There are several factors used to determine a financial strength rating of a life insurance company, including the insurer's ability to meet their financial obligations and pay their claims.
On elf the leading independent rating agencies for life insurance carriers if A.M. Best Company. The highest rating offered by AM best is "A++" Superior which is assigned to insurance companies that have a superior ability to meet their ongoing insurance obligations.
Some of the leading insurers with an "A++" rating from AM Best include Northwestern Mutual, New York Life, Massachusetts Mutual, and State Farm, among others.
Here is a list of some of the best life insurance rated companies and their financial strength ratings issued by A.M. Best Company.