Insurance Company Ratings
The table below is a list of insurance company ratings. You can get detailed information about each company by clicking its name.
You can also receive free annuity quotes from these companies in one quick and easy report (you will not be contacted by an agent). To start, select your Age, Gender, and Income Start Date.
If you'd like a calculation covering yourself and a spouse, select your spouse's age and gender too.
Next, enter an Amount to Invest and click Get My Quote. Your quote appears instantly on the next page. If you have any questions about your quotes or annuities in general call 800-872-6684.
|Insurance Company Ratings|
|Insurance Company||Customer Service||Major Rating Agencies|
|A.M.Best||S & P||Moody's|
|Allianz LIC of No. Amer.||(800) 950-7372||A+||AA||A2|
|American Equity LIC||(888) 221-1234||A-||A-||-|
|American General LIC Affiliate of AIG||(800) 231-3655||A||A+||A2|
|American National||(800) 252-9546||A||A||-|
|Brighthouse Life Ins. Co. (established by MetLife) Affiliate of Metropolitan Life||(800) 638-5433||A||A+||A3|
|Delaware Life Affiliate ofSun Life Assurance Co. of CA (US)||(877) 253-2323||A-||BBB||Baa2|
|EquiTrust Life||(866) 598-3692||BBB+||B++||-|
|Fidelity & Guaranty||(800) 357-8734||B++||BBB-||Baa3|
|Fidelity & Guaranty NY (only available to residents of NYS)||(800) 357-8734||B++||BBB-||Baa3|
|First Symetra National Life Ins. of NY (only available to residents of NYS)||(800) 599-5732||A||A||-|
|Foresters Life Insurance Co.||(800) 828-1540||A||-||-|
|Genworth Life Insurance Co. NEGATIVE OUTLOOK - FEB. 2016||(800) 554-6843||B++||BB||Ba1|
|Genworth Life NY (only available to residents of NYS) NEGATIVE OUTLOOK - FEB. 2016||(800) 554-6843||B++||BB||Ba1|
|Great American LIC||(800) 854-3649||A||A+||A2|
|Guardian Insurance & Annuity Co.||(800) 650-6505||A++||AA+||Aa2|
|Guggenheim Life and Annuity Co.||(800) 990-7626||B++||-||-|
|Integrity LIC Affiliate of Western & Southern||(800) 804-4465||A+||AA||-|
|Jackson National||(800) 711-5653||A+||AA||A1|
|Kansas City Life||(800) 572-2467||A||--||--|
|Lafayette Life Affiliate of Western & Southern||(800) 443-8793||A+||AA||-|
|Lincoln National LIC||(888) 916-4900||A+||AA-||A1|
|MassMutual Financial Group||(800) 272-2216||A++||AA+||Aa2|
|Metropolitan LIC (MetLife)||(800) 343-8496||A+||AA-||Aa3|
|Midland National Life Affiliate of Sammons Financial||(877) 586-0244||A+||A+||-|
|Minnesota Life||(800) 643-5728||A+||A+||Aa3|
|Nat'l Integrity LIC Affiliate of Western & Southern (only available to residents of NYS)||(800) 804-4465||A+||AA||-|
|New York Life||(800) 762-6212||A++||AA+||Aaa|
|North American Company for Life and Health Affiliate of Sammons Financial||(866) 322-7069||A+||A+||-|
|Oxford Life Insurance Company||(866) 641-9999||A-||-||-|
|Pacific Life & Annuity Co.||(800) 722-2333||A+||AA-||A1|
|Penn Mutual||(800) 523-0650||A+||A+||Aa3|
|Principal Life Insurance Co.||(866) 321-9648||A+||A+||A1|
|Protective Life||(800) 456-6330||A+||AA-||A2|
|Sentinel Security Life||(800) 247-1423||B++||-||-|
|The Standard Insurance Co.||(800) 378-4578||A||A+||A2|
|United of Omaha Affiliate of Mutual of Omaha||(800) 646-7592||A+||A+||A1|
|United States Life Affiliate of AIG (only available to residents of NYS)||(888) 438-6933||A||A+||A2|
|Voya Insurance & Annuity Co. Formerly ING USA Annuity & LIC||(800) 369-5303||A||A||A3|
|West Coast LIC||(800) 456-6330||A+||AA-||A2|
How to Read Annuity Company Ratings
There are many things to consider when shopping for an annuity but one of the most important is the strength of the insurance company that stands behind it. There are currently over 2,000 insurance companies in the U.S that issue annuities so finding the one that will best meet your needs can be a challenge.
Researching the market is a great way to narrow down the list. We can help you with that. Our annuity rates and quotes section allows you to check annuity rates, get annuity quotes and more importantly, investigate insurance company ratings.
The letter ratings you see next to the company name is an opinion issued by one of the rating agencies which rank annuity and life insurance companies. While these insurance company ratings can be extremely helpful, you have to know what they mean before you can decide which insurer you can trust with your money.
Who Are These Rating Companies?
Currently there are three major rating agencies that rate the financial strength of the various insurance companies. A.M. Best is the one that shows up most often when comparing annuity quotes.
Alfred M. Best founded A.M. Best in 1899. He had been working in the insurance industry since the age of 15, which gave him the expertise to run a company that issued reports on insurance companies. In 1906, the company started issuing insurance company ratings. A.M. Best does not offer guarantees with their ratings but they have been recognized as the leading rating agency in the marketplace.
When issuing a rating, A.M. Best examines an insurer's management, operating performance, as well as their balance sheet to get an overall picture of their financial strength. It then issues a report detailing what they discovered. These reports can be cumbersome to read so to make it easier for people to understand they also issue a letter grade.
Moody’s and S&P
The other two rating agencies are Moody’s and S&P. Insurers may not be rated by all three rating agencies as they must request and pay for these ratings. These two rating agencies assign letter grades as well.
Researching Complaints Against Insurers
Customer service is important with annuities, you want to be sure the phone will be answered when you have questions about your retirement income. Insurers are regulated by the state in which you reside so check your state insurance commissioners' site for complaint reports on any insurers you are considering.
Best's Credit Ratings reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of (Licensee's publication or service) or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best's Credit Ratings. Best's Credit Ratings are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.
A Best's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best's Credit Ratings for a disclaimer notice and complete details at A.M.Best.com
|Rank||A.M. Best||Standard & Poor's||Moody's|
|1||A++ Secure / Superior||AAA Extremely Strong||Aaa Exceptional|
|2||A+ Secure / Superior||AA+ Very Strong||Aa1, Aa2, Aa3 Excellent|
|3||A Secure / Excellent||AA Very Strong||A1, A2, A3 Good|
|4||A- Secure / Excellent||AA- Very Strong||Baa1, Baa2, Baa3 Adequate|
|5||B++ Secure / Very Good||A+ Strong||Ba1, Ba2, Ba3 Questionable|
|6||B+ Secure / Good||A Strong||B1, B2, B3 Poor|
|7||B Vulnerable / Fair||A- Strong||Caa Very Poor|
|8||B- Vulnerable / Fair||BBB+ Good||Ca Extremely Poor|
|9||C++ Vulnerable / Marginal||BBB Good||C Lowest|
|10||C+ Vulnerable / Marginal||BBB- Good||NR|
|11||C Vulnerable / Weak||BB+ Marginal||NR|
|12||C- Vulnerable / Weak||BB Marginal||NR|
|13||D Vulnerable / Poor||BB- Marginal||NR|
|14||E Vulnerable / Under State Supervision||B+ Weak||NR|
|15||F Vulnerable / In Liquidation||B Weak||NR|
|16||S Rating Suspended||B- Weak||NR|
|17||NR||CCC+ Very Weak||NR|
|18||NR||CCC Very Weak||NR|
|19||NR||CCC- Very Weak||NR|
|20||NR||CC Extremely Weak||NR|
|21||NR||R Regulatory Action||NR|
For details on each rating agency's methodology click the agency name link at the top of each column.