Financial Strength Rating

A Financial Strength Rating, sometimes abbreviated as FSR and occasionally IFSRs are a measure of an insurers ability to meet ongoing claims.  This is extremely important in life insurance and annuities because nobody wants to buy a life insurance policy if the insurance company will not be able to pay the death benefit or a insurance contract once the benefit is due.

About the Financial Strength Rating System:

Financial Strength Ratings are often confused with Credit Ratings.  This is likely due to the fact that Financial Strength Ratings are done by Credit Rating Agencies.

The Big Credit Ratings that do Financial Strength Ratings are: S&P, Moodys, Fitch, and insurer rating specialist AM Best.  Each rating agency has their own method and scale and are independent of each other.

Financial Strength Ratings are also done on other insurers such as property, causality, auto, health, and others.

It is recommended that you always check the financial strength rating (FSR) of any insurance company that you are considering purchasing insurance from.  This is extremely important especially for life insurance.

Questions and Answers

Written by Scott W Johnson

Life Insurance Questions and Answers is our list of some salient questions that we have had about insurance. Some specific, some totally random, we have added numerous questions to this list.

Longest A Rated Life Insurers

Written by Scott W Johnson

AM Best has come out with a list of the longest time frames that various life insurer carriers have been rated A or better.  These Longest A Rated Life Insurers list was created from their article.  Keep in mind that A rated or better refers to the following AM Best Financial Strength Ratings: A, A+,.. More

Geico Life Insurance

Written by Scott W Johnson

Can you even buy life insurance with Geico? Does that Gecco sell it all? Geico may be able to save you 15% on Auto Insurance, but unfortunatly Geico themselves doe not technically sell life insurance. Read our Geico Life Insurance Review.

125 Plus A+ Rated Life Insurance Companies

Written by Scott W Johnson

A+ Rated Life Insurance Companies – and Lots of ThemComprehensiveUse as a Reference Learn & UnderstandInsurance Agents often brag about their company’s Financial Strength Rating (FSR) when they are A++. They should. BUT there are over 100 life insurance companies that are also rated A+.  An A+ insurance company is only one notch below A++.  .. More

Shock Comes to Family that does Not Check Insurers Financial Strength Rating

Written by Scott W Johnson

This is s story about a family that needs to buy life insurance and end up learning a whole lot. Initially they think that their situation calls for just any life insurer, but they end up learning that there are lots and lots of decisions to make. One of the key considerations is the Financial Strength Ratings. These are ratings done by the Credit Rating Agencies. They issue both FSRs and PHS ratings. These are really important considerations for countless american consumers when they go to purchase any type of life insurance.

The Top Ten Life Insurance Companies ranked by the Comdex.  The comdex is a ranking of financial strength ratings.  It compiles four different rater’s ratings into one commingled rating. This ‘poll of polls’ rates most of the life insurance companies in the United States. There may be some important considerations that you should be aware of before.. More


Written by Scott W Johnson

​Comdex Ratings: What it is and Can you Trust it? Comdex Rankings and their use with Financial Strength Ratings.The Comdex Score and why its important.What is the Comdex Score?Is the Comdex Score more important than an AM Best RatingWhat is a Comdex Score: A comdex score is “a composite score averaging the ratings of the major insurance.. More

AM Best Rating Scale

Written by Scott W Johnson

​The AM Best Rating scale is a form of a Financial Ratings Scale that is specific to the AM Best Brand.   Below please find detailed information concerning their ratings and classifications.Since AM Best is the creator of the IFS rating classification and since they are the only credit rating agency to specialize in life.. More

How to Check a Financial Strength Rating with Moodys

Written by Scott W Johnson

Interested in Life Insurance and Need to Check a Rating from Moodys? Don’t Trust the ISFR from your insurance agent? Buying a Term Life policy for thirty years and want to make sure the company is secure?If you are considering buying any form of insurance, life, or otherwise it is imperative that you check the Financial Strength.. More

How to Check the Financial Strength Rating with AM Best Video

Written by Scott W Johnson

How to check a financial strength rating with AM Best. It is extremely important that people check the Financial Strength Rating every time that the consider buying any form of insurance. There are three large national credit rating agencies plus one specialty rater (AM Best) that issue Financial Strength Ratings.​ ​The Three National Credit Rating Agencies are: Moodys,.. More