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 was 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
17CCC+
Very Weak
CCC
Substantial
Risk
18CCC
Very Weak
DD
Liquidating
19CCC-
Very Weak
SR
Suspended Rating
20CC
Extremely Weak
21R
Regulatory Action
Based on public information only.

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