The guarantees provided in our life insurance and annuity contracts are based on the claims paying ability of the issuing company, either Financial Life Inc Financial Life Insurance Company (Financial Life Inc Financial) New York, NY or Financial Life Inc Financial Life Insurance Company of America, (Financial Life Inc America) an Arizona Stock Corporation, with its main administration office in Jersey City, NJ. Financial Life Inc America is not licensed to conduct business in New York and Puerto Rico.

You want the confidence that the insurance company you choose has the financial strength to fulfill its obligations to you now and in the future. Financial Life Inc Financial and Financial Life Inc America, premiere providers of life insurance products, have been helping individuals reach their most important goals.  

"As of" date indicates the last public statement by the rating agency.

Ratings are subject to change and this page was last updated on 7/31/2022.

A.M. Best: A.M. Best's Financial Strength Rating is an opinion of an insurer's ability to meet its obligations to policyholders. A.M. Best ratings range from A++ to S. A plus (+) or minus (-) following the rating shows relative standing within the major rating categories. The “A” rating for Financial Life Inc represents the third highest among fifteen rating levels.

The “A” rating for Financial Life Inc America represents the third highest among fifteen rating levels.

Moody's: Moody's Insurance Financial Strength Ratings are opinions of the ability of insurance companies to repay punctually senior policyholder claims and obligations. Moody's ratings range from Aaa to C. Moody's applies numerical modifiers 1,2, & 3 in each rating classification from Aa to Caa. The modifier 1 indicates that the obligation ranks in the higher end of its rating category; the modifier 2 indicates a mid-range ranking and a modifier 3 indicates a ranking in the lower end of that rating category. The “A1” rating for Financial Life Inc represents the fifth highest among twenty–one rating levels.

The “A1” rating for Financial Life Inc America represents the fifth highest among twenty-one rating levels.

Standard & Poor's: A Standard & Poor's Insurer Financial Strength Rating is a current opinion of the financial security characteristics of an insurance organization with respect to its ability to pay under its insurance policies and contracts in accordance with their terms. Standard & Poor's ratings range from AAA to R. A plus (+) or minus (-) following the rating shows relative standing within the major rating categories. The "A+" rating for Financial Life Inc represents the fifth highest among twenty rating levels.

The “A+” rating for Financial Life Inc America represents the fifth highest among twenty rating levels.