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Life Insurance Company Rating Categories

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When you choose a life insurance company, the first consideration should be the life insurance company rating – the financial strength of that company, even before competitiveness and pricing. Obviously, if the company is unable to pay the benefits promised in the life insurance policy, then every other consideration is unimportant. So, choose your company by price, benefits, and design but always do a life insurance comparison of the company’s financial strength before you buy.

You can do this by checking the financial strength rating online. Life insurance companies are ranked by independent services according to the financial strength of the company. This is done by a rating system. These life insurance company ratings are determined by independent analysts that are paid to review a company’s financial strength. In this section, we’ve provided a chart of the different financial ratings from the leading life insurance company rating services.

Your Intramark Insurance representative will be glad to review the financial ratings of any life insurance company with you.

The chart below shows the different rating categories from the leading rating services. These include A.M. Best and Company, Standard & Poor’s, Moody’s Investor Service, and Fitch. There is another rating service not shown on the chart, Street.com, which rates companies similar to school grades from A+ to A to A- to B+, B, B- etc.

When you get a term life quote or a return of premium life quote on LifeInsure.com’s quote engines, the A.M. Best rating shows up next to the insurance company quoted.

Life Insurance Company Rating Categories

 
Rank NumberA.M. BestStandard & Poor’sMoody’sFitch
 Financial StrengthFinancial StrengthFinancial StrengthFinancial Strength
1A++
Secure / Superior
AAA
Extremely Strong
Aaa
Exceptional
AAA
Secure / Highest
2A+
Secure / Superior
AA+
Very Strong
Aa1, Aa2, Aa3
Excellent
AA+
Secure / Very High
3A
Secure / Excellent
AA
Very Strong
A1, A2, A3
Good
AA
Secure / Very High
4A-
Secure / Excellent
AA-
Very Strong
Baa1, Baa2, Baa3
Adequate
AA-
Secure / Very High
5B++
Secure / Very Good
A+
Strong
Ba1, Ba2, Ba3
Questionable
A+
Secure / High
6B+
Secure / Good
A
Strong
B1, B2, B3
Poor
A
Secure / High
7B
Vulnerable / Fair
A-
Strong
Caa
Very Poor
A-
Secure / High
8B-
Vulnerable / Fair
BBB+
Good
Ca
Extremely Poor
BBB+
Secure / Adequate
9C++
Vulnerable / Marginal
BBB
Good
C
Lowest
BBB
Secure / Adequate
10C+
Vulnerable / Marginal
BBB-
Good
 BBB-
Secure / Adequate
11C
Vulnerable / Weak
BB+
Marginal
 BB+
Uncertain
12C-
Vulnerable / Weak
BB
Marginal
 BB
Uncertain
13D
Vulnerable / Poor
BB-
Marginal
 BB-
Uncertain
14E
Vulnerable / Under State Supervision
B+
Weak
 B+
Possessing Risk
15F
Vulnerable / In Liquidation
B
Weak
 B
Possessing Risk
16S
Rating Suspended
B-
Weak
 B-
Possessing Risk
17 CCC+
Very Weak
 CCC
Substantial
Risk
18 CCC
Very Weak
 DD
Liquidating
19 CCC-
Very Weak
 SR
Suspended Rating
20 CC
Extremely Weak
  
21 R
Regulatory Action
  
 Based on public information only. 

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  • Author
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Richard Reich
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Richard Reich
President at Intramark Insurance Services
In my 20+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.

I believe that when people shop for insurance (or anything else, for that matter) on the Internet, they are looking for a simple, non-intrusive, non-pressure method of doing so.

I strive to treat my prospective clients with the utmost respect and I believe an educated prospect can make the right decision without sales pressure.

Being independent, I represent many highly-rated insurance companies and, because I am not beholden to any one insurance company, my focus is to find the right company and policy for each individual client.
Richard Reich
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Latest posts by Richard Reich (see all)
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Here is the legal information we're required to provide you. LifeInsure.com, a Califronia corporation and subsidiary of Intramark Insurance, is a licensed independent insurance broker. The information provided on this site has been developed by LifeInsure.com for general informational and educational purposes. We try hard to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application.