October, 22 2019

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Life insurance reviews, news and prices from the top companies

Life Insurance Ratings 2019

Life Insurance Ratings 2019

Life Insurance Ratings 2019

This article will provide you with the current life insurance ratings 2019 for nearly every life insurance company in the United States. Why are life insurance ratings important? The grade or rating a life insurance company receives from the independent rating agencies shows strong a company is financially and will have the ability to payout future claims.

What to Look for?

There are four main rating agencies for life insurance in the United States; A.M. Best, S&P, Moody’s and Fitch. There is also a Comdex Score not an actual rating, rather an unbiased number that can be used to quickly and easily compare the ratings a company has received from the other rating agencies.

Life Insurance Ratings 2019 Table

Company Name State A.M. Best S&P Moody’s Fitch Comdex Ranking
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 Berkshire Hathaway Life of NE NE A++ AA+ 100
5 General Re Life Corporation CT A++ AA+ 100
6 Northwestern Long Term Care WI A++ AA+ Aaa AAA 100
7 Teachers Ins & Ann Assoc NY A++ AA+ Aa1 AAA 99
8 Thrivent Finl for Lutherans WI A++ AA+ 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 Thrivent Life Ins Co WI A++ AA+ 99
12 Berkshire Life Ins Co of Amer MA A++ AA+ AA+ 99
13 USAA Life Ins Co of NY NY A++ AA+ Aa1 99
14 Massachusetts Mutual Life Ins MA A++ AA+ Aa2 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 Knights of Columbus CT A+ AA+ 98
18 Guardian Ins & Ann Co Inc DE A++ AA+ Aa2 AA+ 98
19 C M Life Ins Co CT A++ AA+ Aa2 AA+ 98
20 MML Bay State Life Ins Co CT A++ AA+ Aa2 AA+ 98
21 State Farm Life & Acc Assur Co IL A++ AA Aa1 98
22 Allianz Life Ins Co of NY NY A+ AA 97
23 CSI Life Ins Co NE A+ AA 97
24 Great-West Life & Ann CO A+ AA Aa3 AA 96
25 Great-West Life & Ann NY NY A+ AA Aa3 AA 96
26 RiverSource Life Ins Co MN A+ AA- Aa3 95
27 Minnesota Life Ins Co MN A+ AA- Aa3 AA 95
28 American United Life Ins Co IN A+ AA- 95
29 Hannover Life Reassur Amer FL A+ AA- 95
30 Swiss Re Life & Health America MO A+ AA- Aa3 95
31 Western-Southern Life Assur OH A+ AA- Aa3 AA 95
32 Western & Southern Life Ins OH A+ AA- Aa3 AA 95
33 Integrity Life Ins Co OH A+ AA- Aa3 AA 95
34 State Life Ins Co IN A+ AA- 95
35 Munich American Reassur Co GA A+ AA- 95
36 RiverSource Life Ins Co of NY NY A+ AA- Aa3 95
37 Lafayette Life Ins Co OH A+ AA- AA 95
38 National Integrity Life Ins Co NY A+ AA- Aa3 AA 95
39 Columbus Life Ins Co OH A+ AA- Aa3 AA 95
40 Companion Life Ins Co NY A+ AA- 95
41 HCC Life Ins Co IN A++ AA- AA- 95
42 Sun Life & Health Ins Co US MI A+ AA- 95
43 SCOR Global Life USA Re Co DE A+ AA- 95
44 Securian Life Ins Co MN A+ AA- Aa3 AA 95
45 SCOR Global Life Reins Co DE DE A+ AA- 95
46 United World Life Ins Co NE A+ AA- 95
47 Metropolitan Life Ins Co NY A+ AA- Aa3 AA- 94
48 Sun Life Assur CN A+ AA- Aa3 AA- 94
49 Allianz Life Ins Co N America MN A+ AA A1 94
50 Prudential Annuities Life Assur AZ A+ AA- AA- 94
51 Mutual of America Life Ins Co NY A+ AA- AA- 94
52 Pruco Life Ins Co of NJ NJ A+ AA- AA- 94
53 Metropolitan Tower Life Ins Co DE A+ AA- Aa3 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 SCOR Global Life Americas Rein DE A+ AA- AA- 94
57 Prudential Ins Co of America NJ A+ AA- A1 AA- 93
58 John Hancock Life Ins Co USA MI A+ AA- A1 AA- 93
59 Jackson National Life Ins Co MI A+ AA- A1 AA- 93
60 Pruco Life Ins Co AZ A+ AA- A1 AA- 93
61 Prudential Retirement Ins&Ann CT A+ AA- A1 AA- 93
62 United of Omaha Life Ins Co NE A+ AA- A1 93
63 John Hancock Life Ins Co NY NY A+ AA- A1 AA- 93
64 John Hancock Life & Health Ins MA A+ AA- A1 AA- 93
65 Jackson National Life Ins of NY NY A+ AA- A1 AA- 93
66 Mutual of Omaha Ins Co NE A+ AA- A1 93
67 Primerica Life Ins Co TN A+ AA- A1 93
68 Allstate Assur Co IL A+ NR A1 93
69 Lincoln National Life Ins Co IN A+ AA- A1 A+ 91
70 Pacific Life Ins Co NE A+ AA- A1 A+ 91
71 Transamerica Life Ins Co IA A+ AA- A1 A+ 91
72 Transamerica Premier Life Ins Co IA A+ AA- A1 A+ 91
73 Protective Life Ins Co TN A+ AA- A1 A+ 91
74 Transamerica Financial Life NY A+ AA- A1 A+ 91
75 Penn Mutual Life Ins Co PA A+ A+ Aa3 91
76 Lincoln Life & Ann Co NY NY A+ AA- A1 A+ 91
77 American Life Ins Co DE NR AA- A1 91
78 Transamerica Advisors Life Ins AR A+ AA- A+ 91
79 Liberty National Life Ins Co NE A+ AA- A1 A+ 91
80 Pacific Life & Ann Co AZ A+ AA- A1 A+ 91
81 Penn Ins & Ann Co DE A+ A+ Aa3 91
82 West Coast Life Ins Co NE A+ AA- A1 A+ 91
83 Globe Life And Acc Ins Co NE A+ AA- A+ 91
84 American Income Life Ins Co IN A+ AA- A+ 91
85 Protective Life & Ann Ins AL A+ AA- A+ 91
86 United American Ins Co NE A+ AA- A+ 91
87 Principal Life Ins Co IA A+ A+ A1 AA- 90
88 Fidelity Investments Life Ins UT A+ A+ 90
89 Wilton Reassur Co MN A+ A+ 90
90 Empire Fidelity Investments Life NY A+ A+ 90
91 Wilco Life Ins Co IN A+ A+ 90
92 Texas Life Ins Co TX A+ NR A+ 90
93 Wilton Reassur Life Co NY NY A+ A+ 90
94 Principal National Life Ins Co IA A+ A+ A1 AA- 90
95 Nationwide Life Ins Co OH A+ A+ A1 89
96 American Fam Assur Columbus NE A+ A+ Aa3 A+ 89
97 RGA Reins Co MO A+ AA- A 89
98 Nationwide Life & Ann Ins OH A+ A+ A1 89
99 UnitedHealthcare Ins Co CT A AA A1 AA- 89
100 Midland National Life Ins Co IA A+ A+ A+ 88
101 Allstate Life Ins Co IL A+ A+ A1 A+ 88
102 North American Co for L&H IA A+ A+ A+ 88
103 MONY Life Ins Co NY A+ A+ A1 A+ 88
104 Allstate Life Ins Co of NY NY A+ A+ A1 A+ 88
105 American Family Life Assur NY NY A+ A+ A+ 88
106 Golden Rule Ins Co IN A AA 88
107 Ohio National Life Ins Co OH A+ A A1 87
108 Liberty Life Assur of Boston NH A AA- 87
109 Cigna Health & Life Ins Co CT A AA- A1 87
110 Ohio National Life Assur Corp OH A+ A A1 87
111 Aetna Health & Life Ins Co CT A AA- 87
112 First Reliance Standard Life NY A+ A 86
113 Aetna Life Ins Co CT A AA- A3 AA- 84
114 Connecticut General Life Ins CT A AA- A1 A 84
115 Anthem Life Ins Co IN A A1 84
116 Reliance Standard Life Ins Co IL A+ A A2 83
117 American Heritage Life Ins Co FL A+ A A 83
118 Standard Ins Co OR A A+ A1 A 82
119 AGC Life Ins Co MO A A+ 82
120 American Family Life Ins Co WI A A+ 82
121 Cincinnati Life Ins Co OH A A+ A+ 82
122 Ameritas Life Ins Corp NE A A+ 81
123 Zurich American Life Ins Co IL A+ A A3 81
124 Life Ins of North Amer PA A NR A1 A 81
125 Brighthouse Life Ins Co NY NY A A+ 81
126 Ann Investors Life Ins Co OH A A+ 81
127 Dearborn National Life Ins Co IL A A+ 81
128 Ameritas Life Ins Corp of NY NY A A+ 81
129 Dearborn Natl Life NY NY A A+ 81
130 American General Life Ins Co TX A A+ A2 A+ 80
131 Variable Ann Life Ins Co TX A A+ A2 A+ 80
132 Symetra Life Ins Co IA A A A1 A 80
133 United States Life Ins of NY NY A A+ A2 A+ 80
134 First Penn-Pacific Life Ins Co IN A A- A1 A+ 80
135 AXA Equitable Life Ins Co NY A A+ A2 79
136 Great American Life Ins Co OH A A+ A2 79
137 Life Ins Co of Southwest TX A A+ A2 79
138 National Life Ins Co VT A A+ A2 79
139 MONY Life Ins Co of Amer AZ A A+ A2 79
140 American National Ins Co TX A A 78
141 Mutual Trust Life Ins Co IL A A 78
142 American National Life Ins NY NY A A 78
143 Pan-American Life Ins Co LA A A 78
144 Provident Life & Casualty TN A NR A 78
145 Cigna Life Ins Co of New York NY A NR A 78
146 Blue Shield of CA Life & Hlth CA A A 78
147 Standard Life Ins of NY NY A A 78
148 Midwestern United Life Ins Co IN A A 78
149 MEMBERS Life Ins Co IA A A 78
150 Cigna Worldwide Ins Co DE A A 78
151 Pan-American Assur Co LA A A 78
152 Brighthouse Life Ins Co DE A A+ A3 A 77
153 Voya Retirement Ins & Ann Co CT A A A2 A 77
154 Unum Life Ins Co of Amer ME A A A2 A 77
155 ReliaStar Life Ins Co MN A A A2 A 77
156 CMFG Life Ins Co IA A A A2 77
157 Security Life of Denver Ins Co CO A A A2 A 77
158 Hartford Life & Acc Ins CT A A A2 77
159 New England Life Ins Co MA A A+ A3 A 77
160 Horace Mann Life Ins Co IL A A A2 A 77
161 Provident Life & Acc TN A A A2 A 77
162 Paul Revere Life Ins Co MA 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 ReliaStar Life Ins Co of NY NY A A A2 A 77
166 First Symetra Nat Life Ins NY NY A A A 77
167 Accordia Life & Ann Co IA A A- A 75
168 Athene Ann & Life Co IA A A A- 74
169 Athene Ann & Life Assur Co DE A A A- 74
170 National Western Life Ins Co CO A A- 74
171 Athene Ann & Life Assur NY NY A A A- 74
172 Savings Bank Mutual Life Ins MA A A- 74
173 Pacific Guardian Life Co Ltd HI A A- 74
174 USAble Life AR A A- 74
175 Standard Life & Acc Ins TX A A- 74
176 Forethought Life Ins Co IN A A- A3 A 73
177 Commonwealth Ann & Life MA A A- A3 A 73
178 First Allmerica Financial Life MA A A- A3 A 73
179 Unum Ins Co ME A- A2 A 64
180 United Ins Co of America IL A- A- A3 A- 62
181 Bankers Life & Casualty Co IL A- BBB+ A3 BBB+ 61
182 Washington National Ins Co IN A- BBB+ A3 BBB+ 61
183 Union Security Ins Co KS A- A Baa1 61
184 Colonial Penn Life Ins PA A- BBB+ A3 BBB+ 61
185 AXA Equitable Life & Ann CO A- A+ 61
186 American Bankers Life Assur Co FL A- A Baa1 61
187 Reliable Life Ins Co MO A- A- A- 59
188 Union National Life Ins Co LA A- A- A- 59
189 American Equity Invest Life IA A- A- BBB+ 58
190 American Memorial Life Ins Co SD A- A 58
191 Bankers Conseco Life Ins NY A- BBB+ BBB+ 58
192 Humana Ins Co of KY KY A- A 58
193 Security Benefit Life Ins Co KS A- A- 55
194 First Security Benefit L&A NY NY A- A- 55
195 American Nat’l Life Ins Texas TX A- A- 55
196 ShelterPoint Life Ins Co NY A- A- 55
197 Delaware Life Ins Co DE A- BBB+ 53
198 Fidelity & Guaranty Life Ins IA B++ BBB+ Baa2 BBB 53
199 Lincoln Benefit Life Co NE A- BBB+ 53
200 Delaware Life Ins Co NY NY A- BBB+ 53
201 Eagle Life Ins Co IA A- BBB+ 53
202 American Equity Invest Life NY NY A- BBB+ 53
203 UNICARE Life & Health Ins Co IN A- BBB 52
204 Genworth Life & Ann Ins VA B+ B- Ba3 BB 50
205 Hartford Life Ins Co CT B++ BBB Baa3 49
206 Hartford Life & Ann Ins CT B++ BBB Baa3 49
207 Fidelity & Guar Life Ins Co NY NY B++ BBB+ BBB 49
208 Genworth Life Ins Co DE B- B- B3 B+ 48
209 Genworth Life Ins Co NY NY B- B- B3 B+ 48
210 EquiTrust Life Ins Co IL B++ BBB+ 41
211 Employers Reassur Corp KS B++ BBB+ 41
212 Phoenix Life Ins Co NY B BB 34
213 PHL Variable Ins Co CT B BB 34
214 Prudential Legacy Ins Co NJ NJ NR
215 Voya Ins & Ann Co IA NR NR A2
216 Union Fidelity Life Ins Co KS B++
217 Modern Woodmen of America IL A NR
218 Guggenheim Life & Ann Co DE B++
219 Southern Farm Bureau Life Ins MS A+
220 General American Life Ins Co MO NR NR AA-
221 Woodmen of the World Life Soc NE A+
222 COUNTRY Life Ins Co IL A+ NRpi
223 Farm Bureau Life Ins Co IA A
224 Sentry Life Ins Co WI A+
225 Lombard Intl Life Assur Co PA A-
226 American Fidelity Assur Co OK A+
227 Jefferson National Life Ins Co TX A
228 Farmers New World Life Ins Co WA A NR
229 Americo Financial Life & Ann TX A
230 Brooke Life Ins Co MI A+
231 Auto-Owners Life Ins Co MI A+
232 National Guardian Life Ins Co WI A-
233 Gerber Life Ins Co NY A
234 Union Labor Life Ins Co MD B++
235 Kansas City Life Ins Co MO A
236 Independence Life & Ann Co DE A-
237 Aurora National Life Assur CA
238 Homesteaders Life Co IA A-
239 Security Mutual Life of NY NY A-
240 Assurity Life Ins Co NE A- NR
241 Farm Bureau Life Ins Co of MI MI A
242 Foresters Life Ins & Ann NY A
243 GBU Financial Life PA A-
244 LifeCare Assur Co AZ
245 Erie Family Life Ins Co PA A
246 Kanawha Ins Co SC NR
247 Wilcac Life Ins Co IL A+
248 United Farm Family Life Ins Co IN A
249 Physicians Mutual Ins Co NE A
250 Tennessee Farmers Life Ins Co TN A+
251 Oxford Life Ins Co AZ A-
252 Federated Life Ins Co MN A+
253 Reinsurance Co of Missouri MO
254 Blue Cross & Blue Shield KS KS A
255 Liberty Bankers Life Ins Co OK B++
256 Catholic Financial Life WI NR
257 Physicians Life Ins Co NE A
258 Trustmark Ins Co IL A-
259 United Life Ins Co IA A-
260 Combined Ins Co of America IL A+
261 Pekin Life Ins Co IL A-
262 SBLI USA Life Ins Co NY A-
263 Columbian Mutual Life Ins Co NY B++
264 Illinois Mutual Life Ins Co IL A-
265 Boston Mutual Life Ins Co MA A
266 Alfa Life Ins Corp AL A
267 Structured Ann Reins Co IA NR
268 Universal Life Ins Co PR A-
269 Great Western Ins Co UT A- NR
270 Conseco Life Ins Co of Texas TX
271 Funeral Directors Life Ins Co TX A-
272 Colorado Bankers Life Ins Co NC B++ NR
273 Family Heritage Life of Amer OH A+ NR
274 Gleaner Life Ins Society MI A- NR
275 Amica Life Ins Co RI A+
276 Baltimore Life Ins Co MD B++
277 Shelter Life Ins Co MO A
278 Western United Life Assur Co WA B+
279 Automobile Club of Sthrn CA Life CA A
280 Catholic Order of Foresters IL A-
281 Catholic Life Ins TX A- NR
282 All Savers Ins Co IN A
283 National Slovak Society of US PA NR-5
284 Sagicor Life Ins Co TX A-
285 Reliance Standard Life of TX TX
286 Shenandoah Life Ins Co VA A-
287 Royal Neighbors of America IL A- NR
288 Lincoln Heritage Life Ins Co IL A-
289 Athene Life Ins Co of NY NY A
290 First Catholic Slovak Ladies OH A-
291 EMC National Life Co IA A-
292 Fidelity Security Life Ins Co MO A-
293 American Republic Ins Co IA A-
294 DL Reins Co DE NR
295 American Health & Life Ins TX B NR
296 Government Personnel Mutual TX A-
297 Ozark National Life Ins Co MO MO A-
298 United Fidelity Life Ins Co TX
299 Sentinel Security Life Ins Co UT B++
300 ELCO Mutual Life & Ann IL B
301 Auto Club Life Ins Co MI A
302 HM Life Ins Co PA A
303 Continental American Ins Co NE A+
304 Monarch Life Ins Co MA E
305 Paragon Life Ins Co IN IN NR
306 Guaranty Income Life Ins Co LA B++ NR
307 WEA Ins Corporation WI
308 AAA Life Ins Co MI A
309 Triple-S Vida Inc. PR B++
310 Investors Life of North Amer TX B+
311 Pacific Beacon Life Reassur HI A
312 Guarantee Trust Life Ins Co IL B++
313 Farm Bureau Life Ins Co of MO MO A-
314 Crown Global Ins Co of America DE B++
315 Manhattan Life Ins Co NY B+
316 United Heritage Life Ins Co ID A-
317 Natl Teachers Assoc Life Ins TX A-
318 US Financial Life Ins Co OH A
319 National Benefit Life Ins Co NY A+ NR
320 New Era Life Ins Co TX B++
321 Pioneer Mutual Life Ins Co ND A+ NR
322 American Slovenian Cath Union IL NR-5
323 Unimerica Ins Co WI A
324 National Security Life & Ann NY A
325 Educators Life Ins of America IL
326 Croatian Fraternal Union PA NR-5
327 Motorists Life Ins Co OH A-
328 Mutual Savings Life Ins Co AL A- NR
329 Investors Heritage Life Ins Co KY B+ NR
330 William Penn Association PA B++
331 Atlantic Coast Life Ins Co SC B++
332 Merit Life Ins Co IN B
333 Combined Life Ins Co of NY NY A+
334 Everence Association Inc IN NR-5
335 Polish Nat’l Alliance of US NA IL NR-5 NR
336 Vantis Life Ins Co CT A
337 Southland National Ins Corp NC NR
338 Settlers Life Ins Co WI A-
339 Constitution Life Ins Co TX B
340 Grange Life Ins Co OH A-
341 American Fidelity Life Ins Co FL B++
342 National Farm Life Ins Co TX B++
343 Central States H&L Co of Omaha NE A-
344 Harleysville Life Ins Co OH A-
345 Fidelity Life Association IL A-
346 First Health Life & Health Ins TX A
347 First Catholic Slovak Union OH
348 ManhattanLife Assur Co of Amer AR B+
349 Companion Life Ins Co SC A+
350 LifeSecure Ins Co MI NR
351 Trans World Assur Co CA B++
352 Continental Life Brentwood TN TN A
353 Best Meridian Ins Co FL A-
354 Cotton States Life Ins Co GA A-
355 Columbian Life Ins Co IL B++
356 Madison Natl Life Ins Co. Inc WI A-
357 Chesterfield Reins Co MO NR
358 Sunset Life Ins Co of America MO A-
359 Family Service Life Ins Co TX NR
360 Loyal American Life Ins Co OH A NR
361 Trustmark Life Ins Co IL A-
362 Capitol Life Ins Co TX B++
363 COUNTRY Investors Life Assur IL A+
364 American-Amicable Life Ins TX TX A NR
365 Church Life Ins Corporation NY A-
366 5 Star Life Ins Co NE A- NR
367 Philadelphia American Life Ins TX B++
368 Berkley Life & Health Ins Co IA A+
369 American Continental Ins Co TN A
370 Unity Financial Life Ins Co OH B++ NR
371 State Mutual Ins Co GA B+
372 American Home Life Ins Co KS B++
373 Old American Ins Co MO A-
374 Clear Spring Life Ins Co TX NR
375 AXA Corporate Solutions Life Re DE B+
376 Hermann Sons Life TX
377 Occidental Life Ins Co of NC TX A NR
378 United States Letter Carriers TN NR-5
379 SPJST TX B
380 Globe Life Ins Co of NY NY A+
381 Park Avenue Life Ins Co DE NR
382 Bankers Life Ins Co NC B
383 National Income Life Ins NY A+
384 First Berkshire Hathaway Life NY A+
385 UnitedHealthcare Life Ins Co WI A
386 Nippon Life Ins Co of Amer IA A-
387 4 Ever Life Ins Co IL A-
388 Great Southern Life Ins Co TX A
389 John Alden Life Ins Co WI NR
390 Unified Life Ins Co TX B++
391 Woman’s Life Ins Society MI NR
392 London Life Reins Co PA A+
393 Polish Roman Catholic Union IL NR
394 National Farmers Union Life TX B+
395 Forethought National Life Ins TX
396 Loyal Christian Benefit Assoc PA NR-5
397 PacifiCare Life & Health Ins IN NR AA-
398 Optimum Re Ins Co TX A-
399 NYLIFE Ins Co of Arizona AZ
400 National Catholic of Foresters IL NR-5
401 LifeWise Assur Co WA A-
402 Chesapeake Life Ins Co OK B++
403 Manhattan National Life Ins Co OH B++
404 Family Life Ins Co TX B+
405 Life Ins Co of Boston & NY NY A
406 Vantis Life Ins Co of NY NY A
407 Bankers Fidelity Life Ins Co GA A-
408 Caterpillar Life Ins Co MO
409 IA American Life Ins Co TX A
410 Freedom Life Ins Co of Amer TX B++
411 GPM Health & Life Ins Co WA B++
412 Cincinnati Equitable Life OH B+
413 American Benefit Life OK B++
414 CSA Fraternal Life IL NR-5
415 New Era Life Ins Co Midwest TX B++
416 Standard Security Life of NY NY A-
417 Garden State Life Ins Co TX A
418 Jamestown Life Ins Co VA
419 Amalgamated Life Ins Co NY A
420 Portuguese Fraternal Soc of Am CA NR
421 Life Ins Co of Alabama AL B++
422 Old Republic Life Ins Co IL B++
423 Reserve National Ins Co OK A-
424 Delaware American Life Ins Co DE A
425 Puritan Life Ins Co of Amer TX B++
426 Athene Life Ins Co DE NR
427 Multinational Life Ins Co PR B++ NR
428 Sentry Life Ins Co of New York NY A+
429 American Retirement Life Ins OH A
430 Supreme Council Royal Arcanum MA
431 Luso-American Life Ins Society CA NR
432 Professional Ins Co TX B++
433 Life of the South Ins Co GA A-
434 American Public Life Ins Co OK A+
435 Omaha Ins Co NE NR
436 LifeMap Assur Co OR A-
437 United Home Life Ins Co IN A-
438 Parker Centennial Assur Co WI A+
439 Germania Life Ins Co TX B++
440 Central Security Life Ins Co TX
441 Jefferson National Life Ins NY NY NR
442 Old United Life Ins Co AZ A
443 Time Ins Co WI NR
444 Medico Ins Co IA A-
445 Pioneer Security Life Ins Co TX A
446 Starmount Life Ins Co LA A-
447 LifeShield National Ins Co OK B++
448 Humana Ins of Puerto Rico Inc PR B++
449 Southern Life & Health Ins. Co WI
450 Trans-Oceanic Life Ins Co PR B++
451 Pyramid Life Ins Co KS B
452 Zurich American Life Ins Co NY NY NR
453 Pioneer American Ins Co TX A
454 HM Life Ins Co NY NY A
455 Popular Life Re PR B++
456 Union Security Life Ins NY NY A-
457 Medico Corp Life Ins Co IA A-
458 Mid-West National Life of TN TX NR
459 American Maturity Life Ins Co CT
460 Bluebonnet Life Ins Co MS A
461 Florida Combined Life Ins Co FL A
462 Advance Ins Co of Kansas KS A
463 Christian Fidelity Life Ins Co TX A-
464 Greater Georgia Life Ins Co GA A
465 National Security Ins Co AL B+
466 PartnerRe Life Reins America AR A
467 Lumico Life Ins Co MO A
468 National Health Ins Co TX A-
469 Enterprise Life Ins Co TX B++
470 ACE Life Ins Co CT A-
471 Landmark Life Ins Co TX B
472 Fidelity Security Life Ins NY NY A-
473 Preneed Reins Co of Amer AZ
474 First Assur Life of America LA A-
475 Atlanta Life Ins Co GA C++
476 American Modern Life Ins Co OH A-
477 Unimerica Life Ins Co of NY NY A
478 First Command LIC TX
479 National Foundation Life Ins TX B++
480 Caribbean American Life Assur PR A-
481 Sterling Life Ins Co IL NR
482 Intramerica Life Ins Co NY B++
483 Direct General Life Ins SC A-
484 Performance Life of America LA A-
485 Lewer Life Ins Co MO B+
486 Phoenix Life & Ann Co CT B
487 American Federated Life Ins MS B
488 SWBC Life Ins Co TX B++
489 North Carolina Mutual Life Ins NC NR
490 Standard Life & Casualty Ins UT B
491 Commercial Travelers Life Ins NY A-
492 Landcar Life Ins Co UT NR
493 United National Life of Amer IL B++
494 Commencement Bay Risk Mgmt Ins WA A
495 Individual Assur Life Hlth & Acc OK B+
496 Western American Life Ins Co TX
497 Sentinel American Life Ins Co TX NR
498 Plateau Ins Co TN A-
499 Citizens Security Life Ins Co KY B++
500 American Indep Network of NY NY NR
501 Anthem Life & Disability Ins Co NY A
502 United Security Assur Co of PA PA C-
503 American Republic Corp Ins Co IA A-
504 MAPFRE Life Ins Co DE A-
505 Monitor Life Ins Co NY A-
506 Kentucky Funeral Directors Life KY B+
507 Patriot Life Ins Co MI A
508 BEST Life & Health Ins Co TX B+
509 Companion Life Ins Co of CA CA A+
510 IdeaLife Ins Co CT A-
511 Trans-City Life Ins Co AZ A-
512 Colonial Life Ins Co of Texas TX
513 TPM Life Ins Co PA A-
514 North American Ins Co WI B++
515 Missouri Valley Life & Health MO
516 Bankers Life of Louisiana LA A-
517 S.USA Life Ins Co AZ A-
518 Symetra National Life Ins Co IA
519 Omaha Health Ins Co NE NR
520 Niagara Life & Health Ins Co NY A+
521 United Commercial Travelers OH B+
522 Wichita National Life Ins Co OK B+
523 Southern Pioneer Life Ins Co AR A-
524 Medico Life & Health Ins Co IA A-
525 Greenfields Life Ins Co CO NR
526 Central Reserve Life OH A
527 Triple-S Blue Inc. I.I. PR B++
528 Ohio State Life Ins Co TX NR
529 Zale Life Ins Co AZ NR
530 Life of America Ins Co TX NR
531 Financial Assur Life Ins TX
532 Hartford Internat Life Reassur CT NR
533 Bankers Fidelity Assur Co GA A-
534 CareAmerica Life Ins Co CA B++
535 Life Ins Co of Louisiana LA B+
536 USIC Life Ins Co PR B++
537 Pan-American Life Ins Co of PR PR NR
538 Trustmark Life Ins Co of NY NY A-
539 Provident American Life & Hlth OH A
540 Southern Financial Life Ins Co KY A-
541 ShelterPoint Ins Co FL A-
542 Mountain Life Ins Co TN B+
543 Cigna Arbor Life Ins Co CT NR
544 State Farm Health Ins Co IL
545 AAA Life Ins Co of NY NY A
546 Longevity Ins Co TX NR
547 Assurity Life Ins Co NY NY A-
548 Physicians Benefits Trust Life IL
549 NTA Life Ins Co of NY NY A-
550 Resource Life Ins Co IL NR
551 Regal Reins Co MA
552 Versant Life Ins Co MS A-
553 Leaders Life Ins Co OK A
554 All Savers Life Ins Co of CA CA
555 Legacy Life Ins Co of Missouri MO NR
556 Marquette Indemnity & Life Ins AZ
557 Academe Inc WA NR
558 Amalgamated Life & Health IL
559 Censtat Life Assur Co AZ A-
560 Kentucky Home Life Ins Co KY
561 Texas Directors Life Ins Co TX
562 Lombard Intl Life Assur Co NY NY A-
563 Life Assur Co OK
564 American Farm Life Ins Co TX
565 Westport Life Ins Co AZ NR
566 North American Swiss Alliance OH NR
567 United Benefit Life Ins Co OH
568 Windsor Life Ins Co TX
569 Colonial Security Life Ins Co TX
570 Elan Solutions Inc VI B+
571 Great Western Life Ins Co MT
572 Sheridan Life Ins Co OK
573 Univantage Ins Co UT
574 American Service Life Ins Co AR
575 Connecticut Life Ins & Ann AZ

How to Read Life Insurance Ratings

A.M. Best

New York Life Insurance Rating

Secure Vulnerable
A++, A+ (Superior) B, B- (Fair)
A, A- (Excellent) C++, C+ (Marginal)
B++, B+ (Good) C, C- (Weak)
D (Poor)
E (Under Regulatory Supervision)
F (In Liquidation)
S (Suspended)

Fitch Ratings

Fitch Ratings NY Life

AAA: Highest credit quality.
‘AAA’ ratings denote the lowest expectation of default risk. They are assigned only in cases of exceptionally strong capacity for payment of financial commitments. This capacity is highly unlikely to be adversely affected by foreseeable events.

AA: Very high credit quality.
‘AA’ ratings denote expectations of very low default risk. They indicate very strong capacity for payment of financial commitments. This capacity is not significantly vulnerable to foreseeable events.

A: High credit quality.
‘A’ ratings denote expectations of low default risk. The capacity for payment of financial commitments is considered strong. This capacity may, nevertheless, be more vulnerable to adverse business or economic conditions than is the case for higher ratings.

BBB: Good credit quality.
‘BBB’ ratings indicate that expectations of default risk are currently low. The capacity for payment of financial commitments is considered adequate but adverse business or economic conditions are more likely to impair this capacity.

BB: Speculative.
‘BB’ ratings indicate an elevated vulnerability to default risk, particularly in the event of adverse changes in business or economic conditions over time; however, business or financial flexibility exists which supports the servicing of financial commitments.

B: Highly speculative.
‘B’ ratings indicate that material default risk is present, but a limited margin of safety remains. Financial commitments are currently being met; however, capacity for continued payment is vulnerable to deterioration in the business and economic environment.

CCC: Substantial credit risk.
Default is a real possibility.

CC: Very high levels of credit risk.
Default of some kind appears probable.

C: Exceptionally high levels of credit risk.
Default is imminent or inevitable, or the issuer is in standstill. Conditions that are indicative of a ‘C’ category rating for an issuer include:

  • a. the issuer has entered into a grace or cure period following non-payment of a material financial obligation;
  • b. the issuer has entered into a temporary negotiated waiver or standstill agreement following a payment default on a material financial obligation; or
  • c. Fitch Ratings otherwise believes a condition of ‘RD’ or ‘D’ to be imminent or inevitable, including through the formal announcement of a distressed debt exchange.

RD: Restricted default.
‘RD’ ratings indicate an issuer that in Fitch Ratings’ opinion has experienced an uncured payment default on a bond, loan or other material financial obligation but which has not entered into bankruptcy filings, administration, receivership, liquidation or other formal winding-up procedure, and which has not otherwise ceased operating. This would include:

  • a. the selective payment default on a specific class or currency of debt;
  • b. the uncured expiry of any applicable grace period, cure period or default forbearance period following a payment default on a bank loan, capital markets security or other material financial obligation;
  • c. the extension of multiple waivers or forbearance periods upon a payment default on one or more material financial obligations, either in series or in parallel; or
  • d. execution of a distressed debt exchange on one or more material financial obligations.

D: Default.
‘D’ ratings indicate an issuer that in Fitch Ratings’ opinion has entered into bankruptcy filings, administration, receivership, liquidation or other formal winding-up procedure, or which has otherwise ceased business.

Moody’s Investors Service

»Aaa– highest rating, representing minimum credit risk

»Aa1, Aa2, Aa3– high-grade

»A1, A2, A3– upper-medium grade

»Baa1, Baa2, Baa3– medium grade

Standard & Poor’s

New York Life Insurance Rating S& P

AAA An obligation rated ‘AAA’ has the highest rating assigned by Standard & Poor’s. The obligor’s capacity to meet its financial commitment on the obligation is extremely strong.
AA An obligation rated ‘AA’ differs from the highest-rated obligations only to a small degree. The obligor’s capacity to meet its financial commitment on the obligation is very strong.
A An obligation rated ‘A’ is somewhat more susceptible to the adverse effects of changes in circumstances and economic conditions than obligations in higher-rated categories. However, the obligor’s capacity to meet its financial commitment on the obligation is still strong.
BBB An obligation rated ‘BBB’ exhibits adequate protection parameters. However, adverse economic conditions or changing circumstances are more likely to lead to a weakened capacity of the obligor to meet its financial commitment on the obligation.
BB; B; CCC; CC; and C Obligations rated ‘BB’, ‘B’, ‘CCC’, ‘CC’, and ‘C’ are regarded as having significant speculative characteristics. ‘BB’ indicates the least degree of speculation and ‘C’ the highest. While such obligations will likely have some quality and protective characteristics, these may be outweighed by large uncertainties or major exposures to adverse conditions.
BB An obligation rated ‘BB’ is less vulnerable to nonpayment than other speculative issues. However, it faces major ongoing uncertainties or exposure to adverse business, financial, or economic conditions which could lead to the obligor’s inadequate capacity to meet its financial commitment on the obligation.
B An obligation rated ‘B’ is more vulnerable to nonpayment than obligations rated ‘BB’, but the obligor currently has the capacity to meet its financial commitment on the obligation. Adverse business, financial, or economic conditions will likely impair the obligor’s capacity or willingness to meet its financial commitment on the obligation.
CCC An obligation rated ‘CCC’ is currently vulnerable to nonpayment, and is dependent upon favorable business, financial, and economic conditions for the obligor to meet its financial commitment on the obligation. In the event of adverse business, financial, or economic conditions, the obligor is not likely to have the capacity to meet its financial commitment on the obligation.
CC An obligation rated ‘CC’ is currently highly vulnerable to nonpayment. The ‘CC’ rating is used when a default has not yet occurred, but Standard & Poor’s expects default to be a virtual certainty, regardless of the anticipated time to default.
C An obligation rated ‘C’ is currently highly vulnerable to nonpayment,and the obligation is expected to have lower relative seniority or lower ultimate recovery compared to obligations that are rated higher.
D An obligation rated ‘D’ is in default or in breach of an imputed promise. For non-hybrid capital instruments, the ‘D’ rating category is used when payments on an obligation are not made on the date due, unless Standard & Poor’s believes that such payments will be made within five business days in the absence of a stated grace period or within the earlier of the stated grace period or 30 calendar days. The ‘D’ rating also will be used upon the filing of a bankruptcy petition or the taking of similar action and where default on an obligation is a virtual certainty, for example due to automatic stay provisions. An obligation’s rating is lowered to ‘D’ if it is subject to a distressed exchange offer.
NR This indicates that no rating has been requested, or that there is insufficient information on which to base a rating, or that Standard & Poor’s does not rate a particular obligation as a matter of policy.

Comdex Score

The Comdex score is the average ranking a company receives from the four major rating agencies in America.  Rather than using letters, Comdex uses numbers on a scale of 1 to 100, with 100 being the best possible score and 1 being the lowest score.

Life Insurance Ratings 2019- Wrap Up

Looking up a life insurance company’s financial rating is important as this is the evaluation a third party rating agency has given it for a company’s financial strength and ability to payout future claims. To simplify, a rule of thumb many financial advisors use is to choose a company that received an A Excellent rating or better from A.M. Best.