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 Number A.M. Best Standard & Poor’s Moody’s Fitch
Financial Strength Financial Strength Financial Strength Financial Strength
1 A++
Secure / Superior
AAA
Extremely Strong
Aaa
Exceptional
AAA
Secure / Highest
2 A+
Secure / Superior
AA+
Very Strong
Aa1, Aa2, Aa3
Excellent
AA+
Secure / Very High
3 A
Secure / Excellent
AA
Very Strong
A1, A2, A3
Good
AA
Secure / Very High
4 A-
Secure / Excellent
AA-
Very Strong
Baa1, Baa2, Baa3
Adequate
AA-
Secure / Very High
5 B++
Secure / Very Good
A+
Strong
Ba1, Ba2, Ba3
Questionable
A+
Secure / High
6 B+
Secure / Good
A
Strong
B1, B2, B3
Poor
A
Secure / High
7 B
Vulnerable / Fair
A-
Strong
Caa
Very Poor
A-
Secure / High
8 B-
Vulnerable / Fair
BBB+
Good
Ca
Extremely Poor
BBB+
Secure / Adequate
9 C++
Vulnerable / Marginal
BBB
Good
C
Lowest
BBB
Secure / Adequate
10 C+
Vulnerable / Marginal
BBB-
Good
BBB-
Secure / Adequate
11 C
Vulnerable / Weak
BB+
Marginal
BB+
Uncertain
12 C-
Vulnerable / Weak
BB
Marginal
BB
Uncertain
13 D
Vulnerable / Poor
BB-
Marginal
BB-
Uncertain
14 E
Vulnerable / Under State Supervision
B+
Weak
B+
Possessing Risk
15 F
Vulnerable / In Liquidation
B
Weak
B
Possessing Risk
16 S
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.

Questions? Contact us

Richard Reich

CEO - Licensed Agent

Richard Reich CEO and Licensed agent

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.  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. 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. Please feel free to contact me at your convenience.

speak with a Professional

For more information, call an insurance professional at LifeInsure.com (866) 868-0099 during normal business hours or contact us through our website.

Get In Touch

To get more information about purchasing life insurance with severe medical conditions, contact an insurance professional at LifeInsure.Com today at (866) 868-0099 during normal business hours, or you can contact us through our website 24/7.

Home Office

450 N. Brand Blvd. Suite 600,
Glendale, CA 91203

Speak to a Licensed Representative

866-868-0099

Email

info@lifeinsure.com

Richard Reich

CEO - Licensed Agent

Richard Reich CEO and Licensed agent

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.  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. 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. Please feel free to contact me at your convenience.

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