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Annuities
| Indexed, Fixed, Immediate, LTC Linked-Benefit |
A.M. Best |
S&P |
Moodys |
Fitch |
| Allianz |
A |
AA |
A2 |
A+ |
| American Equity |
A- |
BBB+ |
NR |
NR |
| American General |
A |
A+ |
A2 |
A |
| American National |
A |
A+ |
NR |
NR |
| Athene |
B++ |
NR |
NR |
BBB+ |
| AVIVA |
A |
A+ |
A1 |
NR |
| Equitrust |
B+ |
A- |
NR |
NR |
| Fidelity& Guaranty Life (F&G) |
B++ |
NR |
BA1 |
BBB |
| Forethought Life |
A- |
A- |
N/A |
N/A |
| GBU |
B++ |
NR |
NR |
NR |
| GenWorth |
A |
A |
A2 |
A- |
| Gleaner Life Insurance Society |
A- |
NR |
NR |
NR |
| Great American |
A |
A+ |
A3 |
AA- |
| ING |
A |
A |
A2 |
A- |
| Integrity Life |
A+ |
AA+ |
Aa3 |
AA |
| Lafayette Life |
A+ |
AA+ |
NR |
AA |
| Life Ins. Southwest |
A |
A |
A2 |
A- |
| Lincoln Benefit |
A+ |
AA- |
A1 |
NR |
| Lincoln Fin. (LFG) |
A+ |
AA- |
A1 |
NR |
| Mass Mutual |
A++ |
AA+ |
Aa2 |
AA+ |
| Mutual/ United of Omaha |
A++ |
AA+ |
Aa3 |
NR |
| National Western |
A |
A |
NR |
NR |
| North American |
A+ |
A+ |
NR |
NR |
| Presidential Life |
B+ |
BB+ |
NR |
NR |
| Protective Life |
A+ |
AA- |
A2 |
A |
| Reliance Standard |
A |
A |
A3 |
A- |
| Sagicor |
A- |
NR |
NR |
NR |
| Security Benefit |
A- |
NR |
NR |
NR |
| State Life/One America |
A+ |
AA- |
NR |
NR |
| The Standard |
A |
A+ |
A1 |
NR |
| Transamerica |
A+ |
AA- |
AA- |
AA |
| Liberty Banker’s Lite |
B- |
NR |
NR |
NR |
Life Insurance
| Ul,Term, Business Insurance, Second-To-Die, Linked Benefit |
A.M.Best |
S&P |
Moodys |
Fitch |
| Allianz |
A |
AA |
A2 |
A+ |
| American General |
A |
A+ |
A2 |
A- |
| American National |
A |
A+ |
NR |
NR |
| AVIVA |
A |
A+ |
A1 |
NR |
| AXA Equitable |
A+ |
AA |
Aa3 |
AA- |
| Banner Life |
A+ |
A+ |
NR |
NR |
| Cincinnati Life |
A+ |
A |
A1 |
A+ |
| Equitrust |
B+ |
A- |
NR |
NR |
| Fidelity Life |
A- |
NR |
NR |
NR |
| GenWorth |
A |
A |
A2 |
A- |
| Gleaner |
A- |
NR |
NR |
NR |
| Hartford |
A |
A- |
A3 |
A- |
| ING Reliastar |
A |
AA- |
A1 |
AA- |
| John Hancock |
A+ |
AA+ |
Aa3 |
AA- |
| Lincoln Benefit |
A+ |
AA- |
A1 |
NR |
| Lincoln Fin. (LFG) |
A+ |
AA- |
A2 |
A+ |
| Mass Mutual |
A++ |
AA+ |
Aa2 |
AA+ |
| Metropolitan Life |
A+ |
AA- |
Aa3 |
AA |
| Minnesota Life |
A+ |
AA- |
Aa3 |
AA- |
| Mutual/United of Omaha |
A+ |
A+ |
Aa3 |
NR |
| North American |
A+ |
A+ |
NR |
AA- |
| Penn Mutual |
A+ |
AA- |
Aa3 |
NR |
| Principal |
A+ |
A+ |
Aa3 |
AA- |
| Protective Life |
A+ |
AA- |
A2 |
A |
| Prudential |
A+ |
AA- |
A2 |
A+ |
| State Life/ One America |
A+ |
AA- |
NR |
NR |
| Transamerica |
A+ |
AA- |
AA- |
AA |
| Savings Bank (SBLI) |
A+ |
A- |
NR |
NR |
Long-Term Care/Linked-Benefit
| Individual,Couples, Corporate |
A.M. Best |
S&P |
Moodys |
Fitch |
| Forethought Life |
A- |
A- |
N/A |
N/A |
| Genworth |
A |
A |
A2 |
A- |
| Guaranty Income Life (GILICO) |
B+ |
NR |
NR |
NR |
| John Hancock |
A+ |
AA+ |
Aa3 |
AA |
| Lincoln Fin. (LFG) |
A+ |
AA- |
A2 |
A+ |
| Med America |
B++ |
A- |
NR |
NR |
| Mutual/United of Omaha |
A+ |
A+ |
Aa3 |
AA- |
| One America |
A+ |
AA- |
NR |
NR |
Medicare Supplement & Disability
| White & Blue Collar Policies |
A.M. Best |
S&P |
Moodys |
Fitch |
| Assurity |
A |
N/A |
N/A |
N/A |
| Forethought Life |
A- |
A- |
N/A |
N/A |
| Gerber Life |
A |
N/A |
N/A |
N/A |
| Medico |
A |
N/A |
N/A |
N/A |
| Mutal/Untied of Omaha |
A+ |
A+ |
Aa3 |
AA- |
| Principal |
A+ |
A+ |
Aa3 |
AA- |
| The Standard |
A |
A+ |
A1 |
NR |
Final Expense
| Simplified Issue, Guaranteed |
A.M. Best |
S&P |
Moodys |
Fitch |
| American Memorial |
A- |
NR |
NR |
NR |
| Lafayette Life |
A+ |
AA+ |
NR |
AA |
| We Hold A Non- Resident License In 27 States |
| A+,A++ (Superior) A(Excellent) AA,AA+,AA- (Very Strong) BBB+, BB+, B+ (Good) |
