The financial strength ratings of life insurance companies are issued by independent rating agencies, like AM Best Company, Moody's, and Standard & Poor's.
These rating agencies review the financial statements of the insurers and determine the insurer's ability to meet their financial obligations and pay their claims.
The agencies issue a financial rating, and usually a rating of "A" (Excellent) or better is the minimum rating you should consider when buying a life insurance policy from an insurer.
Each year, the III.org issues a list of top writers of individual life insurance policies in the U.S. based on the number of individual life insurance policies issued.
You can review a list of these top life insurance carriers and their financial ratings online, and request free life insurance quote comparisons.
The top rating available is A++ (Superior) issued by AM Best Company.
There are several carriers that have an A++ rating from which you can choose by reviewing this list of top rated life insurance companies.