Annuity Company Ratings
There are over 2000 insurance providers in the United States. Of these, a couple hundred offer annuities and life insurance. The following is a list of the top 35 annuity companies and their security ratings. AM Best, Moody's, Standard & Poor's, and Fitch are the world's leading financial rating institutions.
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| Company: | A.M. Best: | Moody's: | S&P: | Fitch: |
|---|---|---|---|---|
| AIG | A | A1 | A+ | AA- |
| Allianz | A | - | AA | - |
| American General | A | A1 | A+ | A- |
| American National | A | - | AA- | AA- |
| Aviva | A | - | AA- | - |
| Axa Equitable | A+ | Aa3 | AA | AA- |
| EquiTrust | B+ | - | - | - |
| Fidelity Investments | A- | - | A+ | - |
| Genworth Financial | A | Baa3 | BBB | A- |
| Hartford | A | A3 | A | A- |
| ING | A | A2 | A+ | A |
| Integrity Life | A+ | Aa3 | AA+ | AA |
| Kansas City | A | - | - | - |
| Jackson National | A+ | - | AA | AA |
| Jefferson National | B- | - | - | - |
| John Hancock | A+ | Aa3 | AA+ | AA |
| Lincoln National | A+ | A2 | AA- | A+ |
| Mass Mutual | A++ | Aa2 | AA | AAA |
| MetLife | A+ | Aa3 | AA- | AA |
| Midland National | A+ | - | A+ | A |
| Monumental Life | A | A1 | AA- | AA |
| Mutual of Omaha | A+ | Aa3 | AA- | - |
| Nationwide Life | A+ | A1 | A+ | A |
| New York Life | A++ | - | AAA | AAA |
| North American | A+ | - | A+ | A |
| Ohio National | A+ | - | AA | - |
| Old Mutual | A- | Baa1 | - | BBB- |
| Pacific Life | A+ | A1 | AA- | AA- |
| Presidential | B+ | - | - | - |
| Protective | A+ | A2 | AA- | A |
| Prudential | A+ | A2 | AA- | A+ |
| Riversource | A+ | Aa3 | AA- | AA- |
| SunAmerica | A | A1 | A+ | A- |
| The Standard | A | A1 | AA- | - |
| Transamerica | A | A1 | AA- | AA |
*Company ratings as of 01/11/2010. Subject to change without notice.
**Dash (-) indicates company isn't rated or ratings out-of-date.
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A.M. Best Rating Definitions
| Rating: | Descriptor: | Definition: |
|---|---|---|
| A++, A+ | Superior | Able to meet insurance obligations. |
| A, A- | Excellent | Able to meet insurance obligations. |
| B++, B+ | Good | Able to meet insurance obligations. |
| B, B- | Fair | Vulnerable to unfavourable economic conditions. |
| C++, C+ | Marginal | Vulnerable to unfavourable economic conditions. |
| C, C- | Weak | Very vulnerable to unfavourable economic conditions. |
| D | Poor | Extremely vulnerable to unfavourable economic conditions. |
| E | Under Supervision | Company is under regulation, preventing normal business operations. |
| F | In Liquidation | Company is ongoing voluntary liquidation. |
| S | Suspended | Unevaluated due to inadequate information or lack of cooperation. |
Moody's Rating Definitions
| Rating: | Descriptor: | Definition: |
|---|---|---|
| AAA | Extremely Strong | Market conditions are unlikely to affect a fundamentally strong position. |
| AA | Very Strong | High-grade company with marginally larger long-term risks. |
| A | Strong | Financially secure, but signs of possible long-term susceptibility. |
| Baa | Adequate | Lacking in certain protective elements over the long term. |
| Ba | Questionable | Ability to meet obligations is questionable. |
| B | Poor | Long-term ability to meet obligations on time is small. |
| Caa | Very Poor | May be in default of financial obligations already. |
| Ca | Extremely Poor | In default of financial obligations. |
| C | Extremely Poor | Very poorly positioned to offer financial security. |
S&P Rating Definitions
| Rating: | Descriptor: | Definition: |
|---|---|---|
| AAA | Extremely Strong | Very unlikely to be affected by adverse economic conditions. |
| AA | Very Strong | Unlikely to be affected by adverse economic conditions. |
| A | Strong | Marginally more likely to be affected by adverse economic conditions. |
| BBB | Good | May be affected by adverse business conditions. |
| BB | Marginal | Adverse business conditions may lead to inability to meet obligations. |
| B | Weak | Adverse business conditions are likely to affect ability to meet obligations. |
| CCC | Very Weak | Depends on favourable business conditions to meet obligations. |
| CC | Extremely | Likely to not meet all financial obligations. |
| R | Regulatory Action | Subject to regulation due to insolvency. |
| NR | Not Rated | No opinion. |
Fitch Rating Definitions
| Rating: | Descriptor: | Definition: |
|---|---|---|
| AAA | Exceptionally Strong | Very unlikely to be affected by adverse economic conditions. |
| AA | Very Strong | Not significantly vulnerable to adverse economic conditions. |
| A | Strong | Low expectation for interruption of payments. |
| BBB | Good | May be affected by adverse economic conditions. |
| BB | Moderately Weak | Contractual obligations are now vulnerable. |
| B | Weak | Significant risk for interruption of payments. |
| CCC | Very Weak | Strong likelihood for interruption of payments. |
| CC | Extremely Weak | Interruption of payments is probable. |
| C | Distressed | Interruption of payments is imminent. |
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