Frequently Asked Questions

Life Insurance Company Ratings

DESCRIPTION BY BUREAU
Rank A.M. Best Standard & Poor's Duff & Phelps Moody's Weiss Ratings
Area Financial Strength Claims Paying Ability Claims Paying Ability Repayment Punctuality Safety
1 A++ Superior AAA Extremely Strong AAA Highest Aaa Exceptional A+ Excellent
2 A+ Superior AA+ Very Strong AA+ Very High Aa1 Excellent A Excellent
3 A Excellent AA Very Strong AA Very High Aa2 Excellent A- Excellent
4 A- Excellent AA- Very Strong AA- Very High Aa3 Excellent B+ Good
5 B++ Very Good A+ Strong A+ High A1 Good B Good
6 B+ Good A Strong A High A2 Good B- Good
7 B Fair A- Strong A- High A3 Good C+ Fair
8 B- Fair BBB+ Good BBB+ Adequate Baa1 Adequate C Fair
9 C++ Marginal BBB Good BBB Adequate Baa2 Adequate C- Fair
10 C+ Marginal BBB- Good BBB- Adequate Baa3 Adequate D+ Weak
11 C Weak BB+ Marginal BB+ Uncertain Ba1 Questionable D Weak
12 C- Weak BB Marginal BB Uncertain Ba2 Questionable D- Weak
13 D Poor BB- Marginal BB- Uncertain Ba3 Questionable E+ Very Weak
14 E Under State Supervision B+ Weak B+ Possessing Risk B1 Poor E Very Weak
15 F In Liquidation B Weak B Possessing Risk B2 Poor E- Very Weak
16 S Rating Suspended B- Weak B- Possessing Risk B3 Poor F Failed
17 - CCC+ Very Weak CCC Substantial Risk Caa Very Poor -
18 - CCC Very Weak DD Liquidating Ca Extremely Poor -
19 - CCC- Very Weak - C Lowest -
20 - CC Extremely Weak - - -
21 - R Regulatory action - - -
NOTE: A BUREAU'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.




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