How do I evaluate a life insurance company's long-term financial stability?
Answered by 4 licensed agents
Answered by Philip Santucci on June 17, 2026
Broker Licensed in IL, FL, MI, MN & TX
The key agencies are: A.M. Best, Standard & Poor's (S&P), Moody's, and Fitch Ratings.
What to Look For: Look for companies with high ratings (typically "A" or higher). Specifically, look for "A+" or "A++" from A.M. Best, which specializes in the insurance sector.
Trend Matters: Don't just look at the current rating; check if the outlook is "Stable," "Positive," or "Negative." A stable rating on a company with a history of solid performance is often more reassuring than a recent upgrade following years of decline.
Answered by Shane Bullock on June 7, 2026
Agent Licensed in UT, AZ, FL & 9 other states
Answered by Alyson Collins on June 17, 2026
Agent Licensed in TX, AR, FL & KS, LA, NM & OK
1) Independent financial strength ratings,
Key agencies for life companies:
• A.M. Best (industry‑standard for insurers
• Moody’s Investors Service
• S&P Global Ratings
• Fitch Ratings
2) Balance‑sheet quality
3) Earnings consistency, and
4) How they manage risk over time.
To get 2-4 you can usually request this information from the company or us Google or an AI resource to obtain this information.
Hope this helps.
Answered by Randy Sanchez on June 17, 2026
Broker Licensed in FL
Tags: How Life Insurance Works
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