November, 23 2017

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Life Insurance Company Ratings 2016

Life Insurance Company Ratings 2016

Life Insurance Company Ratings 2016

Whether you’re in the market for term life insurance, whole life insurance, universal life insurance, no exam life insurance or life insurance for seniors, it’s crucial to know the life insurance company ratings 2016.

What are life insurance company ratings and why are they so important?

The rating a life insurance company receives is an independent third party evaluation to help determine the ability of the insurance company to meet its financial obligations to the policyholder and be able to pay out future claims.

There are four main rating agencies that evaluate life insurance companies; A.M. Best, S&P, Fitch and Moody’s. A.M. Best is the gold standard and the rating that most people use to deem how strong a company is financially. A great rule of thumb is to choose a life insurance company with an A (Excellent) rating or better from A.M. Best.

There is also another rating metric called a Comdex Score. This is the average score of all four ratings from the above companies. Since not all the rating agencies grade every company this number isn’t as important as a company’s A.M. Best rating.

Let’s take a look at the life insurance company rankings 2016

The highest rated life insurance companies 2016 on our chart go from top to bottom.

Company Name                                State                A.M.Best           S&P           Moody’s       Fitch      Comdex

1 Northwestern Mutual Life Ins WI A++ AA+ Aaa AAA 100
2 New York Life Ins Co NY A++ AA+ Aaa AAA 100
3 New York Life Ins & Ann DE A++ AA+ Aaa AAA 100
4 Knights of Columbus CT A++ AA+ 100
5 Berkshire Hathaway Life of NE NE A++ AA+ 100
6 General Re Life Corporation CT A++ AA+ 100
7 Northwestern Long Term Care WI A++ AA+ Aaa AAA 100
8 Teachers Ins & Ann Assoc NY A++ AA+ Aa1 AAA 99
9 USAA Life Ins Co TX A++ AA+ Aa1 AAA 99
10 TIAA-CREF Life Ins Co NY A++ AA+ Aa1 AAA 99
11 Berkshire Life Ins Co of Amer MA A++ AA+ AA+ 99
12 USAA Life Ins Co of NY NY A++ AA+ Aa1 99
13 Massachusetts Mutual Life Ins MA A++ AA+ Aa2 AA+ 98
14 Thrivent Financial Lutherans WI A++ AA 98
15 State Farm Life Ins Co IL A++ AA Aa1 98
16 Guardian Life Ins Co of Amer NY A++ AA+ Aa2 AA+ 98
17 Guardian Ins & Ann Co Inc DE A++ AA+ Aa2 AA+ 98
18 C M Life Ins Co CT A++ AA+ Aa2 AA+ 98
19 MML Bay State Life Ins Co CT A++ AA+ Aa2 AA+ 98
20 Thrivent Life Ins Co MN A++ AA 98
21 State Farm Life & Acc Assur Co IL A++ AA Aa1 98
22 Lafayette Life Ins Co OH A+ AA AA 97
23 Allianz Life Ins Co of NY NY A+ AA 97
24 CSI Life Ins Co NE A+ AA 97
25 Great-West Life & Ann CO A+ AA Aa3 AA 96
26 Western-Southern Life Assur OH A+ AA Aa3 AA 96
27 Western & Southern Life Ins OH A+ AA Aa3 AA 96
28 Integrity Life Ins Co OH A+ AA Aa3 AA 96
29 Metropolitan Tower Life Ins Co DE A+ Aa3 96
30 National Integrity Life Ins Co NY A+ AA Aa3 AA 96
31 Columbus Life Ins Co OH A+ AA Aa3 AA 96
32 Great-West Life & Ann NY NY A+ AA Aa3 AA 96
33 RiverSource Life Ins Co MN A+ AA- Aa3 95
34 American United Life Ins Co IN A+ AA- 95
35 Swiss Re Life & Health America CT A+ AA- Aa3 95
36 Munich American Reassur Co GA A+ AA-       95
37 RiverSource Life Ins Co of NY NY A+ AA- Aa3      95
38 First MetLife Investors Ins Co NY A+ AA-      95
39 State Life Ins Co IN A+ AA-       95
40 Hannover Life Reassur Amer FL A+ AA-     95
41 Companion Life Ins Co NY A+ AA-    95
42 Sun Life & Health Ins Co US CT A+ AA-     95
43 United World Life Ins Co NE A+ AA-    95
44 Metropolitan Life Ins Co NY A+ AA- Aa3 AA-    94
45 Jackson National Life Ins Co MI A+ AA A1 AA    94
46 MetLife Ins Co USA DE A+ AA- Aa3 AA-    94
47 Sun Life Assur CN A+ AA- Aa3 AA-    94
48 Transamerica Premier Life Ins Co IA A+ AA- AA-    94
49 Mutual of America Life Ins Co NY A+ AA- AA-    94
50 General American Life Ins Co MO A+ AA- Aa3 AA-    94
51 New England Life Ins Co MA A+ AA- Aa3 AA-     94
52 Transamerica Advisors Life Ins AR A+ AA- AA-     94
53 Jackson National Life Ins of NY NY A+ AA A1 AA    94
54 Banner Life Ins Co MD A+ AA- AA-    94
55 William Penn Life Ins Co of NY NY A+ AA- AA-    94
56 John Hancock Life Ins Co USA MI A+ AA- A1 AA- 92
57 Transamerica Life Ins Co IA A+ AA- A1 AA- 92
58 Minnesota Life Ins Co MN A+ A+ Aa3 AA 92
59 Transamerica Financial Life NY A+ AA- A1 AA- 92
60 Ohio National Life Ins Co OH A+ AA- A1 92
61 United of Omaha Life Ins Co NE A+ AA- A1 92
62 John Hancock Life Ins Co NY NY A+ AA- A1 AA- 92
63 John Hancock Life & Health Ins MA A+ AA- A1 AA- 92
64 Mutual of Omaha Ins Co NE A+ AA- A1 92
65 Ohio National Life Assur Corp OH A+ AA- A1 92
66 HCC Life Ins Co IN A+ AA- A1 AA- 92
67 Securian Life Ins Co MN A+ A+ Aa3 AA 92
68 AXA Equitable Life Ins Co NY A+ A+ Aa3 AA- 91
69 Prudential Annuities Life Assur AZ A+ AA- A+ 91
70 RGA Reins Co MO A+ AA- A+ 91
71 Penn Mutual Life Ins Co PA A+ A+ Aa3 91
72 Pruco Life Ins Co of NJ NJ A+ AA- A+ 91
73 Globe Life And Acc Ins Co NE A+ AA- A+ 91
74 Penn Ins & Ann Co DE A+ A+ Aa3 91
75 American Income Life Ins Co IN A+ AA- A+ 91
76 United American Ins Co NE A+ AA- A+ 91
77 Prudential Ins Co of America NJ A+ AA- A1 A+ 90
78 Lincoln National Life Ins Co IN A+ AA- A1 A+ 90
79 Allianz Life Ins Co N America MN A+ AA A2 90
80 Pruco Life Ins Co AZ A+ AA- A1 A+ 90
81 Prudential Retirement Ins&Ann CT A+ AA- A1 A+ 90
82 Lincoln Life & Ann Co NY NY A+ AA- A1 A+ 90
83 American Life Ins Co DE DE NR AA- A1 90
84 Liberty National Life Ins Co NE A+ AA- A1 A+ 90
85 Principal Life Ins Co IA A+ A+ A1 AA- 89
86 Nationwide Life Ins Co OH A+ A+ A1 89
87 American Fam Assur Columbus NE A+ A+ Aa3 A+ 89
88 Midland National Life Ins Co IA A+ A+ 89
89 Fidelity Investments Life Ins UT A+ A+ 89
90 North American Co for L&H IA A+ A+ 89
91 UnitedHealthcare Ins Co CT A AA A1 AA- 89
92 Nationwide Life & Ann Ins OH A+ A+ A1 89
93 Empire Fidelity Investments Life NY A+ A+ 89
94 Dearborn National Life Ins Co IL A+ A+ 89
95 Primerica Life Ins Co MA A+ AA- A2 89
96 Golden Rule Ins Co IN A AA 89
97 Principal National Life Ins Co IA A+ A+ A1 AA- 89
98 Dearborn Natl Life NY NY A+ A+ 89
99 Aetna Life Ins Co CT A AA- A1 AA- 88
100 Protective Life & Ann Ins AL A+ AA- A 88
101 SCOR Global Life Americas Rein DE A AA- AA- 88
102 Pacific Life Ins Co NE A+ A+ A1 A+ 87
103 Cigna Health & Life Ins Co CT A AA- A1 87
104 Pacific Life & Ann Co AZ A+ A+ A1 A+ 87
105 Aetna Health & Life Ins Co CT A AA- 87
106 SCOR Global Life USA Re Co DE A AA- 87
107 American Family Life Assur NY NY A+ A+ A+ 87
108 SCOR Global Life Reins Co DE DE A AA- 87
109 Connecticut General Life Ins CT A AA- A1 A+ 86
110 US Financial Life Ins Co OH A AA- 86
111 First Reliance Standard Life NY A+ A 86
112 Protective Life Ins Co TN A+ AA- A2 A 85
113 Allstate Life Ins Co IL A+ A+ A1 A 85
114 Allstate Life Ins Co of NY NY A+ A+ A1 A 85
115 West Coast Life Ins Co NE A+ AA- A2 A 85
116 MONY Life Ins Co of Amer AZ A A+ A1 AA- 85
117 AXA Equitable Life & Ann CO A A+ AA- 85
118 Life Ins of North Amer PA A A1 A+ 84
119 Anthem Life Ins Co IN A A1 84
120 Allstate Assur Co IL A A1 84
121 Reliance Standard Life Ins Co IL A+ A A2 83
122 Savings Bank Life Ins Co of MA MA A+ A- 83
123 AGC Life Ins Co MO A A+ 82
124 MONY Life Ins Co NY A+ A+ A2 A 82
125 American Family Life Ins Co WI A A+ 82
126 Cincinnati Life Ins Co OH A A+ A+ 82
127 Conseco Life Ins Co IN A A+ 82
128 Wilton Reassur Co MN A A+ 82
129 American Heritage Life Ins Co FL A+ A A 82
130 Texas Life Ins Co TX A A+ 82
131 Wilton Reassur Life Co NY NY A A+ 82
132 Cigna Life Ins Co of New York NY A A+ 82
133 Cigna Worldwide Ins Co DE A A+ 82
134 Ameritas Life Ins Corp NE A A+ 81
135 Ann Investors Life Ins Co OH A A+ 81
136 Ameritas Life Ins Corp of NY NY A A+ 81
137 American General Life Ins Co TX A A+ A2 A+ 80
138 Variable Ann Life Ins Co TX A A+ A2 A+ 80
139 United States Life Ins of NY NY A A+ A2 A+ 80
140 Great American Life Ins Co OH A A+ A2 80
141 First Penn-Pacific Life Ins Co IN A A- A1 A+ 80
142 Standard Ins Co OR A A+ A2 A 79
143 American National Ins Co TX A A 78
144 Liberty Life Assur of Boston NH A A 78
145 National Western Life Ins Co CO A A 78
146 Pan-American Life Ins Co LA A A 78
147 Provident Life & Casualty TN A A 78
148 Blue Shield of CA Life & Hlth CA A A 78
149 Standard Life Ins of NY NY A A 78
150 American National Life Ins NY NY A A 78
151 Pan-American Assur Co LA A A 78
152 Voya Retirement Ins & Ann Co CT A A A2 A 77
153 Voya Ins & Ann Co IA A A A2 A 77
154 ReliaStar Life Ins Co MN A A A2 A 77
155 Unum Life Ins Co of Amer ME A A A2 A                77
156 Security Life of Denver Ins Co CO A A A2 A 77
157 Life Ins Co of Southwest TX A A A2 77
158 National Life Ins Co VT A A A2 77
159 Hartford Life & Acc Ins CT A A A2 77
160 Provident Life & Acc TN A A A2 A 77
161 Paul Revere Life Ins Co MA A A A2 A 77
162 ReliaStar Life Ins Co of NY NY A A A2 A 77
163 First Unum Life Ins Co NY A A A2 A 77
164 Colonial Life & Acc Ins SC A A A2 A 77
165 First Symetra Nat Life Ins NY NY A A A 77
166 Symetra Life Ins Co IA A A A3 A 75
167 Zurich American Life Ins Co IL A A A3 75
168 Horace Mann Life Ins Co IL A A A3 A 75
169 Standard Life & Acc Ins TX A A- 75
170 Pacific Guardian Life Co Ltd HI A A- 75
171 USAble Life AR A A- 75
172 MTL Ins Co IL A- A A 66
173 Employers Reassur Corp KS A- A+ 65
174 American Bankers Life Assur Co FL A- A A3 64
175 United Ins Co of America IL A- A- A3 A- 63
176 Athene Ann & Life Co IA A- A- A- 62
177 Bankers Life & Casualty Co IL A- BBB+ Baa1 BBB+ 62
178 Athene Ann & Life Assur Co DE A- A- A- 62
179 Union Security Ins Co KS A- A- A3 62
180 Washington National Ins Co IN A- BBB+ Baa1 BBB+ 62
181 Athene Ann & Life Assur NY NY A- A- A- 62
182 American Memorial Life Ins Co SD A- A 62
183 Colonial Penn Life Ins PA A- BBB+ Baa1 BBB+ 62
184 Humana Ins Co of KY KY A- A 62
185 Midwestern United Life Ins Co IN A- A 62
186 American Nat’l Life Ins Texas TX A- A 62
187 Reliable Life Ins Co MO A- A- A- 62
188 Union National Life Ins Co LA A- A- A- 62
189 Genworth Life Ins Co DE A- BBB- Baa1 BBB 61
190 American Equity Invest Life IA A- A- BBB+ 61
191 Genworth Life & Ann Ins VA A- BBB- Baa1 BBB 61
192 Forethought Life Ins Co IN A- A- Baa1 61
193 Commonwealth Ann & Life MA A- A- Baa1 61
194 Genworth Life Ins Co NY NY A- BBB- Baa1 BBB 61
195 First Allmerica Financial Life MA A- A- Baa1 61
196 Bankers Conseco Life Ins NY A- BBB+ BBB+ 60
197 Hartford Life Ins Co CT A- BBB+ Baa2 59
198 Hartford Life & Ann Ins CT A- BBB+ Baa2 59
199 Delaware Life Ins Co DE A- BBB Baa2 59
200 Accordia Life & Ann Co IA A- A- 59
201 ShelterPoint Life Ins Co NY A- A- 59
202 Lincoln Benefit Life Co NE A- BBB+ 57
203 American Equity Invest Life NY NY A- BBB+ 57
204 Eagle Life Ins Co IA A- BBB+ 57
205 Paul Revere Variable Ann ME B++ A2 A 57
206 Delaware Life Ins Co NY NY A- BBB 56
207 UNICARE Life & Health Ins Co IN A- BBB 56
208 Fidelity & Guaranty Life Ins IA B++ BBB- Baa3 BBB 53
209 Fidelity & Guar Life Ins Co NY NY B++ BBB- BBB 49
210 Security Benefit Life Ins Co KS B++ A- 45
211 Time Ins Co WI B+ BB+ Baa3 45
212 First Security Benefit L&A NY NY B++ A- 45
213 John Alden Life Ins Co WI B+ BB+ Ba1 44
214 EquiTrust Life Ins Co IL B++ BBB+ 43
215 MedAmerica Ins Co PA B++ BBB+ 43
216 MedAmerica Ins Co of New York NY B++ BBB+ 43
217 MedAmerica Ins Co of Florida FL B++ BBB+ 43
218 Kanawha Ins Co SC B++ BBB 42
219 Health Net Life Ins Co CA B++ BBB 42
220 Humana Ins of Puerto Rico Inc PR B++ BBB 42
221 Phoenix Life Ins Co NY B B+ 33
222 PHL Variable Ins Co CT B B+ 33
223 Union Fidelity Life Ins Co KS A-
224 CMFG Life Ins Co IA A
225 Modern Woodmen of America IL A+