如果您正在尋找2019年最佳人壽保險公司,那麼您來對地方了。
我們將在本文中介紹四個主要評級機構的2019年人壽保險評分;
此外,以下是每個公司的每個人壽保險的2019 Comdex得分。 其中包括2019年人壽保險承保內容和性價比最好的公司。
由於每種人壽保險都有自己的承保准則並且在一些其它市場具有更好
有許多好的人壽保險計劃產品都已經沒有了,例如下圖紐約人壽的產品,既保本,也保證有4%的回報。
Company Name | State | Best | S&P | Moody’s | Fitch | Ranking | |
1 | Northwestern Mutual Life Ins | WI | A++ | AA+ | Aaa | AAA | 100 |
2 | New York Life Ins Co | NY | A++ | AA+ | Aaa | AAA | 100 |
3 | New York Life Ins & Ann | DE | A++ | AA+ | Aaa | AAA | 100 |
4 | Berkshire Hathaway Life of NE | NE | A++ | AA+ | 100 | ||
5 | General Re Life Corporation | CT | A++ | AA+ | 100 | ||
6 | Northwestern Long Term Care | WI | A++ | AA+ | Aaa | AAA | 100 |
7 | Teachers Ins & Ann Assoc | NY | A++ | AA+ | Aa1 | AAA | 99 |
8 | Thrivent Financial Lutherans | WI | A++ | AA+ | 99 | ||
9 | USAA Life Ins Co | TX | A++ | AA+ | Aa1 | AAA | 99 |
10 | TIAA-CREF Life Ins Co | NY | A++ | AA+ | Aa1 | AAA | 99 |
11 | Thrivent Life Ins Co | MN | A++ | AA+ | 99 | ||
12 | Berkshire Life Ins Co of Amer | MA | A++ | AA+ | AA+ | 99 | |
13 | USAA Life Ins Co of NY | NY | A++ | AA+ | Aa1 | 99 | |
14 | Massachusetts Mutual Life Ins | MA | A++ | AA+ | Aa2 | AA+ | 98 |
15 | State Farm Life Ins Co | IL | A++ | AA | Aa1 | 98 | |
16 | Guardian Life Ins Co of Amer | NY | A++ | AA+ | Aa2 | AA+ | 98 |
17 | Knights of Columbus | CT | A+ | AA+ | 98 | ||
18 | Guardian Ins & Ann Co Inc | DE | A++ | AA+ | Aa2 | AA+ | 98 |
19 | C M Life Ins Co | CT | A++ | AA+ | Aa2 | AA+ | 98 |
20 | MML Bay State Life Ins Co | CT | A++ | AA+ | Aa2 | AA+ | 98 |
21 | State Farm Life & Acc Assur Co | IL | A++ | AA | Aa1 | 98 | |
22 | Allianz Life Ins Co of NY | NY | A+ | AA | 97 | ||
23 | CSI Life Ins Co | NE | A+ | AA | 97 | ||
24 | Great-West Life & Ann | CO | A+ | AA | Aa3 | AA | 96 |
25 | Western-Southern Life Assur | OH | A+ | AA | Aa3 | AA | 96 |
26 | Western & Southern Life Ins | OH | A+ | AA | Aa3 | AA | 96 |
27 | Integrity Life Ins Co | OH | A+ | AA | Aa3 | AA | 96 |
28 | Lafayette Life Ins Co | OH | A+ | AA | AA | 96 | |
29 | National Integrity Life Ins Co | NY | A+ | AA | Aa3 | AA | 96 |
30 | Metropolitan Tower Life Ins Co | DE | A+ | Aa3 | 96 | ||
31 | Columbus Life Ins Co | OH | A+ | AA | Aa3 | AA | 96 |
32 | Great-West Life & Ann NY | NY | A+ | AA | Aa3 | AA | 96 |
33 | Jackson National Life Ins Co | MI | A+ | AA | A1 | AA | 95 |
34 | RiverSource Life Ins Co | MN | A+ | AA- | Aa3 | 95 | |
35 | American United Life Ins Co | IN | A+ | AA- | 95 | ||
36 | Hannover Life Reassur Amer | FL | A+ | AA- | 95 | ||
37 | Swiss Re Life & Health America | MO | A+ | AA- | Aa3 | 95 | |
38 | Jackson National Life Ins of NY | NY | A+ | AA | A1 | AA | 95 |
39 | Munich American Reassur Co | GA | A+ | AA- | 95 |
40 | State Life Ins Co | IN | A+ | AA- | 95 | ||
41 | RiverSource Life Ins Co of NY | NY | A+ | AA- | Aa3 | 95 | |
42 | Companion Life Ins Co | NY | A+ | AA- | 95 | ||
43 | HCC Life Ins Co | IN | A++ | AA- | AA- | 95 | |
44 | SCOR Global Life USA Re Co | DE | A+ | AA- | 95 | ||
45 | Sun Life & Health Ins Co US | MI | A+ | AA- | 95 | ||
46 | SCOR Global Life Reins Co DE | DE | A+ | AA- | 95 | ||
47 | United World Life Ins Co | NE | A+ | AA- | 95 | ||
48 | Metropolitan Life Ins Co | NY | A+ | AA- | Aa3 | AA- | 94 |
49 | Sun Life Assur | CN | A+ | AA- | Aa3 | AA- | 94 |
50 | Allianz Life Ins Co N America | MN | A+ | AA | A1 | 94 | |
51 | Prudential Annuities Life Assur | AZ | A+ | AA- | AA- | 94 | |
52 | Mutual of America Life Ins Co | NY | A+ | AA- | AA- | 94 | |
53 | Pruco Life Ins Co of NJ | NJ | A+ | AA- | AA- | 94 | |
54 | General American Life Ins Co | MO | A+ | AA- | Aa3 | AA- | 94 |
55 | Banner Life Ins Co | MD | A+ | AA- | AA- | 94 | |
56 | SCOR Global Life Americas Rein | DE | A+ | AA- | AA- | 94 | |
57 | William Penn Life Ins Co of NY | NY | A+ | AA- | AA- | 94 | |
58 | Minnesota Life Ins Co | MN | A+ | A+ | Aa3 | AA | 93 |
59 | United of Omaha Life Ins Co | NE | A+ | AA- | A1 | 93 | |
60 | Mutual of Omaha Ins Co | NE | A+ | AA- | A1 | 93 | |
61 | Allstate Assur Co | IL | A+ | A1 | 93 | ||
62 | Securian Life Ins Co | MN | A+ | A+ | Aa3 | AA | 93 |
63 | Prudential Ins Co of America | NJ | A+ | AA- | A1 | AA- | 92 |
64 | John Hancock Life Ins Co USA | MI | A+ | AA- | A1 | AA- | 92 |
65 | Pruco Life Ins Co | AZ | A+ | AA- | A1 | AA- | 92 |
66 | Prudential Retirement Ins&Ann | CT | A+ | AA- | A1 | AA- | 92 |
67 | Penn Mutual Life Ins Co | PA | A+ | A+ | Aa3 | 92 | |
68 | John Hancock Life Ins Co NY | NY | A+ | AA- | A1 | AA- | 92 |
69 | John Hancock Life & Health Ins | MA | A+ | AA- | A1 | AA- | 92 |
70 | Penn Ins & Ann Co | DE | A+ | A+ | Aa3 | 92 | |
71 | American Life Ins Co DE | DE | NR | AA- | A1 | 91 | |
72 | Transamerica Advisors Life Ins | AR | A+ | AA- | A+ | 91 | |
73 | Globe Life And Acc Ins Co | NE | A+ | AA- | A+ | 91 | |
74 | American Income Life Ins Co | IN | A+ | AA- | A+ | 91 | |
75 | Protective Life & Ann Ins | AL | A+ | AA- | A+ | 91 | |
76 | United American Ins Co | NE | A+ | AA- | A+ | 91 | |
77 | Lincoln National Life Ins Co | IN | A+ | AA- | A1 | A+ | 90 |
78 | Principal Life Ins Co | IA | A+ | A+ | A1 | AA- | 90 |
79 | Transamerica Life Ins Co | IA | A+ | AA- | A1 | A+ | 90 |
80 | Pacific Life Ins Co | NE | A+ | AA- | A1 | A+ | 90 |
81 | American Fam Assur Columbus | NE | A+ | A+ | Aa3 | A+ | 90 |
82 | Protective Life Ins Co | TN | A+ | AA- | A1 | A+ | 90 |
83 | Transamerica Premier Life Ins Co | IA | A+ | AA- | A1 | A+ | 90 |
84 | Transamerica Financial Life | NY | A+ | AA- | A1 | A+ | 90 |
85 | Fidelity Investments Life Ins | UT | A+ | A+ | 90 | ||
86 | Lincoln Life & Ann Co NY | NY | A+ | AA- | A1 | A+ | 90 |
87 | Liberty National Life Ins Co | NE | A+ | AA- | A1 | A+ | 90 |
88 | Pacific Life & Ann Co | AZ | A+ | AA- | A1 | A+ | 90 |
89 | West Coast Life Ins Co | NE | A+ | AA- | A1 | A+ | 90 |
90 | Wilco Life Ins Co | IN | A+ | A+ | 90 | ||
91 | Wilton Reassur Co | MN | A+ | A+ | 90 | ||
92 | Empire Fidelity Investments Life | NY | A+ | A+ | 90 | ||
93 | Texas Life Ins Co | TX | A+ | A+ | 90 | ||
94 | Wilton Reassur Life Co NY | NY | A+ | A+ | 90 | ||
95 | Principal National Life Ins Co | IA | A+ | A+ | A1 | AA- | 90 |
96 | Nationwide Life Ins Co | OH | A+ | A+ | A1 | 89 | |
97 | Ohio National Life Ins Co | OH | A+ | A+ | A1 | 89 | |
98 | UnitedHealthcare Ins Co | CT | A | AA | A1 | AA- | 89 |
99 | Nationwide Life & Ann Ins | OH | A+ | A+ | A1 | 89 | |
100 | Ohio National Life Assur Corp | OH | A+ | A+ | A1 | 89 | |
101 | Primerica Life Ins Co | MA | A+ | AA- | A2 | 89 | |
102 | Golden Rule Ins Co | IN | A | AA | 89 | ||
103 | Midland National Life Ins Co | IA | A+ | A+ | A+ | 88 | |
104 | RGA Reins Co | MO | A+ | AA- | A | 88 | |
105 | North American Co for L&H | IA | A+ | A+ | A+ | 88 | |
106 | MONY Life Ins Co | NY | A+ | A+ | A1 | A+ | 88 |
107 | American Family Life Assur NY | NY | A+ | A+ | A+ | 88 | |
108 | Cigna Health & Life Ins Co | CT | A | AA- | A1 | 87 | |
109 | Allstate Life Ins Co | IL | A+ | A+ | A1 | A | 86 |
110 | Connecticut General Life Ins | CT | A | AA- | A1 | A+ | 86 |
111 | Allstate Life Ins Co of NY | NY | A+ | A+ | A1 | A | 86 |
112 | First Reliance Standard Life | NY | A+ | A | 86 | ||
113 | Life Ins of North Amer | PA | A | NR | A1 | A+ | 84 |
114 | Anthem Life Ins Co | IN | A | A1 | 84 | ||
115 | Aetna Life Ins Co | CT | A | AA- | A3 | AA- | 83 |
116 | Reliance Standard Life Ins Co | IL | A+ | A | A2 | 83 | |
117 | American Heritage Life Ins Co | FL | A+ | A | A | 83 | |
118 | Standard Ins Co | OR | A | A+ | A1 | A | 82 |
119 | AGC Life Ins Co | MO | A | A+ | 82 | ||
120 | American Family Life Ins Co | WI | A | A+ | 82 | ||
121 | Cincinnati Life Ins Co | OH | A | A+ | A+ | 82 | |
122 | Cigna Life Ins Co of New York | NY | A | NR | A+ | 82 | |
123 | Cigna Worldwide Ins Co | DE | A | A+ | 82 | ||
124 | American General Life Ins Co | TX | A | A+ | A2 | A+ | 81 |
125 | Variable Ann Life Ins Co | TX | A | A+ | A2 | A+ | 81 |
126 | United States Life Ins of NY | NY | A | A+ | A2 | A+ | 81 |
127 | Ameritas Life Ins Corp | NE | A | A+ | 81 | ||
128 | Zurich American Life Ins Co | IL | A+ | A | A3 | 81 | |
129 | Brighthouse Life Ins Co of NY | NY | A | A+ | 81 | ||
130 | Ann Investors Life Ins Co | OH | A | A+ | 81 | ||
131 | Ameritas Life Ins Corp of NY | NY | A | A+ | 81 | ||
132 | AXA Equitable Life Ins Co | NY | A | A+ | A2 | 80 | |
133 | Symetra Life Ins Co | IA | A | A | A1 | A | 80 |
134 | Great American Life Ins Co | OH | A | A+ | A2 | 80 | |
135 | Life Ins Co of Southwest | TX | A | A+ | A2 | 80 | |
136 | National Life Ins Co | VT | A | A+ | A2 | 80 | |
137 | MONY Life Ins Co of Amer | AZ | A | A+ | A2 | 80 | |
138 | First Penn-Pacific Life Ins Co | IN | A | A- | A1 | A+ | 80 |
139 | American National Ins Co | TX | A | A | 78 | ||
140 | Liberty Life Assur of Boston | NH | A | A | 78 | ||
141 | National Western Life Ins Co | CO | A | A | 78 | ||
142 | Mutual Trust Life Ins Co | IL | A | A | 78 | ||
143 | Dearborn National Life Ins Co | IL | A | A | 78 | ||
144 | Pan-American Life Ins Co | LA | A | A | 78 | ||
145 | Provident Life & Casualty | TN | A | NR | A | 78 | |
146 | American National Life Ins NY | NY | A | A | 78 | ||
147 | Blue Shield of CA Life & Hlth | CA | A | A | 78 | ||
148 | Standard Life Ins of NY | NY | A | A | 78 | ||
149 | MEMBERS Life Ins Co | IA | A | A | 78 | ||
150 | Dearborn Natl Life NY | NY | A | A | 78 | ||
151 | Pan-American Assur Co | LA | A | A | 78 | ||
152 | Brighthouse Life Ins Co | DE | A | A+ | A3 | A | 77 |
153 | Voya Retirement Ins & Ann Co | CT | A | A | A2 | A | 77 |
154 | Unum Life Ins Co of Amer | ME | A | A | A2 | A | 77 |
155 | ReliaStar Life Ins Co | MN | A | A | A2 | A | 77 |
156 | CMFG Life Ins Co | IA | A | A | A2 | 77 | |
157 | Security Life of Denver Ins Co | CO | A | A | A2 | A | 77 |
158 | New England Life Ins Co | MA | A | A+ | A3 | A | 77 |
159 | Hartford Life & Acc Ins | CT | A | A | A2 | 77 | |
160 | Provident Life & Acc | TN | A | A | A2 | A | 77 |
161 | Paul Revere Life Ins Co | MA | A | A | A2 | A | 77 |
162 | First Unum Life Ins Co | NY | A | A | A2 | A | 77 |
163 | Colonial Life & Acc Ins | SC | A | A | A2 | A | 77 |
164 | ReliaStar Life Ins Co of NY | NY | A | A | A2 | A | 77 |
165 | First Symetra Nat Life Ins NY | NY | A | A | A | 77 | |
166 | Horace Mann Life Ins Co | IL | A | A | A3 | A | 75 |
167 | Savings Bank Life Ins Co of MA | MA | A | A- | 75 | ||
168 | Pacific Guardian Life Co Ltd | HI | A | A- | 75 | ||
169 | Standard Life & Acc Ins | TX | A | A- | 75 | ||
170 | USAble Life | AR | A | A- | 75 | ||
171 | Voya Ins & Ann Co | IA | A | BBB- | A2 | A | 74 |
172 | Athene Ann & Life Co | IA | A | A- | A- | 72 | |
173 | Athene Ann & Life Assur Co | DE | A | A- | A- | 72 | |
174 | Athene Ann & Life Assur NY | NY | A | A- | A- | 72 | |
175 | Unum Ins Co | ME | A- | A2 | A | 66 | |
176 | Forethought Life Ins Co | IN | A- | A- | A3 | A | 65 |
177 | Commonwealth Ann & Life | MA | A- | A- | A3 | A | 65 |
178 | First Allmerica Financial Life | MA | A- | A- | A3 | A | 65 |
179 | AXA Equitable Life & Ann | CO | A- | A+ | 64 | ||
180 | Accordia Life Ins Co | IA | A- | A- | A | 63 | |
181 | United Ins Co of America | IL | A- | A- | A3 | A- | 63 |
182 | Union Security Ins Co | KS | A- | A | A3 | 63 | |
183 | American Bankers Life Assur Co | FL | A- | A | A3 | 63 | |
184 | Bankers Life & Casualty Co | IL | A- | BBB+ | Baa1 | BBB+ | 61 |
185 | Washington National Ins Co | IN | A- | BBB+ | Baa1 | BBB+ | 61 |
186 | Colonial Penn Life Ins | PA | A- | BBB+ | Baa1 | BBB+ | 61 |
187 | Reliable Life Ins Co | MO | A- | A- | A- | 61 | |
188 | Union National Life Ins Co | LA | A- | A- | A- | 61 | |
189 | American Equity Invest Life | IA | A- | A- | BBB+ | 60 | |
190 | Employers Reassur Corp | KS | A- | A | 60 | ||
191 | American Memorial Life Ins Co | SD | A- | A | 60 | ||
192 | Midwestern United Life Ins Co | IN | A- | A | 60 |
Company Name | State | A.M. Best | S&P | Moody’s | Fitch | Comdex Ranking |
193 | Humana Ins Co of KY | KY | A- | A | 60 | ||
194 | Bankers Conseco Life Ins | NY | A- | BBB+ | BBB+ | 59 | |
195 | Security Benefit Life Ins Co | KS | A- | A- | 57 | ||
196 | First Security Benefit L&A NY | NY | A- | A- | 57 | ||
197 | American Nat’l Life Ins Texas | TX | A- | A- | 57 | ||
198 | ShelterPoint Life Ins Co | NY | A- | A- | 57 | ||
199 | Delaware Life Ins Co | DE | A- | BBB+ | 55 | ||
200 | Lincoln Benefit Life Co | NE | A- | BBB+ | 55 | ||
201 | Delaware Life Ins Co NY | NY | A- | BBB+ | 55 | ||
202 | Eagle Life Ins Co | IA | A- | BBB+ | 55 | ||
203 | American Equity Invest Life NY | NY | A- | BBB+ | 55 | ||
204 | UNICARE Life & Health Ins Co | IN | A- | BBB | 54 | ||
205 | Fidelity & Guaranty Life Ins | IA | B++ | BBB+ | Baa2 | BBB | 53 |
206 | Genworth Life & Ann Ins | VA | B++ | B+ | Ba1 | BB | 52 |
207 | Hartford Life Ins Co | CT | B++ | BBB | Baa3 | 49 | |
208 | Genworth Life Ins Co | DE | B | B+ | B2 | B+ | 49 |
209 | Hartford Life & Ann Ins | CT | B++ | BBB | Baa3 | 49 | |
210 | Genworth Life Ins Co NY | NY | B | B+ | B2 | B+ | 49 |
211 | Fidelity & Guar Life Ins Co NY | NY | B++ | BBB+ | BBB | 49 | |
212 | EquiTrust Life Ins Co | IL | B++ | BBB+ | 42 | ||
213 | Health Net Life Ins Co | CA | B++ | BBB+ | 42 | ||
214 | Humana Ins of Puerto Rico Inc | PR | B++ | BBB | 41 | ||
215 | Kanawha Ins Co | SC | B++ | BB+ | 40 | ||
216 | Phoenix Life Ins Co | NY | B | BB | 34 | ||
217 | PHL Variable Ins Co | CT | B | BB | 34 | ||
218 | Prudential Legacy Ins Co NJ | NJ | NR | ||||
219 | Union Fidelity Life Ins Co | KS | A- | ||||
220 | Modern Woodmen of America | IL | A | NR | |||
221 | Southern Farm Bureau Life Ins | MS | A+ | ||||
222 | Guggenheim Life & Ann Co | DE | B++ | ||||
223 | Woodmen of the World Life Soc | NE | A+ | ||||
224 | COUNTRY Life Ins Co | IL | A+ | NRpi | |||
225 | Farm Bureau Life Ins Co | IA | A | ||||
226 | Farmers New World Life Ins Co | WA | A | NR | |||
227 | Sentry Life Ins Co | WI | A+ | ||||
228 | Lombard Intl Life Assur Co | PA | A- | ||||
229 | American Fidelity Assur Co | OK | A+ | ||||
230 | Brooke Life Ins Co | MI | A+ | ||||
231 | Jefferson National Life Ins Co | TX | A | ||||
232 | Americo Financial Life & Ann | TX | A | ||||
233 | Auto-Owners Life Ins Co | MI | A+ | ||||
234 | National Guardian Life Ins Co | WI | A- | ||||
235 | Gerber Life Ins Co | NY | A | ||||
236 | Kansas City Life Ins Co | MO | A | ||||
237 | Union Labor Life Ins Co | MD | B++ | ||||
238 | Independence Life & Ann Co | DE | A- | ||||
239 | Homesteaders Life Co | IA | A- | ||||
240 | Security Mutual Life of NY | NY | A- | ||||
241 | Assurity Life Ins Co | NE | A- | NR | |||
242 | Farm Bureau Life Ins Co of MI | MI | A | ||||
243 | Wilcac Life Ins Co | IL | A+ | ||||
244 | LifeCare Assur Co | AZ | |||||
245 | United Farm Family Life Ins Co | IN | A | ||||
246 | Erie Family Life Ins Co | PA | A | ||||
247 | Physicians Mutual Ins Co | NE | A | ||||
248 | Tennessee Farmers Life Ins Co | TN | A+ | ||||
249 | GBU Financial Life | PA | A- | ||||
250 | Foresters Life Ins & Ann | NY | A | ||||
251 | Federated Life Ins Co | MN | A+ | ||||
252 | Paragon Life Ins Co IN | IN | NR | ||||
253 | Reinsurance Co of Missouri | MO | |||||
254 | Oxford Life Ins Co | AZ | A- | ||||
255 | Physicians Life Ins Co | NE | A | ||||
256 | All Savers Ins Co | IN | A | ||||
257 | Greek Catholic Union of USA | PA | NR | ||||
258 | Liberty Bankers Life Ins Co | OK | B++ | ||||
259 | United Life Ins Co | IA | A- | ||||
260 | SBLI USA Life Ins Co | NY | A- | ||||
261 | Trustmark Ins Co | IL | A- | ||||
262 | Pekin Life Ins Co | IL | A- | ||||
263 | Blue Cross & Blue Shield KS | KS | A | ||||
264 | Illinois Mutual Life Ins Co | IL | A- | ||||
265 | Combined Ins Co of America | IL | A+ | ||||
266 | Structured Ann Reins Co | IA | NR | ||||
267 | Catholic Financial Life | WI | NR | ||||
268 | Columbian Mutual Life Ins Co | NY | B++ | ||||
269 | Conseco Life Ins Co of Texas | TX |
270 | Alfa Life Ins Corp | AL | A | ||||
271 | Boston Mutual Life Ins Co | MA | A | ||||
272 | Farm Family Life Ins Co | NY | A | ||||
273 | Gleaner Life Ins Society | MI | A- | NR | |||
274 | Centurion Life Ins Co | IA | NR | ||||
275 | Funeral Directors Life Ins Co | TX | A- | ||||
276 | Baltimore Life Ins Co | MD | B++ | NR | |||
277 | Amica Life Ins Co | RI | A+ | ||||
278 | Great Western Ins Co | UT | B++ | NR | |||
279 | Shelter Life Ins Co | MO | A | ||||
280 | Western United Life Assur Co | WA | B+ | ||||
281 | Catholic Life Ins | TX | A- | NR | |||
282 | Catholic Order of Foresters | IL | A- | ||||
283 | Universal Life Ins Co | PR | A- | ||||
284 | Family Heritage Life of Amer | OH | A+ | NR | |||
285 | Sagicor Life Ins Co | TX | A- | ||||
286 | Automobile Club of Sthrn CA Life | CA | A- | ||||
287 | Shenandoah Life Ins Co | VA | A- | ||||
288 | National Slovak Society of US | PA | NR-5 | ||||
289 | Reliance Standard Life of TX | TX | |||||
290 | Royal Neighbors of America | IL | A- | ||||
291 | Athene Life Ins Co of NY | NY | A | ||||
292 | EMC National Life Co | IA | A- | ||||
293 | American Republic Ins Co | IA | A- | ||||
294 | Lincoln Heritage Life Ins Co | IL | A- | ||||
295 | American Health & Life Ins | TX | B | NR | |||
296 | Catholic United Financial | MN | NR-5 | ||||
297 | Fidelity Security Life Ins Co | MO | A- | ||||
298 | First Catholic Slovak Ladies | OH | A- | ||||
299 | Government Personnel Mutual | TX | A- | ||||
300 | Ozark National Life Ins Co MO | MO | A- | ||||
301 | United Fidelity Life Ins Co | TX | |||||
302 | Auto Club Life Ins Co | MI | A- | ||||
303 | ELCO Mutual Life & Ann | IL | B | ||||
304 | Monarch Life Ins Co | MA | E | ||||
305 | WEA Ins Corporation | WI | |||||
306 | HM Life Ins Co | PA | A- | ||||
307 | AAA Life Ins Co | MI | A- |
308 | Sentinel Security Life Ins Co | UT | B++ | ||||
309 | Investors Life of North Amer | TX | B+ | ||||
310 | Continental American Ins Co | NE | A+ | ||||
311 | Triple-S Vida Inc | PR | B++ | ||||
312 | US Financial Life Ins Co | OH | A | ||||
313 | Farm Bureau Life Ins Co of MO | MO | A- | ||||
314 | Merit Life Ins Co | IN | B | ||||
315 | United Heritage Life Ins Co | ID | A- | ||||
316 | Pacific Beacon Life Reassur | HI | A- | ||||
317 | Guarantee Trust Life Ins Co | IL | B++ | ||||
318 | Manhattan Life Ins Co | NY | B+ | ||||
319 | Cooperativa de Seguros de Vida | PR | C+ | ||||
320 | Pioneer Mutual Life Ins Co | ND | A+ | NR | |||
321 | National Benefit Life Ins Co | NY | A+ | NR | |||
322 | Natl Teachers Assoc Life Ins | TX | A- | ||||
323 | UnitedHealthcare Life Ins Co | WI | A | ||||
324 | New Era Life Ins Co | TX | B++ | ||||
325 | Guaranty Income Life Ins Co | LA | B++ | ||||
326 | American Slovenian Cath Union | IL | NR-5 | ||||
327 | Unimerica Ins Co | WI | A | ||||
328 | Croatian Fraternal Union | PA | NR-5 | ||||
329 | Crown Global Ins Co of America | DE | B++ | ||||
330 | Motorists Life Ins Co | OH | A- | ||||
331 | Educators Life Ins of America | IL | |||||
332 | Mutual Savings Life Ins Co | AL | A- | NR | |||
333 | National Security Life & Ann | NY | A | ||||
334 | First Health Life & Health Ins | TX | A | ||||
335 | Grange Life Ins Co | OH | A- | ||||
336 | Investors Heritage Life Ins Co | KY | B+ | ||||
337 | Bankers Life Ins Co | NC | B | ||||
338 | Constitution Life Ins Co | TX | B | ||||
339 | Everence Association Inc | IN | NR-5 | ||||
340 | Polish Nat’l Alliance of US NA | IL | NR-5 | NR | |||
341 | American Fidelity Life Ins Co | FL | B++ | ||||
342 | Combined Life Ins Co of NY | NY | A+ | ||||
343 | Central States H&L Co of Omaha | NE | A- | ||||
344 | William Penn Association | PA | B++ | ||||
345 | Harleysville Life Ins Co | PA | A- |
346 | Fidelity Life Association | IL | A- | ||||
347 | Settlers Life Ins Co | WI | A- | ||||
348 | National Farm Life Ins Co | TX | B++ | ||||
349 | Central United Life Ins Co | AR | B+ | ||||
350 | First Catholic Slovak Union | OH | |||||
351 | Sons of Norway | MN | NR-5 | ||||
352 | Trans World Assur Co | CA | B++ | ||||
353 | Colorado Bankers Life Ins Co | NC | B++ | NR | |||
354 | Atlantic Coast Life Ins Co | SC | B++ | ||||
355 | Companion Life Ins Co | SC | A+ | ||||
356 | Cotton States Life Ins Co | GA | A- | ||||
357 | Madison Natl Life Ins Co. Inc | WI | A- | ||||
358 | Sunset Life Ins Co of America | MO | A- | ||||
359 | Family Service Life Ins Co | TX | NR | ||||
360 | Chesterfield Reins Co | MO | NR | ||||
361 | Columbian Life Ins Co | IL | B++ | ||||
362 | Best Meridian Ins Co | FL | A- | ||||
363 | Equitable Life & Casualty | UT | B | ||||
364 | LifeSecure Ins Co | MI | NR | ||||
365 | Trustmark Life Ins Co | IL | A- | ||||
366 | COUNTRY Investors Life Assur | IL | A+ | ||||
367 | Church Life Ins Corporation | NY | A- | ||||
368 | Western Fraternal Life Assoc | IA | NR-5 | NR | |||
369 | London Life Reins Co | PA | A | ||||
370 | 5 Star Life Ins Co | LA | A- | ||||
371 | Clear Spring Life Ins Co | TX | NR | ||||
372 | State Mutual Ins Co | GA | B+ | ||||
373 | American-Amicable Life Ins TX | TX | A | NR | |||
374 | Loyal American Life Ins Co | OH | A- | NR | |||
375 | Berkley Life & Health Ins Co | IA | A+ | ||||
376 | Park Avenue Life Ins Co | DE | NR | ||||
377 | Philadelphia American Life Ins | TX | B++ | ||||
378 | Old American Ins Co | MO | A- | ||||
379 | Vantis Life Ins Co | CT | A | ||||
380 | Occidental Life Ins Co of NC | TX | A | NR | |||
381 | Sons of Hermann in Texas | TX | |||||
382 | American Home Life Ins Co | KS | B++ | ||||
383 | United States Letter Carriers | TN | NR-5 | ||||
384 | Capitol Life Ins Co | TX | B++ |
385 | AXA Corporate Solutions Life Re | DE | B+ | ||||
386 | SPJST | TX | B | ||||
387 | Globe Life Ins Co of NY | NY | A+ | ||||
388 | John Alden Life Ins Co | WI | NR | ||||
389 | Unity Financial Life Ins Co | OH | B++ | NR | |||
390 | United Transportation Union | OH | NR | ||||
391 | Time Ins Co | WI | NR | ||||
392 | Unified Life Ins Co | TX | B++ | ||||
393 | Great Southern Life Ins Co | TX | B+ | ||||
394 | American Progressive L&H NY | NY | NR | ||||
395 | Nippon Life Ins Co of Amer | IA | A- | ||||
396 | Slovene National Benefit Soc | PA | NR | ||||
397 | 4 Ever Life Ins Co | IL | A- | ||||
398 | Woman’s Life Ins Society | MI | NR | ||||
399 | National Income Life Ins | NY | A+ | ||||
400 | National Farmers Union Life | TX | B+ |
Company | A.M. Best | S&P | Moody’s | Fitch | Comdex Ranking |
---|---|---|---|---|---|
Northwestern Mutual Life Insurance | A++ | A++ | Aaa | AAA | 100 |
New York Life Insurance Company | A++ | A++ | Aaa | AAA | 100 |
TIAA-CREF | A++ | A++ | Aa1 | AAA | 99 |
Thrivent Financial for Lutherans | A++ | AA+ | 99 | ||
USAA | A++ | AA+ | Aa1 | AA+ | 99 |
MassMutual Life Insurance | A++ | AA+ | Aa2 | AA+ | 98 |
State Farm Life Insurance | A++ | AA | Aa1 | 98 | |
Guardian Life Insurance | A++ | AA+ | Aa2 | AA+ | 98 |
Knights of Columbus Life Insurance | A+ | AA+ | 98 | ||
Allianz Life Insurance Company | A+ | AA | 98 | ||
Great West Life Insurance | A+ | AA | Aa3 | AA | 96 |
Riversource Life Insurance | A+ | AA- | Aa3 | 95 | |
Minnesota Life | A+ | AA- | Aa3 | AA | 95 |
American United Life Insurance Company | A+ | AA- | 95 | ||
Western Southern Life Insurance | A+ | AA- | Aa3 | AA | 95 |
Lafayette Life Insurance | A+ | AA- | AA | 95 | |
Columbus Life Insurance Company | A+ | AA- | Aa3 | AA | 95 |
Companion Life Insurance | A+ | AA- | 95 | ||
Sun Life & Health | A+ | AA- | 95 | ||
Securian Life Insurance Company | A+ | AA- | Aa3 | AA | 95 |
Prudential Life Insurance | A+ | AA- | AA- | 94 | |
Banner Life Insurance Company | A+ | AA- | AA- | 94 | |
William Penn Life Insurance | A+ | AA- | AA- | 94 | |
John Hancock Life Insurance | A+ | AA- | A1 | AA- | 93 |
Pruco Life Insurance | A+ | AA- | A1 | AA- | 93 |
United of Omaha Life Insurance | A+ | AA- | A1 | 93 | |
Mutual of Omaha Life Insurance | A+ | AA- | A1 | 93 | |
Jackson National Life Insurance | A+ | AA- | A1 | AA- | 93 |
Primerica Life Insurance | A+ | AA- | A1 | 93 | |
Lincoln National Life Insurance | A+ | AA- | A1 | A+ | 91 |
Pacific Life Insurance Company | A+ | AA- | A1 | A+ | 91 |
Transamerica Life Insurance | A+ | AA- | A1 | A+ | 91 |
Protective Life Insurance | A+ | AA- | A1 | A+ | 91 |
Penn Mutual Life Insurance | A+ | AA- | Aa3 | 91 | |
American Life Insurance Company | NA | AA- | A1 | 91 | |
United American Life Insurance | A+ | AA- | A+ | 91 | |
Principal Life Insurance | A+ | A+ | A1 | AA- | 90 |
Fidelity Investments Life Insurance | A+ | A+ | 90 | ||
Wilco Life Insurance | A+ | A+ | 90 | ||
Texas Life Insurance Company | A+ | A+ | 90 | ||
Nationwide Life Insurance | A+ | A+ | A1 | 89 | |
Midland National Life Insurance | A+ | A+ | A+ | 89 | |
Allstate Life Insurance | A+ | A+ | A1 | A+ | 88 |
North American Life & Health | A+ | A+ | A+ | 88 | |
MONY Life Insurance | A+ | A+ | A1 | A+ | 88 |
Ohio National Life Insurance | A+ | A | A1 | 87 | |
Anthem Life Insurance Company | A | AA- | A3 | AA- | 84 |
American Family Life Insurance | A | A+ | 82 | ||
Standard Insurance Company | A | A+ | A1 | A | 82 |
Cincinnati Life Insurance Company | A | A+ | A+ | 82 | |
Ameritias Life Insurance | A | A+ | 81 | ||
Brighthouse Life Insurance | A | A+ | 81 | ||
Dearborn National Life Insurance Company | A | A+ | 81 | ||
American General Life Insurance | A | A+ | A2 | A+ | 80 |
Symetra Life Insurance | A | A | A1 | A | 80 |
United States Life Insurance Company | A | A+ | A2 | A+ | 80 |
AXA Equitable Life Insurance | A | A+ | A2 | 79 | |
Great American Life Insurance | A | A+ | A2 | 79 | |
Life Insurance Company of the Southwest | A | A+ | A2 | 79 | |
National Life Insurance | A | A+ | A2 | 79 | |
American National Life Insurance | A | A | 78 | ||
Mutual Trust Life Insurance | A | 78 | |||
Cigna Life Insurance | A | 78 | |||
Members Life Insurance | A | A | 78 | ||
Unum Life Insurance | A | A | A2 | A- | 77 |
ReliaStar Life Insurance | A | A | A2 | A- | 77 |
CMFG Life Insurance | A | A | A2 | 77 | |
Hartford Life & Accident | A | A | A2 | 77 | |
Horace Mann Life Insurance | A | A | A2 | A | 77 |
Provident Life & Accident | A | A | A2 | A | 77 |
Paul Revere Life Insurance Company | A | A | A2 | A | 77 |
Colonial Life & Accident | A | A | A2 | A | 77 |
Accordia Life | A | A- | A | 77 | |
SBLI Life Insurance | A | A- | 74 | ||
Standard Life & Accident | A | A- | 74 | ||
Forethought Life Insurance | A | A- | A3 | A | 73 |
Bankers Life & Casualty Company | A- | BBB+ | A3 | BBB+ | 61 |
Washington National Insurance Company | A- | BBB+ | A3 | BBB+ | 61 |
Colonial Penn Life Insurance | A- | BBB+ | A3 | BBB+ | 61 |
AXA Equitable Life & Annuity | A- | A+ | 61 | ||
Reliable Life Insurance Company | A- | A- | A- | 59 | |
Union National Life Insurance Company | A- | A- | A- | 59 | |
Fidelity & Guaranty Life Insurance | B++ | B+++ | Baa2 | BBB | 53 |
Lincoln Benefit Life Company | A- | B+++ | 53 | ||
Genworth Life Insurance | B+ | B- | Ba3 | BB | 50 |
Hartford Life Insurance Company | B+ | BBB+ | Baa3 | 49 | |
EquiTrust Life Insurance Company | B++ | BBB+ | 41 | ||
Phoenix Life Insurance Company | B | BB | 34 | ||
Modern Woodman of America | A | NA | |||
Southern Farm Bureau Life Insurance | A | NA | |||
COUNTRY Life Insurance Company | A | NA | |||
Farm Bureau Life Insurance Company | A | NA | |||
Sentry Life Insurance Company | A+ | NA | |||
Jefferson National Life Insurance Company | A | NA | |||
Farmers New World Life Insurance Company | A | NA | |||
Americo Financial Life & Annuity | A | NA | |||
Auto-Owners Life Insurance Company | A+ | NA | |||
Gerber Life Insurance Company | A | NA | |||
Union Labor Life Insurance Company | B++ | NA | |||
Kansas City Life Insurance Company | A | NA | |||
Assurity Life Insurance Company | A- | NA | |||
Foresters Life Insurance & Annuity | A | NA | |||
Erie Family Life Insurance Company | A | NA | |||
Physicians Mutual Insurance Company | A | NA | |||
Tennessee Farmers Life Insurance Company | A+ | NA | |||
Federated Life Insurance Company | A+ | NA | |||
Illinois Mutual Life Insurance Company | A- | NA | |||
Boston Mutual Life Insurance Company | A | NA | |||
Alfa Life Insurance Corporation | A | NA | |||
Amica Life Insurance | A+ | NA | |||
Baltimore Life Insurance Company | B++ | NA | |||
Shelter Life Insurance Company | A | NA | |||
Automobile Club of Southern CA Life | A | NA | |||
Sagicor Life Insurance Company | A- | NA | |||
Royal Neighbors of America | A- | NA | |||
Lincoln Heritage Life Insurance Company | A- | NA | |||
EMC National Life Company | A- | NA | |||
Sentinel Security Life Insurance Company | B++ | NA | |||
Auto Club Life Insurance Company | A | NA | |||
AAA Life Insurance Company | A | NA | |||
Vantis Life Insurance Company | A | NA | |||
Settlers Life Insurance Company | A- | NA | |||
Grange Life Insurance Company | A- | NA | |||
Fidelity Life Association | A- | NA | |||
5 Star Life Insurance Company | A- | NA |
以下是美國2019年人壽保險費率最低的公司:
Protective Life Insurance Company AIG Life Insurance Company
Lincoln Financial Pacific Life Insurance Company
Banner Life Insurance Company Prudential Life Insurance Company
Principal Life Insurance SBLI Life Insurance Company
Sagicor Life Insurance Company Penn Mutual Life Insurance Company
Mutual of Omaha Life Insurance Transamerica Life Insurance Company
AXA Equitable
TIAA-CREF Life Insurance Company Ohio National Life Insurance Company
這些保險公司通常的保險費率最低,
以下公司會在2019年為糖尿病患者提供最優惠的人壽保險費率
Prudential Life Insurance Company
這些公司為A1c小於7的糖尿病患者視為標準的健康等級,
世界金融集團(WFG)是一家多層營銷公司,通過分銷商網絡銷售投資,保險和其他金融產品。 WFG在美國,加拿大和波多黎各活躍。 WFG由Aegon的子公司Transamerica擁有。 Aegon和Transamerica是合法的保險公司,但世界金融集團的銷售行為被許多人稱為騙局。 該頁面將幫助詳細說明世界金融集團的一些批評。 然後,您可以自己決定WFG是否是騙局。
Zurich International Underwriting Guidelines
Global Atlantic TL2071 (05-19) Foreign Nationals Highlights
Security Mutual – Foreign National
Prudential Immigrants to the US Highlighter
蒙特梭利學校的好處 一般的 Montessori 私立學校每年可能需要數萬美元或更多的學費。然而,紐約市第一所免費的 Montessori 學校具有多重重要意義。首先,它為許多沒有足夠經濟能力以精英方式撫養孩子的父母提供了一個公平的機會。其次,如果申請就讀這所學校的人數很高,統計數據將向紐約市教育委員會展示,應該投入更多資源在全市建立這樣的學校。 一般的 Montessori 學校學費每年從2萬到4萬美元不等。被錄取到這所學校就像獲得了一張價值20萬美元的免費彩票。這對於許多家庭來說是一個難得的機會,可以讓他們的孩子接受高質量的教育,而無需承擔沉重的經濟負擔。這所免費的 Montessori 學校不僅惠及個別家庭,也為整個社區帶來了積極的影響,為更多孩子提供了接受優質教育的機會。
家庭醫生是照顧整個家庭的醫生。 許多醫生接受專科醫學培訓。然而,家庭醫生接受所有醫學領域的培訓。無論您的年齡或性別如何,他們都會照顧您整個人的各個階段。這包括對您身體、心理和情感健康的關心。家庭醫生會了解他們的病人。他們與您和您的家人建立關懷的關係。他們會傾聽並記錄您的健康史。這有助於他們更好地理解如何幫助您做出有關健康的正確決定。 您的家庭醫生負責診斷和治療急性和慢性疾病。他們還提供常規健康篩查和生活方式改變的諮詢。這有助於在健康問題出現之前預防它們。如果您需要專科醫生的護理,您的家庭醫生會將您轉介給專科醫生。他或她將幫助協調您護理的各個方面。 通往改善健康的道路 每個人都應該有一個家庭醫生,即使他們目前沒有健康問題。家庭醫生接受預防醫學的培訓。預防或避免健康問題比治療或管理健康問題更好。您的家庭醫生可以幫助您和您的家人保持健康。 家庭醫生接受所有護理領域的培訓。 這些包括: 從嬰兒到老年人的護理 慢性疾病,如糖尿病、哮喘和心臟病 耳、鼻、喉護理 心理和行為健康護理 骨骼和關節護理 眼部護理 婦女保健和計劃生育 基本檢測,如X光…
美國醫療保險概覽 在美國,人人皆知醫療保險費用高昂,但擁有醫療保險卻是不可或缺的。由於美國醫療費用更加昂貴,一旦發生意外而沒有保險,你需要支付的醫療費用肯定遠超過保險費用。 然而,美國醫療保險公司眾多,醫療保險計劃更是多達數百上千種。在如此複雜的情況下,該如何選擇適合自己的計劃呢? 在美國,如果你需要自行購買包含必要醫療保障的醫療保險或是奧巴馬醫保,就必須在特定的公開期(Open Enrollment Period)內登記購買。錯過了這個時間,就需要等待下一年。 你可能聽過這樣一個段子:出國在外的人如果在暈倒前還會大叫「千萬別叫救護車」。從這個段子中,你肯定能猜到若沒有保險,美國的醫療費用將有多麼昂貴。 此外,川普總統剛剛頒布了一項新政策:要求申請美國簽證的移民必須證明自己有足夠的經濟能力負擔醫療費用,或已獲得經批准的醫療保險,否則可能會被拒絕入境。 「點看」白卡“公共負擔”新規 醫保公開期(Open Enrollment Period) 什麼是美國醫療保險公開期(Open Enrollment Period)…
2025 最新 - 聯合健康保險/又名牛津醫療保險(包什麼/不包什麼: 更新中)... 如果使用使用以下化驗中心,可以省更多 本文是關於我們對聯合牛津團體醫療保險的全面評價(利與弊),還包含 聯合健保/牛津團體醫保2025計劃詳細信息 聯合健保/牛津團體醫保計劃如何付款 聯合牛津團體醫保計劃申請表(紐約) 聯合牛津團體醫保計劃申請表(康州) 聯合牛津團體醫保計劃(Commonly Used Forms)常用表格 聯合牛津醫保計劃聯繫電話…
聯合牛津臥騰 OptumRx OptumRx 是一家專門提供處方藥物管理和優質藥物照護的美國領先企業。成立於2012年,公司的宗旨是通過提供創新的藥物療法方案和病人支持服務,幫助患者獲得更好的健康狀況。作為一家全面的藥物管理解決方案提供商,OptumRx 致力於為患者提供最佳的價值和滿意度。 OptumRx 的業務範疇廣泛,從處方藥物的審核、採購、分發,到患者教育和藥物療法管理。公司擁有先進的技術和專業的團隊,為客戶提供定制的藥物療法方案,幫助降低醫療成本,提高患者健康。透過與藥品製造商、保險公司和政府機構的合作,OptumRx 確保患者能夠獲得安全、有效和經濟實惠的藥物療法。 在藥物療法管理方面,OptumRx 提供專業的藥師支持,幫助患者了解處方藥物的使用方式和副作用,以確保藥物安全合理地使用。此外,公司還提供藥物治療評估服務,對患者的藥物療法方案進行全面評估,確保其安全性、有效性和成本效益。這些服務不僅有助於改善患者的健康狀況,還可以降低整體醫療成本。 聯合健康保險(UHC)會員,使用OptumRx好處 作為聯合健康保險(United Health Care,簡稱UHC)會員,使用OptumRx可以帶來許多好處。以下是一些主要的優勢: 節省藥物開支:OptumRx與UHC緊密合作,為會員提供優惠的藥物價格。他們通過大量購買、議價和合同簽訂等方式,確保會員能夠以最低價格購買所需的藥物。這有助於降低醫療成本,減輕家庭經濟負擔。…
唱卡拉OK好處多?究竟有咩好處呢? 不少人都喜歡約一大班朋友去唱卡拉OK,開心之餘更能增進彼此之間的感情。但原來除了為我們帶來歡樂,唱K還有很多好處。最重要的是,原來唱歌亦可以幫助減肥。一齊睇下唱K還有什麼好處! 1. 減肥 台灣著名歌唱家蘇麗文在《用生命歌唱》一書中撰文,表示唱歌是一項動用到全身肌肉的運動,正確運用「腹式呼吸法」,能達到減肥功效。以一個重60公斤的人為例,唱一分鐘歌能消耗熱量2千卡,唱兩小時就能消耗240千卡。 而任職醫院院長的福田伴男所著的《卡拉OK健康法》一書,亦提及唱一首歌的氧氣消耗量相當於跑100米所消耗的氧氣,卡路里消耗量亦大致相同。福田院長同時提醒,脂肪燃燒唱歌法唱歌不是用喉嚨大喊大叫,這樣做不但無法達到瘦身效果,還會損及喉嚨,形成息肉,造成反效果。 2.增強免疫力 美國加州大學一項研究發現,每次唱詩班排練後,成員們體內一種名為IgA的免疫球蛋白含量增加了150%。公開演出後,這種免疫球蛋白更是增加了240%。 羅伯特貝克教授對唱歌的作用進行了長期研究,表示壓力會影響人體的免疫系統,如果對自己做的事情感覺良好,免疫系統會增強。即使從來沒有經過聲樂訓練,也能通過唱歌受益。堅持唱歌的老人去醫院看病和吃藥的次數更少,也更不容易摔倒。 3.按摩效果 眾所週知,唱歌能在一定程度上紓解壓力。這是因為唱歌相當於有節奏的體內按摩,能衝開人體橫膈膜。唱較低音的歌曲可以使血壓安定;唱節奏快的歌曲可以令人身心愉悅;而拉長音的歌曲可以消除壓力。另外,放聲高歌對強迫症、抑鬱症的治療都有輔助作用。 4.增進感情 有研究顯示,人在唱歌時,大腦會釋放出一種名為催產素的荷爾蒙。剛生下孩子的媽媽在給寶寶餵奶時,大腦裡也會釋放出這種荷爾蒙。戀人深情互望時,他們的大腦都會釋放出這種荷爾蒙,能增進大家之間的感情。 5.改善便祕 唱歌時運用「腹式呼吸法」,能鍛鍊腹肌,亦可以刺激大腸的蠕動,從而改善便秘。…