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Life insurance company ratings tell you how financially strong a carrier is before you hand over your premium. On this page you’ll find AM Best, S&P, Moody’s, Fitch, and Comdex scores for 590+ top annuity companies in one place, plus plain-language explanations of what each rating means for annuity buyers.
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Insurance Company Ratings Chart (550+ Carriers)
The table below covers 550+ life and annuity carriers rated by AM Best, S&P, Moody’s, Fitch, and/or Weiss. Use the search box to find a specific carrier. Click any column header to sort. Comdex is shown where available.
| 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) | |||||
| Oxford 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) |
Ratings reflect the most recently published agency data. Verify directly with the issuing agency before purchasing. AM Best rating trademarks © AM Best Company.
Who Are the Top Rated Life Insurance Companies?
Currently, only 4 life insurance companies hold a perfect Comdex score of 100 – the highest composite financial strength rating possible:
- New York Life Insurance Company
- Berkshire Hathaway Life Insurance Company of Nebraska
- General Re Life Corporation
- Northwestern Mutual Life Insurance Company
A Comdex of 100 means these companies rank in the 100th percentile of all rated insurers across AM Best, S&P, Moody’s, and Fitch combined. No other rated company has stronger aggregate financial strength.
A++ is AM Best’s highest possible letter rating. Only a small percentage of U.S. carriers have earned it. An AM Best rating of A- or better is generally considered the minimum acceptable standard for annuity and life insurance placement.
A++ (Superior) Rated Life Insurance 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 |
A+ (Superior) Rated Life Insurance Companies
| 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 |
Top Ranked Life Insurance Companies by Comdex Score
Comdex ranking cuts through the confusion of comparing four different rating scales. A company with a Comdex of 95 ranks in the 95th percentile of all rated insurers, meaning its financial strength exceeds 95% of its peers. Companies like New York Life, Northwestern Mutual, USAA, and MassMutual consistently hold A++ from AM Best. These mutual insurers carry no outside shareholders, which means every dollar of surplus stays on the balance sheet rather than flowing to equity holders.
| Company | AM Best | S&P | Moody’s | Comdex |
|---|---|---|---|---|
| New York Life | A++ | AA+ | Aaa | 99 |
| Northwestern Mutual | A++ | AAA | Aaa | 99 |
| MassMutual | A++ | AA+ | Aa3 | 98 |
| Guardian Life | A++ | AA+ | Aa2 | 98 |
| USAA | A++ | AA+ | Aaa | 99 |
| Pacific Life | A+ | AA- | Aa3 | 96 |
| Nationwide | A+ | A+ | A1 | 95 |
| Allianz Life | A+ | AA | Aa3 | 95 |
| Athene Annuity | A | A+ | A1 | 87 |
| Corebridge Financial | A | A+ | A2 | 85 |
Comdex scores are approximate. Verify current scores at our Comdex resource page.
Highest Rated Annuity Companies (2026)
Not every highly-rated life insurer sells annuities. The tables below focus on carriers that actively sell fixed annuities, MYGAs, fixed index annuities (FIAs), and similar retirement income products, organized by AM Best rating tier.
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) | Not Rated |
| Assets | $64,762,999 |
| Liabilities | $36,279,702 |
| Assets to Liabilities | 178% |
AM Best Ratings Chart and Scale (2026)
AM Best is the gold standard for insurance company financial ratings. When a carrier lists only one rating, it is almost always from AM Best. The table below shows the full AM Best rating scale from A++ (Superior) down to D (In Liquidation).
| 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 |
AM Best rates carriers on four dimensions: balance sheet strength, operating performance, business profile, and enterprise risk management. Their proprietary Best’s Capital Adequacy Ratio (BCAR) model tests how much capital a carrier holds relative to its risk at multiple confidence intervals. A positive BCAR score means the carrier’s available capital exceeds its required capital.
AM Best vs. S&P vs. Moody’s: How the Scales Compare
Each agency uses a different letter system, which makes direct comparisons confusing. Here is a quick reference for the top rating tiers across the four major agencies.
| Strength Level | AM 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- | BB+, BB, BB- | Ba1, Ba2, Ba3 | BB+, BB, BB- |
Notice that AM Best’s second-best rating (A+) corresponds roughly to S&P’s AA tier. This is partly because AM Best specializes in insurance and calibrates its scale specifically for insurers, while S&P and Moody’s cover all corporate credit.
What Is a Comdex Score? (2026)
The Comdex Score is a composite percentile ranking, not a standalone rating. It combines scores from AM Best, S&P, Moody’s, and Fitch into a single number on a 1-100 scale.
A Comdex of 92 means the carrier ranks in the 92nd percentile of all rated insurers. In plain terms: 92% of rated companies have weaker financial strength. A Comdex above 85 is generally considered strong. Below 70 warrants extra scrutiny.
How the Comdex Is Calculated
For each rating a carrier holds, the Comdex model converts the letter grade to a percentile based on how many companies hold that rating or higher. Those percentiles are averaged, weighted by the agency. The result is rounded to a whole number between 1 and 100.
A carrier rated by only one agency will have a less reliable Comdex than one rated by all four. When comparing carriers, look for those with ratings from at least two agencies to ensure the Comdex reflects a meaningful sample.
Comdex Scores by Carrier (Selected)
| Carrier | Comdex 2026 | Primary Products |
|---|---|---|
| New York Life | 99 | Fixed annuities, life |
| Northwestern Mutual | 99 | Life, disability |
| Allianz Life | 95 | FIA, MYGA |
| Nationwide | 95 | MYGA, FIA, variable |
| Pacific Life | 96 | MYGA, FIA, variable |
| Athene Annuity | 87 | MYGA, FIA |
| Global Atlantic | 84 | MYGA, FIA |
| Corebridge Financial | 85 | MYGA, FIA, variable |
Comdex scores are updated periodically as agencies publish new ratings. Use as a starting point, not a final verdict.
How Are Life Insurance Companies Rated?
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.
The Rating Process
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:
- Weiss Ratings – uses a proprietary model that is often more conservative than AM Best; a Weiss B- roughly corresponds to an AM Best A-
- KBRA (Kroll Bond Rating Agency) – newer entrant, increasingly used by smaller and regional carriers
Life Insurance Rating Scale: What Each Grade Means
Every rating agency has its own letter scale, but the underlying meaning follows a consistent pattern: higher letter grades mean more financial strength, lower grades mean more risk. Here is what the most common AM Best grades mean in practical terms for an annuity buyer.
- A++ or A+ (Superior) – The carrier has exceptional claims-paying ability and very low probability of default over any reasonable time horizon. Appropriate for any annuity purchase.
- A or A- (Excellent) – Strong claims-paying ability. Very low default risk. Appropriate for most annuity purchases. Most agents consider A- the floor for placement.
- B++ or B+ (Good) – Adequate claims-paying ability, but more vulnerable to adverse economic conditions. Acceptable for smaller purchases; use caution for long-duration contracts.
- B or B- (Fair) – Uncertain financial strength. Higher-risk. Avoid for primary retirement assets unless diversifying across multiple carriers.
- C++ or lower – Marginal or weak financial strength. Not appropriate for retirement assets.
- D or E – In or near regulatory supervision or liquidation. Avoid.
How to Choose an Insurance Company Based on Financial Ratings
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.
Where to Verify Insurance Company Ratings Yourself
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.
| 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.
Frequently Asked Questions
What is the highest AM Best rating for an insurance company?
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.
What is a good Comdex score for an annuity company?
A Comdex score above 85 is considered strong. Companies with scores in the 90s represent the most financially secure tier of rated insurers. Most financial advisors recommend avoiding annuity carriers with a Comdex below 70 for retirement assets.
How often are insurance company ratings updated?
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.
What does an AM Best A- rating mean for an annuity?
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.”
What is the difference between AM Best and Moody’s ratings for insurance companies?
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 with agents and advisors.
Related Resources
Sources & Citations
- AM Best – Best’s Credit Rating Center (Financial Strength Ratings methodology and carrier data)
- S&P Global Ratings – Insurance Research
- Moody’s Investors Service (Insurance Financial Strength Ratings)
- Fitch Ratings – Insurance Sector
- NAIC Consumer Information Source (Complaint Index and carrier licensing)
- J.D. Power U.S. Individual Life Insurance Study 2025
- Ebix (EbixExchange) (Comdex composite score methodology and data)
- U.S. SEC – Nationally Recognized Statistical Rating Organizations (NRSROs)
- Insurance Information Institute – Life Insurance Facts & Statistics
- LIMRA U.S. Individual Annuity Sales Survey, Full Year 2025
- National Organization of Life & Health Insurance Guaranty Associations (NOLHGA)
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