ins Co of Kansas | KS | B++ | BBB- | — | — | D | 39 |
| National Benefit Life Ins Co | NY | A+ | — | — | — | A- | — |
| National Farm Life Ins Co | TX | A- | — | — | — | B | — |
| National Foundation Life Ins | TX | A | — | — | — | B+ | — |
| National Guardian Life Ins Co | WI | A | — | — | — | B- | — |
| National Health Ins Co | TX | A | — | — | — | A- | — |
| National Income Life Ins Co | NY | A | — | — | — | B | — |
| National Integrity Life Ins Co | NY | A+ | AA- | Aa3 | AA | C+ | 95 |
| National Life Ins Co | VT | A+ | A+ | A1 | — | B | 89 |
| National Western Life Ins Co | AZ | A- | A- | — | — | B- | 61 |
| Nationwide Life & Ann Ins | OH | A+ | A+ | A1 | — | C | 89 |
| Nationwide Life & Benefits Ins | SC | A | — | — | — | B- | — |
| Nationwide Life Ins Co | OH | A+ | A+ | A1 | — | B- | 89 |
| Natl Security Life & Ann | NY | A- | A- | — | — | B- | 48 |
| Natl Teachers Assoc Life Ins | TX | A | — | — | — | B- | — |
| New England Life Ins Co | MA | A | A | A3 | A- | B- | 74 |
| New Era Life Ins Co | TX | A- | — | — | — | B- | — |
| New Era Life of the Midwest | TX | A- | — | — | — | C+ | — |
| New York Life Group Ins Co NY | NY | A++ | AAA | — | — | B | 100 |
| New York Life Ins & Ann | DE | A++ | AA+ | Aa1 | AAA | B | 100 |
| New York Life Ins Co | NY | A++ | AA+ | Aa1 | AAA | A- | 100 |
| Niagara Life & Health Ins Co | NY | A+ | — | — | — | B+ | — |
| North American Co for L&H Ins | IA | A+ | A+ | — | A+ | B | 88 |
| Northwestern Long Term Care | WI | A++ | AA+ | Aa1 | AAA | B+ | 100 |
| Northwestern Mutual Life Ins | WI | A++ | AA+ | Aa1 | AAA | B+ | 100 |
| NTA Life Ins Co of New York | NY | A | — | — | — | B | — |
| NYLIFE Ins Co of Arizona | AZ | A++ | AA+ | — | — | B+ | 100 |
| Occidental Life Ins Co of NC | TX | A | — | — | — | B- | — |
| Oceanview Life & Ann Co | AL | A | — | — | — | C- | — |
| Old American Ins Co | MO | B++ | — | — | — | C+ | — |
| Old Republic Life Ins Co | IL | A- | — | — | — | B+ | — |
| Old United Life Ins Co | AZ | A | — | — | — | B- | — |
| Optimum Re Ins Co | TX | A | — | — | — | C+ | — |
| Oxford Life Ins Co | AZ | A | — | — | — | B+ | — |
| Ozark National Life Ins Co | MO | A- | — | — | — | C+ | — |
| Pacific Beacon Life Reassur | HI | A | — | — | — | — | — |
| Pacific Guardian Life Ins Co | HI | A | A | — | — | B | 78 |
| Pacific Life & Ann Co | AZ | A+ | AA- | Aa3 | AA- | B+ | 94 |
| Pacific Life Ins Co | NE | A+ | AA- | Aa3 | AA- | A- | 94 |
| Pan-American Assur Co | LA | A | A | — | — | B | 78 |
| Pan-American Life Ins Co | LA | A | A | — | — | B- | 78 |
| Park Avenue Life Ins Co | DE | A++ | AA+ | — | — | B | 100 |
| Parker Centennial Assur Co | WI | A+ | — | — | — | A- | — |
| PartnerRe Life Re Co of Amer | AR | A+ | A+ | A1 | — | C | 89 |
| Patriot Life Ins Co | MI | A | — | — | — | B- | — |
| Paul Revere Life Ins Co | MA | A | A | A2 | A | C+ | 78 |
| Pekin Life Ins Co | IL | A- | — | — | — | B- | — |
| Penn Ins & Ann Co | DE | A+ | A+ | Aa3 | AA- | C+ | 93 |
| Penn Ins & Ann Co of NY | NY | A+ | A+ | Aa3 | AA- | C | 93 |
| Penn Mutual Life Ins Co | PA | A+ | A+ | Aa3 | AA- | B | 93 |
| Philadelphia American Life Ins | TX | A- | — | — | — | B | — |
| Physicians Life Ins Co | NE | A+ | — | — | — | B+ | — |
| Physicians Mutual Ins Co | NE | A+ | — | — | — | A+ | — |
| Pioneer American Ins Co | TX | A | — | — | — | C- | — |
| Pioneer Security Life Ins Co | TX | A | — | — | — | C- | — |
| Plateau Ins Co | TN | A- | — | — | — | B | — |
| Popular Life Re | PR | B++ | — | — | — | B | — |
| Primerica Life Ins Co | TN | A+ | AA- | A1 | — | B | 92 |
| Principal Life Ins Co | IA | A+ | A+ | A1 | AA- | B | 90 |
| Principal National Life Ins Co | IA | A+ | A+ | A1 | AA- | B- | 90 |
| Professional Ins Co | TX | B++ | — | — | — | D | — |
| Protective Life & Ann Ins | AL | A+ | AA- | — | AA- | C+ | 94 |
| Protective Life Ins Co | NE | A+ | AA- | Aa3 | AA- | B- | 94 |
| Provident Life & Acc | TN | A | A | A2 | A | C+ | 78 |
| Provident Life & Casualty | TN | A | A | — | — | B | 78 |
| Pruco Life Ins Co | AZ | A+ | AA- | Aa3 | AA- | C | 94 |
| Pruco Life Ins Co of NJ | NJ | A+ | AA- | — | AA- | C | 94 |
| Prudential Ins Co of America | NJ | A+ | AA- | Aa3 | AA- | B | 94 |
| Puritan Life Ins Co of America | AZ | B++ | — | — | — | C | — |
| Redbridge Ins Co | PR | B++ | — | — | — | — | — |
| Reliable Life Ins Co | MO | A- | A- | — | A- | B- | 56 |
| Reliance Standard Life Ins Co | IL | A++ | A+ | A1 | — | C+ | 91 |
| ReliaStar Life Ins Co | MN | A | A+ | A2 | A+ | C+ | 82 |
| ReliaStar Life Ins Co of NY | NY | A | A+ | A2 | A+ | B- | 82 |
| Renaissance L&H Ins Co of Amer | IN | A | — | — | — | C+ | — |
| Renaissance L&H Ins Co of NY | NY | A | — | — | — | B- | — |
| Reserve National Ins Co | IL | A- | — | — | — | C+ | — |
| Revol One Ins Co | MI | B++ | — | — | — | E+ | — |
| RGA Life & Ann Ins Co | MO | A+ | — | — | — | C | — |
| RGA Reins Co | MO | A+ | AA- | A1 | A+ | C | 90 |
| RiverSource Life Ins Co | MN | A+ | A+ | A1 | — | C+ | 89 |
| RiverSource Life Ins Co of NY | NY | A+ | A+ | A1 | — | C | 89 |
| Royal Neighbors of America | IL | A | — | — | — | C+ | — |
| S.USA Life Ins Co | AZ | A- | A- | — | — | C- | 61 |
| Sagicor Life Ins Co | TX | A- | — | — | — | D | — |
| Savings Bank Mutual Life of MA | MA | A | A- | — | — | B | 75 |
| SBLI USA Life Ins Co Inc. | NY | A- | — | — | — | B- | 56 |
| SCOR Global Life Americas Re | DE | A | A+ | — | A+ | C- | 83 |
| SCOR Global Life Re Co of DE | DE | A | A+ | — | — | C- | 82 |
| SCOR Global Life USA Re Co | DE | A | A+ | — | — | C+ | 82 |
| Securian Life Ins Co | MN | A+ | AA- | Aa3 | AA | B- | 95 |
| Security Benefit Life Ins Co | KS | A- | A- | — | A- | B | 56 |
| Security Mutual Life Ins of NY | NY | A- | — | — | — | C | — |
| Sentry Life Ins Co | WI | A+ | — | — | — | A | — |
| Sentry Life Ins Co of New York | NY | A+ | — | — | — | B | — |
| Shelter Life Ins Co | MO | A | — | — | — | B | — |
| ShelterPoint Ins Co | FL | A | — | — | — | B | — |
| ShelterPoint Life Ins Co | NY | A | A | — | — | A | 78 |
| Shenandoah Life Ins Co | VA | A- | — | — | — | C | 56 |
| Somerset Reins Co | FL | A | — | — | — | — | — |
| Southern Farm Bureau Life Ins | MS | A+ | — | — | — | A | — |
| Southern Financial Life Ins Co | KY | A- | — | — | — | C | 56 |
| Standard Ins Co | OR | A | A+ | A1 | — | B+ | 84 |
| Standard Life & Acc Ins | TX | A- | — | — | — | B | — |
| Standard Life & Casualty Ins | UT | B++ | — | — | — | B- | — |
| Standard Life Ins Co of NY | NY | A | — | — | — | A | — |
| Standard Security Life of NY | NY | A | — | — | — | B | — |
| Starmount Life Ins Co | ME | A | — | — | — | C | — |
| State Farm Life & Acc Assur Co | IL | A+ | — | Aa1 | — | A+ | 98 |
| State Farm Life Ins Co | IL | A+ | — | Aa1 | — | A+ | 98 |
| State Life Ins Co | IN | A+ | AA- | — | — | C+ | 95 |
| Sun Life & Health Ins Co US | MI | A+ | AA | — | — | D+ | 97 |
| Sun Life Assur of Canada USB | MI | A+ | AA | Aa3 | AA | E+ | 96 |
| SWBC Life Ins Co | TX | A- | — | — | — | B | — |
| Swiss Re Life & Health America | MO | A+ | AA- | Aa3 | — | B- | 95 |
| Symetra Life Ins Co | IA | A | A | A1 | — | C | 81 |
| Talcott Resolution L&A Ins Co | CT | A- | BBB+ | Baa1 | A- | B- | 57 |
| Talcott Resolution Life Ins Co | CT | A- | BBB+ | Baa1 | A- | B- | 57 |
| Teachers Ins & Ann Assn | NY | A++ | AA+ | Aa1 | AAA | A+ | 100 |
| Tennessee Farmers Life Ins Co | TN | A+ | — | — | — | B+ | — |
| Texas Life Ins Co | TX | A+ | A- | — | — | C+ | 83 |
| The Union Labor Life Ins Co | MD | A | — | — | — | B | — |
| Thrivent Finl for Lutherans | WI | A++ | AA+ | — | — | C+ | 100 |
| Trans World Assur Co | NV | B++ | — | — | — | B+ | — |
| Trans-City Life Ins Co. | AZ | B++ | — | — | — | C- | — |
| Trans-Oceanic Life Ins Co | PR | B++ | — | — | — | B | — |
| Transamerica Finl Life Ins Co | NY | A | A+ | A1 | — | B | 84 |
| Transamerica Life Ins Co | IA | A | A+ | A1 | — | B | 84 |
| Triple-S Vida Inc. | PR | A- | — | — | — | C+ | — |
| TruSpire Retirement Ins Co | TX | B++ | — | — | — | C- | — |
| Trustmark Ins Co | IL | A | — | — | — | B | — |
| Trustmark Life Ins Co | IL | A | — | — | — | A- | — |
| Trustmark Life Ins Co of NY | NY | A | — | — | — | B | — |
| Unified Life Ins Co | TX | B++ | — | — | — | C+ | — |
| Unimerica Ins Co | WI | A | — | — | — | B- | — |
| Unimerica Life Ins Co of NY | NY | A | — | — | — | B | — |
| Union National Life Ins Co | LA | A- | A- | — | A- | B- | 56 |
| Union Security Ins Co | IA | B++ | — | Baa1 | — | B- | 40 |
| United American Ins Co | NE | A | AA- | — | AA- | B | 88 |
| United Heritage Life Ins Co | ID | A- | — | — | — | B | 56 |
| United Home Life Ins Co | IN | A | — | — | — | B | — |
| United Ins Co of America | IL | A- | A- | A3 | A- | C+ | 59 |
| United Life Ins Co | IA | A- | — | — | — | B- | 56 |
| United National Life of Amer | NE | B++ | — | — | — | A- | — |
| United of Omaha Life Ins Co | NE | A+ | A+ | A1 | — | B | 89 |
| United States Life Ins in NY | NY | A | A+ | A2 | A+ | B- | 82 |
| United World Life Ins Co | NE | A+ | A+ | — | — | B+ | 91 |
| UnitedHealthcare Ins Co | CT | A | AA- | A1 | AA- | C+ | 88 |
| Unity Financial Life Ins Co | OH | B++ | — | — | — | C | — |
| Unum Ins Co | ME | A | — | A2 | A | C | 78 |
| Unum Life Ins Co of Amer | ME | A | A | A2 | A | C+ | 78 |
| USAA Life Ins Co | TX | A++ | AA | Aa1 | — | B+ | 99 |
| USAA Life Ins Co of NY | NY | A++ | AA | Aa1 | — | B | 99 |
| USAble Life | AR | A | A- | — | — | B | 75 |
| Variable Ann Life Ins Co | TX | A | A+ | A2 | A+ | B | 82 |
| Washington National Ins Co | IN | A | A- | A3 | A | D+ | 74 |
| Western & Southern Life Ins Co | OH | A+ | AA- | Aa3 | AA | B | 95 |
| Western United Life Ins Co | TX | B++ | — | — | — | B- | 40 |
| Western-Southern Life Assur Co | OH | A+ | AA- | Aa3 | AA | B | 95 |
| Wilcac Life Ins Co | IL | A+ | A- | — | — | C | 83 |
| William Penn Life Ins Co of NY | NY | A | A | — | A+ | C | 80 |
| Wilton Re Life Co of New York | NY | A+ | A- | — | — | C- | 83 |
| Wilton Reassur Co | MN | A+ | A- | — | — | C | 83 |
| Woodmen of the World Life Soc | NE | A+ | — | — | — | C+ | — |
| Wysh Life & Health Ins Co | WI | A- | — | — | — | B | — |
| Zurich American Life Ins Co | IL | A+ | — | — | — | C- | — |
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 ambest.com/ratings/notice. Data for Year-End 2025 from the life insurance companies' statutory annual statements. This information represents only a few aspects of a company's performance. All ratings shown are current as of Jul 15, 2026.
New York Life, Northwestern Mutual, Guardian, TIAA and Thrivent are the top-rated life insurance companies in the United States. Each holds A.M. Best's highest grade, A++ (Superior), and a perfect Comdex score of 100, meaning they rank at or above 99% of every rated insurer. No company scores higher.
Comdex blends every agency grade a company holds into a single percentile from 1 to 100, which makes carriers graded on different scales directly comparable. The annuity issuers below score highest among the companies we review, and each name links to its full review.
| Company | AM Best | S&P | Moody's | Fitch | Comdex |
|---|---|---|---|---|---|
| Berkshire Hathaway Life of NE | A++ | AA+ | — | — | 100 |
| Guardian Ins & Ann Co | A++ | AA+ | Aa1 | — | 100 |
| New York Life Ins & Ann | A++ | AA+ | Aa1 | AAA | 100 |
| Northwestern Mutual Life Ins | A++ | AA+ | Aa1 | AAA | 100 |
| Teachers Ins & Ann Assn | A++ | AA+ | Aa1 | AAA | 100 |
| Thrivent Finl for Lutherans | A++ | AA+ | — | — | 100 |
| USAA Life Ins Co | A++ | AA | Aa1 | — | 99 |
| Massachusetts Mutual Life Ins | A++ | AA+ | Aa3 | AA+ | 98 |
| State Farm Life Ins Co | A+ | — | Aa1 | — | 98 |
| MassMutual Ascend Life Ins Co | A++ | AA | Aa3 | — | 97 |
Our licensed team can match a top-rated carrier to your income goals. No cost, no pressure.
A.M. Best's scale runs from A++ (Superior) at the top down to F (In Liquidation) at the bottom, 15 grades in total. A++ and A+ are Superior, A and A- are Excellent, and B++ and B+ are Good. A.M. Best is the oldest agency focused specifically on insurers, which is why annuity buyers start there. For a multi-year guarantee you intend to hold, favor carriers rated A- or higher.
An A.M. Best A++ is equivalent to an S&P AAA, a Moody's Aaa and a Fitch AAA. Each agency uses its own notation for the same underlying strength levels, so use the crosswalk below to translate any rating you come across into a common language.
| Strength level | A.M. Best | S&P | Moody's | Fitch |
|---|---|---|---|---|
| Exceptional | A++ | AAA | Aaa | AAA |
| Superior | A+ | AA+, AA, AA- | Aa1, Aa2, Aa3 | AA+, AA, AA- |
| Excellent | A, A- | A+, A, A- | A1, A2, A3 | A+, A, A- |
| Good | B++, B+ | BBB+, BBB, BBB- | Baa1, Baa2, Baa3 | BBB+, BBB, BBB- |
| Fair / Marginal | B, B-, C++ | BB+, BB, BB- | Ba1, Ba2, Ba3 | BB+, BB, BB- |
A Comdex score is a composite percentile from 1 to 100 that averages every rating a company holds. A Comdex of 92 means the carrier ranks stronger than 92% of all rated insurers. Comdex is not a rating agency and issues no grades of its own, and it is only assigned to carriers rated by two or more agencies, which is why some rows in the chart are blank.
Looking up one specific carrier? Each review below lists that company’s current A.M. Best, S&P, Moody’s, Fitch and Weiss ratings alongside its Comdex score, product lineup and contact details. You can also type any carrier name into the search box in the chart above to see its ratings instantly.
Every carrier we cover is listed in the full carrier review directory.
Annuity company ratings and life insurance company ratings measure the same thing, the issuer’s ability to pay what it owes, because the same legal entity stands behind both products. What changes is how long you are exposed. A multi-year guaranteed annuity ties you to that carrier for the full surrender term, so financial strength carries more weight than it does on a short-term product.
Three things matter most when you compare annuity company ratings:
Financial strength is the floor, not the whole decision. Once a carrier clears your rating threshold, the rate, surrender schedule and income rider decide whether the contract is actually a good fit. See our top fixed annuity companies for carriers that clear both bars.
Life insurance companies are rated by independent credit rating agencies (CRAs) that analyze their financial statements, investment portfolios, and management practices. The four major agencies for U.S. insurers are AM Best, S&P Global Ratings, Moody’s Investors Service, and Fitch Ratings.
Each agency issues two primary scores: a Financial Strength Rating (FSR), which grades the company’s ability to pay claims, and an Issuer Credit Rating (ICR), which rates its general creditworthiness. For annuity buyers, the FSR is the more relevant number.
Rating agencies typically meet with company management annually, review audited financials, stress-test capital adequacy under multiple economic scenarios, and assess competitive positioning. A downgrade usually signals a deterioration in capital, earnings, or market position that developed over one or more years, not overnight.
Two additional rating firms you may encounter:
Four factors matter most when evaluating carrier strength for a life insurance policy or annuity purchase.
1. Start with the Comdex, confirm with AM Best. If a carrier has a Comdex of 85 or higher, that is a strong signal. Then verify the AM Best rating is at least A-. A high Comdex with a low AM Best rating is unusual, but if you see that combination, investigate further before committing.
2. Check how many agencies rate the carrier. A company rated by all four major agencies and holding A grades across the board is more reliable than one rated by AM Best alone. Single-agency ratings are not invalid, but they offer less information. The SEC maintains a list of Nationally Recognized Statistical Rating Organizations (NRSROs) – only ratings from these certified agencies carry regulatory weight.
3. Look beyond financial strength at customer satisfaction. Financial strength ratings tell you if the company can pay claims. They do not tell you whether it will pay promptly or treat you fairly. The J.D. Power U.S. Individual Life Insurance Study ranks carriers annually on customer satisfaction across price, communication, and claims experience. The NAIC Complaint Index shows how many complaints a carrier receives relative to its market share – a score below 1.00 means fewer complaints than average. Cross-reference financial strength with J.D. Power and NAIC data before committing.
4. Consider your state’s guaranty association limits. Even with a top-rated carrier, your state’s guaranty association provides a safety net if the company fails. Most states cover $250,000 per contract, though some cover more. If you are placing more than the limit, consider splitting the purchase between two carriers. NOLHGA has a state-by-state coverage lookup.
For a 60-year-old placing $200,000 into a 5-year MYGA, we typically recommend carriers with AM Best A or better and a Comdex above 80. That captures most top-rate MYGA issuers while filtering out carriers with meaningful financial risk. See our current MYGA rate comparison to see which top annuity companies offer the best rates today.
Never rely on a single source – including this page – as your only verification. Here are the official free lookup tools for each major rating agency.
These financial rating services rank insurance companies based on their financial strength and stability. To confirm a company’s current rating directly:
| Rating service | Phone | Website |
|---|---|---|
| A.M. Best Co. | 908-439-2200 | ambest.com |
| Fitch Ratings | 800-893-4824 | fitchratings.com |
| Moody’s Investor Service, Inc. | 212-553-0377 | moodys.com |
| Standard & Poor’s (S&P Global) | 800-523-4534 | spglobal.com/ratings |
| Weiss Ratings | 877-934-7778 | weissratings.com |
Agency contact details via the Washington State Office of the Insurance Commissioner.
| Agency | What It Covers | Free Lookup |
|---|---|---|
| AM Best | Financial Strength Ratings for U.S. insurers | ratings.ambest.com |
| S&P Global | Insurer Financial Strength (IFS) ratings | spglobal.com/ratings |
| Moody’s | Insurance Financial Strength Ratings | moodys.com |
| Fitch Ratings | Insurer Financial Strength ratings | fitchratings.com/sector/insurance |
| NAIC | Complaint data, licensing, market conduct | content.naic.org |
| J.D. Power | Annual customer satisfaction rankings | jdpower.com/insurance |
| NOLHGA | State guaranty association coverage limits | nolhga.com |
For Comdex scores, the data is compiled by Ebix (formerly EbixExchange) into a 1-100 percentile composite. It is not published directly by any single rating agency.
A++ (Superior) is AM Best’s highest rating. It is held by fewer than 20 U.S. life and annuity carriers, including New York Life, Northwestern Mutual, MassMutual, Guardian Life, and USAA.
A Comdex score above 85 is considered strong. Companies with scores in the 90s represent the most financially secure tier of rated insurers. A common rule of thumb is to avoid annuity carriers with a Comdex below 70 for retirement assets.
AM Best, S&P, Moody’s, and Fitch typically review insurer ratings at least annually, with interim reviews triggered by major events like acquisitions, reserve strengthening, or significant capital changes. Ratings can be raised, lowered, or placed on “review” (watch) status between annual cycles.
AM Best A- (Excellent) means the carrier has a strong ability to meet its ongoing obligations to policyholders. It is the minimum rating most financial planners recommend for annuity placements. The industry standard shorthand is “A-minus or better.”
AM Best specializes exclusively in insurance, meaning its methodology and scale are calibrated specifically for insurer risk. Moody’s covers all corporate and sovereign credit, with insurance being one sector among many. An AM Best A+ corresponds roughly to Moody’s Aa3. For insurance-specific analysis, AM Best ratings carry the most weight in the insurance industry.
Ratings on this page are compiled from each agency’s published financial-strength scale and year-end 2025 statutory filings. Grades change between updates, so confirm a carrier’s current rating with the agency before you buy.
How the 1 to 100 composite works and why it cuts through five different rating scales.
Read more →Our shortlist of top-rated MYGA carriers, ranked by strength, rate and renewal history.
Read more →Coverage limits by state and how your annuity is protected if an insurer ever fails.
Read more →
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