Top Rated Life Insurance Company

What is the Top Rated Life Insurance Company?

If you are looking for affordable life insurance from a safe, secure life insurance carrier you may be asking yourself which is the top-rated life insurance company?

First, let’s look at how life insurance companies are rated. There are several independent rating agencies including:

  • AM Best Company
  • Standard & Poor’s
  • Moody’s

These rating agencies analyze the financial strength of insurance companies and issue a financial rating based on their review of the insurer’s financial statements.

Basically, the higher the rating the better able the insurance company is to meet their financial obligations, and pay their claims.

The highest rating available is A++ (Superior) from AM Best Company.

Each year, the Insurance Information Institute ( issues a list of the largest writers of individual life insurance policies. Here’s a the list of top life insurance companies and their financial ratings:

The Top 10 Life Insurance Companies by
Direct Premiums Written for 2013

  1. Northwestern Mutual – rated A++, Superior
  2. MetLife – rated A+, Superior
  3. New York Life Insurance Group - rated A++, Superior
  4. Aflac – rated A+, Superior
  5. Lincoln National Corp. - rated A+, Superior
  6. Manulife Financial Corp. - rated A+, Superior
  7. Prudential Financial Inc. - rated A+, Superior
  8. Massachusetts Mutual Life Insurance - rated A++, Superior
  9. State Farm Mutual Automobile Insurance - rated A++, Superior
  10. AEGON NV - rated A+, Superior

(Source – - Insurance Information Institute)

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