Annuity Companies — Carrier Ratings & Product Lineups
Browse 93 annuity carriers with AM Best, S&P, Moody's, and Fitch ratings. Compare product lineups and financial strength.
93
Carriers
4
Rating Agencies
How to evaluate annuity companies
The right carrier is not just the one with the highest rate. Financial strength, contract transparency, service history, and product fit all matter when comparing annuity companies.
Financial strength
Review AM Best, S&P, Moody's, and Fitch ratings when available, and remember that some insurers are subsidiaries backed by larger holding companies.
Fees and surrender terms
Administrative charges, rider costs, mortality and expense fees, and surrender schedules can change the value of a contract even when the headline benefit looks attractive.
Service and oversight
Customer complaint patterns, claims responsiveness, and regulatory actions are useful warning signs when deciding whether a carrier deserves more diligence.
Product fit
Flexible withdrawal provisions, rider availability, and clear disclosures matter because annuity contracts are long-term commitments.
93 providers
Allianz
4 ratings
Allianz SE has strong financial strength ratings from major rating agencies, reflecting its robust f...
American Equity Investment Life Insurance Company
3 ratings
American Equity Investment Life Holding Company's primary life insurance subsidiaries have been affi...
American Life
1 rating
American Life & Security Corp. holds a B++ rating from A.M. Best, reflecting solid financial strengt...
American National Life Insurance Company
3 ratings
American National typically receives credit ratings in the 'A' range from major rating agencies, und...
Americo
3 ratings
Americo Financial Life and Annuity Insurance Company holds an “A” (Excellent) financial strength rat...
AmFirst
1 rating
AmFirst Financial Corporation, headquartered in Lincoln, Nebraska, focuses on fixed and multi-year g...
Aspida
2 ratings
The live rating data shows A.M. Best A- for Aspida. Public Aspida materials also show A- financial-s...
Athene Annuity and Life Company
4 ratings
Athene Annuity and Life Company has maintained decent ratings for many years. It is considered to be...
Atlantic Coast Life
1 rating
The current CANNEX rating feed returns A.M. Best B for Atlantic Coast Life, and AM Best's company pr...
AuguStar Financial
0 ratings
The current CANNEX rating feed returns A.M. Best A for AuguStar. In plain English, that is a strong ...
Axonic Insurance Services (AIS)
1 rating
The live rating data shows A.M. Best A- on Axonic/AmFirst product rows. Axonic states that its annui...
Baltimore Life Insurance Company
1 rating
The Baltimore Life Insurance Company holds a financial strength rating of B++ (Good) from A.M. Best,...
Brighthouse Financial
3 ratings
The live rating data shows A.M. Best A for Brighthouse Financial. Brighthouse's own ratings material...
Canvas Annuity
1 rating
Canvas Annuity annuities are available in current rate data. Compare current annuity rates, product ...
Capitol Life Insurance Company
1 rating
As of July 30, 2024, Liberty Bankers Life Insurance Company maintains an A- (Excellent) rating from ...
CL Life
2 ratings
CL Life is rated B++ (Good) by AM Best, reflecting solid financial stability with some sensitivity t...
Clear Spring Life
1 rating
Clear Spring Life and Insurance Company holds an A- rating from AM Best, indicating strong financial...
Columbus Life Insurance Company
1 rating
Columbus Life Insurance Company exhibits a robust and resilient financial profile, as evidenced by c...
Corebridge Financial
4 ratings
American International Group (AIG) holds commendable financial strength ratings from leading rating ...
Delaware Life
3 ratings
The live rating data shows A.M. Best A- for Delaware Life. Delaware Life public materials and recent...
Eagle Life Insurance Company
3 ratings
Eagle Life Insurance Company holds solid financial strength ratings across major rating agencies, re...
ELCO Mutual Life & Annuity
2 ratings
ELCO Mutual Life and Annuity holds solid financial strength ratings, including a B++ (Good) from A.M...
Equitable Financial Life Insurance of America
3 ratings
These ratings indicate that Equitable America has a solid ability to meet its ongoing insurance obli...
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F&G Annuities and Life
3 ratings
F&G Annuities & Life is rated favorably by major credit rating agencies, reflecting its strong finan...
Farmers Life
0 ratings
Financial strength and ratings provider.
Farmers Life Insurance Company
1 rating
A.M. Best’s B++ (Good) rating reflects Farmers Life Insurance Company’s solid financial foundation a...
First Symetra National Life Insurance Company Of New York
1 rating
These ratings reflect First Symetra NY’s strong financial capacity, business stability, and backing ...
Gainbridge
1 rating
Gainbridge Life Insurance Company holds an A- (Excellent) financial strength rating from AM Best, wi...
GBU Life
1 rating
As of July 11, 2024, AM Best reaffirmed GBU Life’s A- (Excellent) rating. This rating has been maint...
GCU
1 rating
As of October 2023, GCU holds an A- (Excellent) rating from AM Best, though the outlook was revised ...
GILICO
0 ratings
Government Investors Life Insurance Company (GILICO), headquartered in Austin, Texas, offers fixed a...
Global Atlantic Financial Group
3 ratings
Global Atlantic Financial Group holds a strong 'A' financial strength rating, reflecting robust capi...
Guaranty Income Life
1 rating
GILICO has earned an A‑ (Excellent) Financial Strength Rating from AM Best, which places it 4th out ...
Guardian Life Insurance Company
2 ratings
The insurer holds an A++ Superior rating from A.M. Best—their highest rating—affirmed on July 24, 20...
Gulf Guaranty Life Insurance Company
The current CANNEX rating feed returns A.M. Best B++ for Gulf Guaranty Life Insurance Company. AM Be...
Heartland National Life Insurance Company
1 rating
As of the most recent evaluations, Heartland National Life Insurance Company holds a B++ (Good) Fina...
Ibexis
1 rating
Ibexis has received an A- “Excellent” rating from A.M. Best, reflecting the company’s Strong balance...
Integrity Life Insurance Company
1 rating
Integrity Life Insurance Company maintains exceptionally strong financial strength ratings from the ...
Investor Heritage
1 rating
Investors Heritage holds a B++ (Good) rating from AM Best, indicating a strong balance sheet and a g...
Investors Heritage
1 rating
Investors Heritage annuities are available in current rate data. Compare current annuity rates, prod...
Jackson National Life
3 ratings
Jackson National exhibits strong financial health, supported by substantial capitalization and a con...
Knighthead Life
1 rating
s of November 7, 2024, Merit Life Insurance Co. holds an A- (Excellent) financial strength rating fr...
Lafayette Life
3 ratings
The current CANNEX rating lookup did not return a live AM Best row for Lafayette Life in this batch....
Liberty Bankers
1 rating
A B++ (Good) rating from AM Best signifies that Liberty Bankers Life has a solid financial foundatio...
Lincoln Financial
4 ratings
Lincoln Financial Group typically holds strong credit ratings in the 'A' range from major credit rat...
Manhattan Life Insurance Company
1 rating
A B++ (Good) rating from A.M. Best indicates a solid capacity to meet policyholder and contract obli...
MassMutual
3 ratings
MassMutual is consistently rated at the higher end of the credit rating spectrum by major agencies, ...
MassMutual Ascend Life Insurance Company
1 rating
MassMutual Ascend is a highly rated annuities division of MassMutual, operating independently while ...
Midland National
3 ratings
Midland National Life Insurance Company, a member of the Sammons Financial Group, holds an A+ (Super...
Mountain Life Insurance Company
1 rating
Mountain Life Insurance Company holds a B+ (Good) Financial Strength Rating and a “bbb-” Long-Term I...
Mutual of Omaha
0 ratings
Financial strength and ratings provider.
Nassau Life
2 ratings
The live rating data shows A.M. Best B++ for Nassau Life. Nassau public materials also reference AM ...
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Nassau Life Insurance Company (NY)
1 rating
Nassau Life Insurance Company (NY) is the New York-licensed subsidiary of Nassau Financial Group. Na...
National Life Group
2 ratings
National Life Group holds strong financial strength ratings from leading agencies, reflecting its st...
National Security Insurance Company
1 rating
A.M. Best’s Financial Strength Rating of “B” (Fair) indicates that National Security Insurance Compa...
National Western Life Insurance Company
Financial strength and ratings provider.
Nationwide Life Insurance Company
1 rating
Nationwide Insurance is recognized for its excellent financial stability, substantial capital reserv...
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New York Life Insurance and Annuity Corporation (NYLIAC)
1 rating
NYLIAC and its parent company consistently hold some of the highest ratings in the industry, reflect...
NexAnnuity
1 rating
NexAnnuity’s B+ financial strength rating and bbb– issuer credit rating, both affirmed by AM Best wi...
North American Company
2 ratings
Independent financial strength ratings provide insight into an insurer’s ability to meet its ongoing...
Oceanview Life
1 rating
An “A- (Excellent)” rating by A.M. Best is the fourth highest of 16 possible ratings. It indicates t...
OneAmerica
0 ratings
Financial strength and ratings provider.
Oxford Life Insurance Company
3 ratings
Oxford Life holds a solid A- (Excellent) rating from A.M. Best, reflecting its strong capital positi...
Pacific Guardian Life Insurance Company
1 rating
Pacific Guardian Life holds strong financial ratings reflecting its conservative investment strategy...
Pacific Life
3 ratings
The current CANNEX rating feed returns A.M. Best A for Pacific Life. Pacific Life's own ratings mate...
Polish Falcons of America
1 rating
Polish Falcons of America holds a Safety Rating of “E” from Weiss Ratings (effective September 2025,...
Prosperity Life
1 rating
Prosperity Life Insurance Group, formerly known as S.USA Life Insurance Company, is headquartered in...
Protective Life Insurance Company
1 rating
The live rating data shows A.M. Best A+ for Protective Life. Protective's public ratings page lists ...
Prudential Financial
3 ratings
The current CANNEX rating feed returns A.M. Best A+ for Prudential. Prudential's investor ratings pa...
Reliance Standard
1 rating
Reliance Standard’s top-tier rating from A.M. Best is attributed to its very strong balance sheet, u...
Revol One Financial
1 rating
As of March 27, 2025, AM Best’s B++ rating signifies that Revol One has a good ability to meet ongoi...
Royal Neighbors of America
1 rating
Royal Neighbors of America boasts strong financial ratings that reflect its commitment to stability ...
S.USA Life Insurance Company, Inc.
1 rating
S.USA Life Insurance Company, Inc. holds strong ratings from A.M. Best, with both its Financial Stre...
Sagicor Life Insurance Company
1 rating
Sagicor Financial Company Ltd.’s credit ratings from major agencies—including S&P, Fitch, A.M. Best,...
SBLI USA Life Insurance Company, Inc.
1 rating
As of August 2025, SBLI USA Life Insurance Company, Inc., a Prosperity Life Group member, holds an a...
Securian Financial
1 rating
Securian Financial consistently earns high ratings from all four major independent rating agencies—M...
Security Benefit Life
3 ratings
Security Benefit Life Insurance Company holds strong financial strength ratings from the industry’s ...
Sentinel Security Life
1 rating
Sentinel Security Life specializes in whole life insurance and offers a range of financial products....
Silac Insurance Company
1 rating
The ratings for SILAC Insurance have been placed under review with negative implications due to conc...
Standard
0 ratings
The live rating data shows A.M. Best A for The Standard. The Standard's public financial-strength pa...
Stellar National Life
1 rating
A B+ (Good) rating from A.M. Best signifies that Stellar National Life demonstrates a good ability t...
Symetra Life Insurance Company
3 ratings
Symetra Life Insurance Company maintains strong financial strength ratings from the major independen...
Talcott Financial Group
The current CANNEX rating feed returns A.M. Best A- for Talcott. Talcott's own financial-information...
Transamerica
3 ratings
Transamerica Life Insurance Company boasts solid financial ratings, demonstrating its ability to ful...
TruStage
3 ratings
TruStage Financial Group, formerly CUNA Mutual Group, is a trusted provider of financial and insuran...
United Heritage
2 ratings
United Heritage Financial Group (UHFG) and its subsidiaries have demonstrated a strong financial pos...
United Life Insurance Company
1 rating
An “A- (Excellent)” rating from A.M. Best signifies that United Life Insurance Company has demonstra...
Upstream Life
1 rating
Upstream Life Insurance Company’s financial ratings reflect significant concerns about its long-term...
USAA Life Insurance Company
1 rating
USAA Life’s A++ (Superior) rating from A.M. Best reflects its exceptional financial strength, conser...
Western Catholic Union
2 ratings
As of mid-2025, Western Catholic Union does not hold an AM Best rating. Weiss Ratings gives WCU a C ...
Western United
0 ratings
Financial strength and ratings provider.
Western-Southern Life Assurance Company
The current CANNEX rating feed returns A.M. Best A+ for Western-Southern Life Assurance Company. Wes...
Wichita National Life Insurance Company
1 rating
This rating from March 2024 suggests that Wichita National maintains adequate financial strength to ...