Carrier Ratings

Below are the insurance financial strength ratings for Carriers from A.M. Best, Standard & Poor's, Moody's, and Fitch. The ratings apply to each company's financial strength, which measures its ability to pay policyholder claims and obligations.

Carrier Financial Strength Ratings as of July, 2016

A.M. BestStandard & Poor'sMoody'sFitch RatingsComdex*
Partner Carriers
John HancockA+AA-A1AA-92
NationwideA+A+A1NA89
Pacific LifeA+AA-A1A+87
PrudentialA+AA-A1A+90
TIAA-CREF Life Insurance CompanyA++AA+Aa1AAA99
UNUMAAA2A77
Associate Carriers
VOYA - Security Life of DenverAA-A2A77
Lincoln NationalA+AA-A1A+90
SymetraAAA2A77
Specialty Carriers
Sun LifeA+AA-NANA95
Others Carriers
Penn Mutual Life Ins CoA+A+Aa3NA91
American General Life Insurance CoAA+A2A+80
MassMutualA++AA+Aa2AA+80
MetLife Ins Co USAA+A+Aa3AA-92
Minnesota Life Ins CoA+A+Aa3AA92
Transamerica Life InsA+AA-A1AA-95
Guardian LifeA++AA+Aa2AA+98
ZurichAAA3NA75

GARLIKOV & ASSOCIATES, INC. and their agents are presently licensed to sell traditional life insurance in AZ, CA, CO, DE, FL, GA, ID, IL, IN, KY, LA, MA, MI, MN, MO, NC, NJ, NY, OH, OR, PA, TN, VA, WI and WV. Insurance services are limited to residents of the above listed states. *Licenses to other states can be acquired with advance notice

Variable life and annuity products, and/or other securities products, may be sold in AZ, CA, CO, FL, GA, ID, IL, IN, KS, , MA, MI, MN, MO, NC, NJ, NY, OH, , PA, SC, , VA, WA, WI and WV. Securities services are limited to residents of the above listed states. *Licenses to other states can be acquired with advance notice

Proper state registration is mandatory prior to conducting business in any state.

Securities offered through M Holdings Securities, Inc., a registered broker dealer, member FINRA / SIPC. Check the background of this Firm and/or investment professional on FINRA's BrokerCheck.
Investment Advisory Services offered through GARLIKOV ADVISORS, INC.

GARLIKOV & ASSOCIATES, INC. is owned and operated independently from M Holdings Securities, Inc. GARLIKOV & ASSOCIATES, INC. is a member of M Financial Group. Please go to mfin.com and click on "Disclosure Statement" at the bottom of the home page for further details regarding this relationship.