(800) 459-0848
Insurance Companies & Ratings
Insurance Companies
Here is a sample list of some of the top annuity companies operating in the United States. By listing these companies, we expressly make no express or implied warranty about their financial strength or quality of their products, customer service, or rates. We proudly offer annuity products from insurance companies to our clients rated from A+ to B+.
Allianz Life
American Equity
American General
American National
Annuity Investors Life
Aviva Life
Employees Life Company Mutual
Equitrust Life
Fidelity & Guaranty Life
Guaranty Income Life
Great American
Guggenheim Life
ING USA Life
John Hancock
Liberty Life
Life of the Southwest
LincolnFinancial Group
Midland National
North American Company for Life & Health
National Western Life
Phoenix Life
Presidential Life
Sagicor Life
Security Benefit Life
Sentinel Security Life
Ratings
There are four main insurance company rating agencies: A.M. Best, Moody’s, S&P, and Fitch. Each has its own proprietary rating system to measure the underlying financial strength of an insurance company. The most commonly quoted rating for annuity-based insurance companies is A.M. Best. A summary of their ratings are as follows:
| 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) |
We are serious about keeping our client’s money safe and secure. For the protection of our client’s money (and in keeping with industry standards), we only recommend annuities from companies with a B+ or higher A.M. Best rating. To help you better compare amongst the varied ratings and rating companies, here is a nice conversion and comparison table of the ratings and rankings:
| Rank | A.M. Best | Standard & Poor's | Moody's | Fitch |
| 1 | A++ = Superior | AAA = Extremely Strong | Aaa = Exceptional | AAA = Exceptionally Strong |
| 2 | A+ = Superior | AA+ = Very Strong | Aa1 = Excellent | AA+ = Very Strong |
| 3 | A = Excellent | AA = Very Strong | Aa2 = Excellent | AA = Very Strong |
| 4 | A- = Excellent | AA- = Very Strong | Aa3 = Excellent | AA- = Very Strong |
| 5 | B++ = Good | A+ = Strong | A1 = Good | A+ = Strong |
| 6 | B+ = Good | A = Strong | A2 = Good | A = Strong |
| 7 | B = Fair | A- = Strong | A3 = Good | A- = Strong |
| 8 | B- = Fair | BBB+ = Good | Baa1 = Adequate | BBB+ = Good |
| 9 | C++ = Marginal | BBB = Good | Baa2 = Adequate | BBB = Good |
| 10 | C+ = Marginal | BBB- = Good | Baa3 = Adequate | BBB- = Good |
| 11 | C = Weak | BB+ = Marginal | Ba1 = Questionable | BB+ = Moderately Weak |
| 12 | C- = Weak | BB = Marginal | Ba2 = Questionable | BB = Moderately Weak |
| 13 | D = Poor | BB- = Marginal | Ba3 = Questionable | BB- = Moderately Weak |
| 14 | E = Supervision | B+ = Weak | B1 = Poor | B+ = Weak |
| 15 | F = In Liquidation | B = Weak | B2 = Poor | B = Weak |
| 16 | S = Suspended | B- = Weak | B3 = Poor | B- = Weak |
| 17 | CCC+ = Very Weak | Caa1 = Very Poor | CCC+ = Very Weak | |
| 18 | CCC = Very Weak | Caa2 = Very Poor | CCC = Very Weak | |
| 19 | CCC- = Very Weak | Caa3 = Very Poor | CCC- = Very Weak | |
| 20 | CC = Extremely Weak | Ca = Extremely Poor | CC = Distressed | |
| 21 | R = Supervision | C = Lowest | C = Distressed |
