Annuity Ratings

When you are choosing a bond to invest in, you would look at the bond's ratings by Standard & Poor's, Moody's, and other ratings agencies' ratings such as A.M. Best. The ratings help you determine how good, stable, and how risky that bond is as well as how secure is your interest payments and return of principal at maturity.

Just like bonds, Annuities also have ratings

When purchasing an annuity, you should look at the ratings of the Annuity provider. The better the ratings, the better your annuity. For example;

Allstate has the rating of AA+ (very strong) by Standard & Poor's, Aa2 (Excellent) by Moody's, and A+ (Superior) by A.M.Best.

AIG SunAmerica has the rating of AAA by Standard & Poor's and Aaa by Moody's.

Naturally, before you purchase an annuity, you should examine the rating of the Annuity's provider.

We only look at highly rated Annuities

Since the Guarantee of an annuity is what makes most annuities attractive, the rating of the annuity provider is very important. This is because the guarantee is held good by the annuity provider and the more highly rated the provider the more likely you will get exactly what you are guaranteed. Basically, would you trust small-time companies when they make you a promise? They could be out of the business next week and you will be left with nothing and no one to help you claim your loss. By choosing a nationally ranked Annuity providers and best annuity products they offer, it is most likely that these companies will be around for a long time.

Look for at least A rating or better

As a rule of thumb, you should always look for an A rating or better. On our website, we will only recommend better than A rated Annuities. Always look for the: