Following is a list of the best life insurance companies in the United States according to their ratings. Insurance company ratings are based on quantitative and qualitative analysis of financial records and represent an opinion of rating agency regarding the ability of an insurance company to meet financial obligations to policyholders.

New York Life

New York Life Insurance Company hold the highest financial strength ratings from three major agencies. It is the largest mutual life insurance company the United States with over $870 billion of individual life insurance in force. The company offers term and whole life insurance, universal life insurance, annuities, mutual funds and other services.

  A.M. Best's Credit Ratings Outlook
Financial Strength Rating (FSR) A++ (Superior) Stable
Long Term Issuer Credit Rating aaa (Exceptional) Stable
Moody's Investors Service Fitch Ratings Standard & Poor's
Aaa AAA AA+

* As of May 15, 2019

Address: 51 Madison Avenue, New York, NY 10010, United States
Phone number: 212-576-7000
www.newyorklife.com

Northwestern Mutual Life Insurance Company

Northwestern Mutual is the largest direct provider of individual life insurance in the United States. It has $1.8 trillion of life insurance in force and total surplus of about $21.0 billion. The company was founded 1859 and is headquartered in Milwaukee, Wisconsin. It generated revenue of $28 billion, net income of about $1 billion and total consolidated assets of over 270 billion. The company expects about $6 billion of policyholder’s dividends in 2019. It provides life and health insurance, annuities, disability and long-term care insurance, financial and retirement planning, asset management, business services and more. Northwestern Mutual maintains the highest financial strength insurance ratings from Moody’s, Fitch and A.M. Best. The company employs approximately 8,000 people.

  A.M. Best's Credit Ratings Outlook
Financial Strength Rating (FSR) A++ (Superior) Stable
Long Term Issuer Credit Rating aaa (Exceptional) Stable
Moody's Fitch Standard & Poor's
Aaa AAA AA+

* As of May 2019

Address: 720 East Wisconsin Avenue, Milwaukee, WI 53202-4797, United States
Phone number: 414-271-1444
www.northwesternmutual.com

TIAA Group

TIAA (Teachers Insurance and Annuity Association of America) and its subsidiary, TIAA-CREF Life Insurance Company (TIAA Life) are among the highest rated insurance companies in America. In October 2014, Moody's downgraded the insurance financial strength ratings of TIAA and TIAA-CREF Life to Aa1 from Aaa.

  A.M. Best's Credit Ratings Outlook
Financial Strength Rating (FSR) A++ (Superior) Stable
Long Term Issuer Credit Rating aaa (Exceptional) Stable
Moody's Fitch Standard & Poor's
Aa1 AAA AA+

* As of May 2019

Address: 730 Third Avenue, New York, NY 10017-3206, United States
Phone number: 800-223-1200
www.tiaa-cref.org

USAA Life Insurance Companies

USAA Life Insurance Company and its subsidiary, USAA Life Insurance Company of New York are among the top rated in the insurance industry. The company is one of the top 25 life insurers in the United States based on life insurance in force. USAA life insurance policies are only available to military members and their family members. The life insurance policies are different from most offerings since they do not contain a war-exclusion clause. USAA Life Insurance Company operates as a subsidiary of United Services Automobile Association.

  A.M. Best's Credit Ratings Outlook
Financial Strength Rating (FSR) A++ (Superior) Stable
Long Term Issuer Credit Rating aaa (Exceptional) Stable
Moody's Investors Service Fitch Ratings Standard & Poor's
Aa1 Not Rated AA+

* As of May 2019

Address: 9800 Fredericksburg Road, San Antonio, TX 78288, USA
Phone number: 210-498-8000
www.usaa.com

Guardian Life Insurance Company of America

The Guardian is one of the five largest mutual life insurance companies in the U.S. with total life insurance in-force of over $483 billion. It offers life insurance, group medical and dental insurance, disability income insurance, annuities, 401(k) products, investments and more. The Company has received excellent insurance ratings from the four leading ratings agencies.

  A.M. Best's Credit Ratings Outlook
Financial Strength Rating (FSR) A++ (Superior) Stable
Long Term Issuer Credit Rating aaa (Exceptional) Stable
Moody's Investors Service Fitch Ratings Standard & Poor's
Aa2 (Excellent) AA+ (Very Strong) AA+ (Very Strong)

* As of May 2019

Address: 7 Hanover Square, New York, NY 10004, United States
Phone: (212) 598 8000
www.glic.com

Top Rated Life Insurance Companies

Following are the top rated life insurance companies in the United States. Only two U.S. life insurers, New York Life and Northwestern Mutual, hold the highest insurance ratings from three major ratings agencies.

  Company A.M. Best Standard & Poor's Moody's Fitch
1 Alfa Life Insurance Corporation A - - -
2 Allianz Life Insurance Company of North America A AA A2 -
3 Allstate Life Insurance A+ A+ A1 A-
4 American General Life Insurance Company (AGL) A A+ A2 A+
5 American National (ANICO) A A - -
6 Amica Life Insurance Company A+ - - -
7 AXA Equitable Life Insurance Company A+ A+ Aa3 AA-
8 Banner Life Insurance Company A+ AA-    
9 Farmers New World Life Insurance Company A - - -
10 Fidelity Life A- - - -
11 First Penn-Pacific Life Insurance Company A A- A1 A+
12 General Re A++ AA+ Aa1  
13 Genworth Life A BBB- Baa1 BBB
14 Guardian Life Insurance Company of America A++ AA+ Aa2 AA+
15 Hannover Life Reassurance Company of America (HLR America) A+ AA- - -
16 Hartford Life and Accident Insurance (HLA) A A A3 A
17 Jackson National Life Insurance Company A+ AA A1 AA
18 John Hancock A+ AA- A1 AA-
19 Kansas City Life Insurance Company A - - -
20 Knights of Columbus A++ AA+ - -
21 Liberty National Life Insurance Company A+ AA- A1 A+
22 Lincoln Life & Annuity Company of New York A+ AA- A1 A+
23 Lincoln National Life Insurance Company A+ AA- A1 A+
24 Massachusetts Mutual Life Insurance A++ AA+ Aa2 AA+
25 MetLife A+ AA- Aa3 AA-
26 Midland National A+ A+ -  
27 Mutual of Omaha Companies A+ A+ A1 A+
28 National Life Group A A A2 -
29 Nationwide A+ A+ A1 -
30 National Western Life Insurance Company A A - -
31 New York Life Insurance Company A++ AA+ Aaa AAA
32 Northwestern Mutual A++ AA+ Aaa AAA
33 Ohio National Life A+ AA- A1 -
34 Pacific Life A+ A+ A1 A+
35 Penn Mutual Life A+ A+ Aa3  
36 Primerica Life Insurance Company (PLIC) A+   A2  
37 Principal Life Insurance A+ A+ A1 AA-
38 Protective Life A+ AA- A2 A+
39 PRUCO Life Insurance Company A+ AA- A1 A+
40 Prudential Insurance Company of America A+ AA- A1 A+
41 Reliastar Life Insurance Company A A A2 A
42 Riversource Life A+ AA- Aa3  
43 Savings Bank Life Insurance Co. of Massachusetts (SBLI) A+ A- - -
44 Security Life of Denver Insurance Company A A A2 A-
45 State Farm Life A++   Aa1 AA+
46 Symetra Life Insurance Company A A A3 A+
47 Standard Insurance Company A A+ A2  
48 Thrivent Financial for Lutherans A++ - - AA
49 TIAA A++ AA+ Aa1 AAA
50 Transamerica Life Insurance Company A+ AA- A1 AA-
51 Transamerica Premier Life A+ AA- A1 AA-
52 Trustmark Life Insurance A- - - -
53 United American Insurance Company A+ A+ - -
54 United States Life Insurance Company (US Life) A A+ A2 A+
55 Unum Companies A A A2 A
56 USAA Life Insurance A++ AA+ Aa1 -
57 Voya Insurance and Annuity Company A A A2 A
58 West Coast Life A+ AA- A2 A+
59 William Penn Life Insurance Company A+ AA- - -
60 Zurich American Life Insurance Company (ZALICO) A A A3 -

A.M. Best Ratings

A.M. Best Company, established in 1899, is the world's oldest and most authoritative insurance rating agency. The company is headquartered in Oldwick, NJ with additional offices in the UK, Hong Kong, Dubai, Mexico and Singapore. A.M. Best uses letter grades ranging from A++, the highest, to F, companies in liquidation.

A++ and A+ (Superior) - Assigned to companies that have a superior ability to meet their ongoing obligations to policyholders.
A and A- (Excellent) - Assigned to companies that have an excellent ability to meet their ongoing obligations to policyholders.
B++ and B+ (Very Good) - Assigned to companies that have a good ability to meet their ongoing obligations to policyholders.

Standard & Poor’s Ratings

Standard & Poor’s is one of the leading providers of independent credit risk research and benchmarks. The company has over 1,400 analysts in 25 countries worldwide. In 2013, S&P’s published more than 1.2 million credit ratings.

AAA = extremely strong
AA = very strong
A = strong
BBB = good

Moody's Ratings

Moody's is a leading provider of credit ratings, research, and risk analysis. The company employs over 9,900 people and has a presence in 33 countries. Moody's Corporation was founded in 1900 and is based in New York.

Aaa = exceptional
Aa = excellent
A = good
Baa = adequate

Fitch Ratings

Fitch is one of the Big Three international credit rating agencies with approximately 2,000 employees and 50 offices worldwide. The company was established on December 24, 1913 and is headquartered in New York City and London.

AAA = exceptionally strong
AA = very strong
A = strong
BBB = good

Weiss Ratings

Weiss Ratings are based on a complex analysis of many factors including capitalization, investment safety, profitability, liquidity, and stability.

A = excellent
B = good