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1-800-LIFE-INSurance Guide to Life Insurance Company Ratings

Desription and Ranking Grid by Rating Agency


Rank A. M. Best Standard & Poor's Fitch Moody's
1 A++ Superior AAA Extremely Strong AAA Secure/Higest Aaa Exceptional
2 A+ Superior AA+ Very Strong AA+ Secure/Very High Aa1 Excellent
3 A Excellent AA Very Strong AA Secure/Very High Aa2 Excellent
4 A- Excellent AA- Very Strong AA- Secure/Very High Aa3 Excellent
5 B++ Very Good A+ Strong A+ Secure/High A1 Good
6 B+ Good A Strong A Secure/High A2 Good
7 B Fair A- Strong A- Secure/High A3 Good
8 B- Fair BBB+ Good BBB+ Secure/Adequate Baa1 Adequate
9 C++ Marginal BBB Good BBB Secure/Adequate Baa2 Adequate
10 C+ Marginal BBB- Good BBB- Secure/Adequate Baa3 Adequate
11 C Weak BB+ Marginal BB+ Uncertain Ba1 Questionable
12 C- Weak BB Marginal BB Uncertain Ba2 Questionable
13 D Poor BB- Marginal BB- Uncertain Ba3 Questionable
14 E Under State Supervision B+ Weak B+ Possessing Risk B1 Poor
15 F In Liquidation B Weak B Possessing Risk B2 Poor
16 S Rating Suspended B- Weak B- Possessing Risk B3 Poor
17   CCC+ Very Weak CCC Substantial Risk Caa Very Poor
18   CCC Very Weak DD Liquidating Ca Extremely Poor
19   CCC- Very Weak SR Suspended Rating C Lowest
21   CC Extremely Weak    
22   R Regulatory action    

Note: An Agency's rating is not a warranty of an insurer's current or future ability to meet its obligations to policyholders. It is also not a recommendation of a particular company or policy.

1-800-LIFE-INSurance carefully monitors the financial strength of each company we quote and represent. Each company we quote is required to have a rating of A (excellent), A+, or A++ (superior) by A. M. Best, the nation's leading independent evaluator of insurance companies since 1899.

Click here for more information on A.M. Best Ratings.

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