Research on Life Insurance Companies, Products and their Ratings

The table below gives you an idea of what each of the various ratings mean to you. Life insurance companies are rated by five major rating services. Each service uses its own criteria to issue a “report card” for the companies it rates. Although each service uses an alphabetical rating scale, an A+ from one service may not mean the same as an A+ from another. The following chart lists the ratings available from the five companies and groups them by rating strength.

Rating description

Superior
minimal risk of financial instability, most able to meet claim obligations.

Excellent
financially strong with excellent claims-paying ability

Good
good claims-paying ability, stronger than the average company.

Adequate
higher risk than “good” rating.

Below
Average below-average claims-paying ability and financial strength.

Financially
Weak high degree of risk, vulnerable to default.

Nonviable
extremely risky, in or near default.

A. M. Best

A++
A+

A
A-

B++
B+

B
B-

C++
C+

C
C-
D

E
F

Fitch

AAA

AA+
AA
AA-

A+
A
A-

BBB+
BBB
BBB-

BB+
BB
BB-

B+
B
B-

CCC
CC
C
DDD
DD
D

Moody’s

Aaa

Aa1
Aa2
Aa3

A1
A2
A3

Baa1
Baa2
Baa3

Ba1
Ba2
Ba3

B1
B2
B3
D

Caa
Ca
C

Standard & Poor’s

AAA

AA+
AA
AA-

A+
A
A-

BBB+
BBB
BBB-

BB+
BB
BB

B+
B
B-

CCC
CC
R

Weiss The Stree

A+

A
A-

B+
B
B-

C+
C
C-

D+
D
D-

E+
E
E-

Life Insurance Companies Rating Websites

To get further rating information on companies, please visit the rating company’s websites below:

A.M. Best – www.ambest.com
Fitch – www.fitchratings.com
Moody’s – www.moodys.com
Standard & Poor’s – www.standardandpoors.com
Weiss – www.weissratings.com

Research on Various Life Insurance Companies

Research in detail the companies below. You will learn about their history, their products, their financial ratings and our comments on their policies and products. These will help you to find the companies and the lowest premiums.

Research on Life Insurance Companies, Products and their Ratings

Life Insurance Companies Rating Websites

Research on Various Life Insurance Companies

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