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Life Insurance Company Ratings 2015

Life Insurance Company Ratings 2015

  • Ratings 2015

When choosing a life insurance company, one of the first things you need look at is an insurers A.M. Best rating.  Although it just takes a second to do, it’s vitally important to ensure that you’re choosing a life insurance company that will be able to payout any future claims.  A.M. Best is the gold standard in evaluating life insurance companies.  A general rule of thumb when choosing an insurance company is to make sure the insurer has received an A.M. Best rating of A- (Excellent) or better.  

2015 A.M. Best Rating Categories

 

A++, A+ (Superior)– Assigned to companies that have a superior ability to meet ongoing insurance obligations. (per the opinion of A.M. Best)

 

A, A- (Excellent)– Assigned to companies that have a excellent ability to meet ongoing insurance obligations. (per the opinion of A.M. Best)

 

B++, B+ (Good)– Assigned to companies that have a good ability to meet ongoing insurance obligations. (per the opinion of A.M. Best)

 

B,B-( Fair)– Assigned to companies that have a fair ability to meet ongoing insurance obligations. (per the opinion of A.M. Best)

 

C,C- (Weak)– Assigned to companies that have a weak ability to meet ongoing insurance obligations. (per the opinion of A.M. Best)

 

D (Poor)– Assigned to companies that have a poor ability to meet ongoing insurance obligations. (per the opinion of A.M. Best)

 

E (Under Regulatory Supervision)– Assigned to companies that are placed under regulatory supervision.

 

F (In Liquidation)– Companies that are publicly placed in liquidation by a court.

 

S (Suspended)– When sudden and large events impact operations and A.M. Best cannot be fully evaluated.

 

Life Insurance Company Ratings 2015

A++ (Superior) Rated Life Insurance Companies

1. Northwestern Mutual A++

2. New York Life Ins Co  A++

3. Knights of Columbus A++

4. Berkshire Hathaway Life of NE A++

5. General Re Life Corporation A++

6. Teachers Ins & Ann Assoc A++

7. USAA Life Ins Co A++

8. TIAA-CREF Life Ins Co A++

9. Berkshire Life Ins Co of Amer A++

10. Massachusetts Mutual Life Ins A++

11. Thrivent Financial Lutherans A++

12. State Farm Life Ins Co A++

13. Guardian Life Ins Co of Amer A++

14. C M Life Ins Co A++

15. MML Bay State Life Ins Co A++

16. Thrivent Life Ins Co A++

 

A+ (Superior) Rated Life Insurance Companies

17. Lafayette Life Ins Co A+

18. Great-West Life & Ann A+

19. Western-Southern Life Assur A+

20. Integrity Life Ins Co A+

21. Metropolitan Tower Life Ins Co A+

22. National Integrity Life Ins Co A+

23. Columbus Life Ins Co A+

24. RiverSource Life Ins Co A+

25. American United Life Ins Co A+

26. Swiss Re Life & Health America A+

27. Munich American Reassur Co A+

28. First MetLife Investors Ins Co A+

29. State Life Ins Co A+

30. Hannover Life Reassur Amer A+

31. Sun Life & Health Ins Co US A+

32.Metropolitan Life Ins Co (MetLife) A+

33. Jackson National Life Ins Co A+

34. American Fam Assur Columbus A+

35. MetLife Ins Co USA A+

36. Monumental Life Ins Co A+

37. Mutual of America Life Ins Co A+

38. General American Life Ins A+

39. New England Life Ins Co A+

40. Transamerica Advisors Life Ins A+

41. Stonebridge Life Ins Co A+

42. Banner Life Ins Co A+

43. William Penn Life Ins Co of NY A+

44. HCC Life Ins Co A+

45. American Family Life Assur NY A+

46. Ohio National Life Ins Co A+

47. John Hancock Life Ins Co USA A+

48. AXA Equitable Life Ins Co A+

49. Transamerica Life Ins Co A+

50. Minnesota Life Ins Co A+

51. Penn Mutual Life Ins Co A+

52. John Hancock Life & Health Ins A+

53. Penn Ins & Ann Co A+

54. Securian Life Ins Co A+

55. Prudential Ins Co of America A+

56. Lincoln National Life Ins Co A+

57. Principal Life Ins Co A+

58. Nationwide Life Ins Co A+

59. Midland National Life Ins A+

60. RGA Reins Co A+

61. Fidelity Investments Life Ins A+

62. United of Omaha Life Ins Co A+

63. North American Co for L&H A+

64. UnitedHealthcare Ins Co A+

65. Lincoln Life & Ann Co NY A+

66. Pruco Life Ins Co of NJ A+

67. American Life Ins Co DE A+

68. Liberty National Life Ins Co A+

69. Nationwide Life & Ann Ins A+

70. Mutual of Omaha Ins Co A+

71. Globe Life And Acc Ins Co A+

72. American Income Life Ins Co A+

73. Dearborn National Life Ins Co A+

74. Empire Fidelity Investments Life A+

75. Companion Life Ins Co A+

76. First Reliance Standard Life A+

77. United World Life Ins Co A+

78. Principal National Life Ins Co A+

79. Allianz Life Ins Co of NY A+

80. Primerica Life Ins Co A+

81. Pacific Life Ins Co A+

82. Pacific Life & Ann Co A+

83. Protective Life & Ann Ins A+

84. United American Ins Co A+

85. Combined Ins Co of America A+

86. Reliance Standard Life Ins Co A+

87. Protective Life Ins Co A+

88. West Coast Life Ins Co A+

89. Allstate Life Ins Co A+

90. Savings Bank Life Ins Co of MA (SBLI) A+

91. American Heritage Life Ins Co A+

92. American Fidelity Assur Co A+

93.Modern Woodmen of America A+

94.Southern Farm Bureau Life Ins A+

95. Auto-Owners Life Ins Co A+

96. Sentry Life Ins Co A+

97. Brooke Life Ins Co A+

98. OUNTRY Life Ins Co A+

99. Woodmen of the World Life Soc A+

100. Tennessee Farmers Life Ins Co A+

101. Federated Life Ins Co A+

102. Amica Life Ins Co A+

103. Pioneer Mutual Life Ins Co A+

104. National Benefit Life Ins Co A+

105. Continental American Ins Co A+

106. First Berkshire Hathaway Life A+

107. Companion Life Ins Co A+

108. First United American Life Ins A+

109. Berkley Life & Health Ins Co A+

110. National Income Life Ins A+

 

A (Excellent) Rated Life Insurance Companies

111. Cigna Health & Life Ins Co A

112. Aetna Health & Life Ins Co A

113. US Financial Life Ins Co A

114. PacifiCare Life & Health Ins A

115. Aetna Life Ins Co A

116. Connecticut General Life Ins A

117. Golden Rule Ins Co A

118. CSI Life Ins Co A

119. Allianz Life Ins Co N America A

120. Allstate Assur Co A

121. Life Ins of North Amer A

122. Ameritas Life Ins Corp A

123. Ann Investors Life Ins Co A

124. SCOR Global Life USA Re Co A

125. AGC Life Ins Co A

126. Conseco Life Ins Co A

127. SCOR Global Life Americas Rein A

128. Texas Life Ins Co A

129. Cigna Life Ins Co of New York A

130. Cigna Worldwide Ins Co A

131. American General Life Ins (AIG) A

132. Variable Ann Life Ins Co A

133. United States Life Ins of NY A

134. Great American Life Ins Co A

135. Cincinnati Life Ins Co A

136. First Penn-Pacific Life Ins Co A

137. American Heritage Life Ins Co A

138. First Symetra Nat Life Ins NY A

139. Standard Ins Co A

140. American National Ins Co A

141. Liberty Life Assur of Boston A

142. Life Ins Co of Southwest A

143. National Western Life Ins Co A

144. National Life Ins Co A

145. Pan-American Life Ins Co A

146. Provident Life & Casualty A

147. Standard Life Ins of NY A

148. American Nat’l Life Ins Texas A

149. Pan-American Assur Co A

150. Symetra Life Ins Co A

151. Unum Life Ins Co of Amer

152.  Provident Life & Acc A

153. Paul Revere Life Ins Co A

154. Colonial Life & Acc Ins A

155. Zurich American Life Ins Co A

156. Standard Life & Acc Ins A

157. Pacific Guardian Life Co Ltd A

158. USAble Life A

159. Hartford Life & Acc Ins A

160. Horace Mann Life Ins Co A

161. Voya Ins & Ann Co A

162. ReliaStar Life Ins Co A

163. Security Life of Denver Ins Co A

164. ReliaStar Life Ins Co of NY A

165.  Genworth Life Ins Co A

166. Genworth Life & Ann Ins A

167. First Health Life & Health Ins

168. CMFG Life Ins Co A

169. Farm Bureau Life Ins Co A

170. Farmers New World Life Ins Co A

171. Americo Financial Life & Ann A

172. Kansas City Life Ins Co A

173. Continental Assur Co A

174. Gerber Life Ins Co A

175. Farm Bureau Life Ins Co of MI A

176. United Farm Family Life Ins Co A

177. Erie Family Life Ins Co A

178. Physicians Mutual Ins Co A

179. Blue Cross & Blue Shield KS A

180. Physicians Life Ins Co A

181. Alfa Life Ins Corp A

182. Farm Family Life Ins Co A

183. Shelter Life Ins Co A

184. Blue Shield of CA Life & Hlth A

185. Family Heritage Life of Amer A

186. Unimerica Ins Co A

187. Family Service Life Ins Co A

188. National Security Life & Ann A

189. American-Amicable Life Ins TX A

190. Colorado Bankers Life Ins Co A

191. Occidental Life Ins Co of NC A

192. IA American Life Ins Co A

193. Delaware American Life Ins Co A

194. American Continental Ins Co A

195. Garden State Life Ins Co A

196. Pioneer Security Life Ins Co A

197. Old United Life Ins Co A

198. Florida Combined Life Ins Co A

199. Bluebonnet Life Ins Co A

200. Intramerica Life Ins Co A

 

A- (Excellent) Rated Life Insurance Companies

201. Humana Ins Co A-

202. Employers Reassur Corp A-

203. United Ins Co of America A-

204. American Bankers Life Assur Co A-

206. American Memorial Life Ins Co A-

207. MTL Ins Co A-

208. Humana Ins Co of KY A-

209. Hartford Life & Ann Ins A-

210. Commonwealth Ann & Life A-

211. Forethought Life Ins Co A-

212. First Allmerica Financial Life A-

213. Hartford Life Ins Co A-

214. American Equity Invest Life A-

215. Accordia Life & Ann Co A-

216. Time Ins Co A-

217. John Alden Life Ins Co A-

218. Midwestern United Life Ins Co A-

219. First Rehabilitation Life of Am A-

220. Lincoln Benefit Life Co A-

221. American Equity Invest Life NY A-

222. Delaware Life Ins Co A-

223. UNICARE Life & Health Ins Co A-

224. National Guardian Life Ins Co A-

225. Union Fidelity Life Ins Co A-

226. Beneficial Life Ins Co A-

227. Assurity Life Ins Co A-

228. Homesteaders Life Co A-

229. Independence Life & Ann Co A-

230. United Life Ins Co A-

231. First Investors Life Ins Co A-

232. Gleaner Life Ins Society A-

233. Trustmark Ins Co A-

234. Pekin Life Ins Co A-

235. Columbian Mutual Life Ins Co A-

236. Boston Mutual Life Ins Co A-

237. Sagicor Life Ins Co A-

238. Oxford Life Ins Co A-

239. EMC National Life Co A-

240. Catholic Life Ins A-

241. Funeral Directors Life Ins Co A-

242. American Health & Life Ins A-

243. Vantis Life Ins Co A-

244. Royal Neighbors of America A-

245. Government Personnel Mutual A-

246. Fidelity Security Life Ins Co A-

247. American Republic Ins Co A-

248. Automobile Club of Sthrn CA Life A-

249. Lincoln Heritage Life Ins Co A-

250. Ozark National Life Ins Co MO A-

251. HM Life Ins Co A-

252. AAA Life Ins Co A-

253. United Heritage Life Ins Co A-

254. Farm Bureau Life Ins Co of MO A-

255. Motorists Life Ins Co A-

256. Madison Natl Life Ins Co. Inc A-

257. Mutual Savings Life Ins Co A-

257. Harleysville Life Ins Co A-

258. Fidelity Life Association A-

259. Central States H&L Co of Omaha A-

260. Settlers Life Ins Co A-

261. National Teachers Assoc Life Ins A-

262. Trustmark Life Ins Co A-

263. Sunset Life Ins Co of America A-

264. Grange Life Ins Co A-

265. Cotton States Life Ins Co A-

266. Columbian Life Ins Co A-

267. Church Life Ins Corporation A-

268. Eagle Life Ins Co A-

269. 5 Star Life Ins Co A-

270. Old American Ins Co A-

271. Royal American Life Ins Co A-

272. Nippon Life Ins Co of Amer A-

273. Bankers Fidelity Life Ins Co A-

274. LifeWise Assur Co A-

275. Reserve National Ins Co A-

276. American Public Life Ins Co A-

277. Christian Fidelity Life Ins Co A-

278. United Home Life Ins Co A-

279. Life of the South Ins Co A-

280. Sears Life Ins Co A-

281. ACE Life Ins Co A-

282. Performance Life of America A-

 

B++ (Good) Rated Life Insurance Companies

283. Paul Revere Variable Ann B++

284. Bankers Life & Casualty Co B++

285. Washington National Ins Co B++

286. Colonial Penn Life Ins B++

287. Fidelity & Guaranty Life Ins B++

288.  Bankers Conseco Life Ins B++

289. Athene Ann & Life Co B++

290. Security Benefit Life Ins Co B++

291. Kanawha Ins Co B++

292. MedAmerica Ins Co B++

293. First Security Benefit L&A NY B++

294. MedAmerica Ins Co of Florida B++

295. EquiTrust Life Ins Co B++

295.  Athene Ann & Life Assur Co B++

296. Health Net Life Ins Co B++

297. American Progressive L&H NY B++

298. Pyramid Life Ins Co B++

299. National Farm Life Ins Co B++

300. Union Labor Life Ins Co B++

301. GBU Financial Life B++

302. Illinois Mutual Life Ins Co B++

303. Baltimore Life Ins Co B++

304. Catholic Order of Foresters B++

305. United Teacher Associates Ins B++

306. Great Western Ins Co B++

307. American Fidelity Life Ins Co B++

308. Sentinel Security Life Ins Co B++

309. MEGA Life & Health Ins Co B++

310. Continental General Ins Co B++

311. American Home Life Ins Co B++

312. Manhattan National Life Ins Co B++

313. Unified Life Ins Co B++

314. Unity Financial Life Ins Co B++v

315. Charter National Life Ins Co B++

316. Life Ins Co of Alabama B++

317. Mid-West National Life of TN B++

318. Security Life Ins Co of Amer B++

319. LifeShield National Ins Co B++

320. Germania Life Ins Co B++

321. Medico Ins Co B++
322. Chesapeake Life Ins Co B++

323.Starmount Life Ins Co B++

324.Intramerica Life Ins Co B++

325. Financial American Life Ins Co B++

326. USIC Life Ins Co Co B++

 

B + (Good) Rated Life Insurance Companies

327. Jefferson National Life Ins Co B+

328. Western United Life Assur Co B+

329. Investors Life of North Amer B+

330. uaranty Income Life Ins Co B+

331. Investors Heritage Life Ins Co B+

332. New Era Life Ins Co B+

333. Constitution Life Ins Co B+

334. Manhattan Life Ins Co B+

335. State Mutual Ins Co B+

336. Great Southern Life Ins Co B+

337. National Farmers Union Life B+

338. Philadelphia American Life Ins B+

339. Family Life Ins Co B+

340. North Coast Life Ins Co B+

341. Professional Ins Co B+

342. New Era Life Ins Co Midwest B+

343. Cincinnati Equitable Life B+

344. Kentucky Funeral Directors Life B+

 

B (Fair) Rated Life Insurance Companies

345. Phoenix Life Ins Co B

346. PHL Variable Ins Co B

347.  Liberty Bankers Life Ins Co B

348. Merit Life Ins Co B

349. ELCO Mutual Life & Ann B

350. Equitable Life & Casualty B

351. Bankers Life Ins Co B

352. Capitol Life Ins Co B

353. American Benefit Life B

354. American Underwriters Life B

355. Standard Life & Casualty Ins B

Bottom Line

It’s imperative to know an insurer’s financial rating before purchasing any life insurance policy.  By using our Life Insurance Company Ratings 2015 guide, you can easily find the rating of the top 300+ life insurance companies in America.  To compare rates instantly from many of the companies on this list, use the quote engine on the right side of this page.
*A.M. Best Ratings as of 1/1/2015
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A.M. Best Rating 2015 Guide
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