U.S. Life Insurance Ratings Information
|Standard & Poor's||A+ (Strong)1||Companies rated A have strong financial security characteristics, but are somewhat more likely to be affected by adverse business conditions than are insurers with higher ratings.|
|Moody's||A2 (Good)1||Companies rated A offer good financial security. However, elements may be present that suggest a susceptibility to impairment sometime in the future.|
|A.M. Best||A (Excellent)2||Companies rated A have an excellent ability to meet their ongoing financial obligations to policyholders.|
|Fitch||A+ (Strong)1||Companies rated A have low expectations of default risk. The capacity for payment of financial commitments is considered strong. This capacity may, nevertheless, be more vulnerable to adverse business or economic conditions than is the case for higher ratings.|
Ratings are affirmed as of 03/02/16 and subject to change. Because the dates are only updated when there’s a change in the ratings, the affirmed date reflects the most recent ratings we have received. Standard & Poor’s ratings are a measure of claims-paying ability and range from AAA (Extremely Strong) to R (Regulatory Action), while Moody’s ratings measure financial security and range from Aaa (Exceptional) to C (Extremely Poor). A.M. Best’s ratings measure claims-paying ability and range from A++ (Superior) to F (in Liquidation). Fitch ratings are a measure of insurer financial strength, ranging from AAA (Exceptionally Strong) to C (Distressed). Only the fixed account protection features, income payments, and guarantees are backed by the claims-paying ability of the issuing insurance company.