As Seen On:
Insurance Company Ratings Charts
Insurance company financial ratings are important because they are an indicator of an insurer’s ability to honor its commitments to its policyholders.
An insurance company rating chart lists an insurance company’s financial ratings issued by the four primary insurance rating agencies and their Comdex Rating (if applicable). Insurance company financial ratings are important because they are an indicator of an insurer’s ability to honor its commitments to its policyholders.
The table below lists the AM Best Rating and Comdex Score for most of the Top Life Insurance and Annuity Companies you’ll encounter. You can sort by company name, AM Best Rating, Comdex Score, and also search the table.
| Insurance Co. | ST | AM Best | S&P | Moody's | Fitch | Weiss | Comdex |
|---|---|---|---|---|---|---|---|
| Zurich American Life Ins Co NY | NY | NR | C (8) | ||||
| Zurich American Life Ins Co | IL | A+ (2) | A (6) | A3 (7) | C- (9) | 81 | |
| Woodmen of the World Life Soc | NE | A+ (2) | |||||
| Wilton Reassur Life of NY | NY | A+ (2) | A+ (5) | C (8) | 90 | ||
| Wilton Reassur Co | MN | A+ (2) | A+ (5) | D+ (10) | 90 | ||
| William Penn Life Ins Co of NY | NY | A+ (2) | AA- (4) | AA- (4) | C (8) | 94 | |
| William Penn Association | PA | B++ (5) | |||||
| Wilco Life Ins Co | IN | A+ (2) | A+ (5) | C (8) | 90 | ||
| Wilcac Life Ins Co | IL | A+ (2) | C (8) | ||||
| Wichita National Life Ins Co | OK | B+ (6) | C- (9) | ||||
| Westport Life Ins Co | AZ | NR | |||||
| Western-Southern Life Assur | OH | A+ (2) | AA- (4) | Aa3 (4) | AA (3) | B (5) | 96 |
| Western United Life Assur Co | WA | B+ (6) | B- (6) | ||||
| Western American Life Ins Co | TX | D+ (10) | |||||
| Western & Southern Life Ins Co | OH | A+ (2) | AA- (4) | Aa3 (4) | AA (3) | B (5) | 96 |
| West Coast Life Ins Co | NE | A+ (2) | AA- (4) | A1 (5) | A+ (5) | B- (6) | 91 |
| Washington National Ins Co | IN | A- (4) | A- (7) | A3 (7) | A- (7) | D+ (10) | 62 |
| Voya Retirement Ins & Ann Co | CT | NR | A+ (5) | A2 (6) | A (6) | B+ (4) | 80 |
| Versant Life Ins Co | MS | A- (4) | B- (6) | ||||
| Variable Ann Life Ins Co | TX | A (3) | A+ (5) | A2 (6) | A+ (5) | B (5) | 82 |
| Vantis Life Ins Co of NY | NY | A+ (2) | B (5) | ||||
| Vantis Life Ins Co | CT | A+ (2) | C+ (7) | ||||
| USIC Life Ins Co | PR | B++ (5) | C (8) | ||||
| USAble Life | AR | A (3) | A- (7) | A- (3) | 75 | ||
| USAA Life Ins Co of NY | NY | A++ (1) | AA+ (2) | Aa1 (2) | B+ (4) | 99 | |
| USAA Life Ins Co | TX | A++ (1) | AA+ (2) | Aa1 (2) | A (2) | 99 | |
| Unum Life Ins Co of Amer | ME | A (3) | A (6) | A2 (6) | A (6) | C+ (7) | 78 |
| Unum Ins Co | ME | A- (4) | A2 (6) | A (6) | C (8) | 65 | |
| Universal Life Ins Co | PR | B+ w (6) | B+ (4) | ||||
| Univantage Ins Co | UT | U | |||||
| Unity Financial Life Ins Co | OH | B++ (5) | C- (9) | ||||
| UnitedHealthcare Life Ins Co | WI | A (3) | C (8) | ||||
| UnitedHealthcare Ins Co | CT | A (3) | AA (3) | A1 (5) | AA- (4) | C (8) | 89 |
| United World Life Ins Co | NE | A+ (2) | A+ (5) | B+ (4) | 91 | ||
| United States Life Ins of NY | NY | A (3) | A+ (5) | A2 (6) | A+ (5) | C+ (7) | 82 |
| United Security Assur Co of PA | PA | C- (12) | E+ (13) | ||||
| United of Omaha Life Ins Co | NE | A+ (2) | A+ (5) | A1 (5) | B (5) | 90 | |
| United National Life of Amer | IL | B++ (5) | B (5) | ||||
| United Life Ins Co | IA | A- (4) | B (5) | ||||
| United Ins Co of America | IL | A- (4) | A- (7) | A3 (7) | A- (7) | B- (6) | 62 |
| United Home Life Ins Co | IN | A- (4) | B (5) | ||||
| United Heritage Life Ins Co | ID | B++ (5) | B (5) | ||||
| United Fidelity Life Ins Co | TX | C (8) | |||||
| United Farm Family Life Ins Co | IN | A (3) | A (2) | ||||
| United Benefit Life Ins Co | OH | U | |||||
| United American Ins Co | NE | A+ (2) | AA- (4) | A+ (5) | B- (6) | 91 | |
| Union Security Life Ins NY | NY | B++ (5) | C+ (7) | ||||
| Union Security Ins Co | KS | B++ (5) | A (6) | Baa1 w- (8) | B (5) | 53 | |
| Union National Life Ins Co | LA | A- (4) | A- (7) | A- (7) | B (5) | 59 | |
| Union Labor Life Ins Co | MD | A- (4) | B (5) | ||||
| Union Fidelity Life Ins Co | KS | NR | E (14) | ||||
| Unimerica Life Ins Co of NY | NY | A (3) | B- (6) | ||||
| Unimerica Ins Co | WI | A (3) | B (5) | ||||
| Unified Life Ins Co | TX | B++ (5) | B (5) | ||||
| UNICARE Life & Health Ins Co | IN | A- (4) | B- (6) | ||||
| U.S. Financial Life Ins Co | OH | A- w (4) | B (5) | ||||
| Trustmark Life Ins Co of NY | NY | A- (4) | B (5) | ||||
| Trustmark Life Ins Co | IL | A- (4) | B+ (4) | ||||
| Trustmark Ins Co | IL | A- (4) | B+ (4) | ||||
| Triple-S Vida Inc. | PR | B++ (5) | B- (6) | ||||
| Triple-S Blue Inc. I.I. | PR | B++ (5) | D+ (10) | ||||
| Transamerica Premier Life Ins Co | IA | A (3) | A+ (5) | A1 (5) | A+ (5) | C+ (7) | 84 |
| Transamerica Life Ins Co | IA | A (3) | A+ (5) | A1 (5) | A+ (5) | B (5) | 84 |
| Transamerica Financial Life | NY | A (3) | A+ (5) | A1 (5) | A+ (5) | B (5) | 84 |
| Transamerica Advisors Life Ins | AR | NR | |||||
| Trans-Oceanic Life Ins Co | PR | B++ (5) | A- (3) | ||||
| Trans-City Life Ins Co | AZ | A- (4) | C- (9) | ||||
| Trans World Assur Co | CA | B++ (5) | B+ (4) | ||||
| TPM Life Ins Co | PA | NR | B (5) | ||||
| Tier One Ins Co | OK | NR | U | ||||
| TIAA-CREF Life Ins Co | NY | A++ (1) | AA+ (2) | Aa1 (2) | AAA (1) | B (5) | 99 |
| Thrivent Life Ins Co | WI | NR | B (5) | ||||
| Thrivent Finl for Lutherans | WI | A++ (1) | AA+ (2) | 99 | |||
| Texas Life Ins Co | TX | A+ (2) | A+ (5) | C+ (7) | 90 | ||
| Texas Directors Life Ins Co | TX | B (5) | |||||
| Tennessee Life Ins Co | AZ | ||||||
| Tennessee Farmers Life Ins Co | TN | A+ (2) | B+ (4) | ||||
| Teachers Ins & Ann Assoc | NY | A++ (1) | AA+ (2) | Aa1 (2) | AAA (1) | A+ (1) | 99 |
| Talcott Resolution Life Ins Co | CT | B++ (5) | BBB (9) | Baa3 (10) | C+ (7) | 48 | |
| Talcott Resolution L&A Ins Co | CT | B++ (5) | BBB (9) | Baa3 (10) | B- (6) | 48 | |
| Talcott Resolution Int Life Re | CT | NR | U | ||||
| Symetra National Life Ins Co | IA | A- (3) | |||||
| Symetra Life Ins Co | IA | A (3) | A (6) | A1 (5) | A+ (5) | B (5) | 82 |
| Swiss Re Life & Health America | MO | A+ (2) | AA- (4) | Aa3 (4) | C+ (7) | 95 | |
| SWBC Life Ins Co | TX | B++ (5) | A- (3) | ||||
| Supreme Council Royal Arcanum | MA | ||||||
| Sunset Life Ins Co of America | MO | A- (4) | B- (6) | ||||
| Sun Life Assur | CN | A+ (2) | AA (3) | Aa3 (4) | AA (3) | 97 | |
| Sun Life & Health Ins Co US | MI | A+ (2) | AA (3) | D (11) | 97 | ||
| Structured Ann Reins Co | IA | NR | U | ||||
| Sterling Life Ins Co | IL | NR | B- (6) | ||||
| State Life Ins Co | IN | A+ (2) | AA- (4) | B (5) | 95 | ||
| State Farm Life Ins Co | IL | A++ (1) | AA (3) | Aa1 (2) | A+ (1) | 98 | |
| State Farm Life & Acc Assur Co | IL | A++ (1) | AA (3) | Aa1 (2) | A+ (1) | 98 | |
| State Farm Health Ins Co | IL | U | |||||
| Starmount Life Ins Co | ME | A- (4) | C (8) | ||||
| Standard Security Life of NY | NY | A- (4) | B+ (4) | ||||
| Standard Life Ins of NY | NY | A (3) | A- (3) | ||||
| Standard Life & Casualty Ins | UT | B (7) | D (11) | ||||
| Standard Life & Acc Ins | TX | A (3) | A- (7) | A- (3) | 75 | ||
| Standard Ins Co | OR | A (3) | A+ (5) | A1 (5) | B+ (4) | 84 | |
| SPJST | TX | B (7) | |||||
| Southwest Credit Life Inc. | NM | U | |||||
| Southern Life & Health Ins Co | WI | U | |||||
| Southern Financial Life Ins Co | KY | A- (4) | C (8) | ||||
| Southern Financial Life Ins Co | LA | D+ (10) | |||||
| Southern Farm Bureau Life Ins | MS | A+ (2) | A (2) | ||||
| Sheridan Life Ins Co | OK | U | |||||
| Shenandoah Life Ins Co | VA | A- (4) | B- (6) | ||||
| ShelterPoint Life Ins Co | NY | A- (4) | A- (7) | A (2) | 55 | ||
| ShelterPoint Ins Co | FL | A- (4) | B (5) | ||||
| Shelter Life Ins Co | MO | A (3) | B (5) | ||||
| Settlers Life Ins Co | WI | A- (4) | B (5) | ||||
| Sentry Life Ins Co of New York | NY | A+ (2) | B (5) | ||||
| Sentry Life Ins Co | WI | A+ (2) | A (2) | ||||
| Sentinel Security Life Ins Co | UT | B++ (5) | D (11) | ||||
| Sentinel American Life Ins Co | TX | NR | U | ||||
| Security Mutual Life of NY | NY | A- (4) | C (8) | ||||
| Security Life of Denver Ins Co | CO | NR | A+ w- (5) | A3 (7) | A w- (6) | B- (6) | 77 |
| Security Benefit Life Ins Co | KS | A- (4) | A- (7) | B (5) | 55 | ||
| Securian Life Ins Co | MN | A+ (2) | AA- (4) | Aa3 (4) | AA (3) | B (5) | 96 |
| SCOR Global Life USA Re Co | DE | A+ (2) | AA- (4) | B- (6) | 95 | ||
| SCOR Global Life Reins Co DE | DE | A+ (2) | AA- (4) | C (8) | 95 | ||
| SCOR Global Life Americas Rein | DE | A+ (2) | AA- (4) | AA- (4) | C (8) | 94 | |
| SBLI USA Life Ins Co | NY | A- (4) | B- (6) | ||||
| Savings Bank Mutual Life Ins | MA | A (3) | A- (7) | B+ (4) | 75 | ||
| Sagicor Life Ins Co | TX | A- (4) | C- (9) | ||||
| S.USA Life Ins Co | AZ | A- (4) | B- (6) | ||||
| Royal Neighbors of America | IL | A- (4) | |||||
| RiverSource Life Ins Co of NY | NY | A+ (2) | AA- (4) | Aa3 (4) | C (8) | 95 | |
| RiverSource Life Ins Co | MN | A+ (2) | AA- (4) | Aa3 (4) | C+ (7) | 95 | |
| RGA Reins Co | MO | A+ (2) | AA- (4) | A1 (5) | A (6) | B- (6) | 89 |
| Resource Life Ins Co | IL | NR | U | ||||
| Reserve National Ins Co | OK | A- (4) | B- (6) | ||||
| ReliaStar Life Ins Co of NY | NY | A (3) | A+ (5) | A2 (6) | A (6) | B (5) | 80 |
| ReliaStar Life Ins Co | MN | A (3) | A+ (5) | A2 (6) | A (6) | B- (6) | 80 |
| Reliance Standard Life of TX | TX | U | |||||
| Reliance Standard Life Ins Co | IL | A+ (2) | A+ (5) | A2 (6) | C+ (7) | 87 | |
| Reliable Life Ins Co | MO | A- (4) | A- (7) | A- (7) | B- (6) | 59 | |
| Reinsurance Co of Missouri | MO | C (8) | |||||
| Regal Reins Co | MA | U | |||||
| Puritan Life Ins Co of Amer | TX | B++ (5) | C (8) | ||||
| Prudential Retirement Ins&Ann | CT | A+ (2) | AA- (4) | Aa3 (4) | AA- (4) | B- (6) | 95 |
| Prudential Legacy Ins Co NJ | NJ | NR | D+ (10) | ||||
| Prudential Ins Co of America | NJ | A+ (2) | AA- (4) | Aa3 (4) | AA- (4) | B (5) | 95 |
| Prudential Annuities Life Assur | AZ | A+ (2) | AA- (4) | AA- (4) | B- (6) | 94 | |
| Pruco Life Ins Co of NJ | NJ | A+ (2) | AA- (4) | AA- (4) | B- (6) | 94 | |
| Pruco Life Ins Co | AZ | A+ (2) | AA- (4) | Aa3 (4) | AA- (4) | C+ (7) | 95 |
| Provident Life & Casualty | TN | A (3) | A (6) | B- (6) | 78 | ||
| Provident Life & Acc | TN | A (3) | A (6) | A2 (6) | A (6) | C+ (7) | 78 |
| Provident Amer Life & Health | OH | A (3) | B (5) | ||||
| Protective Life Ins Co | TN | A+ (2) | AA- (4) | A1 (5) | A+ (5) | B (5) | 91 |
| Protective Life & Ann Ins | AL | A+ (2) | AA- (4) | A+ (5) | C+ (7) | 91 | |
| Professional Ins Co | TX | B++ (5) | C- (9) | ||||
| Principal National Life Ins Co | IA | A+ (2) | A+ (5) | A1 (5) | AA- (4) | B (5) | 91 |
| Principal Life Ins Co | IA | A+ (2) | A+ (5) | A1 (5) | AA- (4) | B+ (4) | 91 |
| Primerica Life Ins Co | TN | A+ (2) | AA- (4) | A1 (5) | B (5) | 93 | |
| Preneed Reins Co of Amer | AZ | B (5) | |||||
| Popular Life Re | PR | B++ (5) | B (5) | ||||
| Plateau Ins Co | TN | A- (4) | C (8) | ||||
| Pioneer Security Life Ins Co | TX | A (3) | C- (9) | ||||
| Pioneer Mutual Life Ins Co | ND | NR | B (5) | ||||
| Pioneer American Ins Co | TX | A (3) | C- (9) | ||||
| Physicians Mutual Ins Co | NE | A (3) | A+ (1) | ||||
| Physicians Life Ins Co | NE | A (3) | A- (3) | ||||
| Physicians Benefits Trust Life | IL | C+ (7) | |||||
| PHL Variable Ins Co | CT | B (7) | D (11) | ||||
| Philadelphia American Life Ins | TX | B++ (5) | B (5) | ||||
| Performance Life of America | LA | A- (4) | B- (6) | ||||
| Penn Mutual Life Ins Co | PA | A+ (2) | A+ (5) | Aa3 (4) | B (5) | 93 | |
| Penn Ins & Ann Co | DE | A+ (2) | A+ (5) | Aa3 (4) | C+ (7) | 93 | |
| Pekin Life Ins Co | IL | A- (4) | B (5) | ||||
| Pekin Financial Life Ins Co | AZ | ||||||
| Paul Revere Life Ins Co | MA | A (3) | A (6) | A2 (6) | A (6) | C+ (7) | 78 |
| Patriot Life Ins Co | MI | A (3) | B- (6) | ||||
| PartnerRe Life Reins America | AR | A+ w (2) | C (8) | ||||
| Parker Centennial Assur Co | WI | A+ (2) | A (2) | ||||
| Park Avenue Life Ins Co | DE | NR | B (5) | ||||
| Pan-American Life Ins Co of PR | PR | NR | B (5) | ||||
| Pan-American Life Ins Co | LA | A (3) | A (6) | B (5) | 78 | ||
| Pan-American Assur Co | LA | A (3) | A (6) | B+ (4) | 78 | ||
| PacifiCare Life & Health Ins | IN | NR | AA- (4) | B (5) | |||
| Pacific Life Ins Co | NE | A+ (2) | AA- (4) | A1 (5) | AA- (4) | A- (3) | 93 |
| Pacific Life & Ann Co | AZ | A+ (2) | AA- (4) | A1 (5) | AA- (4) | B+ (4) | 93 |
| Pacific Guardian Life Ins Co | HI | A (3) | A (6) | A- (3) | 78 | ||
| Pacific Beacon Life Reassur | HI | A (3) | |||||
| Ozark National Life Ins Co | MO | A- (4) | C (8) | ||||
| Oxford Life Ins Co | AZ | A- (4) | B+ (4) | ||||
| Order of United Comml Trvlrs | OH | B (7) | |||||
| Optum Ins of Ohio Inc. | OH | B (5) | |||||
| Optimum Re Ins Co | TX | A (3) | C+ (7) | ||||
| Omaha Ins Co | NE | NR | B- (6) | ||||
| Old United Life Ins Co | AZ | A (3) | B (5) | ||||
| Old Republic Life Ins Co | IL | B++ (5) | B- (6) | ||||
| Old American Ins Co | MO | A- (4) | B- (6) | ||||
| Ohio State Life Ins Co | TX | NR | B- (6) | ||||
| Ohio National Life Ins Co | OH | A (3) | A- (7) | A3 (7) | C+ (7) | 74 | |
| Ohio National Life Assur Corp | OH | A (3) | A- (7) | A3 (7) | B (5) | 74 | |
| Occidental Life Ins Co of NC | TX | A (3) | C (8) | ||||
| NYLIFE Ins Co of Arizona | AZ | B+ (4) | |||||
| NTA Life Ins Co of NY | NY | A- (4) | B (5) | ||||
| Northwestern Mutual Life Ins | WI | A++ (1) | AA+ (2) | Aaa (1) | AAA (1) | B+ (4) | 100 |
| Northwestern Long Term Care | WI | A++ (1) | AA+ (2) | Aaa (1) | AAA (1) | B (5) | 100 |
| North American Ins Co | WI | B++ (5) | B+ (4) | ||||
| North American Co for L&H | IA | A+ (2) | A+ (5) | A+ (5) | B (5) | 89 | |
| Nippon Life Ins Co of Amer | IA | A- (4) | A- (3) | ||||
| Niagara Life & Health Ins Co | NY | A+ (2) | B (5) | ||||
| New York Life Ins Co | NY | A++ (1) | AA+ (2) | Aaa (1) | AAA (1) | A- (3) | 100 |
| New York Life Ins & Ann | DE | A++ (1) | AA+ (2) | Aaa (1) | AAA (1) | B+ (4) | 100 |
| New Era Life Ins Co Midwest | TX | B++ (5) | C+ (7) | ||||
| New Era Life Ins Co | TX | B++ (5) | C (8) | ||||
| New England Life Ins Co | MA | A (3) | A+ (5) | A3 (7) | A (6) | B (5) | 78 |
| Natl Teachers Assoc Life Ins | TX | A- (4) | B (5) | ||||
| Natl Security Life & Ann | NY | A- (4) | B- (6) | ||||
| Natl Farmers Union Life Ins Co | TX | B+ (6) | B+ (4) | ||||
| Nationwide Life Ins Co | OH | A+ (2) | A+ (5) | A1 (5) | B- (6) | 90 | |
| Nationwide Life & Ann Ins | OH | A+ (2) | A+ (5) | A1 (5) | C (8) | 90 | |
| National Western Life Ins Co | CO | A (3) | A- (7) | B- (6) | 75 | ||
| National Security Ins Co | AL | B++ (5) | B (5) | ||||
| National Life Ins Co | VT | A (3) | A+ (5) | A2 (6) | B- (6) | 81 | |
| National Integrity Life Ins Co | NY | A+ (2) | AA- (4) | Aa3 (4) | AA (3) | B (5) | 96 |
| National Income Life Ins | NY | A+ (2) | B+ (4) | ||||
| National Health Ins Co | TX | A- (4) | C (8) | ||||
| National Guardian Life Ins Co | WI | A- (4) | B (5) | ||||
| National Foundation Life Ins | TX | A- (4) | B+ (4) | ||||
| National Farm Life Ins Co | TX | B++ (5) | B (5) | ||||
| National Benefit Life Ins Co | NY | A+ (2) | A- (3) | ||||
| Nassau Life Ins Co of Kansas | KS | B+ (6) | D (11) | ||||
| Nassau Life Ins Co | NY | B+ (6) | BB+ (11) | D- (12) | 36 | ||
| Nassau Life & Ann Co | CT | B+ (6) | BB+ (11) | D (11) | 36 | ||
| Mutual Trust Life Ins Co | IL | A (3) | A (6) | B (5) | 78 | ||
| Mutual Savings Life Ins Co | AL | A- (4) | B (5) | ||||
| Mutual of Omaha Ins Co | NE | A+ (2) | A+ (5) | A1 (5) | B- (6) | 90 | |
| Mutual of America Life Ins Co | NY | A+ (2) | A+ (5) | AA- (4) | B+ (4) | 92 | |
| Munich American Reassur Co | GA | A+ (2) | AA- (4) | C (8) | 95 | ||
| Multinational Life Ins Co | PR | B++ (5) | C- (9) | ||||
| Mountain Life Ins Co | TN | B+ (6) | C- (9) | ||||
| Motorists Life Ins Co | OH | A- (4) | B- (6) | ||||
| MONY Life Ins Co of Amer | AZ | A (3) | A+ (5) | A2 (6) | B (5) | 81 | |
| MONY Life Ins Co | NY | A+ (2) | A+ (5) | A1 (5) | A+ (5) | B- (6) | 89 |
| Monitor Life Ins Co of NY | NY | A- (4) | B (5) | ||||
| Monarch Life Ins Co | MA | E (14) | F (16) | ||||
| Modern Woodmen of America | IL | A (3) | |||||
| MML Bay State Life Ins Co | CT | A++ (1) | AA+ (2) | Aa3 (4) | AA+ (2) | B (5) | 98 |
| Minnesota Life Ins Co | MN | A+ (2) | AA- (4) | Aa3 (4) | AA (3) | B+ (4) | 96 |
| Midwestern United Life Ins Co | IN | NR | A+ w- (5) | B (5) | |||
| Midland National Life Ins Co | IA | A+ (2) | A+ (5) | A+ (5) | B+ (4) | 89 | |
| Mid-West National Life of TN | TX | NR | B (5) | ||||
| Metropolitan Tower Life Ins Co | NE | A+ (2) | AA- (4) | Aa3 (4) | AA- (4) | B- (6) | 95 |
| Metropolitan Life Ins Co | NY | A+ (2) | AA- (4) | Aa3 (4) | AA- (4) | B- (6) | 95 |
| Merit Life Ins Co | IN | B+ w (6) | B- (6) | ||||
| MEMBERS Life Ins Co | IA | A (3) | A+ (5) | A2 (6) | B (5) | 81 | |
| Medico Life & Health Ins Co | IA | A- (4) | C (8) | ||||
| Medico Ins Co | IA | A- (4) | B- (6) | ||||
| Medico Corp Life Ins Co | IA | A- (4) | B- (6) | ||||
| Massachusetts Mutual Life Ins | MA | A++ (1) | AA+ (2) | Aa3 (4) | AA+ (2) | A- (3) | 98 |
| Marquette Indemnity & Life Ins | AZ | D+ (10) | |||||
| ManhattanLife Assur Co of Amer | AR | B+ (6) | C (8) | ||||
| Manhattan National Life Ins Co | OH | B++ (5) | B- (6) | ||||
| Manhattan Life Ins Co | NY | B+ (6) | B (5) | ||||
| Madison National Life Ins Co | WI | A- (4) | A- (3) | ||||
| Lumico Life Ins Co of New York | NY | A (3) | |||||
| Lumico Life Ins Co | MO | A (3) | C (8) | ||||
| Loyal American Life Ins Co | OH | A (3) | B- (6) | ||||
| London Life Reins Co | PA | A+ (2) | C+ (7) | ||||
| Lombard Intl Life Assur Co NY | NY | A- (4) | U | ||||
| Lombard Intl Life Assur Co | PA | A- (4) | E (14) | ||||
| Lincoln National Life Ins Co | IN | A+ (2) | AA- (4) | A1 (5) | A+ (5) | B (5) | 91 |
| Lincoln Life & Ann Co NY | NY | A+ (2) | AA- (4) | A1 (5) | A+ (5) | B (5) | 91 |
| Lincoln Heritage Life Ins Co | IL | A- (4) | B- (6) | ||||
| Lincoln Benefit Life Co | NE | A- (4) | BBB w (9) | C+ (7) | 52 | ||
| LifeWise Assur Co | WA | A (3) | A (2) | ||||
| LifeShield National Ins Co | OK | B++ (5) | B- (6) | ||||
| LifeSecure Ins Co | MI | NR | D (11) | ||||
| LifeMap Assur Co | OR | A- (4) | B- (6) | ||||
| LifeCare Assur Co | AZ | C (8) | |||||
| Life of the South Ins Co | GA | A- (4) | C (8) | ||||
| Life of America Ins Co | TX | NR | C (8) | ||||
| Life Ins of North Amer | PA | A w (3) | A2 (6) | A w+ (6) | B (5) | 78 | |
| Life Ins Co of Southwest | TX | A (3) | A+ (5) | A2 (6) | B (5) | 81 | |
| Life Ins Co of Louisiana | LA | B+ (6) | D (11) | ||||
| Life Ins Co of Boston & NY | NY | A (3) | A- (3) | ||||
| Life Ins Co of Alabama | AL | B++ (5) | B (5) | ||||
| Life Assur Co | OK | C- (9) | |||||
| Liberty National Life Ins Co | NE | A+ (2) | AA- (4) | A1 (5) | A+ (5) | B (5) | 91 |
| Liberty Life Assur of Boston | NH | A+ (2) | AA- (4) | B- (6) | 95 | ||
| Liberty Bankers Life Ins Co | OK | B++ (5) | C (8) | ||||
| Lewer Life Ins Co | MO | B+ (6) | C (8) | ||||
| Legacy Life Ins Co of Missouri | MO | NR | U | ||||
| Leaders Life Ins Co | OK | A (3) | B (5) | ||||
| Langhorne Re (Arizona) Ltd | AZ | NR | C (8) | ||||
| Landmark Life Ins Co | TX | B (7) | C (8) | ||||
| Landcar Life Ins Co | UT | NR | U | ||||
| Lafayette Life Ins Co | OH | A+ (2) | AA- (4) | AA (3) | B (5) | 95 | |
| Knights of Columbus | CT | A+ (2) | AA+ (2) | 98 | |||
| Kentucky Home Life Ins Co | KY | C- (9) | |||||
| Kentucky Funeral Directors Life | KY | A- (4) | B- (6) | ||||
| Kansas City Life Ins Co | MO | A (3) | B (5) | ||||
| John Hancock Life Ins Co NY | NY | 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 & Health Ins | MA | A+ (2) | AA- (4) | A1 (5) | AA- (4) | B (5) | 93 |
| Jefferson National Life Ins NY | NY | NR | B- (6) | ||||
| Jefferson National Life Ins Co | TX | A+ (2) | C (8) | ||||
| Jamestown Life Ins Co | VA | C+ (7) | |||||
| Jackson National Life Ins of NY | NY | A+ (2) | AA- (4) | A1 (5) | A+ (5) | B (5) | 91 |
| Jackson National Life Ins Co | MI | A+ (2) | AA- (4) | A1 (5) | A+ (5) | B (5) | 91 |
| Investors Life Ins Co of NA | TX | B+ (6) | B (5) | ||||
| Investors Heritage Life Ins Co | KY | B+ (6) | C- (9) | ||||
| Investors Growth Life Ins Co | AZ | ||||||
| Intramerica Life Ins Co | NY | B++ (5) | B (5) | ||||
| Integrity Life Ins Co | OH | A+ (2) | AA- (4) | Aa3 (4) | AA (3) | B- (6) | 96 |
| Individual Assur Life Hlth & Acc | OK | B+ (6) | D+ (10) | ||||
| Independence Life & Ann Co | DE | A- (4) | C- (9) | ||||
| Illinois Mutual Life Ins Co | IL | A- (4) | B+ (4) | ||||
| IdeaLife Ins Co | CT | A- (4) | B- (6) | ||||
| IA American Life Ins Co | TX | A (3) | C (8) | ||||
| Humana Ins of Puerto Rico Inc | PR | B++ (5) | C+ (7) | ||||
| Humana Ins Co of KY | KY | A- (4) | A (6) | B+ (4) | 58 | ||
| Horace Mann Life Ins Co | IL | A (3) | A (6) | A2 (6) | A (6) | B (5) | 78 |
| Homesteaders Life Co | IA | A- (4) | B (5) | ||||
| HM Life Ins Co NY | NY | A (3) | B (5) | ||||
| HM Life Ins Co | PA | A (3) | B (5) | ||||
| Hermann Sons Life | TX | ||||||
| Heartland National Life Ins Co | IN | NR | C+ (7) | ||||
| HCC Life Ins Co | IN | A++ (1) | A+ (5) | AA- (4) | B (5) | 92 | |
| Hartford Life & Acc Ins | CT | A (3) | A+ (5) | A2 (6) | C (8) | 81 | |
| Harleysville Life Ins Co | OH | A- (4) | B (5) | ||||
| Hannover Life Reassur Amer | FL | A+ (2) | AA- (4) | B+ (4) | 95 | ||
| Guggenheim Life & Ann Co | DE | A- (4) | B- (6) | ||||
| Guardian Life Ins Co of Amer | NY | A++ (1) | AA+ (2) | Aa2 (3) | AA+ (2) | A (2) | 99 |
| Guardian Ins & Ann Co Inc | DE | A++ (1) | AA+ (2) | Aa2 (3) | AA+ (2) | B (5) | 99 |
| Guaranty Income Life Ins Co | IA | B++ (5) | B (5) | ||||
| Guarantee Trust Life Ins Co | IL | A- (4) | B (5) | ||||
| Greenhouse Life Ins Co | AZ | NR | U | ||||
| Greenfields Life Ins Co | IA | NR | B (5) | ||||
| Greater Georgia Life Ins Co | GA | A (3) | B (5) | ||||
| Great-West Life & Ann NY | NY | A+ (2) | Aa3 (4) | AA (3) | B- (6) | 96 | |
| Great-West Life & Ann | CO | A+ (2) | AA (3) | Aa3 (4) | AA (3) | B- (6) | 97 |
| Great Western Ins Co | UT | A- (4) | C- (9) | ||||
| Great Southern Life Ins Co | TX | A (3) | A- (3) | ||||
| Great American Life Ins Co | OH | A (3) | A+ (5) | A2 (6) | B- (6) | 81 | |
| Grange Life Ins Co | OH | A- (4) | C+ (7) | ||||
| GPM Health & Life Ins Co | WA | A- (4) | B (5) | ||||
| Government Personnel Mutual | TX | A- (4) | B (5) | ||||
| Golden Rule Ins Co | IN | A (3) | AA (3) | B (5) | 89 | ||
| Globe Life Ins Co of NY | NY | A+ (2) | B- (6) | ||||
| Globe Life And Acc Ins Co | NE | A+ (2) | AA- (4) | A+ (5) | C+ (7) | 91 | |
| Gleaner Life Ins Society | MI | A- (4) | |||||
| Germania Life Ins Co | TX | B++ (5) | C+ (7) | ||||
| Gerber Life Ins Co | NY | A (3) | B+ (4) | ||||
| Genworth Life Ins Co NY | NY | C++ (9) | B- (16) | B3 (16) | CCC+ | C (8) | 44 |
| Genworth Life Ins Co | DE | C++ (9) | B- (16) | B3 (16) | CCC+ | C (8) | 44 |
| Genworth Life & Ann Ins | VA | B (7) | B- (16) | B1 (14) | B (15) | C- (9) | 49 |
| General Re Life Corporation | CT | A++ (1) | AA+ (2) | C (8) | 100 | ||
| GBU Financial Life | PA | A- (4) | |||||
| Garden State Life Ins Co | TX | A (3) | A (2) | ||||
| Funeral Directors Life Ins Co | TX | A- (4) | B- (6) | ||||
| Freedom Life Ins Co of Amer | TX | A- (4) | B+ (4) | ||||
| Forethought National Life Ins | TX | U | |||||
| Forethought Life Ins Co | IN | A (3) | A- (7) | A3 (7) | A (6) | B (5) | 74 |
| Foresters Life Ins & Ann | NY | A- w (4) | C+ (7) | ||||
| Florida Combined Life Ins Co | FL | A (3) | B (5) | ||||
| First Unum Life Ins Co | NY | A (3) | A (6) | A2 (6) | A (6) | C+ (7) | 78 |
| First Symetra Nat Life Ins NY | NY | A (3) | A (6) | A+ (5) | B (5) | 80 | |
| First Security Benefit L&A NY | NY | A- (4) | A- (7) | A- (7) | B (5) | 59 | |
| First Reliance Standard Life | NY | A+ (2) | A+ (5) | A- (3) | 91 | ||
| First Penn-Pacific Life Ins Co | IN | A (3) | A- (7) | A1 (5) | A+ w+ (5) | B (5) | 81 |
| First National Life of USA | NE | NR | C (8) | ||||
| First Health Life & Health Ins | TX | A (3) | C+ (7) | ||||
| First Command Life Ins Co | TX | B- (6) | |||||
| First Catholic Slovak Union | OH | ||||||
| First Catholic Slovak Ladies | OH | A- (4) | |||||
| First Berkshire Hathaway Life | NY | A+ (2) | C+ (7) | ||||
| First Assur Life of America | LA | A- (4) | B (5) | ||||
| First Allmerica Financial Life | MA | A (3) | A- (7) | A3 (7) | A (6) | B (5) | 74 |
| Fidelity Security Life Ins NY | NY | A (3) | B+ (4) | ||||
| Fidelity Security Life Ins Co | MO | A (3) | A- (3) | ||||
| Fidelity Life Association | IL | A- (4) | C+ (7) | ||||
| Fidelity Investments Life Ins | UT | A+ (2) | A+ (5) | A- (3) | 91 | ||
| Fidelity & Guaranty Life Ins | IA | A- (4) | BBB+ w+ (8) | Baa2 (9) | BBB+ w+ (8) | C+ (7) | 59 |
| Fidelity & Guar Life Ins Co NY | NY | A- (4) | BBB+ w+ (8) | BBB+ w+ (8) | B (5) | 57 | |
| Federated Life Ins Co | MN | A+ (2) | A (2) | ||||
| Farmers New World Life Ins Co | WA | A (3) | B- (6) | ||||
| Farm Bureau Life Ins Co of MO | MO | A- (4) | A- (3) | ||||
| Farm Bureau Life Ins Co of MI | MI | A (3) | A- (3) | ||||
| Farm Bureau Life Ins Co | IA | A (3) | B+ (4) | ||||
| Family Service Life Ins Co | TX | NR | U | ||||
| Family Life Ins Co | TX | B+ (6) | C (8) | ||||
| Family Heritage Life of Amer | OH | A+ (2) | B- (6) | ||||
| Evergreen Life Ins Co | TX | U | |||||
| Everence Association Inc | IN | NR-5 | |||||
| Erie Family Life Ins Co | PA | A (3) | B (5) | ||||
| EquiTrust Life Ins Co | IL | B++ (5) | BBB+ (8) | B- (6) | 41 | ||
| Equitable Life & Casualty | UT | B+ (6) | C- (9) | ||||
| Enterprise Life Ins Co | TX | A- (4) | B (5) | ||||
| Employers' Protective Ins Co | HI | NR | U | ||||
| Employers Reassur Corp | KS | NR | BBB+ (8) | D (11) | |||
| Empire Fidelity Investments Life | NY | A+ (2) | A+ (5) | B+ (4) | 91 | ||
| EMC National Life Co | IA | A- (4) | B (5) | ||||
| Elips Life Ins Co | MO | A (3) | C (8) | ||||
| ELCO Mutual Life & Ann | IL | B (7) | C+ (7) | ||||
| Educators Life Ins of America | IL | U | |||||
| Eagle Life Ins Co | IA | A- (4) | A- (7) | B+ (4) | 53 | ||
| DL Reins Co | DE | NR | U | ||||
| Direct General Life Ins | SC | A- (4) | C (8) | ||||
| Delaware Life Ins Co NY | NY | A- (4) | BBB+ (8) | B- (6) | 52 | ||
| Delaware Life Ins Co | DE | A- (4) | BBB+ (8) | C (8) | 52 | ||
| Delaware American Life Ins Co | DE | A (3) | B+ (4) | ||||
| Dearborn Natl Life NY | NY | A (3) | A+ (5) | B+ (4) | 83 | ||
| Dearborn National Life Ins Co | IL | A (3) | A+ (5) | B+ (4) | 83 | ||
| CSI Life Ins Co | NE | A+ (2) | AA (3) | B- (6) | 97 | ||
| Crown Global Ins Co of America | DE | A- (4) | E (14) | ||||
| Croatian Fraternal Union | PA | NR-5 | |||||
| COUNTRY Life Ins Co | IL | A+ (2) | NRpi | A+ (1) | |||
| COUNTRY Investors Life Assur | IL | A+ (2) | A- (3) | ||||
| Cotton States Life Ins Co | GA | NR | A- (3) | ||||
| Cooperativa de Seguros de Vida | PR | C (11) | |||||
| Continental Life Brentwood TN | TN | A (3) | C+ (7) | ||||
| Continental American Ins Co | NE | A+ (2) | B (5) | ||||
| Constitution Life Ins Co | TX | B+ (6) | D (11) | ||||
| Conseco Life Ins Co of Texas | TX | U | |||||
| Connecticut General Life Ins | CT | A (3) | A (6) | A2 (6) | A (6) | B- (6) | 78 |
| Companion Life Ins Co of CA | CA | A+ (2) | B (5) | ||||
| Companion Life Ins Co | NY | A+ (2) | A+ (5) | B- (6) | 91 | ||
| Companion Life Ins Co | SC | A+ (2) | B+ (4) | ||||
| Commonwealth Ann & Life | MA | A (3) | A- (7) | A3 (7) | A (6) | B- (6) | 74 |
| Commercial Travelers Life Ins | NY | A- (4) | B- (6) | ||||
| Commencement Bay Risk Mgmt Ins | WA | A (3) | A- (3) | ||||
| Combined Life Ins Co of NY | NY | A+ (2) | C+ (7) | ||||
| Combined Ins Co of America | IL | A+ (2) | C (8) | ||||
| Columbus Life Ins Co | OH | A+ (2) | AA- (4) | Aa3 (4) | AA (3) | C+ (7) | 96 |
| Columbian Mutual Life Ins Co | NY | B++ (5) | B (5) | ||||
| Columbian Life Ins Co | IL | B++ (5) | C (8) | ||||
| Colorado Bankers Life Ins Co | NC | E (14) | |||||
| Colonial Security Life Ins Co | TX | D+ (10) | |||||
| Colonial Penn Life Ins | PA | A- (4) | A- (7) | A3 (7) | A- (7) | D+ (10) | 62 |
| Colonial Life Ins Co of Texas | TX | C- (9) | |||||
| Colonial Life & Acc Ins | SC | A (3) | A (6) | A2 (6) | A (6) | C+ (7) | 78 |
| CMFG Life Ins Co | IA | A (3) | A+ (5) | A2 (6) | B- (6) | 81 | |
| Clear Spring Life Ins Co | TX | NR | U | ||||
| Citizens Security Life Ins Co | KY | B++ (5) | C (8) | ||||
| Cincinnati Life Ins Co | OH | A+ (2) | A+ (5) | A+ (5) | C+ (7) | 89 | |
| Cincinnati Equitable Life | OH | B++ (5) | D (11) | ||||
| Cigna Worldwide Ins Co | DE | A (3) | A (6) | B- (6) | 78 | ||
| Cigna National Health Ins Co | OH | A (3) | B- (6) | ||||
| Cigna Life Ins Co of New York | NY | A w (3) | A w+ (6) | A- (3) | 78 | ||
| Cigna Health & Life Ins Co | CT | A (3) | A (6) | A2 (6) | B (5) | 79 | |
| Cigna Arbor Life Ins Co | CT | NR | U | ||||
| Church Life Ins Corporation | NY | A- (4) | B- (6) | ||||
| Christian Fidelity Life Ins Co | TX | A- (4) | A- (3) | ||||
| Chesterfield Reins Co | MO | NR | C (8) | ||||
| Chesapeake Life Ins Co | OK | A- (4) | A+ (1) | ||||
| Central States H&L Co of Omaha | NE | A- (4) | B (5) | ||||
| Central Security Life Ins Co | TX | D+ (10) | |||||
| Censtat Life Assur Co | AZ | A- (4) | |||||
| Catholic Order of Foresters | IL | A- (4) | |||||
| Catholic Life Ins | TX | A- (4) | |||||
| Catholic Financial Life | WI | NR | |||||
| Caterpillar Life Ins Co | MO | U | |||||
| Caribbean American Life Assur | PR | A- (4) | B (5) | ||||
| CareAmerica Life Ins Co | CA | B++ (5) | U | ||||
| Capitol Life Ins Co | TX | B++ (5) | C (8) | ||||
| C M Life Ins Co | CT | A++ (1) | AA+ (2) | Aa3 (4) | AA+ (2) | B (5) | 98 |
| Brooke Life Ins Co | MI | A+ (2) | B- (6) | ||||
| Brighthouse Life Ins Co of NY | NY | A (3) | A+ (5) | C+ (7) | 83 | ||
| Brighthouse Life Ins Co | DE | A (3) | A+ (5) | A3 (7) | A (6) | B (5) | 78 |
| Boston Mutual Life Ins Co | MA | A (3) | B+ (4) | ||||
| Bluebonnet Life Ins Co | MS | A (3) | A- (3) | ||||
| Blue Shield of CA Life & Hlth | CA | A (3) | A (6) | B (5) | 78 | ||
| Blue Cross & Blue Shield of KS | KS | A (3) | B (5) | ||||
| Best Meridian Ins Co | FL | A- (4) | B- (6) | ||||
| BEST Life & Health Ins Co | TX | B+ (6) | B+ (4) | ||||
| Berkshire Life Ins Co of Amer | MA | A++ (1) | AA+ (2) | AA+ (2) | B (5) | 99 | |
| Berkshire Hathaway Life of NE | NE | A++ (1) | AA+ (2) | C+ (7) | 100 | ||
| Berkley Life & Health Ins Co | IA | A+ (2) | A (2) | ||||
| Banner Life Ins Co | MD | A+ (2) | AA- (4) | AA- (4) | C (8) | 94 | |
| Bankers Life of Louisiana | LA | A- (4) | C (8) | ||||
| Bankers Life Ins Co | NC | E (14) | |||||
| Bankers Life & Casualty Co | IL | A- (4) | A- (7) | A3 (7) | A- (7) | D+ (10) | 62 |
| Bankers Fidelity Life Ins Co | GA | A- (4) | C (8) | ||||
| Bankers Fidelity Assur Co | GA | A- (4) | C+ (7) | ||||
| Bankers Conseco Life Ins | NY | A- (4) | A- (7) | A- (7) | D (11) | 59 | |
| Baltimore Life Ins Co | MD | B++ (5) | B (5) | ||||
| AXA Equitable Life Ins Co | NY | A (3) | A+ (5) | A2 (6) | B+ (4) | 81 | |
| AXA Corporate Solutions Life Re | DE | B+ (6) | B (5) | ||||
| Automobile Club of Sthrn CA Life | CA | A (3) | B- (6) | ||||
| Auto-Owners Life Ins Co | MI | A+ (2) | B (5) | ||||
| Auto Club Life Ins Co | MI | A (3) | C (8) | ||||
| Aurora National Life Assur | CA | C (8) | |||||
| Atlantic Coast Life Ins Co | SC | B++ (5) | C- (9) | ||||
| Atlanta Life Ins Co | GA | C+ (10) | D+ (10) | ||||
| Athene Life Ins Co of NY | NY | A (3) | C (8) | ||||
| Athene Ann & Life Co | IA | 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 Ann & Life Assur Co | DE | A (3) | A (6) | A (6) | C (8) | 78 | |
| Assurity Life Ins Co NY | NY | A- (4) | B (5) | ||||
| Assurity Life Ins Co | NE | A- (4) | B+ (4) | ||||
| Anthem Life Ins Co | IN | A (3) | B+ (4) | ||||
| Anthem Life & Disability Ins Co | NY | A (3) | B (5) | ||||
| Ann Investors Life Ins Co | OH | A (3) | A+ (5) | A- (3) | 83 | ||
| Amica Life Ins Co | RI | A+ (2) | A- (3) | ||||
| Ameritas Life Ins Corp of NY | NY | A (3) | A+ (5) | B- (6) | 83 | ||
| Ameritas Life Ins Corp | NE | A (3) | A+ (5) | B (5) | 83 | ||
| Americo Financial Life & Ann | TX | A (3) | B- (6) | ||||
| American-Amicable Life Ins TX | TX | A (3) | C (8) | ||||
| American United Life Ins Co | IN | A+ (2) | AA- (4) | B+ (4) | 95 | ||
| American Retirement Life Ins | OH | A (3) | C+ (7) | ||||
| American Republic Ins Co | IA | A- (4) | B- (6) | ||||
| American Republic Corp Ins Co | IA | A- (4) | C (8) | ||||
| American Public Life Ins Co | OK | A+ (2) | B (5) | ||||
| American National Ins Co | TX | A (3) | A (6) | B (5) | 78 | ||
| American Memorial Life Ins Co | SD | A- (4) | A (6) | B- (6) | 58 | ||
| American Maturity Life Ins Co | CT | B- (6) | |||||
| American Life Ins Co | DE | NR | AA- (4) | A1 (5) | C (8) | 91 | |
| American Life & Security Corp. | NE | B++ (5) | E+ (13) | ||||
| American Indep Network of NY | NY | NR | |||||
| American Income Life Ins Co | IN | A+ (2) | AA- (4) | A+ (5) | B- (6) | 91 | |
| American Home Life Ins Co | KS | B++ (5) | C- (9) | ||||
| American Heritage Life Ins Co | FL | A+ (2) | A (6) | A (6) | B (5) | 84 | |
| American Health & Life Ins | TX | B++ (5) | B- (6) | ||||
| American General Life Ins Co | TX | A (3) | A+ (5) | A2 (6) | A+ (5) | B (5) | 82 |
| American Fidelity Life Ins Co | FL | B++ (5) | B (5) | ||||
| American Fidelity Assur Co | OK | A+ (2) | B+ (4) | ||||
| American Federated Life Ins | MS | B (7) | B- (6) | ||||
| American Farm Life Ins Co | TX | B (5) | |||||
| American Family Life Ins Co | WI | A (3) | A+ (5) | A+ (1) | 82 | ||
| American Family Life Assur NY | NY | A+ (2) | A+ (5) | AA- (4) | A- (3) | 92 | |
| American Fam Assur Columbus | NE | A+ (2) | A+ (5) | Aa3 (4) | AA- (4) | 93 | |
| American Equity Invest Life NY | NY | A- (4) | A- (7) | B (5) | 53 | ||
| American Equity Invest Life | IA | A- (4) | A- (7) | A- (7) | B- (6) | 59 | |
| American Continental Ins Co | TN | A (3) | C (8) | ||||
| American Benefit Life | OK | B++ (5) | C (8) | ||||
| American Bankers Life Assur Co | FL | A- (4) | A (6) | Baa1 (8) | B- (6) | 60 | |
| Amer Natl Life Ins Co of Texas | TX | A (3) | A- (7) | B- (6) | 75 | ||
| Amer Natl Life Ins Co of NY | NY | A (3) | A (6) | B- (6) | 78 | ||
| Amalgamated Life Ins Co | NY | A (3) | A (2) | ||||
| Amalgamated Life & Health | IL | C (8) | |||||
| Allstate Life Ins Co of NY | NY | A+ (2) | A+ (5) | A2 (6) | A+ (5) | B- (6) | 86 |
| Allstate Life Ins Co | IL | A+ (2) | A+ (5) | A2 (6) | A+ (5) | B (5) | 86 |
| Allstate Assur Co | IL | A+ (2) | A2 (6) | C+ (7) | 88 | ||
| Allianz Life Ins Co of NY | NY | A+ (2) | AA (3) | B+ (4) | 97 | ||
| Allianz Life Ins Co N America | MN | A+ (2) | AA (3) | A1 (5) | B- (6) | 94 | |
| All Savers Ins Co | IN | A (3) | C (8) | ||||
| Alfa Life Ins Corp | AL | A (3) | B- (6) | ||||
| AGC Life Ins Co | MO | A (3) | A+ (5) | U | 82 | ||
| Aetna Life Ins Co | CT | A (3) | A- (7) | A2 (6) | A (6) | B (5) | 77 |
| Aetna Health & Life Ins Co | CT | A (3) | A- (7) | C (8) | 75 | ||
| Advance Ins Co of Kansas | KS | A (3) | B+ (4) | ||||
| ACE Life Ins Co | CT | A- (4) | C+ (7) | ||||
| Accordia Life & Ann Co | IA | A (3) | A- (7) | A (6) | C (8) | 76 | |
| Academe Inc. | WA | NR | U | ||||
| AAA Life Ins Co of NY | NY | A (3) | B (5) | ||||
| AAA Life Ins Co | MI | A (3) | B (5) | ||||
| 5 Star Life Ins Co | NE | A- (4) | C (8) | ||||
| 4 Ever Life Ins Co | IL | A- (4) | B (5) |
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What are Insurance Companies 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.
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 ratings 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 ratings 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 least established of NSRA Insurance Company Rating Agencies and we would put the least amount of importance on their rating.
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.
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 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 |
Possible Insurance Company Ratings Chart
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+.
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 the 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.
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 and annuity insurance 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.
Annuity Company Ratings
A+ ( Top Rated) Annuity Companies
| 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 |
| 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) |
| 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) |
| 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 |
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 | B++ |
| 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 | https://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% |