Top Life Insurance Companies

Instant Life Insurance Quote
State:
Birthdate:
Gender:
Smoker/Tobacco:
Health Class:
Type of Insurance:
Face Amount:
Your Name:
Phone Number:
E-mail Address:

Life Insurance Company Ratings

Recent economic conditions have underscored the importance of knowing your life insurance provider’s financial rating. While some companies have slipped, many remain strong. Use this list of top 50 life insurance company ratings to find a solid provider. All scores come from A.M. Best, Moody’s, Standard & Poor’s, and Fitch — the four top financial rating institutions.

The best life insurance companies of 2009 according to A.M. Best are:

  • New York Life: A++, stable outlook
  • Mass Mutual: A++, stable outlook
  • State Farm: A++, stable outlook
  • Geico: A++, stable outlook

Stable A+ companies include: Metlife, John Hancock, Mutual of Omaha, and Jackson National.

» Get Quotes From Top Life Insurance Companies

Company:A.M. Best:Moody’s:S&P:Fitch:
21st CenturyA-AA+
AIG LifeAA1A+A-
AllstateA+A1AA-A
AllianzAA2AAAA
AmicaA+---
American GeneralAA1A+A-
Banner LifeA+-AA--
American NationalA-AA--
AvivaAA1AA-A+
Axa EquitableAAa3AAAA-
Colonial PennBBa2BB-BB+
Empire GeneralA---
EquiTrustB+---
FarmersA---
FidelityA+-A+AA
Genworth LifeAA2AA-
GeicoA++Aa3AAAAA+
Hartford LifeAA3AA-
INGAA1A+AA-
Integrity LifeA+Aa3AA+AA
Kansas City LifeA-A-
Jackson NationalA+A1-AA
Jefferson NationalB----
John HancockA+Aa3AA+AA
Liberty MutualABaa1A-A-
Lincoln NationalA+A2AA-A+
Mass MutualA++Aa1-AAA
MetLifeA+Aa2AA-AA
Midland NationalA+-A+A
Monumental LifeAA1AA-AA
Mutual of OmahaA+Aa3--
Nationwide LifeA+A1A+A
New York LifeA++AaaAAAAAA
North AmericanB+-A+A
Ohio NationalA+---
Old MutualAA1-BBB-
Pacific LifeA+A1AA-AA-
Penn MutualA+Aa3--
PresidentialB+---
ProtectiveA+A2AA-A+
PrudentialA+A2AA-A+
ReliaStarAA1A+AA-
RiversourceA+-AA-AA-
Standard LifeA-AA+
State FarmA++Aa1-AA+
SunAmericaAA1A+A-
The TravelersAA2AA-AA
TransamericaAA1AA-AA
West Coast LifeA+A2AA-A+
Zurich AmericanA-AA-A+

*Company ratings as of 07/24/2009. Subject to change without notice.
** A dash (-) indicates that the company wasn’t rated or ratings were out-of-date.

A.M. Best Rating Explanations

Rating:Description:Definition:
A++, A+SuperiorAble to meet insurance obligations.
A, A-ExcellentAble to meet insurance obligations.
B++, B+GoodAble to meet insurance obligations.
B, B-FairVulnerable to unfavourable economic conditions.
C++, C+MarginalVulnerable to unfavourable economic conditions.
C, C-WeakVery vulnerable to unfavourable economic conditions.
DPoorExtremely vulnerable to unfavourable economic conditions.
EUnder SupervisionCompany is under regulation, preventing normal business operations.
FIn LiquidationCompany is ongoing voluntary liquidation.
SSuspendedUnevaluated due to inadequate information or lack of cooperation.

Moody’s Rating Explanations

Rating:Description:Definition:
AAAExtremely StrongMarket conditions are unlikely to affect a fundamentally strong position.
AAVery StrongHigh-grade company with marginally larger long-term risks.
AStrongFinancially secure, but signs of possible long-term susceptibility.
BaaAdequateLacking in certain protective elements over the long term.
BaQuestionableAbility to meet obligations is questionable.
BPoorLong-term ability to meet obligations on time is small.
CaaVery PoorMay be in default of financial obligations already.
CaExtremely PoorIn default of financial obligations.
CExtremely PoorVery poorly positioned to offer financial security.

S&P Rating Explanations

Rating:Description:Definition:
AAAExtremely StrongVery unlikely to be affected by adverse economic conditions.
AAVery StrongUnlikely to be affected by adverse economic conditions.
AStrongMarginally more likely to be affected by adverse economic conditions.
BBBGoodMay be affected by adverse business conditions.
BBMarginalAdverse business conditions may lead to inability to meet obligations.
BWeakAdverse business conditions are likely to affect ability to meet obligations.
CCCVery WeakDepends on favourable business conditions to meet obligations.
CCExtremelyLikely to not meet all financial obligations.
RRegulatory ActionSubject to regulation due to insolvency.
NRNot RatedNo opinion.

Fitch Rating Explanations

Rating:Description:Definition:
AAAExceptionally StrongVery unlikely to be affected by adverse economic conditions.
AAVery StrongNot significantly vulnerable to adverse economic conditions.
AStrongLow expectation for interruption of payments.
BBBGoodMay be affected by adverse economic conditions.
BBModerately WeakContractual obligations are now vulnerable.
BWeakSignificant risk for interruption of payments.
CCCVery WeakStrong likelihood for interruption of payments.
CCExtremely WeakInterruption of payments is probable.
CDistressedInterruption of payments is imminent.

To get a free comparision of quotes from the best life insurance providers, speak with a licensed representative today. Get free quotes from the best insurance companies. Start Now.

  1. Complete our simple quote form in just minutes.
  2. Compare term life insurance quotes from top life insurance companies.
  3. Choose the term life insurance policy that best protects your family.

Compare Term Life Insurance Quotes from Top Life Insurance Companies