This table reflects the financial strength of life/health insurance companies writing policies in Maryland, as assessed by Standard & Poor's.
The table contains two types of analysis. The broadest category is for companies receiving "qualified" ratings, derived from a newly developed, broad computer analysis using 1989 data filed publicly with regulators. Standard & Poor's analysts explain the rating system using a stoplight analogy. BBBq, the highest rating, is similar to a green light, BBq a yellow light, and Bq a red light. Because the analysis is broad, however, they caution individuals to use it only as a "first cut" in assessing a company and not as a definitive analysis.
Some of the larger companies are rated using Standard and Poor's more traditional methodology, which draws on public and private data and interviews with company executives. Under this system, companies are ranked from AAA to D, with AAA through BBB considered "secure" and BB through D "vulnerable." A ** symbol means that company was not ranked.
Name... ... ... ... ... ... ... ... ... ... ... rating
Acacia National Life ..............................BBq
Adjustable Life ....................................**
Admiral Life of America ..........................BBBq
Aetna Life Insurance & Annuity Co. ................AAA
Aetna Life ........................................AA+
Aetna Life of America ..............................Bq
Aetna Life of Illinois ...........................BBBq
Agc Life .........................................BBBq
AIG Life ..........................................BBq
Alexander Hamilton Life ............................AA
All American ASR Co. .............................BBBq
All American Life ................................BBBq
Allstate Life .....................................AAA
American Agency Life ...............................**
American Bankers Life of Fla. .....................BBq
American Centurion Life & Accident ...............BBBq
American Chambers Life .............................Bq
American Combined Life ...........................BBBq
American Continental Life .........................BBq
American Defender Life .............................Bq
American Enterprise Life ...........................Bq
American Family of Columbus, Ga. .................BBBq
American Fidelity Assurance Co. ...................BBq
American Fidelity Life ............................BBq
American Financial Security Life ...................**
American Founders Life ............................BBq
American Franklin Life ...........................BBBq
American General Life & ACC ......................BBBq
American General Life of Del. .....................BBq
American General Life of N.Y. .....................BBq
American Health & Life ...........................BBBq
American Heritage Life ............................BBq
American Income Life ..............................BBq
American Independent Life ..........................**
American Investors Life ............................**
American Life & ACC Co. of Ky. ...................BBBq
American Life of N.Y. .............................BBq
American Merchants Life ............................Bq
American National ................................BBBq
American National Life of Texas ..................BBBq
American Pioneer Life ..............................Bq
American Progressive Life & Health .................Bq
American Republic .................................BBq
American Security Life ASR Co. of N.C. .............Bq
American Service Life .............................BBq
American Skandia Life Assurance Corp. ..............**
American States Life .............................BBBq
American Transcontinental Life .....................**
American Travellers Life ...........................Bq
American United Life ..............................BBq
American-Amicable Life of Texas ....................Bq
Amerisure Life ....................................BBq
Ameritas Life Insurance Corp. .....................BBq
Ameritas Variable Life .............................Bq
Amex Life Assurance Co. ..........................BBBq
Amica Life ........................................BBq
Amoco Life .........................................Bq
Anchor National Life ..............................BBq
Annapolis Life .....................................Bq
Anthem Life .......................................BBq
Appalachian National Life ..........................Bq
Arcadia National Life .............................BBq
Associates Financial Life ..........................**
Association Life Inc. .............................BBq
Assured Security Life ..............................Bq
Atlantic American Life .............................Bq
Atlantic Phoenix (based, not lic. Md.) ...........BBBq
Auto Club Life .....................................Bq
Balboa Life ......................................BBBq
Baltimore Life (based, lic. in Md.) ................Bq
Bankers Life & Casualty Co. ......................BBBq
Bankers National Life ............................BBBq
Bankers Security Life ..............................A+
Bankers United Life ...............................AA+
BCS Life ..........................................BBq
Beneficial Assurance Co. ...........................**
Beneficial Life ...................................BBq
Beneficial Standard Life ..........................BBq
Benefit Trust Life ................................BBq
Berkshire Life ....................................BBq
Best Life Assurance Co. of California ..............Bq
Boston Mutual Life ................................BBq
Business Mens Assurance of America ................BBq
Canada Life of America ............................AAA
Capitol American Life .............................BBq
Capitol Bankers Life ...............................Bq
Carillon Life ......................................**
Celtic Life .......................................BBq
Centennial Life ....................................Bq
Central Life Assurance Co. ..........................A
Central National Life ............................BBBq
Central Security Life .............................BBq
Central States Health & Life of Omaha .............BBq
Central United Life ...............................BBq
Century Life of America ...........................BBq
Certified Life ....................................BBq
Charter National Life .............................BBq
Christian Mutual Life ..............................Bq
Chrysler Life .....................................BBq
Chubb Life America ................................AA+
Cigna Life ........................................BBq
Citadel Life .....................................BBBq
Citizens Security Life .............................Bq
CM Life ...........................................BBq
Coastal States Life ................................**
College Life of America ...........................BBq
Cologne Life ......................................BBq
Colonial American Life .............................**
Colonial Life & Accident .........................BBBq
Colonial Life of America ..........................AA+
Colonial Penn Annuity and Life .....................Bq
Colonial Penn Life ................................BBq
Colorado Bankers Life .............................BBq
Columbia General Life ..............................Bq
Columbia Life ......................................Bq
Columbian Mutual Life ..............................Bq
Combined of America ..............................BBBq
Commercial Life ...................................BBq
Commercial Travelers Mutual ........................Bq
Commercial Union Life America .....................BBq
Companion Life ....................................BBq
Confederation Life Insurance ......................AAA
Connecticut General Life ..........................AAA
Connecticut Mutual Life ...........................AA-
Connecticut National Life ..........................Bq
Constitution Life ..................................A+
Consumer Benefit Life .............................BBq
Consumers Life .....................................Bq
Continental American Life .........................BBq
Continental Assurance Co. .........................AA+
Continental General ...............................BBq
Continental Life & Accident Co. ..................BBBq
Continental Life ..................................BBq
Corporate Life .....................................Bq
Credit Life ........................................Bq
Crown America Life .................................AA
Cumis Life .......................................BBBq
Cuna Mutual Insurance Society .....................BBq
Delaware American Life .............................Bq
Delta Life & Annuity Co. ..........................BBq
Delta Service Plans ................................Bq
Dependable Life ....................................**
Dreyfus Consumer Life ..............................**
Dreyfus Life .......................................**
Durham Life .......................................BBq
Educators Mutual Life .............................BBq
Employers Health .................................BBBq
Employers Life of Wausau, Wis. ....................BBq
Employers Modern Life Co. ..........................Bq
Employers Reassurance Corp. ......................BBBq
Epic Life .........................................BBq
Equitable Life ASR Society of the U.S. ..............A
Equitable Life ...................................BBBq
Equitable Life of Iowa ............................AA-
Equitable of Colorado Inc. ........................BBq
Equitable Variable Life .............................A
Erie Family Life .................................BBBq
Estate Assurance Co. ..............................BBq
Executive Fund Life ................................Bq
Executive Life ......................................B
Executive Life of N.Y. ............................BBq
Family Guardian Life .............................BBBq
Family Life .......................................BBq
Family Service Life ...............................BBq
Farmers & Traders Life ............................BBq
Federal Home Life .................................BBq
Federal Kemper Life Assurance Co. .................BBq
Federal Life (Mutual) .............................BBq
Fidelity & Guaranty (bas., lic. in Md.) ..........BBB+
Fidelity Bankers Life ............................BBB+
Fidelity General Life ..............................**
Fidelity Investments Life .........................BBq
Fidelity Life Association ........................BBBq
Fidelity Mutual Life ..............................BBq
Fidelity Stanard Life ..............................**
Fidelity Union Life ..............................BBBq
Financial Assurance Inc. ...........................**
Financial Benefit Life .............................Bq
Financial Horizons Life ............................**
First Capital Life ...............................BBB+
First Colony Life .................................AA+
First Continental Life & Accident .................BBq
First Delaware Life ...............................BBq
First Equicor Life ...............................BBBq
First International Life ..........................BBq
First National Life ................................Bq
First Penn-Pacific Life ...........................BBq
First Stratford Life ..............................BBq
First Variable Life ...............................BBq
First Virgina Life .................................Bq
Ford Life .........................................BBq
Forethought Life ..................................BBq
Fort Dearborn Life ................................BBq
Franklin Life ....................................BBBq
Frankona America Life .............................BBq
Freedom Life of America ............................Bq
Garden State Life ..................................Bq
Geico Annuity & ....................................**
General American Life ..............................AA
General Fidelity Life ............................BBBq
General Life of Wisconsin .........................BBq
General Services Life .............................AA+
Germantown Life ...................................BBq
Globe Life and Accident ...........................AAA
Globe Life ........................................BBq
Golden American Life ...............................Bq
Golden Rule .......................................BBq
Golden State Mutual Life ...........................Bq
Government Personnel Mutual .......................BBq
Great American Life ...............................BBq
Great American Reserve ............................BBq
Great Southern Life .................................A
Great-West Life & Annuity .........................AAA
Groupamerica .......................................Bq
Guarantee Reserve Life ............................BBq
Guarantee Security Life ...........................BBq
Guarantee Trust Life ..............................BBq
Guardian Insurance & Annuity ......................AAA
Guardian Life of America ..........................AAA
Gulf Life ........................................BBBq
Hartford Life .....................................AAA
Harvest Life ......................................BBq
Hawaiian Life Ltd .................................BBq
Health Insurance of Vermont .......................BBq
Heritage Life .....................................BBq
Home Life Financial Assurance .....................BBq
Home Life ..........................................A+
Home Mutual (based, lic. in Md.) ..................BBq
Horace Mann Life ..................................BBq
Hudson Life Reassurance Corp. .....................BBq
Humana .............................................Bq
Idealife ..........................................BBq
IDS Life .........................................BBBq
Independent Life & Accident ......................BBBq
Indianapolis Life .................................BBq
Indianapolis Life Pension & .......................BBq
Individual ASR Co. .................................Bq
Industrial Life ...................................BBq
Integon Life Insurance Corp. ......................BBq
Integrated Resources Life .........................BBq
Integrity Life ....................................AA-
Integrity National Life ...........................BBq
Inter-American .....................................**
Inter-State Assurance Co. .........................AA-
Intercontinental Life .............................BBq
Interfaith Life ...................................BBq
International Financial Service ....................Bq
Intramerica Life .................................BBBq
Investment Life of America .........................**
Investors Guaranty Life ...........................BBq
Investors Life North America ......................BBq
Investors Life of Calif. ..........................BBq
Investors Life of Nebraska ........................BBq
ITT Life Insurance Corp. ..........................BBq
ITT Lyndon Life ..................................BBBq
Jackson National Life ............................BBBq
J C Penney Life ...................................BBq
Jefferson National Life ...........................BBq
Jefferson-Pilot Pension Life .......................**
Jefferson-Pilot Life .............................BBBq
John Alden Life ...................................BBq
John Deere Life ...................................BBq
John Hancock Mutual Life ..........................AAA
John Hancock Variable Life .........................Bq
Kanawha ...........................................BBq
Kansas City Life .................................BBBq
Kansas City Variable Life ..........................**
Kemper Investors Life .............................BBq
Kennesaw Life & Accident ...........................**
Kentucky Central Life ...............................A
Keystone Provident Life ...........................BBq
Keystone State Life ................................Bq
Koln Life ..........................................**
Lafayette Life ....................................BBq
League Life ........................................Bq
Legal & General (based, not lic. in Md.) ...........**
Liberty Life Assurance Co. of Boston ..............BBq
Liberty Life ......................................BBq
Liberty National Life .............................AAA
Life & Casualty of Tennessee .....................BBBq
Life & Health of America ..........................BBq
Life of Illinois .................................BBBq
Life of North America ............................BBBq
Life of Virginia ...................................AA
Life Investors of America .........................AA+
Life of Boston .....................................Bq
Life of Maryland (based, lic. in Md.) ..............Bq
Life Reassurance of America ......................BBBq
Lincoln American Life .............................BBq
Lincoln Benefit Life Co. ..........................AAA
Lincoln Income Life ...............................BBq
Lincoln Liberty Life ...............................Bq
Lincoln National Life .............................AA+
Lincoln Security Life of Conn. ...................BBBq
London Pacific Life & Annuity .....................BBq
Lone Star Life ....................................BBq
Loyal American Life ................................Bq
Loyalty Life .......................................Bq
Lutheran Brotherhood ...............................Bq
Lyndon ...........................................BBBq
Madison National Life .............................BBq
Maine Fidelity Life ................................Bq
Manhattan Life ....................................BBq
Manhattan National Life ............................Bq
Manufacturers Life .................................**
Manufacturers Life of America .....................BBq
Marquette National Life ...........................BBq
Massachusetts Casualty ............................BBq
Massachusetts Ind & Life ...........................AA
Massachusetts Mutual Life .........................AAA
Mayflower National Life ............................Bq
Medical Life ......................................BBq
Mercantile & General Life ........................BBBq
Merit Life .......................................BBBq
Metropolitan Insurance & Annuity ..................BBq
Metropolitan Life .................................AAA
Metropolitan Tower Life ............................Bq
MIC Life Insurance Corp. ..........................BBq
Mid-South ..........................................Bq
Mid-West National Life of Tenn. ...................BBq
Middle Atlantic Life ..............................BBq
Midland National Life ............................BBBq
Midwestern National Life of Ohio ...................Bq
Midwestern United Life ............................BBq
Ministers Life, a Mutual Life .....................BBq
Minnesota Mutual Life .............................AAA
MML Bay State Life ...............................BBBq
MML Life ..........................................BBq
MML Pension .......................................BBq
Monarch Life ......................................BBB
Monitor Life of N.Y. ...............................**
Monumental General (based, lic. Md.) ..............AA+
Monumental Life (based, lic. in Md.) ..............AA+
MONY Life of America ..............................BBq
Munich American Reassurance .......................BBq
Mutual Benefit Life ...............................AA+
Mutual Life of N.Y. ...............................AA-
Mutual of America Life .............................AA
Mutual of Omaha ...................................BBq
Mutual Service Life ...............................BBq
National Affiliated Investors ......................Bq
National Benefit Life ..............................Bq
National Fidelity Life ............................BBq
National Group Life ................................Bq
National Health ...................................BBq
National Home Life Assurance .......................AA
National Life. .....................................A+
National Motor Club Life & Accident ................**
National Old Line .................................AA+
National Pension Life Insurance ....................**
National Public Service ..........................BBBq
National States ..................................BBBq
National Travelers Life Co. .......................BBq
National United Life ...............................**
National Western Life .............................BBq
Nationwide Life ...................................AAA
Network America Life ...............................Bq
New England General Life .........................BBBq
New England Mutual Life ...........................AA+
New England Variable Life ..........................Bq
New Jersey Life ....................................Bq
New York Life & Health ............................BBq
New York Life Insurance & Annuity .................AAA
New York Life .....................................AAA
NN Investors Life Inc. ............................AA+
N. American Co. for Life & Health ................BBBq
American Equitable Life ........................BBq
N. American Life & Casualty ......................BBBq
N. American Security Life ..........................Bq
N. Carolina Mutual Life ............................Bq
North Central Life .................................Bq
Northbrook Life ...................................AAA
Northwestern Mutual Life ..........................AAA
Northwestern National Life ........................AA+
Occidental Life of N.C. ............................Bq
Ohio National Life ASR Corp. ......................BBq
Ohio National Life ................................BBq
Ohio State Life ...................................BBq
Old American .....................................BBBq
Old Dominion Life ..................................**
Old Line Life of America .........................BBBq
Old Republic Life .................................BBq
Omaha Financial Life ...............................**
Pacific Fidelity Life .............................AA+
Pacific Mutual Life ...............................AAA
Pan American Assurance .............................Bq
Pan American Life .................................BBq
Paragon Life .......................................Bq
Paul Revere Life ..................................BBq
Paul Revere Protective Life ........................Bq
Paul Revere Variable Annuity ......................BBq
Peninsular Life ....................................Bq
Penn Insurance & Annuity ..........................BBq
Penn Mutual Life ...................................A+
Penn Treaty Life ..................................BBq
Peoples Security Life .............................AAA
Philadelphia American Life ........................BBq
Philadelphia Life .................................BBq
Philadelphia-United Life ..........................BBq
Phoenix American Life ..............................Bq
Phoenix Mutual Life ...............................AA+
Physicians Life ...................................BBq
Physicians Mutual ................................BBBq
Pioneer American ..................................BBq
Pioneer Life of Illinois ..........................BBq
Pioneer Security Life ..............................Bq
PM Group Life .....................................BBq
Prairie States Life ...............................BBq
Preferred Risk Life ..............................BBBq
Premier Life .......................................**
Presbyterian Ministers Fund .......................BBq
Presidential Life ................................BBB+
Principal Life .....................................**
Principal Mutual Life .............................AAA
Principal National Life ...........................BBq
Progressive American Life ..........................**
Protected Home Mutual Life .........................Bq
Protective Life ....................................AA
Provident Indemnity Life ...........................Bq
Provident Life & Accident .........................AA+
Provident Life .....................................A+
Provident Mutual Life of Philadelphia ..............AA
Provident National ................................AA+
Pruco Life .........................................Bq
Prudential of America .............................AAA
Pyramid Life ......................................BBq
Reliable Standard Life .............................A-
Republic-Vanguard Life ...........................BBBq
Reserve Life .....................................BBBq
Royal Life of America .............................BBq
Royal Maccabees Life ..............................BBq
Safeco Life .......................................BBq
Safeco National Life .............................BBBq
Saint Louis Re .....................................Bq
Savers Life of America .............................Bq
Security ASR Co. ..................................BBq
Security Connecticut Life ........................BBBq
Security Equity Life ..............................AA-
Security First Life ...............................BBq
Security Life of America ..........................BBq
Security Life of Denver ...........................AAA
Security Mutual Life of N.Y. ......................AA-
Security of America Life ..........................BBq
Security Trust Life ..............................BBBq
Sentry Investors Life ............................BBBq
Shenandoah Life ...................................BBq
SMA Life Assurance ................................BBq
Sooner Life .......................................BBq
Southland Life ...................................BBBq
Southwestern Life ..................................A-
Sovereign Life of Calif. ..........................AA+
Springfield Life .................................BBBq
Standard ..........................................BBq
Standard Life of Indiana ..........................BBq
Standard of America Life .........................BBBq
Standard Security Life of N.Y. ....................BBq
State Auto Life ....................................Bq
State Bond & Mortgage Life ........................BBq
State Farm Annuity & Life ..........................**
State Farm Life ...................................AAA
State Life ........................................BBq
State Mutual Life of America ......................AAA
Sterling Investors Life ............................Bq
Summit National Life ...............................**
Sun Life ASR Co. of CAN US BR .....................AAA
Sun Life ASR Co. of Canada (US) BR ................AAA
Sun Life of America ................................AA
Superior Life ....................................BBBq
Surety Life .......................................AAA
Swiss-AM Reassurance Co. ...........................**
Tandem Insurance Group Inc. ........................**
Teachers Protv Mutual Life .........................Bq
Texas Life ........................................BBq
Time ..............................................BBq
Trans General Life (based, lic. in Md.) ............**
Trans Pacific Life ................................BBq
Trans World Assurance Co. .........................BBq
Transamerica Assurance Co. .........................Bq
Transamerica Life Insurance & Annuity .............AA+
Transamerica Occidental LIC of Calif. .............AA+
Transport Life ...................................BBBq
Travelers Life Dept. ...............................A+
Travelers of Illinois .............................BBq
Travelers Life .....................................A+
Trustmark Life ....................................BBq
US Guardian Health ................................BBq
Union Bankers .....................................BBq
Union Benefit Life .................................Bq
Union Central Life ..................................A
Union Fidelity of Trevose, Pa. ...................BBBq
Union Labor Life ..................................BBB
Union Security Life ...............................BBq
United American ...................................AAA
United Companies Life .............................BBq
United Family Life ................................BBq
United Health and Life ...........................BBBq
United Investors Life ............................BBBq
United Liberty Life ................................Bq
United of Omaha Life .............................BBBq
United Pacific Life ..............................BBB+
United Presidental Life ...........................BBq
United Republic Life ...............................**
United Services Life ...............................A+
United States Life in N.Y. City ...................BBq
United Wisconsin Life ............................BBBq
United World Life ................................BBBq
Unity Mutual Life .................................BBq
Universal Underwriters Life ......................BBBq
Unum Life .........................................AA+
Unum Life of America ..............................AA+
Unum Pension and ..................................BBq
USAA Annuity & Life ...............................BBq
Usable ............................................BBq
USG Annuity & Life Co. ............................AA-
USLife Credit Life ................................BBq
Utica National Life ................................Bq
Valley Forge Life .................................AA+
Variable Annuity Life .............................AA+
Vermont Life .......................................Bq
Veterans Life .....................................BBq
Victory Life .......................................Bq
Vista Life ........................................BBq
Volunteer State Life ..............................AA+
Washington National ...............................BBq
Washington Square Life .............................Bq
Wellington Life ....................................**
West Coast Life ...................................BBq
Western & Southern Life ..........................BBBq
Western Life ......................................BBq
Western National Life ..............................A-
Western Reserve Life of Ohio ......................BBq
Western Security Life ..............................**
Western States Life ...............................BBq
Weestfield Life ....................................BBq
Westland Life .....................................BBq
William Penn Life of America .......................Bq
Wisconsin National Life ...........................BBq
World ..............................................Bq
World Life & Health of Pa. .........................Bq
World Service Life of Colo. ........................Bq
Xerox Financial Services Life .......................A
Zurich American Life ...............................Bq