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, MS, NJ, NY, NC, OH, OR, PA, VA, WV and WI. 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, DE, FL, GA, ID, IL, IN, KY, LA, MA, MI, MN, MS, NJ, NY, NC, OH, OR, PA, VA, WV and WI. 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.


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


Securities offered through The Leaders Group, Inc. Member FINRA / SIPC, 26 West Dry Creek Circle, Suite 800, Littleton, CO 80120 tel: (303) 797-9080. Investment Advisory Services Offered through GARLIKOV ADVISORS, INC., a Registered Investment Advisor. THE GARLIKOV COMPANIES is independently owned and operated and is not affiliated with The Leaders Group, Inc. Check the background of this Firm and/or investment professional on FINRA's BrokerCheck.