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Top Rated Term Life Insurance Companies

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American General
Banner
First Colony
Genworth
ING
Jefferson-Pilot
Lincoln Benefit
Lincoln National
North American
Protective
RBC - Liberty Life
SBLI
Security Mutual
Transamerica
Union Central
U.S. Financial
West Coast
William Penn 
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Life Insurance, Insurance Ratings

 
Life Insurance is obtainable in many varieties and the issuing companies are observed by the following known rating institutions

 Check the financial strength and claims paying ability from A.M. Best, Standard & Poor's, Moody's, and Fitch rating companies.

Rank Number

A.M. Best

Standard & Poor's

Moody's

Fitch

 

Financial Strength

Financial Strength

Financial Strength

Claims Paying Ability

1

A++
Secure / Superior

AAA
Extremely Strong

Aaa
Exceptional

AAA
Secure / Highest

2

A+
Secure / Superior

AA+
Very Strong

Aa1
Excellent

AA+
Secure / Very High

3

A
Secure / Excellent

AA
Very Strong

Aa2
Excellent

AA
Secure / Very High

4

A-
Secure / Excellent

AA-
Very Strong

Aa3
Excellent

AA-
Secure / Very High

5

B++
Secure / Very Good

A+
Strong

A1
Good

A+
Secure / High

6

B+
Secure / Good

A
Strong

A2
Good

A
Secure / High

7

B
Vulnerable / Fair

A-
Strong

A3
Good

A-
Secure / High

8

B-
Vulnerable / Fair

BBB+
Good  

Baa1
Adequate

BBB+
Secure / Adequate

9

C++
Vulnerable / Marginal

BBB
Good  

Baa2
Adequate

BBB
Secure / Adequate

10

C+
Vulnerable / Marginal

BBB-
Good  

Baa3
Adequate

BBB-
Secure / Adequate

11

C
Vulnerable / Weak

BB+
Marginal

Ba1
Questionable

BB+
Uncertain

12

C-
Vulnerable / Weak

BB
Marginal

Ba2
Questionable

BB
Uncertain

13

D
Vulnerable / Poor

BB-
Marginal

Ba3
Questionable

BB-
Uncertain

14

E
Vulnerable / Under State Supervision

B+
Weak

B1
Poor

B+
Possessing Risk

15

F
Vulnerable / In Liquidation

B
Weak

B2
Poor

B
Possessing Risk

16

S
Rating Suspended

B-
Weak

B3
Poor

B-
Possessing Risk

17

 

CCC+
Very Weak

Caa
Very Poor

CCC
Substantial
Risk

18

 

CCC
Very Weak

Ca
Extremely Poor

DD
Liquidating

19

 

CCC-
Very Weak

C
Lowest

SR
Suspended Rating

20

 

CC
Extremely Weak

 

 

21

 

R
Regulatory Action

 

 

22

 

pi
Based on public information only