The financial rating of a life insurance company is an indicator of that insurer's ability to meet their financial obligations, and pay their claims.
The higher the financial rating, the better. A life insurance company rated "A" or higher by A.M. Best Company may be a stable, financially secure insurance company.
Their are several independent financial rating agencies that review and rate insurance companies, including A.M. Best. Company, Dun& Bradstreet, and Moody's, among others.
You can visit www.ambest.com to check on financial ratings of life insurance companies.
In addition, when you request free life insurance quotes online, the quote provider usually provides the name and financial rating of the insurance companies quoted, as well as, the type and amount of life insurance offered, and the premiums.
Here's an article that provides more information about life insurance company ratings to assist you further.