• - Guaranteed protection of principal
    - Up to 8% compounded growth for income accounts
    - Guaranteed income that you can never outlive
    - Participation in market gains
    - No participation in market losses

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Top Annuity Companies and Financial Ratings works with annuity experts that search top rated insurance companies for the best annuity products to meet your financial goals.

Annuities are offered by Insurance companies and sold through licensed agents. The insurance company must be evaluated and licensed in your state as does the agent. State insurance commissions scrutinize Insurance companies to ensure they have reserve funds, commonly referred to as State Legal Reserve Pools, in place to protect investors before granting insurance companies licenses. If an insurance company goes out of business other insurance companies licensed in state must assume bankrupt insurers obligations and liabilities. Note that this protection protects fixed-rate annuity holders only, with some protection afforded to variable annuity owners.

Each insurance company recieves a financial strength rating from a financial or insurance rating institution. The most notable insurance rating institution is A.M Best whos rating definitions are listed below.

A.M. Best Rating Definitions

Rating: Descriptor: Definition:
A++, A+ Superior Able to meet insurance obligations.
A, A- Excellent Able to meet insurance obligations.
B++, B+ Good Able to meet insurance obligations.
B, B- Fair Vulnerable to unfavourable economic conditions.
C++, C+ Marginal Vulnerable to unfavourable economic conditions.
C, C- Weak Very vulnerable to unfavourable economic conditions.
D Poor Extremely vulnerable to unfavourable economic conditions.
E Under Supervision Company is under regulation, preventing normal business operations.
F In Liquidation Company is ongoing voluntary liquidation.
S Suspended Unevaluated due to inadequate information or lack of cooperation.
There are many insurance companies that provide annuity products. While insurance companies and the annuities they provide are backed by the State Guarantee Fund it is still important to consider the financial strenght of a company bofore investing in an annuity. The insurance companies listed below are notable due to their strong financial strenth.
Insurance Company Rating
Aviva has grown from the merger of a number of businesses to become the sixth-largest insurer in the world providing retirement, investments and insurance to 44.5 million customers in over 25 countries. Since forming in July 2002, over 40 brands have migrated to Aviva, and in 2009/10 three of our most significant markets (UK, Ireland and Poland) completed the brand migration to Aviva.
ING is a global financial services brand offering a range of banking and insurance services in over fifty countries. The ING brand dates from 1991 when a Dutch bank and insurer merged into the Internationale Nederlanden Groep ā€˜I-N-Gā€™, and the lion in the logo is derived from various logos of predecessor companies. Over the years over fifty labels have been rebranded to ING and worldwide brand awareness and reputation have steadily grown. Today, many millions of private, corporate and institutional customers in Europe, North and Latin America, Asia and Australia are putting their faith in ING to help them manage their financial future.
John Hancock
John Hancock Financial Services is a unit of Manulife Financial Corporation, a leading Canadian-based financial-services group serving millions of customers in 21 countries and territories worldwide. Manulife Financial ranks as the 12th largest public life insurer in the world and the third-largest in North America based on market capitalization.
Mass Mutual
MassMutual ranks in the Fortune 500 and was listed as one of the nine most admired life and health insurance companies in the world in the March 21, 2011 issue of FORTUNE. Our network of trained Financial Professionals includes thousands of representatives located across the United States. They work hard to get to know you and your unique financial goals ā€“ and they strive to maintain a long-term relationship with you, helping you adapt and refine your financial strategies as you move through life.
Mutual of Omaha
A full-service, multi-line provider of insurance and financial services products, Mutual of Omaha offers products and services that provide financial protection to help families, individuals, businesses and groups achieve their goals.
North American
North American is part of Sammons Financial Group, Inc. (SFG), whose member companies offer a diverse portfolio of investment services, including life insurance, annuities, and securities. SFG's parent company ā€” Sammons Enterprises, Inc., is a multi-faceted, global holding corporation that owns and operates businesses across a diverse range of industries. Headquartered in Dallas, Texas, with assets approaching $45 billion, Sammons Enterprises, Inc. ranks as one of the largest privately held companies in the United States.
Prudential Financial companies serve individual and institutional customers worldwide and include The Prudential Insurance Company of America, one of the largest life insurance companies in the U.S. These companies offer a variety of products and services, including life insurance, mutual funds, annuities, pension and retirement-related services and administration, asset management, banking and trust services, real estate brokerage franchises, and relocation services.

Top Annuity Providers

Aviva Logo ING Logo John Hancock Logo Lafayette Logo Mass Mutual Logo North American Logo Prudential Logo Mutual of Omaha Logo

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