U.S. Life Insurance Providers Are Well-Positioned For Further Economic Challenges, Executives Say Jun 11

Standard & Poors, June 2011

Abstract
NEW YORK (Standard & Poor's) June 8, 2011--Building on the lessons learned during the financial crisis and economic recession that began in late 2007, U.S. life insurance providers in general look set to pull through any renewed turmoil in good shape, industry executives told attendees at today's Standard & Poor's Ratings Services insurance conference. Michael Fraizer, president and CEO of Genworth Financial Inc., said companies in the sector have refined their enterprise risk management, and their modeling has become more sophisticated because of the recent crisis. "We have a lot more data now in many of the sectors," which makes for better back-testing of models, Mr. Fraizer said, adding that companies are getting better at identifying how "many events can...

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- Baldwin United Corp.
- Combined Insurance Co. of America
- Nationwide Life Insurance Co.
- Reliastar Life Insurance Co.
- Aetna Life Insurance Co.
- Connecticut General Life Insurance Co.
- AXA Equitable Life Insurance Co.
- John Hancock Life Insurance Co.
- Massachusetts Mutual Life Insurance Co.
- Metropolitan Life Insurance Co.
- Minnesota Life Insurance Co.
- MONY Life Insurance Co.
- New York Life Insurance Co.
- Northwestern Mutual Life Insurance Co.
- Penn Mutual Life Insurance Co.
- Prudential Insurance Co. of America
- First Allmerica Financial Life Insurance Co.
- MetLife Insurance Co. of Connecticut
- National Life Insurance Co. (VT)
- Nationwide Life Insurance Co. of America
- Aviva Life and Annuity Co.
- Protective Life Insurance Co.
- Mutual of America Life Insurance Co.
- Hartford Life Insurance Co.
- SunAmerica Life Insurance Co.
- American Life Insurance Co. (DE)
- Executive Life Insurance Co. CA
- Midland National Life Insurance Co.
- Pacific Life Insurance Co.
- Provident Life & Accident Insurance Co.
- Primerica Life Insurance Co.
- Principal Life Insurance Co.
- Reassure America Life Insurance Co.
- Fidelity & Guaranty Life Insurance Co.
- Security Life of Denver Insurance Co.
- Equitable Life Insurance Co. of Iowa
- Lincoln National Life Insurance Co.
- Allstate Life Insurance Co.
- Lincoln Benefit Life Co.
- Continental Assurance Co.
- First Dominion Mutual Life Insurance Co.
- Genworth Life and Annuity Insurance Co.
- Union Labor Life Insurance Co. (Unsolicited Ratings)
- Monarch Life Insurance Co.
- United States Life Insurance Co. in the City of New York
- John Alden Life Insurance Co.
- UNUM Life Insurance Co. of America
- Reliance Standard Life Insurance Co.
- Pruco Life Insurance Co.
- Northbrook Life Insurance Co.
- Surety Life Insurance Co.
- USG Annuity & Life Co.
- Transamerica Occidental Life Insurance Co.
- United American Insurance Co.
- Liberty National Life Insurance Co.
- Reliastar Life Insurance Co. of New York
- Western National Life Insurance Co.
- Presidential Life Insurance Co. (NY)
- Jackson National Life Insurance Co.
- Globe Life & Accident Insurance Co.
- Teachers Insurance & Annuity Association of America
- Integrity Life Insurance Co.
- National Integrity Life Insurance Co.
- First Colony Life Insurance Co.
- Peoples Benefit Life Insurance Co.
- Genworth Life Insurance Co.
- MetLife Life and Annuity Co. of Connecticut
- Variable Annuity Life Insurance Co.
- Sun Life Assurance Co. of Canada (U.S.)
- ING Life Insurance & Annuity Co.
- Union Central Life Insurance Co.
- Ohio National Life Insurance Co.
- Transamerica Life Insurance & Annuity Co.
- Transamerica Advisors Life Insurance Co. of NY
- Security Mutual Life Insurance Co. of NY
- American General Life Insurance Co.
- General American Life Insurance Co.
- Great Southern Life Insurance Co.
- Guardian Life Insurance Co. of America
- Canada Life Insurance Co. of America
- Great-West Life & Annuity Insurance Co.
- Franklin Life Insurance Co.
- Americo Financial Life & Annuity Insurance Co.
- Life Insurance Co. of Georgia
- Symetra Life Insurance Co.
- USAA Life Insurance Co.
- Security Equity Life Insurance Co.
- United of Omaha Life Insurance Co.
- Guardian Insurance & Annuity Co.
- National Western Life Insurance Co.
- Security Benefit Life Insurance Co.
- Canada Life Insurance Co. of New York
- Lutheran Brotherhood
- Bankers United Life Assurance Co.
- Life Investors Insurance Co. of America
- Monumental Life Insurance Co.
- Empire General Life Assurance Corp.
- Transamerica Life Insurance Co.
- Thrivent Financial for Lutherans
- Conseco Insurance Co.
- Independence Life & Annuity Co.
- Transamerica Advisors Life Insurance Co.
- Lincoln Life & Annuity Co. of NY
- Jefferson Pilot Financial Insurance Co.
- New York Life Insurance & Annuity Corp.
- First Penn-Pacific Life Insurance Co.
- State Farm Life Insurance Co.
- American International Life Assurance Co. of New York
- C.M. Life Insurance Co.
- XL Life Insurance and Annuity Co.
- Jefferson-Pilot Life Insurance Co.
- Pruco Life Insurance Co. of New Jersey
- New England Life Insurance Co.
- Sun Life Insurance & Annuity Co. of New York
- John Hancock Variable Life Insurance Co.
- Commonwealth Annuity and Life Insurance Co.: A Goldman Sachs Company
- Penn Insurance & Annuity Co.
- Baltimore Life Insurance Co.
- Thrivent Life Insurance Co.
- All American Life Insurance Co.
- Central National Life Insurance Co. of Omaha
- Paul Revere Life Insurance Co.
- Western and Southern Life Insurance Co.
- Sun Life and Health Insurance Co. (U.S.)
- Ameritas Life Insurance Corp.
- Ohio National Life Assurance Corp.
- Business Men's Assurance Co. of America
- Mid-Continent Pref L
- John Hancock Life Insurance Co. (USA)
- Clarica Life Insurance Co. - U.S.
- Ameritas Variable Life Insurance Co.
- Symetra National Life Insurance Co.
- First Symetra National Life Insurance Co. New York
- Hartford Life & Accident Insurance Co.
- Hartford Life and Annuity Insurance Co.
- Life of Maryland Inc.
- Allstate Life Insurance Co. of New York
- Paragon Life Insurance Co.
- MetLife Investors USA Insurance Co.
- Paul Revere Variable Annuity Insurance Co.
- First Reliance Standard Life Insurance Co.
- Chase Insurance Life Co.
- American General Life Insurance Co. of New York
- CGU Life Insurance Co. of America
- Western-Southern Life Assurance Co.
- Columbus Life Insurance Co.
- Security-Connecticut Life Insurance Co.
- Western Reserve Life Assurance Co. of Ohio
- Colonial Life & Accident Insurance Co.
- Southland Life Insurance Co.
- American General Life & Accident Insurance Co.
- MML Bay State Life Insurance Co.
- UNICARE Life & Health Insurance Co.
- American Mayflower Life Insurance Co. of New York
- SunAmerica Annuity and Life Assurance Co.
- Prudential Annuities Life Assurance Corp.
- Metropolitan Insurance & Annuity Co.
- American United Life Insurance Co.
- Knights of Columbus
- Golden Rule Insurance Co.
- Savings Bank Life Insurance Co. of Massachusetts
- United Investors Life Insurance Co.
- Annuity & Life Reassurance America Inc.
- American General Life Insurance Co. of Delaware
- First Central National Life Insurance Co. of New York
- Genworth Life Insurance Co. of New York
- First UNUM Life Insurance Co.
- Standard Insurance Co.
- Time Insurance Co.
- Union Security Insurance Co.
- Pacific Guardian Life Insurance Co. Ltd.
- Mutual of Omaha Insurance Co.
- Horace Mann Life Insurance Co.
- Phoenix Life Insurance Co.
- Liberty Life Assurance Co. of Boston
- Kansas City Life Insurance Co.
- Vista Life Insurance Co.
- Forethought Life Insurance Co.
- Glenbrook Life & Annuity Co.
- Sunset Life Insurance Co. of America
- Old American Insurance Co.
- AAA Life Insurance Co. (Unsolicited Ratings)
- Abundant Life Insurance Co.
- Acacia Life Insurance Co.
- Acacia National Life Insurance Co.
- Acadian Life Insurance Co.
- Acceleration Life Insurance Co.
- Ministers Life Insurance Co.
- ING Insurance Co. of America
- Afro American Life Insurance Co.
- CSI Life Insurance Co.
- Household Life Insurance Co. of AZ
- Alfa Life Insurance Corp.
- Allied Bankers Life Insurance Co.
- Amalgamated Labor Life Insurance Co.
- Bankers Conseco Life Insurance Co.
- American Bankers Life Assurance Co. of FL
- United Heartland Life Insurance Co.
- American Centurion Life Assurance Co.
- American Chambers Life Insurance Co.
- American Colonial Life Insurance Co.
- American Community Mutual Insurance Co. (Unsolicited Ratings)
- American Educators Life Insurance Co.
- American Enterprise Life Insurance Co.
- American Equitable Life Insurance Co.
- American Family Life Assurance Co. of Columbus
- American Family Life Assurance Co. of NY
- American Family Life Insurance Co.
- American Fidelity Assurance Co. (Unsolicited Ratings)
- American Fidelity Life Insurance Co.
- American Financial Life Insurance Co.
- American Financial Security Life Insurance Co.
- Protective Life and Annuity Insurance Co.
- Sagicor Life Insurance Co.
- American Franklin Life Insurance Co. (The)
- American Guaranty Life Insurance Co.
- AGL Life Assurance Co.
- American Heritage Life Insurance Co.
- American Home Life Insurance Co. (KS)
- American Income Life Insurance Co.
- American Independence Life Insurance Co.
- American Insurance Co. of Texas
- AIG Life Insurance Co. of PR
- American Investors Life Insurance Co. (KS)
- American Investors Life Insurance Co. (AR)
- American Life Assurance Corp.
- American Medical & Life Insurance Co.
- American Merchants Life Insurance Co.
- American National Insurance Co.
- American National Life Insurance Co. of Texas
- American Pioneer Life Insurance Co. (FL)
- American Progressive Life & Health Insurance Co. of NY
- American Protectors Insurance Co.
- American Protectors Life Insurance Co.
- American Public Life Insurance Co. (Unsolicited Ratings)
- American Republic Insurance Co. (Unsolicited Ratings)
- American Reserve Life Insurance Co.
- American Security Life Assurance Co. of FL
- American Security Life Assurance Co. of NC
- American Standard Life & Accident Insurance Co.
- American Sun Life Insurance Co.
- American Teachers Life Insurance Co.
- Senior Health Insurance Co. of Pennsylvania
- American Trustee Life Co. of MN
- American Trustee Life Co. of NE
- American Trustee Life Corp.
- American Underwriters Life Insurance Co. (AZ)
- American Way Life Insurance Co.
- American Western Life Insurance Co.
- American Woodmens Life Insurance Co.
- American-Amicable Life Insurance Co. of Texas
- Americas Life Insurance Co.
- Amica Life Insurance Co.
- AMS Life Insurance Co.
- Andrew Jackson General Insurance Co.
- Andrew Jackson Life Insurance Co.
- Reliance Life Insurance Co.
- Old West Annuity & Life Insurance Co.
- Arizona Life Reinsurance Co.
- Atlantic & Pacific Life Insurance Co. of America
- Atlantic General Life Insurance Co.
- Atlantic Southern Insurance Co.
- First AUSA Life Insurance Co.
- Auto Club Life Insurance Co. (Unsolicited Ratings)
- Auto-Owners Life Insurance Co. (Unsolicited Ratings)
- Balboa Life Insurance Co.
- Bankers Commercial Life Insurance Co.
- Bankers Credit Life Insurance Co.
- Bankers Fidelity Life Insurance Co.
- Bankers Life & Casualty Co.
- Aviva Life & Annuity Co. of New York
- Bankers National Life Insurance Co.
- Banner Life Insurance Co.
- Beneficial Life Insurance Co.
- Benefit Life Insurance Co.
- Trustmark Insurance Co. (Unsolicited Ratings)
- Best Meridian Insurance Co.
- Bonneville Life Insurance Co.
- Booker T. Washington Insurance Co.
- ULLICO Life Insurance Co.
- CGU Life Insurance Co. of NY
- California Benefit Life Insurance Co.
- California Life Insurance Co.
- California Pacific Life Insurance Co.
- CPIC Life Insurance Co.
- Cameron Life Insurance Co.
- Conseco Health Insurance Co.
- Capitol Life Insurance Co.
- Annuity Investors Life Insurance Co.
- Celtic Insurance Co.
- Centennial Life Insurance Co.
- Central Benefits National Life Insurance Co.
- Central Investors Life Insurance Co.
- Central Life Insurance Co.
- Central Life Insurance Co. of FL
- Central Reserve Life Insurance Co.
- Central States Health & Life Co. of Omaha (Unsolicited Ratings)
- Central United Life Insurance Co.
- American Equity Investment Life Insurance Co.
- CUNA Mutual Life Insurance Co.
- Chesapeake Life Insurance Co.
- Prudential Retirement Insurance and Annuity Co.
- Cincinnati Equitable Life Insurance Co.
- Cincinnati Life Insurance Co.
- Citizens Security Life Insurance Co.
- Aetna Health Insurance Co. of Connecticut
- Coastal States Life Insurance Co.
- Colonial American Life Insurance Co.
- John Hancock Life & Health Insurance Co.
- Colonial Penn Life Insurance Co.
- Colony Charter Life Insurance Co.
- Colorado Bankers Life Insurance Co.
- Columbia Life Insurance Co.
- Columbian Life Insurance Co.
- Columbian Mutual Life Insurance Co.
- Combined Life Insurance Co. of NY
- Combined Underwriters Life Insurance Co.
- Fremont Life Insurance Co.
- Commodore Life Insurance Co.
- Commonwealth Dealers Life Insurance Co.
- Companion Life Insurance Co. (NY)
- Conger Life Insurance Co.
- Conseco Medical Insurance Co.
- Consolidated Bankers Life Insurance Co. of LA
- Consolidated Benefit Health Insurance Co.
- Consolidated National Life Insurance Co.
- Consumers United Insurance Co.
- Continental Bankers Life Insurance Co. of the South
- Continental General Insurance Co.
- Continental Life Insurance Co. of Brentwood
- Continental Security Life Insurance Co.
- Continental Trust Life Insurance Co.
- EquiTrust Life Insurance Co.
- Cooperants Mutual Life Insurance Society
- Cooperativa de Seguros de Vida de Puerto Rico
- Corporate Life Insurance Co.
- Cotton States Life Insurance Co.
- Country Investors Life Assurance Co. (Unsolicited Ratings)
- Country Life Insurance Co. (Unsolicited Ratings)
- Covenant American Life Insurance Co.
- Credit Life Corp. of America
- MEMBERS Life Insurance Co. (WI)
- CUNA Mutual Insurance Society
- General Life Insurance Co.
- Deseret Mutual Insurance Co. (Unsolicited Ratings)
- Diamond Benefits Life Insurance Co.
- Directors Life Assurance Co.
- Dobco Life Insurance Co.
- Doctors Life Insurance Co. (Unsolicited Ratings)
- EBL Life Insurance Co.
- Eastern Life & Health Ins. (Unsolicited Ratings)
- Employees Life Co. Mutual
- Employers Equitable Life Insurance Co.
- Employers Life Insurance Co.
- Employers Modern Life Co.
- Conestoga Life Assurance Co.
- Equitable Life & Casualty Insurance Co. (Unsolicited Ratings)
- AXA Life and Annuity Co.
- Erie Family Life Insurance Co. (Unsolicited Ratings)
- Excalibur Life Insurance Co.
- Fairlane Life Insurance Co.
- Citicorp Life Insurance Co.
- First Citicorp Life Insurance Co.
- Family Heritage Life Insurance Co. of America
- Family Service Life Insurance Co.
- Farm & Home Life Insurance Co.
- Farm & Ranch Life Insurance Co.
- Farm Bureau Life Insurance Co.
- Farm Bureau Life Insurance Co. of MI (Unsolicited Ratings)
- Farmers & Ranchers Life Insurance Co.
- Farmers & Traders Life Insurance Co. (Unsolicited Ratings)
- Farwest American Assurance Co.
- Chase Insurance Life and Annuity Co.
- Federal Life Insurance Co. (Mutual)
- Federated Life Insurance Co. (Unsolicited Ratings)
- Fidelity Investments Life Insurance Co.
- Fidelity Life Insurance Co.
- Fidelity Mutual Life Insurance Co.
- Fidelity Security Life Insurance Co. (Unsolicited Ratings)
- LifeUSA Insurance Co. (MN)
- Financial Assurance Life Insurance Co.
- Financial Benefit Life Insurance Co.
- Financial Security Life of LA
- MedAmerica Insurance Co. of New York
- Fireside Commercial Life Insurance Co.
- First Alexander Hamilton Life Insurance Co.
- First Citizens Life Insurance Co.
- First Columbia Life Insurance Co.
- First Farwest Life Insurance Co.
- First Fidelity Life Insurance Co.
- First Fidelity Life Insurance Co.
- Park Avenue Life Insurance Co.
- First Investors Life Insurance Co. (Unsolicited Ratings)
- First National Life Insurance Co.
- First National Life Insurance Co. of America
- The First Rehabilitation Life Insurance Co. of America
- First Sunamerica Life Insurance Co.
- First Transcontinental Life Insurance Corp.
- Florida Combined Life Insurance Co. Inc.
- Employers Life Insurance Corp.
- Dearborn National Life Insurance Co.
- Lifeguard Life Insurance Co.
- Frandisco Life Insurance Co.
- Franklin American Life Insurance Co.
- Freedom Life Insurance Co. of America
- Funeral Directors Life Insurance Co.
- G Insurance Co., Insurance Co.
- Galaxia Life Insurance Co.
- Garden State Life Insurance Co.
- Great American Life Assurance Co. of Puerto Rico
- General Life & Accident Insurance Co.
- George Washington Life Insurance Co.
- George Washington Life Insurance Co. of CA
- Georgia Life & Health Insurance Co.
- Gerber Life Insurance Co. (Unsolicited Ratings)
- Germania Life Insurance Co.
- Gibson National Life Insurance Co.
- ING U.S. Annuity and Life Insurance Co.
- Golden State Mutual Life Insurance Co.
- Government Personnel Mutual Life Insurance Co. (Unsolicited Ratings)
- Grange Life Insurance Co. (Unsolicited Ratings)
- Great American Life Insurance Co. (OH)
- Great Lakes American Life Insurance Co.
- Great Southwest Life Insurance Co.
- Great Western Insurance Co. (UT)
- Great Western Life Insurance Co.
- Settlers Life Insurance Co. (Unsolicited Ratings)
- Guarantee Reserve Life Insurance Co.
- Guarantee Security Life Insurance Co.
- Guarantee Trust Life Insurance Co. (Unsolicited Ratings)
- Guaranty Income Life Insurance Co.
- Guardian American Life Insurance Co.
- Gulf Atlantic Life Insurance Co.
- Household Life Insurance Co.
- Hermitage Health & Life Insurance Co.
- Alta Health & Life Insurance Co.
- Home Owners Life Insurance Co.
- Homesteaders Life Co. (Unsolicited Ratings)
- Hopkins Life Insurance Co.
- RiverSource Life Insurance Co.
- RiverSource Life Insurance Co. of New York
- Illinois Mutual Life Insurance Co.
- Independent Security Life Insurance Co.
- Indiana Southern Life Insurance Co.
- Indianapolis Life Insurance Co.
- Individual Assurance Co. Life Health & Accident
- Integrated Resources Life Insurance Co.
- Inter-American Insurance Co. of IL
- International Financial Services Life Insurance Co.
- International Security Life Insurance Co.
- Investment Life Insurance Co. of America
- Investors Equity Life Insurance Co. of Hawaii Ltd.
- Investors Heritage Life Insurance Co.
- Brokers National Life Assurance Co.
- Stonebridge Life Insurance Co.
- Jericho Life Insurance Co., Inc.
- Justice Life Insurance Co.
- Zurich American Life Insurance Co.
- Kent Life Insurance Co.
- Key Bank Life Insurance Ltd.
- Key Life Insurance Co. Inc.
- Kilpatrick Life Insurance Co. of LA
- Knickerbocker Life Insurance Co.
- Advance Insurance Co.
- Louisiana Life Insurance Co., Inc.
- Lafayette Life Insurance Co.
- Lee National Life Insurance Co. of LA
- Legacy Life Insurance Co.
- Legal Protective Life Insurance Co.
- Liberty Life Insurance Co.
- Life & Health Insurance Co. of America
- Life Assurance Co. of PA
- Life General Security Insurance Co.
- Life Insurance Co. of Alabama
- Life Insurance Co. of America
- Life Insurance Co. of the South
- Life Insurance Co. of the Southwest
- Lincoln Heritage Life Insurance Co. (Unsolicited Ratings)
- Life of Florida Insurance Co.
- Life of Indiana Insurance Co.
- Life Protection Insurance Co.
- Life Savings Assurance Co. of America
- Lifeline Underwriters Life Insurance Co.
- Lincoln American Life Insurance Co.
- Lincoln Mutual Life & Casualty Insurance Co.
- Lincoln Direct Life Insurance Co.
- Lincolnwood National Life Insurance Co.
- London Pacific Life & Annuity Co.
- Louisiana Independent Life Insurance Co.
- Louisiana Life Insurance Co.
- Louisiana Security Insurance Co.
- Lumbermens Life Insurance Co.
- Madison National Life Insurance Co. Inc. (Unsolicited Ratings)
- American Modern Life Insurance Co.
- Mark Twain Life Insurance Corp.
- Centre Life Insurance Co.
- Conseco Life Insurance Co.
- Maxicare Life & Health Insurance Co.
- Medical Benefits Mutual Life Insurance Co.
- Medical Life Insurance Co.
- MEGA Life & Health Insurance Co.
- Memorial Insurance Co. of America
- Memorial Service Life Insurance Co.
- Merit Life Insurance Co.
- Mid America Assurance Co. of LA
- Mid America Life Assurance Co.
- Mid-West National Life Insurance Co. of TN
- Liberty Bankers Life Insurance Co.
- Midland Life Insurance Co. (The)
- Midwest International Life Insurance Co.
- Midwest Life Insurance Co.
- Midwestern Life Insurance Co.
- Midwestern United Life Insurance Co.
- Milwaukee Life Insurance Co.
- MIMLIC Life Insurance Co.
- Guarantee Protective Life Co.
- Missouri National Life Insurance Co.
- Modern Pioneers Life Insurance Co.
- MONY Life Insurance Co. of America
- Motorists Life Insurance Co. (Unsolicited Ratings)
- Mount Hood Pension Insurance Co.
- Municipal Insurance Co. of America
- Mutual of Detroit Insurance Co.
- Mutual Savings Life Insurance Co.
- Mutual Service Life Insurance Co. (Unsolicited Ratings)
- MTL Insurance Co.
- Nanseekay Life Insurance Co.
- National Affiliated Investors Life Insurance Co.
- National Alliance Life Insurance Co.
- National American Life Insurance Co. of PA
- National Benefit Life Insurance Co.
- National Equity Life Insurance Co.
- National Family Care Life Insurance Co.
- National Farm Life Insurance Co.
- National Farmers Union Life Insurance Co.
- National Financial Insurance Co.
- National Guardian Life Insurance Co. (Unsolicited Ratings)
- National Health Insurance Co.
- National Heritage Insurance Co. (TX)
- National Heritage Life Insurance Co.
- National Investors Life Insurance Co.
- National Investors Pension Insurance Co.
- National Life Insurance Co.
- American Partners Life Insurance Co.
- National Republic Life Insurance Co.
- National Savings Life Insurance Co.
- National States Insurance Co.
- National Travelers Life Co.
- National Union Life Insurance Co.
- Navajo Life Insurance Co.
- Penn Treaty Network America Insurance Co.
- New Era Life Insurance Co. (Unsolicited Ratings)
- New Jersey Life Insurance Co.
- North American Co. for Life & Health Insurance
- Allianz Life Insurance Co. of North America
- North Carolina Mutual Life Insurance Co.
- North Central Life Insurance Co.
- North Coast Life Insurance Co.
- Northwestern Security Life Insurance Co.
- Occidental Life Insurance Co. of NC
- Oklahoma Bankers Life Insurance Co.
- Old Faithful Life Insurance Co.
- Old Republic Life Insurance Co.
- Great American Life Insurance Co. of New York
- Old Southern Life Insurance Co.
- Old Southwest Life Insurance Co.
- Old Standard Life Insurance Co.
- Old United Life Insurance Co.
- Aetna Health Insurance Co.
- Oxford Health Insurance Inc.
- Ozark National Life Insurance Co. (AR)
- Ozark National Life Insurance Co. (MO)
- Pacific Standard Life Insurance Co.
- Patriot Life Insurance Co.
- Pekin Life Insurance Co. (Unsolicited Ratings)
- PEMCO Life Insurance Co.
- Pennsylvania Life Insurance Co.
- Pharmacists Life Insurance Co.
- Physicians Life Insurance Co.
- Physicians Mutual Insurance Co.
- Piedmont Insurance Co.
- Pilgrim Life Insurance Co.
- Pioneer American Insurance Co.
- Pacific Life & Annuity Co.
- American Memorial Life Insurance Co.
- Allianz Life Insurance Co. of New York
- GuideOne Life Insurance Co.
- Professional Benefits Insurance Co.
- Progressive Mutual Life Insurance Co.
- Protected Home Mutual Life Insurance Co.
- Franklin Protective Life Insurance Co.
- Provident American Insurance Co.
- Provident Indemnity Life Insurance Co.
- Nationwide Life & Annuity Co. of America
- Public Investors Life Insurance Co.
- Pyramid Life Insurance Co.
- Quaker Life Insurance Co.
- Regent Life Insurance Co.
- Reliable Life Insurance Co. (MO)
- Republic American Life Insurance Co.
- Reserve National Insurance Co.
- SCOR Global Life Reinsurance Co. of America Inc.
- Rumford Life Insurance Co.
- S&H Life Insurance Co.
- S&H Life Insurance Co. of AZ
- Phoenix Life and Annuity Co.
- Savings Life Insurance Co.
- Security General Life Insurance Co.
- Security Financial Life Insurance Co.
- American General Life Insurance Co. of PA
- Security Southwest Life Insurance Co.
- Selected Funeral & Life Insurance Co.
- Senate Insurance Co.
- Senior Security Life Insurance Co.
- Sentinel American Life Insurance Co.
- Health Net Life Insurance Co. (Old)
- IL Annuity
- Sentry Life Insurance Co. (Unsolicited Ratings)
- Sentry Life Insurance Co. of NY (Unsolicited Ratings)
- MMA Insurance Co.
- Shelter Life Insurance Co. (Unsolicited Ratings)
- Shenandoah Life Insurance Co.
- Sierra Life Insurance Co.
- Southern Farm Bureau Life Insurance Co. (Unsolicited Ratings)
- Southern General Life Insurance Co. of TX
- Southern Security Life Insurance Co.
- Southland National Insurance Corp.
- Southwest American Insurance Co.
- Southwest Physicians Life Insurance Co.
- Sovereign Life Insurance Co.
- Standard Life & Accident Insurance Co.
- Standard Life & Casualty Insurance Co.
- Standard Security Life Insurance Co. of NY (Unsolicited Ratings)
- State Farm Life & Accident Assurance Co.
- State Life Insurance Co.
- State Life Insurance Fund
- State Mutual Insurance Co. (GA)
- States General Life Insurance Co.
- Statesman National Life Insurance Co.
- Summit National Life Insurance Co.
- Supreme Life Insurance Co. of America
- Surety Mutual Life & Casualty Co.
- Tandy Life Insurance Co.
- Tennessee Farmers Life Insurance Co. (Unsolicited Ratings)
- Texas Central Life Insurance Co.
- Texas Consumer Life Insurance Co.
- Texas Directors Life Insurance Co.
- Texas Investors Life Insurance Co.
- OM Financial Life Insurance Co. of NY
- Tower Life Insurance Co. (Unsolicited Ratings)
- Trans-Oceanic Life Insurance Co.
- Aurora National Life Assurance Co. (Unsolicited Ratings)
- MedAmerica Insurance Co.
- Trustmark Life Insurance Co. (Unsolicited Ratings)
- Twentieth Century Life Insurance Co.
- U S Bankers Life Insurance Co.
- Underwriters Life Insurance Co.
- New Era Life Insurance Co. of the Midwest (Unsolicited Ratings)
- Provident American Life & Health Insurance
- Union National Life Insurance Co. (LA)
- Union Standard of America Life Insurance Co.
- Unison International Life Insurance Co.
- United Farm Family Life Insurance Co. (Unsolicited Ratings)
- United Fidelity Life Insurance Co.
- United Heritage Life Insurance Co.
- United Insurance Co. of America
- United Liberty Life Insurance Co.
- United Life Insurance Co.
- United Life of North America
- United Republic Life Insurance Co.
- United Security L&H (Unsolicited Ratings)
- United Wisconsin Life Insurance Co.
- United World Life Insurance Co.
- Unity Mutual Life Insurance Co.
- Universal Life Insurance Co.
- Universal Security Life Insurance Co.
- Universe Life Insurance Co.
- University Life Insurance Co. of America
- U.S. Financial Life Insurance Co. (Unsolicited Ratings)
- Aetna Health Insurance Co. of New York
- USAble Life
- American General Assurance Co.
- USLife Credit Life Insurance Co. of AZ
- Utica National Life Insurance Co. (Unsolicited Ratings)
- HCC Life Insurance Co.
- Wabash Life Insurance Co.
- Washington National Insurance Co.
- Columbian Family Life Insurance Co.
- First MetLife Investors Insurance Co.
- WEA Insurance Corp. (Unsolicited Ratings)
- West Coast Life Insurance Co.
- Western Heritage Life Insurance Co.
- Great American Life Assurance Co.
- Western Mutual Insurance Co. (UT)
- Dentegra Insurance Co.
- Western United Life Assurance Co.
- William Penn Life Insurance Co. of NY
- Benicorp Insurance Co.
- World Life & Health Insurance Co. of PA
- Lincoln Memorial Life Insurance Co.
- Your Family Insurance Co.
- Dixie Life Insurance Co. Inc.
- Evangeline Life Insurance Co. Inc.
- First Connecticut Life Insurance Co.
- Lafourche Life Insurance Co.
- Mothe Life Insurance Co.
- Northstar Life Insurance Co.
- American Phoenix Life & Reassurance Co.
- Vantis Life Insurance Co. (Unsolicited Ratings)
- Schoen Life Insurance Co., Inc.
- Senate National Life Insurance
- Anthem Blue Cross Life & Health Insurance Co.
- Peoples Progressive Burial Insurance Co.
- Transamerica Financial Life Insurance Co.
- Sun Life Assurance Co. of Canada (U.S. branch)
- Woodmen of the World Life Insurance Society and/or Omaha Woodmen Life Insurance Society
- Berkshire Hathaway Life Insurance Co. of NE
- American Maturity Life Insurance Co.
- PHL Variable Insurance Co.
- Ameritas Life Insurance Corp of New York
- Paul Revere Protective Life Insurance Co.
- First Security Benefit Life Insurance and Annuity Co. of New York
- Family Guaranty Life Insurance Co. Inc.
- Heritage National Insurance Co.
- MetLife Investors Insurance Co. (CA)
- MetLife Investors Insurance Co.
- FBL Financial Group Inc.
- Nationwide Life & Annuity Insurance Co.
- Arbella Life & Health Insurance Co. Inc.
- Empire Fidelity Investments Life Insurance Co.
- Anthem Health & Life Insurance Co. of NY
- John Hancock Life Insurance Co. of New York
- Forest Investors Life & Health Insurance
- Reliable Life Insurance Co. of TX
- Amil International Insurance Co.
- TIAA-CREF Life Insurance Co.
- Jackson National Life Insurance Co. of New York
- USAA Life Insurance Co. of New York
- Great-West Life & Annuity Insurance Company of New York
- Northwestern Long Term Care Insurance Co.
- Supreme Home of the Progressive Order of Pilgrims
- Life Insurance Co. of Alaska
- ConnectiCare of Massachusetts Inc.
- American Unified Life & Health Co.
- Benton Life Insurance Co. Inc.
- Canada Life Assurance Co. (U.S. branch)
- Great-West Life Assurance Co. (U.S. Branch)
- Montana Benefits and Life Co.
- Lion Connecticut Holdings Inc.
- Good Samaritan Life Insurance Co.
- Colonial Insurance Co.
- Genworth Financial Inc.
- ACA Insurance Co. (Unsolicited Ratings)
- Symetra Financial Corp.
- American General Assignment Services Trust
- Ultimed HMO of Michigan Inc.
- Securian Life Insurance Co.
- Universal Health Care Insurance Co. Inc.
- Dearborn National Life Insurance Co. of New York
- American Interstate Ins Co. of TX (Unsolicited Ratings)
- MedAmerica Insurance Co. of Florida
- Principal National Life Insurance Co.
- Berkshire Life Insurance Co. of America

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