U.S. Life Insurance 2012 Outlook: Solid Capital And Liquidity Support A Stable Outlook In The Face Of Macroeconomic Headwinds Nov 11

Standard & Poors, November 2011

Abstract
Standard & Poor's Ratings Services is maintaining its stable ratings outlook on the U.S. life insurance industry. Standard & Poor's industry outlook reflects our expectation of the prospective balance of upgrades and downgrades. The stable outlook reflects our expectation of continued strong capital and liquidity, and moderate investment portfolio losses. Nevertheless, Standard & Poor's continues to monitor the macroeconomic headwinds facing life insurers, including low interest rates and equity market volatility. Such sustained conditions are likely to result in an increase in negative rating outlooks for individual insurers during 2012. We do not expect to downgrade many life insurance companies as we enter 2012, unless we lower the U.S. sovereign rating (AA+/Negative/A-1+). A one-notch downgrade of the U.S. would, however,...

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- SunAmerica Financial Group Inc.
- Commonwealth General Corp.
- Combined Insurance Co. of America
- Equitable of Iowa Cos.
- Insurance Co. of North America
- Kemper Corp. (Old)
- Lincoln National Corp.
- Nationwide Life Insurance Co.
- New England Mutual Life Insurance Co.
- Reliastar Life Insurance Co.
- Protective Life Corp.
- Torchmark Corp.
- Transamerica Corp.
- Connecticut General Life Insurance Co.
- John Hancock Life Insurance Co.
- Massachusetts Mutual Life Insurance Co.
- Metlife Funding Inc.
- Metropolitan Life Insurance Co.
- MONY Life Insurance Co.
- New York Life Insurance Co.
- Northwestern Mutual Life Insurance Co.
- Penn Mutual Life Insurance Co.
- Prudential Funding LLC
- Prudential Insurance Co. of America
- First Allmerica Financial Life Insurance Co.
- National Life Insurance Co. (VT)
- Nationwide Life Insurance Co. of America
- Aviva Life and Annuity Co.
- Kentucky Central Life Insurance Co.
- Monarch Capital Corp.
- Protective Life Insurance Co.
- Mutual of America Life Insurance Co.
- Hartford Life Insurance Co.
- American Life Insurance Co. (DE)
- CNO Financial Group Inc.
- Executive Life Insurance Co. CA
- Pacific Life Insurance Co.
- Provident Life & Accident Insurance Co.
- United States of America (Unsolicited Ratings)
- Primerica Life Insurance Co.
- Principal Life Insurance Co.
- Insurance Co. of the State of Pennsylvania
- Reassure America Life Insurance Co.
- Fidelity & Guaranty Life Insurance Co.
- First Capital Holdings Corp.
- Equitable Life Insurance Co. of Iowa
- Lincoln National Life Insurance Co.
- Allstate Life Insurance Co.
- Lincoln Benefit Life Co.
- Presidential Life Corp.
- First Dominion Mutual Life Insurance Co.
- Union Labor Life Insurance Co. (Unsolicited Ratings)
- Fidelity & Casualty Co. of New York
- Valley Forge Insurance Co.
- First Variable Life Insurance Co.
- Monarch Life Insurance Co.
- Southwestern 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.
- Transamerica Occidental Life Insurance Co.
- United American Insurance Co.
- Liberty National Life Insurance Co.
- Reliastar Life Insurance Co. of New York
- Presidential Life Insurance Co. (NY)
- Delphi Financial Group Inc.
- Republic Indemnity Co. of America
- ReliaStar Financial Corp.
- Jackson National Life Insurance Co.
- Teachers Insurance & Annuity Association of America
- Integrity Life Insurance Co.
- National Integrity Life Insurance Co.
- First Colony Life Insurance Co.
- Genworth Life Insurance Co.
- Variable Annuity Life Insurance Co.
- ING Life Insurance & Annuity Co.
- Union Central Life Insurance Co.
- Ohio National Life Insurance Co.
- Fort Wayne Health & Casualty Insurance Co.
- Transamerica Life Insurance & Annuity Co.
- Transamerica Advisors Life Insurance Co. of NY
- Security Mutual Life Insurance Co. of NY
- General American Life Insurance Co.
- Guardian Life Insurance Co. of America
- Canada Life Insurance Co. of America
- Great-West Life & Annuity Insurance Co.
- Americo Financial Life & Annuity Insurance Co.
- Symetra Life Insurance Co.
- USAA Life Insurance Co.
- Security Equity Life Insurance Co.
- Guardian Insurance & Annuity Co.
- National Western Life Insurance Co.
- Security Benefit Life Insurance Co.
- Canada Life Insurance Co. of New York
- Nutmeg Life Insurance Co.
- Monumental Life Insurance Co.
- Empire General Life Assurance Corp.
- Transamerica Life Insurance Co.
- UBS PaineWebber Life Insurance Co.
- Conseco Insurance Co.
- Fidelity & Deposit Co. of Maryland
- Independence Life & Annuity Co.
- Manufacturers Life Insurance Co. of America
- Jefferson Pilot Financial Insurance Co.
- New York Life Insurance & Annuity Corp.
- Delta Life & Annuity Co.
- American International Life Assurance Co. of New York
- Highmark Life Insurance Co.
- XL Life Insurance and Annuity Co.
- Jefferson-Pilot Life Insurance Co.
- Northern Life Insurance Co.
- Rush Prudential Insurance Co.
- Pruco Life Insurance Co. of New Jersey
- New England Life Insurance Co.
- John Hancock Variable Life Insurance Co.
- Commonwealth Annuity and Life Insurance Company
- Penn Insurance & Annuity Co.
- Baltimore 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
- John Hancock Life Insurance Co. (USA)
- Clarica Life Insurance Co. - U.S.
- Ameritas Variable Life Insurance Co.
- Hartford Life and Annuity Insurance Co.
- Northbrook Indemnity Co.
- Allstate Life Insurance Co. of New York
- Paragon Life Insurance Co.
- Paul Revere Variable Annuity Insurance Co.
- CGU Life Insurance Co. of America
- Texas Pacific Indemnity Co.
- Columbus Life Insurance Co.
- Southland Life Insurance Co.
- Old Line Life Insurance Co. of America
- MML Bay State Life Insurance Co.
- Fidelity Life Insurance Co. (PA)
- American Mayflower Life Insurance Co. of New York
- SunAmerica Annuity and Life Assurance Co.
- Metropolitan Insurance & Annuity Co.
- American United Life Insurance Co.
- Knights of Columbus
- 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.
- Security Life Insurance Co. of America (MN)
- Congress Life Insurance Co.
- United Life and Annuity Insurance Co.
- Time Insurance Co.
- Union Security Life Insurance
- Pacific Guardian Life Insurance Co. Ltd.
- Mutual of Omaha Insurance Co.
- Teachers Insurance Co.
- Horace Mann Life Insurance Co.
- Phoenix Life Insurance Co.
- Reciprocal of America
- Liberty Life Assurance Co. of Boston
- Kansas City Life Insurance Co.
- Pacific Insurance Co. Ltd.
- Sage Life Assurance Co. of America Inc.
- Forethought Life Insurance Co.
- Glenbrook Life & Annuity Co.
- Great American Financial Resources Inc.
- Sunset Life Insurance Co. of America
- Old American Insurance Co.
- Abraham Lincoln Insurance Co.
- Abundant Life Insurance Co.
- Acacia Life Insurance Co.
- Acacia National Life Insurance Co.
- Academy Life Insurance Co.
- Acadian Life Insurance Co.
- Acceleration Life Insurance Co.
- American Farm Life Insurance Co.
- CSI Life Insurance Co.
- Alfa Life Insurance Corp.
- Algonquin Life Insurance Co.
- All Savers Insurance Co.
- Hart Life Insurance Co.
- Amalgamated Labor Life Insurance Co.
- Amalgamated Life & Health Insurance Co.
- Amalgamated Life Insurance Co.
- Ambassador Life Insurance Co.
- Bankers Conseco Life Insurance Co.
- American Bankers Life Assurance Co. of FL
- United Heartland Life Insurance Co.
- Keyport Benefit Life Insurance Co.
- American Capital Life Insurance Co.
- American Capital Insurance Co.
- American Century Life Insurance Co. (OK)
- American Chambers Life Insurance Co.
- American Colonial Life Insurance Co.
- American Community Mutual Insurance Co. (Unsolicited Ratings)
- American Consumers Life Insurance Co.
- American Creditors Life Insurance Co.
- MAMSI Life & Health Insurance Co.
- American Educators Life Insurance Co.
- American Equitable Life Insurance Co.
- American Exchange Life Insurance Co.
- American Family Life Assurance Co. of Columbus
- American Family Life Assurance Co. of NY
- American Family Life Insurance Co.
- American Federated Life Insurance Co.
- American Fidelity Life Insurance Co.
- American Financial Life Insurance Co.
- American Financial Life Insurance Co. (TX)
- American Financial Security Life Insurance Co.
- Sagicor Life Insurance Co.
- American Funeral Plan & Life Insurance Co.
- American Home Life Insurance Co. (KS)
- American Home Life Insurance Co. (AR)
- American Independence Life Insurance Co.
- American Industries Life Insurance Co.
- AIG Life Insurance Co. of PR
- American Investors Life Insurance Co. (KS)
- American Investors Life Insurance Co. (AR)
- American Life & Accident Insurance Co. of KY
- American Life & Health Insurance Co.
- American Life Assurance Corp.
- American Life Insurance Co. (IL)
- American Medical & Life Insurance Co.
- American Pioneer Life Insurance Co. (FL)
- American Progressive Life & Health Insurance Co. of NY
- Southern Pioneer Life Insurance Co.
- American Public Life Insurance Co. (Unsolicited Ratings)
- American Republic Insurance Co. (Unsolicited Ratings)
- American Reserve Life Insurance Co.
- Texas Burial Life Insurance Co.
- Healthy Alliance Life Insurance Co.
- American Travelers Assurance Co.
- Senior Health Insurance Co. of Pennsylvania
- American Underwriters Life Insurance Co. (AZ)
- American Vanguard Life Insurance Co.
- American Western Life Insurance Co.
- American-Amicable Life Insurance Co. of Texas
- Arbor Life Insurance Co.
- Reliance Life Insurance Co.
- Magna Insurance Co. (MS)
- Old West Annuity & Life Insurance Co.
- Ashley Life Insurance Co.
- Associated American Mutual Life Insurance Co.
- Associated Mutual Hosp. Service of MI
- Associates Financial Life Insurance Co. of Nevada
- Associates Financial Life Insurance Co. of Texas
- Associates Financial Life Insurance Co.
- Assumption Mutual Life Insurance Co. (U.S. Branch)
- Atlanta Life Insurance Co. (Unsolicited Ratings)
- Atlantic Coast 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)
- First Command 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 Life Insurance Co. of America
- Bankers Life Insurance Co. of FL
- Bankers Reserve Life Insurance Co.
- Cariten Insurance Co.
- Banner Life Insurance Co.
- Best Life & Health Insurance Co. (TX)
- Best Meridian Insurance Co.
- ULLICO Life Insurance Co.
- Brazos Security Life Insurance Co.
- Brooke Life Insurance Co.
- Benefit Capital Life Insurance Co.
- California Pacific Life Insurance Co.
- CPIC Life Insurance Co.
- Capital Reserve Life Insurance Co.
- Conseco Health Insurance Co.
- Capitol Life & Accident Insurance Co.
- Capitol Life Insurance Co.
- Capitol Security Life Insurance Co. (TX)
- CBI Insurance Co.
- Central American Life Insurance Co.
- Central Benefits National Life Insurance Co.
- Ouachita Life Insurance Co.
- Central Investors Life Insurance Co. of IL
- Wellchoice Insurance Co. of New Jersey Inc.
- Central Reserve Life Insurance Co.
- Central Security Life Insurance Co.
- Central States Health & Life Co. of Omaha (Unsolicited Ratings)
- Central United Life Insurance Co.
- Centurion Life Insurance Co.
- Century Credit Life Insurance Co.
- Century Life Assurance Co.
- American Equity Investment Life Insurance Co.
- CUNA Mutual Life Insurance Co.
- Champions Life Insurance Co.
- Charter National Life Insurance Co.
- Cherokee National Life Insurance Co.
- Christian Mutual Life Insurance Co.
- Church Life Insurance Corp.
- Prudential Retirement Insurance and Annuity Co.
- Cincinnati Equitable Life Insurance Co.
- Cincinnati Life Insurance Co.
- Citizens Security Life Insurance Co.
- Classic Life Assurance Co.
- CM Assurance Co.
- CM Benefit Insurance Co.
- John Hancock Life & Health Insurance Co.
- Colonial Penn Life Insurance Co.
- Colonial Security Life Insurance Co.
- Colorado Bankers Life Insurance Co.
- Columbian Life Insurance Co.
- Columbian Mutual Life Insurance Co.
- Combined Life Insurance Co. of NY
- Combined Underwriters Life Insurance Co.
- Commerce National Insurance Co.
- Fremont Life Insurance Co.
- Commercial Bankers Life Insurance Co. of IN
- Commercial Travelers Mutual Insurance Co.
- Commodore National Life Insurance Co.
- Commonwealth Dealers Life Insurance Co.
- Commonwealth Financial Life Insurance Co.
- Commonwealth National Life Insurance Co.
- Companion Life Insurance Co. (NY)
- Companion Life Insurance Co. (SC)
- Takecare Insurance Co.
- United Concordia Life & Health Insurance
- Conseco Medical Insurance Co.
- Consolidated General Life Insurance Co.
- Continental General Insurance Co.
- Continental International Life Insurance Co.
- Continental Life Insurance Co. (PA)
- Continental Life Insurance Co. of Brentwood
- Continental Life Insurance Co. of SC
- Continental National Life Insurance Co.
- Cooperativa de Seguros de Vida de Puerto Rico
- Cosmopolitan Life Insurance Co. (AR)
- Cotton States Life Insurance Co.
- Country Investors Life Assurance Co. (Unsolicited Ratings)
- Country Life Insurance Co. (Unsolicited Ratings)
- Rightchoice Insurance Co.
- Crocker Life Insurance Co.
- MEMBERS Life Insurance Co. (WI)
- CUNA Mutual Insurance Society
- Delta Life Insurance Co.
- Dennis Life Insurance Co.
- Deseret Mutual Insurance Co. (Unsolicited Ratings)
- Directors Life Assurance Co.
- National Capital Life Insurance Co. (TX)
- East Funeral Benefit Insurance Co.
- HCSC Insurance Services Co.
- Summit Life & Annuity Co.
- Educators Insurance Co. (Life)
- Educators Life Insurance Co. of America
- Educators Mutual Insurance Assoc.
- Eastern Life & Health Ins. (Unsolicited Ratings)
- Electric Mutual Benefit Assoc.
- Empire Life Insurance Co.
- Employees Life Co. Mutual
- Employees Life Insurance Co.
- Equitable Life & Casualty Insurance Co. (Unsolicited Ratings)
- AXA Life and Annuity Co.
- Erie Family Life Insurance Co. (Unsolicited Ratings)
- Fairlane Life Insurance Co.
- Family Liberty Life Insurance Co.
- Family Life Insurance Co.
- Family Life Insurance Co. of Texas
- Family Service Life Insurance Co.
- Farmers & Ranchers Life Insurance Co.
- Farmers & Traders Life Insurance Co. (Unsolicited Ratings)
- Chase Insurance Life and Annuity Co.
- Federal Life Insurance Co. (Mutual)
- Federated Life Insurance Co. (Unsolicited Ratings)
- Pacificare Life Assurance Co.
- Fidelity Federal Life Insurance Co.
- Fidelity Investments Life Insurance Co.
- Fidelity Life Assoc.
- Fidelity Mutual Life Insurance Co.
- Fidelity Security Life Insurance Co. (Unsolicited Ratings)
- Fidelity Standard Life Insurance Co.
- LifeUSA Insurance Co. (MN)
- Fiduciary Insurance Co. of America
- Financial Life Insurance Co. of GA
- Financial Security Life of LA
- MedAmerica Insurance Co. of New York
- First Bankers Life Insurance Co.
- First Capital Life Insurance Co. of LA
- First Community Life Insurance Co.
- First Consumers Life Insurance Co.
- First Continental Life & Accident Insurance Co.
- First Dallas Life Insurance Co.
- First Deposit Life Insurance Co.
- First Dimension Life Insurance Co. Inc.
- Community Bank Life & Health Insurance Co.
- First Fidelity Life Insurance Co.
- First Finance Assurance Co.
- Liberty Union Life Assurance Co.
- Southwestern Life Holdings
- Aetna Life Insurance Co.
- Aetna Life Insurance Co. of America
- Affiliated Financial Life Insurance Co.
- AXA Equitable Life Insurance Co.
- OneNation Insurance Co.
- John Hancock Capital Corp.
- John Alden Life Insurance Co.
- Reassure America Life Insurance Co. (Old)
- Minnesota Life Insurance Co.
- ING U.S., Inc.
- MetLife Insurance Co. of Connecticut
- MetLife Life and Annuity Co. of Connecticut
- SunAmerica Life Insurance Co.
- Sun Life Assurance Co. of Canada (U.S.)
- Sun Life Insurance & Annuity Co. of New York
- Midland National Life Insurance Co.
- Continental Assurance Co.
- Safehealth Life Insurance Co. Inc.
- Consumers United Insurance Co.
- Genworth Life and Annuity Insurance Co.
- Life Insurance Co. of Georgia
- Life Investors Insurance Co. of America
- Life of Maryland Inc.
- United States Life Insurance Co. in the City of New York
- Citizens Insurance Co. of America (MI)
- Citizens Accident & Health Insurance Co.
- Citizens Insurance Co. of America (CO)
- TIG Indemnity Co.
- Globe Life & Accident Insurance Co.
- American General Life Insurance Co.
- American General Life & Accident Insurance Co.
- Great Southern Life Insurance Co.
- United of Omaha Life Insurance Co.
- Lutheran Brotherhood
- Thrivent Life Insurance Co.
- Medco Containment Life Insurance Co.
- Thrivent Financial for Lutherans
- Inter-State Assurance Co.
- Constitution Life Insurance Co.
- Consumer Life Insurance Co.
- Consumers Life Insurance Co.
- Transamerica Advisors Life Insurance Co.
- Colonial Life & Accident Insurance Co.
- Colonial American Life Insurance Co.
- Colonial Empire Life Insurance Co.
- Colonial Life Insurance Co. of TX
- Lincoln Life & Annuity Co. of NY
- Transamerica Life Insurance Co. of NY
- First Penn-Pacific Life Insurance Co.
- First Reliance Standard Life Insurance Co.
- First National Life Insurance Co.
- First National Life Insurance Co. of America
- First National Life Insurance Co. of U.S.A.
- First Oklahoma Life Insurance Co.
- First Pyramid Life Insurance Co. of America
- The First Rehabilitation Life Insurance Co. of America
- Keyport Life Insurance Co.
- Great Northern Insured Annuity Corp.
- C.M. Life Insurance Co.
- CGU Life Insurance Co. of NY
- Mid-Continent Pref L
- Symetra National Life Insurance Co.
- Chase Insurance Life Co.
- Western-Southern Life Assurance Co.
- Western Reserve Life Assurance Co. of Ohio
- Savings Bank Life Insurance Co. of Massachusetts
- United Investors Life Insurance Co.
- Manufacturers Life Insurance Co. of North America
- Rushmore Life Insurance Co.
- Twin Mercury Life Insurance Co.
- Park Avenue Life Insurance Co.
- First Interstate Insurance Co. of AZ
- First Interstate Life Insurance Co. of Texas
- First Investors Life Insurance Co. (Unsolicited Ratings)
- First Landmark Life Insurance Co.
- Standard Insurance Co.
- United Family Life Insurance Co.
- Union Security Life Insurance Co.
- Vista Life Insurance Co.
- AG Edwards Life Insurance Co.
- AAA Life Insurance Co. (Unsolicited Ratings)
- Adamson Life Insurance Co.
- Ministers Life Insurance Co.
- Admiral Life Insurance Co. of America
- Advanta Life Insurance Co.
- Advantage Life Insurance Co.
- Afro American Life Insurance Co.
- AFSC Insurance Co. Inc.
- AGC Life Insurance Co.
- Household Life Insurance Co. of AZ
- Allegiance Life Insurance Co.
- Allied Bankers Life Insurance Co.
- Allied Financial Insurance Co.
- Allnation Life Insurance Co.
- Protective Life and Annuity Insurance Co.
- American Guaranty Life Insurance Co.
- AGL Life Assurance Co.
- American Health & Life Insurance Co.
- American Heritage Life Insurance Co.
- American National Life Insurance Co. of Texas
- American Savings Life Insurance Co.
- American Service Life Insurance Co.
- Coventry Health & Life Insurance Co.
- American Standard Life & Accident Insurance Co.
- American States Life Insurance Co.
- Amica Life Insurance Co.
- AMS Life Insurance Co.
- Anthem Life Insurance Co. of CA
- Anthem Life Insurance Co.
- Appalachian Life Insurance Co.
- Arkansas Bankers Life Insurance Co.
- Assured Investors Life Co.
- American Retirement Life Insurance Co.
- Balboa Life Insurance Co.
- Bates-Cooper-Weems Insurance Co.
- BCS Life Insurance Co.
- Beneficial Life Insurance Co.
- Beneficial Standard Life Insurance Co.
- Benefit Life Insurance Co.
- Trustmark Insurance Co. (Unsolicited Ratings)
- Big Sky Life Inc.
- Bluebonnet Life Insurance Co. (LA)
- Booker T. Washington Insurance Co.
- Boston Mutual Life Insurance Co.
- Brandywine Life Insurance Co.
- Cameron Life Insurance Co.
- Canyon State Life Insurance Co.
- Careamerica Life Insurance Co.
- Caribbean American Life Assurance Co.
- Annuity Investors Life Insurance Co.
- Continental American Insurance Co. (SC)
- Celtic Insurance Co.
- Centennial Life Insurance Co.
- CLA Assurance Co.
- Chapparral Life Insurance Co.
- Chesapeake Life Insurance Co.
- CIGNA Worldwide Insurance Co. (L/H)
- Pacificare Life & Health Insurance Co.
- First Columbine Life Insurance Co.
- Phoenix National Insurance Co.
- Concord Heritage Life Insurance Co.
- Concord Life Insurance Co.
- Concord National Life Insurance Co.
- Condeaux Life Insurance Co.
- Conger Life Insurance Co.
- EquiTrust Life Insurance Co.
- Cornhusker Life Insurance Co.
- Dallas General Life Insurance Co.
- Delaware American Life Insurance Co.
- General Life Insurance Co.
- Dixie National Life Insurance Co.
- Dobco Life Insurance Co.
- Doctors Life Insurance Co. (Unsolicited Ratings)
- Dorsey Life Insurance Co.
- Eagle American Life Insurance Co.
- East Arkansas Gem Life Insurance Co.
- Employers Modern Life Co.
- Ensign Life Insurance Co.
- Enterprise Life Insurance Co.
- Epic Life Insurance Co.
- Conestoga Life Assurance Co.
- Eton Life Insurance Co.
- Family Benefit Life Insurance Co. (MO)
- Family Financial Life Insurance Co. (LA)
- Citicorp Life Insurance Co.
- First Citicorp Life Insurance Co.
- Family Heritage Life Insurance Co. of America
- Family Insurance Corp.
- Farm Bureau Life Insurance Co.
- Farm Bureau Life Insurance Co. of MI (Unsolicited Ratings)
- Farm Bureau Life Insurance Co. of MO
- Farm Family Life Insurance Co.
- Financial Assurance Life Insurance Co.
- Financial Benefit Life Insurance Co.
- Financial Cooperative Life Insurance Co.
- Regions Life Insurance Co.
- First American Life Insurance Co. (TX)
- First Assurance Life of America
- Medical Savings Insurance Co.
- First National Indemnity Life Insurance Co.
- First Security Life Insurance Co. of AZ
- First Sunamerica Life Insurance Co.
- First United American Life Insurance Co.
- First Virginia Life Insurance Co.
- Florida Combined Life Insurance Co. Inc.
- Employers Life Insurance Corp.
- Fortune Life Insurance Co.
- Frandisco Life Insurance Co.
- Freedom Life Insurance Co. of America
- Ruffin & Jarrett Insurance Co.
- Menlo Life Insurance Co.
- Fringe Benefit Life Insurance Co.
- Frontier Life Insurance Co.
- Frontier National Life Insurance Co.
- Garden State Life Insurance Co.
- GEM Insurance Co.
- Great American Life Assurance Co. of Puerto Rico
- General Fidelity Life Insurance Co.
- Geneva Life Insurance Co.
- Georgia Peoples Life Insurance Co.
- Gerber Life Insurance Co. (Unsolicited Ratings)
- Gerling Global Life Insurance Co.
- Germania Life Insurance Co.
- Unity Financial Life Insurance Co.
- Gipson Life Insurance Co.
- Gold Reserve Life Insurance Co.
- ING U.S. Annuity and Life Insurance Co.
- Golden Circle Life Insurance Co.
- Golden Security Life Insurance Co.
- Golden State Mutual Life Insurance Co.
- Government Personnel Mutual Life Insurance Co. (Unsolicited Ratings)
- Grange Life Insurance Co. (Unsolicited Ratings)
- Grant Life Insurance Co.
- Great American Life Insurance Co. (OH)
- Conseco Variable Insurance Co.
- Great Atlantic Life Insurance Co.
- Great Central Life Insurance Co.
- Great Fidelity Life Insurance Co.
- Great Florida Life Insurance Co.
- Great Lakes Delta Insurance Co.
- Great Midwest Life Insurance Co.
- Great Republic Life Insurance Co.
- Great Western Insurance Co. (UT)
- Great Western Life Insurance Co.
- Gregg Insurance Co.
- Griffin Leggett Burial Insurance Co.
- Grosvenor Life Insurance Co.
- Settlers Life Insurance Co. (Unsolicited Ratings)
- Guarantee Reserve Life Insurance Co.
- Guarantee Security Life Insurance Co. of AZ (Unsolicited Ratings)
- Guarantee Trust Life Insurance Co. (Unsolicited Ratings)
- Guaranty Income Life Insurance Co.
- First Guaranty Insurance Co.
- Guaranty Assurance Co.
- Gulf Atlantic Life Insurance Co.
- Gulf Guaranty Life Insurance Co.
- Harleysville Life Insurance Co.
- Harrison Life Insurance Co. (MS)
- Hawkeye Life Insurance Group Inc.
- Hawthorn Life Insurance Co.
- Health Alliance Medical Plans
- American Network Insurance Co.
- CIGNA Insurance Group Inc.
- Hemisphere Life Insurance Co.
- Heritage Life Insurance Co.
- Alta Health & Life Insurance Co.
- Home Owners Life Insurance Co.
- Homeshield Insurance Co.
- Houston National Life Insurance Co.
- Idealife Insurance Co.
- RiverSource Life Insurance Co.
- RiverSource Life Insurance Co. of New York
- Illinois Mutual Life Insurance Co.
- Imperial General Life Insurance Co.
- Imperial Life Insurance Co.
- Cigna Life Insurance Co. of New York
- Indianapolis Life Insurance Co.
- Insurance Investors Life Insurance Co.
- Integrated Resources Life Insurance Co.
- Inter American Life Insurance Co.
- Investors Life Insurance Co. of Indiana
- Interstate Bankers Life Insurance Co.
- Investors Life Insurance Co. North America
- Investors National Life Insurance Co. of SC
- Brokers National Life Assurance Co.
- JMIC Life Insurance Co.
- Jackson Griffin Insurance Co.
- Jamestown Life Insurance Co.
- Stonebridge Life Insurance Co.
- Jefferson Standard Life Insurance Co.
- Wellmark Community Insurance Inc.
- Key Bank Life Insurance Ltd.
- Key Life Insurance Co. Inc.
- Landcar Life Insurance Co.
- Landmark Life Insurance Co.
- Legal Security Life Insurance Co.
- Liberty Life Insurance Co.
- North American Life Insurance Co. of Texas
- Life Insurance Co. of Alabama
- Life Insurance Co. of Boston & NY
- AmeriBest Life Insurance Co.
- Life Insurance Co. of Louisana
- Life Insurance Co. of Mississippi
- Life Insurance Co. of North America
- Life Insurance Co. of the Southwest
- Lincoln Heritage Life Insurance Co. (Unsolicited Ratings)
- Life Protection Insurance Co.
- Lifecare Assurance Co.
- Lifeline Underwriters Life Insurance Co.
- Lincoln Mutual Life & Casualty Insurance Co.
- Lincoln Direct Life Insurance Co.
- Banc One Kentucky Insurance Co.
- Locomotive Engrs & Conductors Mut Prot Assoc.
- London Life Insurance Co. (MI)
- London Pacific Life & Annuity Co.
- Loyal American Life Insurance Co.
- First Health Life & Health Insurance Co.
- M Life Insurance Co.
- Mack H. Hannah Life Insurance Co.
- Madison National Life Insurance Co. Inc. (Unsolicited Ratings)
- Starmount Life Insurance Co.
- Manhattan Life Insurance Co.
- Manhattan National Life Insurance Co.
- Marquette Indemnity & Life Insurance Co.
- Marquette National Life Insurance Co.
- Conseco Life Insurance Co.
- Mayflower National Life Insurance Co.
- MBL Life Assurance Corp.
- Medical Benefits Mutual Life Insurance Co.
- Mellon Life Insurance Co.
- Sutter Preferred Health & Life Insurance
- Memorial Insurance Co. of America
- Memorial Service Life Insurance Co.
- Metlife Security Insurance Co. of LA
- Metropolitan Tower Life Insurance Co.
- Security Alliance Insurance Co.
- Mid-South Insurance Co.
- Mid-West National Life Insurance Co. of TN
- Liberty Bankers Life Insurance Co.
- Middle Tennessee Life Insurance Co.
- Milwaukee Life Insurance Co.
- Mission American Life Insurance Co.
- Monitor Life Insurance Co. of NY
- MONY Life Insurance Co. of America
- Motorists Life Insurance Co. (Unsolicited Ratings)
- Municipal Insurance Co. of America
- Mustang Life Insurance Co.
- Mutual of Detroit Insurance Co.
- Mutual Service Life Insurance Co. (Unsolicited Ratings)
- NACOLAH Life Insurance Co.
- NAP Life Insurance Co.
- National Fidelity & Security Insurance Co.
- National Foundation Life Insurance Co.
- National Guardian Life Insurance Co. (Unsolicited Ratings)
- National Health Insurance Co.
- National Heritage Insurance Co. (TX)
- National Home Life & Accident Insurance Co.
- National Life & Accident Insurance Co.
- National Life Insurance Co.
- National Masonic Provident Assoc.
- Cambridge Life Insurance Co.
- National Mutual Life Insurance Co.
- NationalCare Insurance Co.
- New England Pension & Annuity Co.
- New Era Life Insurance Co. (Unsolicited Ratings)
- Direct General Life Insurance Co.
- Nippon Life Insurance Co. of America
- North American Co. for Life & Health Insurance of NY
- North American Co. for Life & Health Insurance
- North American Insurance Co. (Unsolicited Ratings)
- Allianz Life Insurance Co. of North America
- North American National Life Insurance Co.
- Northeast United Life Insurance Co.
- NYLife Insurance Co. of AZ
- Occidental Life Insurance Co. of NC
- Ocoee Life Insurance Co.
- Chase Life & Annuity Insurance Co. of New York
- Old Dominion Life Insurance Co.
- Old Kent Financial Life Insurance Co.
- Old Reliance Insurance Co.
- Old Republic Life Insurance Co.
- Great American Life Insurance Co. of New York
- Old South Life Insurance Co. (LA)
- Old Spartan Life Indiana Co. Inc.
- Old Standard Life Insurance Co.
- Old Surety Life Insurance Co.
- Old United Life Insurance Co.
- Member Service Life Insurance Co.
- Omaha Life Insurance Co.
- Oneida Life Insurance Co.
- Optimum Re Insurance Co.
- Regence Life & Health Insurance Co.
- Orion Life Insurance Co.
- Lifewise A Premera Health Plan Inc.
- Pacific Life & Accident Insurance Co.
- Pacific Union Assurance Co.
- Pan-American Assurance Co.
- PAULA Assurance Co.
- Pekin Financial Life Insurance Co.
- Pekin Life Insurance Co. (Unsolicited Ratings)
- Peninsular Life Insurance Co.
- Senior American Life Insurance Co.
- Pennsylvania Life Insurance Co.
- Midamerica Life Insurance Co.
- Pension Life Insurance Co. of America
- Performance Life of America
- Personalcare Insurance of Illinois Inc.
- Pharmacists Life Insurance Co.
- Philadelphia American Life Insurance Co.
- Physicians Life Insurance Co.
- Physicians Mutual Insurance Co.
- American Industries Family Life Insurance Co.
- Pioneer American Insurance Co.
- Pioneer Life Insurance Co.
- Pioneer Military Insurance Co.
- Pioneer Mutual Life Insurance Co.
- Pioneer Security Life Insurance Co.
- Plateau Insurance Co.
- Pacific Life & Annuity Co.
- American Memorial Life Insurance Co.
- Pramco Life Insurance Co.
- Allianz Life Insurance Co. of New York
- Presidential Life Insurance Co. (TX)
- Dental Insurance Corp. of America
- Proactive Insurance Corp.
- Professional Insurance Co.
- Professional Life & Annuity Insurance Co.
- Professional Life & Casualty Co.
- Programmed Life Insurance Co.
- Progressive American Life Insurance Co.
- Protected Home Mutual Life Insurance Co.
- Protection Life Insurance Co.
- Protective Industrial Insurance Co. of AL
- Franklin Protective Life Insurance Co.
- Provident American Insurance Co.
- Provident Life & Casualty Insurance Co.
- Provident Security Life Insurance Co.
- Prudential Life Insurance Co. of AZ
- Health Net Life Insurance Co.
- Regal Life Insurance Co.
- Regal Life of America Insurance Co.
- Reliance Standard Life Insurance Co. of TX
- Republic American Life Insurance Co.
- SCOR Life Insurance Co.
- SCOR Global Life Reinsurance Co. of America Inc.
- Royal State National Insurance Co. Ltd
- Rushmore National Life Insurance Co.
- Renaissance Life & Health Insurance Co.
- Phoenix Life and Annuity Co.
- SBLI Mutual Life Insurance Co, Inc.
- Scenic City Life Insurance Co.
- Scott Life Insurance Co.
- Security General Life Insurance Co.
- Security Financial Life Insurance Co.
- Puerto Rican-American Life Insurance Co.
- Seguros de Vida Triple S Inc.
- Selected Funeral & Life Insurance Co.
- Sentinel American Life Insurance Co.
- MMA Insurance Co.
- Smith Burial & Life Insurance Co.
- Direct Life Insurance Co.
- Southern Capital Life Insurance Co.
- Southland National Insurance Corp.
- Southwest Service Life Insurance Co.
- Standard American Life & Annuity Co.
- Standard Life & Accident Insurance Co.
- Standard Life & Casualty Insurance Co.
- Standard Life Insurance Co. of IN
- State Life Insurance Co.
- State Life Insurance Fund
- State Mutual Insurance Co. (GA)
- State National Life Insurance Co. Inc.
- Triumphe Life Insurance Co.
- Sullivan Life Insurance Co.
- Sun States Life Insurance Co.
- Sunland Life Insurance Co.
- Suntrust Insurance Co.
- Nationsbanc Insurance Co. Inc.
- Surety Mutual Life & Casualty Co.
- Tandy Life Insurance Co.
- Teachers Protv Mutual Life Insurance Co.
- Team Life Insurance Co.
- Texas Bankers Life & Loan Insurance Co.
- Texas Central Life Insurance Co.
- Texas Directors Life Insurance Co.
- Texas Protective Life Insurance Co.
- Texas Savings Life Insurance Co.
- Texas Service Life Insurance Co.
- Texas State Life Insurance Co.
- TexasRe Life Insurance Co.
- Tower Life Insurance Co. (Unsolicited Ratings)
- Aurora National Life Assurance Co. (Unsolicited Ratings)
- Trans World Assurance Co. (CA)
- MedAmerica Insurance Co.
- Trans-National Life Insurance Co.
- Trans-Western Life Insurance Co.
- Transam Assurance Co.
- Transamerica Assurance Co.
- Transamerica Insurance Corp. of CA
- Trustmark Life Insurance Co. (Unsolicited Ratings)
- U.S. Health and Life Insurance Co.
- U.S. Health Insurance Co. (TX)
- Americom Life & Annuity Insurance Co.
- Union Bankers Insurance Co.
- Provident American Life & Health Insurance
- Union Life Insurance Co.
- Union National Life Insurance Co. (LA)
- Union Savings American Life Insurance Co.
- Union Standard of America Life Insurance Co.
- Unison International Life Insurance Co.
- United Assurance Life Insurance Co.
- United Benefit Life Insurance Co.
- United Farm Family Life Insurance Co. (Unsolicited Ratings)
- United Fidelity Life Insurance Co.
- United Funeral Benefit Life Insurance Co.
- United Funeral Dir Benefit Life Insurance Co.
- Spectera Insurance Co. Inc.
- United Home Life Insurance Co.
- United Independent Life Insurance Co.
- United Insurance Co. of America
- United International Life Insurance Co.
- Summit Credit Life Insurance Co.
- United Liberty Life Insurance Co.
- United Life Insurance Co.
- United Mercantile Life Insurance Co.
- United National Life Insurance Co. of America
- United Presidential Life Insurance Co.
- United Security Assurance Co.
- United Security L&H (Unsolicited Ratings)
- United Teacher Associates Insurance Co.
- United Trust Insurance Co.
- United Western Life Insurance Co.
- United Wisconsin Life Insurance Co.
- United World Life Insurance Co.
- Safehealth Life Insurance Co.
- Universal Guaranty Life Insurance Co.
- Universal Life Insurance Co.
- Universal Underwriters Life Insurance Co.
- Universe Life Insurance Co.
- National Security Life & Annuity Co.
- U.S. Financial Life Insurance Co. (Unsolicited Ratings)
- U.S.A. Life One Insurance Co.
- USAble Life
- Venture Life Insurance Co.
- Veterans Life Insurance Co.
- Voyager Life & Health Insurance Co.
- Voyager Life Insurance Co.
- Washington Life Insurance Co. of America
- Washington National Insurance Co.
- Columbian Family Life Insurance Co.
- First MetLife Investors Insurance Co.
- West Coast Life Insurance Co.
- Prudential Uniformed Services Administrators Inc.
- Foothills Life Insurance Co.
- For Life Insurance Co.
- Assurity Life Insurance Co.
- Dearborn National Life Insurance Co.
- Lifeguard Life Insurance Co.
- Franklin American Life Insurance Co.
- Funeral Directors Life Insurance Co.
- Futural Life Insurance Co.
- Grand Pacific Life Insurance Co. Ltd.
- Greater Georgia Life Insurance Co.
- Gulf National Life Insurance Co.
- Gulf States Life Insurance Co. Inc.
- Gulfco Life Insurance Co.
- Household Life Insurance Co.
- Hibiscus Life Insurance Co.
- Higginbotham Burial Insurance Co.
- Holston Valley Life Insurance Co.
- Homesteaders Life Co. (Unsolicited Ratings)
- Horizon Life Insurance Co.
- IBA Health & Life Assurance Co.
- IBC Life Insurance Co.
- Independent State Life Insurance Co.
- Individual Assurance Co. Life Health & Accident
- International American Life Insurance Co.
- International Financial Services Life Insurance Co.
- Intramerica Life Insurance Co.
- Partners Life Insurance Co. (DE)
- Investors Consolidated Insurance Co. Inc.
- Investors Fidelity Life Assurance Corp.
- Investors Growth Life Insurance Co.
- Investors Guaranty Life Insurance Co.
- Jacksonville Life Insurance Co.
- United Concordia Insurance Co.
- Jefferson Life Insurance Co.
- Conseco Life Insurance Co. of Texas
- Kanawha Insurance Co.
- Zurich American Life Insurance Co.
- Keystone State Life Insurance Co.
- Kilpatrick Life Insurance Co. of LA
- Advance Insurance Co.
- L Life Insurance Co.
- Louisiana Credit Life Insurance Co. Inc.
- Lafayette Life Insurance Co.
- Laurel Life Insurance Co.
- Leaders Life Insurance Co.
- Lewer Life Insurance Co.
- Lewis Life Insurance Co.
- Life Assurance Co.
- Life Assurance Co. of America
- Lincolnway Life Insurance Co.
- American Modern Life Insurance Co.
- Maryland Southern Life Insurance Co.
- Centre Life Insurance Co.
- Maxicare Life & Health Insurance Co.
- McDonald Life Insurance Co.
- McKinley Life Insurance Co.
- Medico Life Insurance Co.
- MEGA Life & Health Insurance Co.
- Mercantile Life Insurance Co.
- Miami Valley Insurance Co.
- MIC Life Insurance Corp.
- Mid-America Credit Life Assurance Co.
- Mid-American Century Life Insurance Co. (MO)
- Midwest Security Life Insurance Co.
- Midwestern United Life Insurance Co.
- MII Life Inc.
- Mililani Life Insurance Co.
- Southwest Life & Health Insurance Co.
- Missouri Valley Life and Health Insurance Co.
- Mountain Life Insurance Co.
- MS Diversified Life Insurance Co.
- MS Life Insurance Co.
- MTM Life Insurance Co.
- Mulhearn Protective Insurance Co.
- MTL Insurance Co.
- National Affiliated Investors Life Insurance Co.
- National Benefit Life Insurance Co. (NY)
- National City Life Insurance Co.
- National Family Care Life Insurance Co.
- National Farm Life Insurance Co.
- National Farmers Union Life Insurance Co.
- National Safety Life Insurance Co.
- National Security Insurance Co.
- National Security Life & Accident Insurance Co.
- National States Insurance Co.
- National Travelers Life Co.
- Penn Treaty Network America Insurance Co.
- Normandy Life Insurance Co.
- North Carolina Mutual Life Insurance Co.
- North Central Life Insurance Co.
- North Coast Life Insurance Co.
- North West Life Assurance Co. of America
- North West Life Assurance Co. of Canada
- Keystone Financial Life Insurance Co.
- Northern National Life Insurance Co. of RI
- Oakwood Life Insurance Co.
- Ohio State Life Insurance Co.
- Owens-Brumley Funeral Insurance Co.
- Oxford Health Insurance Inc.
- Oxford Life Insurance Co.
- Ozark National Life Insurance Co. (AR)
- Ozark National Life Insurance Co. (MO)
- PEMCO Life Insurance Co.
- Philadelphia Life Insurance Co.
- Philadelphia-United Life Insurance Co.
- Philanthropic Mutual Life Insurance Co.
- Piedmont Insurance Co.
- Pierce National Life Insurance Co.
- Port-O-Call Life Insurance Co.
- GuideOne Life Insurance Co.
- Preferred Security Life Insurance Co.
- Mission Life Insurance Co. of America (Unsolicited Ratings)
- Princeton Life Insurance Co.
- Nationwide Life & Annuity Co. of America
- Pyramid Life Insurance Co.
- Rader Life Insurance Co.
- Reliable Life Insurance Co. (MO)
- American Century Life Insurance Co. of Texas
- Ridgeway Life Insurance Co.
- Rocky Mountain Life Insurance Co.
- Rooney Life Insurance Co.
- TruAssure Insurance Co.
- American General Life Insurance Co. of PA
- Sentinel Security Life Insurance Co.
- IL Annuity
- Sentry Life Insurance Co. (Unsolicited Ratings)
- Sentry Life Insurance Co. of NY (Unsolicited Ratings)
- Servco Life Insurance Co.
- Service Life & Casualty Insurance Co.
- Settlers Life Insurance Co.
- Shelter Life Insurance Co. (Unsolicited Ratings)
- Shenandoah Life Insurance Co.
- Sheridan Life Insurance Co.
- Sierra Pacific Life Insurance Co.
- Signature Life Insurance Co. of America (AR)
- American Guaranty Life Insurance Co. (TX)
- Southeast Family Life Insurance Co.
- Southern Farm Bureau Life Insurance Co. (Unsolicited Ratings)
- Southern Fidelity Life Insurance Co. (AR)
- Southern Life & Health Insurance Co. (Unsolicited Ratings)
- Southern Protective Life Insurance Co.
- Southern Provident Life Insurance Co.
- Southern Security Life Insurance Co.
- Southern United Life Insurance Co.
- Southwest Credit Life Inc.
- Southwest Home Life Insurance Co.
- Standard Security Life Insurance Co. of NY (Unsolicited Ratings)
- Stanford Life Insurance Co.
- State Farm Annuity & Life Insurance Co.
- State Farm Life & Accident Assurance Co.
- States General Life Insurance Co.
- States West Life Insurance Co.
- Statesman National Life Insurance Co.
- Sterling Investors Life Insurance Co.
- Sterling Life Insurance Co.
- TJM Life Insurance Co.
- Templeton Funds Annuity Co.
- Tennco Life Insurance Co.
- Tennessee Farmers Life Insurance Co. (Unsolicited Ratings)
- Tennessee Farmers Life Reassurance Co. (Unsolicited Ratings)
- Tennessee Life Insurance Co.
- Teton National Insurance Co.
- Texas Imperial Life Insurance Co.
- Texas International Life Insurance Co.
- Texas Life Insurance Co.
- OM Financial Life Insurance Co. of NY
- Town & Country Life Insurance Co.
- Trans City Life Insurance Co.
- Trans-Oceanic Life Insurance Co.
- Triangle Life Insurance Co.
- Tricentennial Life Insurance Co.
- Twin Life Insurance Co.
- New Era Life Insurance Co. of the Midwest (Unsolicited Ratings)
- United Heritage Life Insurance Co.
- Unity Mutual Life Insurance Co.
- Universal Assurors Life Insurance Co.
- Universal Fidelity Life Insurance Co.
- American General Assurance Co.
- Utica National Life Insurance Co. (Unsolicited Ratings)
- HCC Life Insurance Co.
- Wateree Life Insurance
- Welch State Life Insurance Co.
- Wellington Life Insurance Co.
- Western American Life Insurance Co. (TX)
- Harris Methodist Health Insurance Co.
- Western Diversified Life Insurance Co.
- Western Family Life Insurance Co.
- Five Star Life Insurance Co.
- Western General Life Insurance Co.
- Western Hemisphere Life Insurance Co.
- Western United Life Assurance Co.
- Wichita National Life Insurance Co.
- Wilbert Life Insurance Co.
- Woodmen Accident & Life Co.
- Lincoln Memorial Life Insurance Co.
- Yadkin Valley Life Insurance Co.
- Zachary Taylor Life Insurance Co.
- Zale Life Insurance Co.
- Zions Life Insurance Co.
- Hartford Life Group Insurance Company
- Arkansas Life Insurance Co.
- Bankers American Life Assurance Co.
- BT Life Insurance Corp.
- Dixie Life Insurance Co. Inc.
- Evangeline Life Insurance Co. Inc.
- First M&F Life Insurance Co.
- Foundation Life Insurance Co. of AR
- Gertrude Geddes Willis Life Insurance Co.
- Harvey Life Insurance Co.
- Healthsource Insurance Services Inc.
- Lafourche Life Insurance Co.
- MD Physicians Insurance Co.
- Mothe Life Insurance Co.
- Northstar Life Insurance Co.
- Ohio Motorists Life Insurance Co.
- Paramount Security Life Insurance Co.
- Pellerin Life Insurance Co.
- Rabenhorst Life Insurance Co.
- Reliable Life Insurance Co. (LA)
- Rockett Life Insurance Co.
- Sabine Life Insurance Co.
- Vantis Life Insurance Co. (Unsolicited Ratings)
- Security First Life Insurance Co. of AZ
- Senate National Life Insurance
- Southern Security Life Insurance Co. Inc.
- UDC Life & Health Insurance Co.
- American Capital Indemnity Corp.
- American Guaranty Insurance Co.
- American Health & Accident Insurance Co.
- American Interstate Insurance Co. of GA (Unsolicited Ratings)
- Canal Indemnity Co. (Unsolicited Ratings)
- Indemnity Insurance Co. of North America
- Connecticut Medical Insurance Co. (Unsolicited Ratings)
- Hospitals Insurance Co. Inc (Unsolicited Ratings)
- Hospital Casualty Co.
- Republic Indemnity Co. of California
- Americo Life Inc.
- First Colony Corp.
- Swiss Re Life & Health America Holding Co.
- ARM Financial Group Inc.
- Clarica U.S. Inc.
- Woodmen of the World Life Insurance Society and/or Omaha Woodmen Life Insurance Society
- Hartford International Life Reassurance Corp.
- American Maturity Life Insurance Co.
- Empire HealthChoice Assurance Inc. d/b/a Empire Blue Cross and Blue Shield
- PHL Variable Insurance Co.
- Blue Cross & Blue Shield of Kansas Inc.
- Paul Revere Protective Life Insurance Co.
- S USA Life Insurance Co. Inc.
- Family Security Life Insurance Co. Inc.
- Health Insurance Corp. of Alabama
- IHC Benefit Assurance Co. Inc.
- Optima Health Insurance Co.
- Texas Security Mutual Life Insurance Co.
- Family Guaranty Life Insurance Co. Inc.
- Prosperity Life Insurance Co.
- Louisiana Health Service & Indemnity Co. (d/b/a Blue Cross and Blue Shield of Louisiana)
- Insouth Life Insurance Co.
- CIGNA Indiana Insurance Co.
- MetLife Investors Insurance Co.
- FBL Financial Group Inc.
- Jefferson-Pilot Corp.
- Unum Group
- Nationwide Life & Annuity Insurance Co.
- American Resources Life Insurance Co.
- Amerihealth Insurance Co. of NJ
- Arbella Life & Health Insurance Co. Inc.
- Bankers Life Insurance Co. of IL
- Benchmark Health Insurance Co.
- Commencement Bay Life Insurance Co.
- Dreyer Health Plans
- Empire Fidelity Investments Life Insurance Co.
- Equitable American Insurance Co.
- First Alliance Insurance Co. (KY)
- First Founders Life Insurance Co.
- Anthem Health & Life Insurance Co. of NY
- John Hancock Life Insurance Co. of New York
- Forest Investors Life & Health Insurance
- General Life Insurance Co. of America
- HIP Insurance Co. of NY
- IL Term Insurance Co.
- Kaiser Permanente Insurance Co.
- JS Williams Life Insurance Co.
- MAG Mutual Life Insurance Co.
- Matthew Thornton Insurance Co. Inc.
- Safety Industry Life Insurance and Sick Benefits Assn.
- Healthpartners Insurance Co.
- Southern National Life Insurance Co. Inc.
- Summit Insurance Co. (OH)
- Amil International Insurance Co.
- Wonder State Life Insurance Co.
- Grange Indemnity Insurance Co. (Unsolicited Ratings)
- Employers Preferred Ins Co (Unsolicited Ratings)
- AmerUs Group Co.
- Penn Treaty American Corp.
- Nationwide Financial Services Inc.
- Hynix Semiconductor Manufacturing America Inc.
- Ascent Assurance Inc.
- GenAmerica Financial Corp.
- AH Michigan Life Insurance Co.
- American Express Educational Assurance Co.
- Excalibur Insurance Corp.
- Intermediary Life Insurance Co.
- Memorial Sisters of Charity Insurance Co.
- Protective Life Insurance Co. of KY
- Rhodes Life Insurance Co. of LA Inc.
- TIAA-CREF Life Insurance Co.
- Univantage Insurance Co.
- Eastern Life Insurance Co.
- Fallon Health & Life Assurance Co.
- First Carthage Life Insurance Co.
- First Citizens Life Insurance Co. (TN)
- HIP Insurance Co. of NJ Inc.
- MCB Life Insurance Co.
- USAA Life Insurance Co. of New York
- Great-West Life & Annuity Insurance Company of New York
- Northwestern Long Term Care Insurance Co.
- Aflac Inc.
- California Physicians' Service (d/b/a Blue Shield of California)
- Supreme Home of the Progressive Order of Pilgrims
- Unified Physicians of WA
- HealthMarkets Inc.
- Centre Insurance Co.
- Life Insurance Co. of Alaska
- ACA Assurance
- Alliance of Poles of America
- Allied Funeral Associates Insurance Co.
- American Family Society
- American Fraternal Benefit Society
- American Mutual Life Assoc.
- American Postal Workers Accident Benefit
- American Slovenian Catholic Union KSKJ
- Association of Lithuanian Workers
- Bridgefield Employers Insurance Co.
- Catholic Aid Assoc.
- Catholic Fraternal Life
- Catholic Knights Insurance Society
- Catholic Knights of Ohio
- Catholic Order of Foresters
- Catholic Union of Texas
- Catholic Workman
- Concordia Mutual Life Assoc.
- Conselho Supremo da Irmadade Do Div
- Conselho Supremo Da UPEG
- Croatian Catholic Union of the U.S.A.
- Cumberland Life Insurance Co.
- Czech Catholic Union
- Degree of Honor Protective Assoc.
- Employees Mutual Benefit Assoc.
- Equitable Reserve Assoc.
- Farmers Life Insurance Co.
- Federation Life Insurance of America
- Fireman's Mutual Aid & Benefit Assoc.
- Great American Life Assurance Co.
- Western National Corp.
- Dentegra Insurance Co.
- Westhrift Life Insurance Co.
- Westward Life Insurance Co.
- Westwood Life Insurance Co.
- White River Valley Insurance Co.
- William Penn Life Insurance Co. of NY
- Williams Progressive Life & Accident Insurance Co.
- Windsor Life Insurance Co.
- Winnfield Life Insurance Co.
- Benicorp Insurance Co.
- SCOR GLOBAL LIFE AMERICAS REINSURANCE COMPANY
- HumanaDental Insurance Co.
- Workmens Life Insurance Co.
- World Insurance Co.
- World Service Life Insurance Co.
- Wright Mutual Insurance Co.
- Nationwide Life Insurance Co. of Delaware
- Escude Life Insurance Co.
- American Phoenix Life & Reassurance Co.
- Schoen Life Insurance Co., Inc.
- Scott & White Group Hospital Service Corp.
- Anthem Blue Cross Life & Health Insurance Co.
- First Standard Security Insurance Co.
- Transamerica Financial Life Insurance Co.
- Sun Life Assurance Co. of Canada (U.S. branch)
- Noridian Mutual Insurance Co. (d/b/a Blue Cross Blue Shield of North Dakota)
- Ameritas Life Insurance Corp of New York
- Security-Connecticut Corp.
- First Security Benefit Life Insurance and Annuity Co. of New York
- SunAmerica Life Insurance Co. (Separate Accounts) I
- Trigon Health and Life Insurance Co.
- Medco Containment Insurance Co. NJ
- Melancon Life Insurance Co.
- MSC Life Insurance Co.
- Oakre Life Insurance Co.
- OSF Health Plans Inc.
- PCA Life Insurance Co. of Texas, Inc.
- Peoples Savings Life Insurance Co.
- PMA Life Insurance Co.
- Pride of Carroll Life Insurance Co.
- Reliable Life Insurance Co. of TX
- Rockford Health Plans Inc.
- Jeff Davis Mortuary Benefit Assoc.
- Accident Fund Insurance Co. of America (Unsolicited Ratings)
- Louisiana Workers Compensation Corp. (Unsolicited Ratings)
- Workers Compensation Fund of Utah (Unsolicited Ratings)
- SunAmerica Capital Trust III
- Hartford Life Inc.
- Alliance Health & Life Insurance Co.
- BHG Life Insurance Co.
- BSH Life Insurance Inc.
- Community Health Plan of SBL Insurance Co.
- Country Medical Plans Inc.
- Security Plan Life Insurance Co.
- Accord Health Plan
- MRS Insurance Co.
- New South Life Insurance Co.
- Patriot Life Insurance Co. (ME)
- Premier Medical Insurance Group Inc.
- Reliable Service Insurance Co.
- Jackson National Life Insurance Co. of New York
- Amedex Insurance Co.
- First Golden American Life Insurance Co. of NY
- Highmark Life Insurance Co. of New York
- Compcare Health Services Insurance Corp.
- Cox-Freeman Community Health Plans
- Pupil Benefits Plan Inc.
- Alliance of Transylvanian Saxons
- American Unified Life & Health Co.
- Association of the Sons of Poland
- Baptist Life Assoc.
- Benevolent Knights of America of Louisiana
- Benton Life Insurance Co.
- Canada Life Assurance Co. (U.S. branch)
- Catholic Family Fraternal of Texas
- Catholic Life Insurance Union
- American Fraternal Union
- Associata Protectora Uniao Madeirense
- Benton Life Insurance Co. Inc.
- Cass County Life Insurance Co.
- Catholic Assoc. of Foresters
- Catholic Family Life Insurance
- Catholic Knights of America
- Catholic Ladies of Columbia
- Central Life Insurance Co. (TN)
- Colonial First Heritage Life Insurance Co.
- Croatian Fraternal Union of America
- CSA Fraternal Life
- Equity Mutual Insurance Co.
- Manufacturers Alliance Insurance Co. (Unsolicited Ratings)
- Pennsylvania Manufacturers Indemnity Co. (Unsolicited Ratings)
- PHICO Insurance Co.
- United Republic Insurance Co.
- Veterinary Pet Insurance Co.
- Western United Insurance Co. (Unsolicited Ratings)
- First Catholic Slovak Ladies Assoc. of USA
- First Catholic Slovak Union of U.S. & Canada
- First Life America Corp.
- Free Sons of Israel
- Grand Council Penn Catholic Beneficial
- Grand Court Order of Calanthe
- Grand Lodge Sons of Hermann in Texas
- Great-West Life Assurance Co. (U.S. Branch)
- Greater Beneficial Union of Pittsburgh
- Greek Catholic Union of the U.S.A.
- Holy Family Society of the USA
- Hungarian Reformed Federation of America
- Independent Order of Vikings
- Grand Lodge Knights of Pythias (IL)
- Ladies Pennsylvania Slovenian Catholic Union
- Lithuanian Alliance of America
- Lithuanian Catholic Alliance
- Loyal Christian Benefit Assoc.
- Luso American Life Insurance Society
- Majestic Life Insurance Co. (LA)
- Memorial Life Insurance Co. (LA)
- Mennonite Mutual Aid Assoc.
- Modern Woodmen of America
- Moslah Benefit Fund
- Most Excellent Assoc. of Artisans Order
- Mutual Beneficial Assoc. Inc.
- National Catholic Society of Foresters
- National Council Junior Order of United American Mechanics
- National Fraternal Society of the Deaf
- National Mutual Benefit
- National Slovak Society of the USA
- Neighbors of Woodcraft
- North American Swiss Alliance
- North American Union Life Assurance Society
- Order of the United Commercial Travelers America
- Order of the Sons of Italy in America (OH)
- Orthodox Society of America
- Polish Falcons of America
- Polish National Alliance of Brooklyn
- Polish National Alliance U.S. of North America
- Polish Roman Catholic Union of America
- Polish Union of America
- Polish Women's Alliance of America
- Generali (U.S. branch)
- Grand Lodge of Penn Order Sons of Italy
- Independent Order of Foresters (U.S. branch)
- ISDA Fraternal Assoc.
- Order of the Sons of Italy in America (IL)
- Polish National Union of America
- Penn Ohio Life Insurance Co.
- Polish Beneficial Association
- Police & Firemen's Insurance Assoc.
- Polish Union of U.S. of North America
- Providence Assoc. Ukrainian Catholics
- Russian Independent Mutual Aid Society
- Russian Orthodox Catholic Mutual Aid Society
- Portuguese Continental Union of the U.S.A.
- Royal Neighbors of America
- Russian Brotherhood Org of the U.S.A.
- Russian Orthodox Catholic Women's Mutual Aid
- Russian Orthodox Fraternity Lubov
- Serb National Federation
- Slavonic Benevolent Order of Texas
- Slovak Catholic Sokol
- Slovak Gymnastic Union Sokol U.S.A.
- Slovene National Benefit Society
- Sociedade do Espirito Santo
- Sociedade Portuguesa Rainha Santa
- Sons of Norway
- Supreme Council of the Royal Arcanum
- Temple Benefit Fund
- Texas Founders Life Insurance Co.
- Travelers Protective Assoc. of America
- Ukrainian Fraternal Assoc.
- Ukrainian National Aid Assoc. of America
- Ukrainian National Assoc. Inc.
- Uniao Portugueza Protectora
- Union & League of Romainian Society
- Union of Poles in America
- United Societies of the U.S.A.
- United Transportation Union Insurance Assoc.
- Western Catholic Union
- Western Fraternal Life Assoc.
- William Penn Assoc.
- Woman's Life Insurance Society
- Working Men's Beneficial Society of Pittsburgh
- Workmens Benefit Fund of the U.S.A.
- Workmens Circle
- WSA Fraternal Life
- United Lutheran Society
- United States Letter Carriers Mutual Benefit
- Woodmen of the World Assoc.
- Preferred Employers Insurance Co.
- La Porte Life Insurance Co.
- MIIX Insurance Co.
- Netcare Life & Health Insurance Co.
- Olivia Life Insurance Co.
- Basney Auto Group Life Insurance Co.
- Sloans Lake Health Insurance Co.
- Southern Financial Life Insurance Co. (KY)
- Trailblazer Insurance Co.
- Touchpoint Insurance Co. Inc.
- Orange Security Life Insurance Co.
- Premier Access Insurance Co.
- American Independent Network Insurance Co.
- Family Health Care Plus, Inc.
- Hallmark Life Insurance Co.
- Crown Life Insurance Co. (U.S. branch)
- Clarica Life Insurance Co. (U.S. branch)
- Xantus Healthplan of Tennessee
- Admiral Indemnity Co.
- MetLife Inc.
- Independence Insurance Inc.
- Knights of Peter Claver
- Overton Life Insurance Co.
- Shawmut Life Insurance Co. Inc.
- Censtat Life Assurance Co.
- Connecticut Life Insurance & Annuity Co.
- SBLI USA Mutual Life Insurance Co.
- John Hancock Financial Services Inc.
- Northern Fraternal Life Insurance Co.
- Lutheran Fraternal of America Life
- Delaware Volunteer Firemens & Ladies Aux Mutual Relief
- Grand Court of Calanthe
- Key Risk Insurance Co.
- National Partners Group Life Insurance Co.
- Cherob Life Insurance Co.
- Selected Funeral Insurance Co.
- Golden Gate Captive Insurance Co.
- Resnick Wulbert & Resnick Life Insurance Co.
- Tufts Insurance Co.
- Dalos Life Insurance Co.
- First Care Inc.
- Grand River Life Insurance Co.
- Horizon Healthcare Insurance Co. of Delaware
- Hardin County Life Insurance Co.
- Independence Indemnity Insurance Co.
- MONY Group Inc.
- Nissan Motor Life Insurance Corp.
- Adams Life Insurance Co.
- Billion Life Insurance Co.
- Pacific Century Life Insurance Corp.
- Automobile Club of Southern California Insurance Co.
- Fleet Life Insurance Co.
- Great Southeastern Life Insurance Co.
- Association of Polish Women in America
- Sociedad Protection Mutual Trab Unidos
- District of Columbia Hebrew Beneficial Assoc.
- Electrical Workers Benefit Assoc.
- National Society of Health
- First Windish Fraternal Benefit Society of America
- Grand Lodge of Hermann Sisters
- Hibernian Life Insurance Fund of Minnesota
- Greek Catholic Carpatho Russian Benefit Society
- Labor Zionist Alliance
- Danish Brotherhood in America
- Christian Brotherhood
- Italo American National Union
- Life Insurance Society of America
- Reliant Life Insurance Society
- Most Worshipful Prince Hall Grand Lodge
- Grand Lodge Knights of Pythias (AL)
- Independent Order of Universal Brotherhood
- Sons & Daughters of Levi
- Independent Order of Good Samaritans
- Moses Life Insurance Assoc.
- United Order of Tents of JR Giddings
- First Slovak Wreath of the Free Eagle
- Union Saint Jean Baptiste
- Grand Chapter Order of Eastern Star
- United Travelers Insurance Co.
- Supreme Camp of American Woodmen
- Sloga Fraternal Life Insurance Society
- Presbyterian Beneficial Union
- Union of Polish Women in America
- Zivena Beneficial Society
- Polish White Eagle Assoc.
- United Polish Women in America
- Right Worth Grand Council Ind Order of Stl
- Prudential Financial Inc.
- Berkshire Life Insurance Co. of America
- Ohio National Financial Services Inc.
- American Equity Investment Life Holding Co.
- Phoenix Cos. Inc.
- CIHC Inc.
- StanCorp Financial Group Inc.
- Lion Connecticut Holdings Inc.
- NLV Financial Corp.
- Pacific LifeCorp
- OneAmerica Financial Partners Inc.
- Principal Financial Group Inc.
- Aetna Health Inc. (an Oklahoma corporation)
- HealthCare Partners LLC
- Sedgwick Claims Management Services Inc.
- Symetra Financial Corp.
- Prodigy Health Group Inc.
- GWLS Holdings Inc.
- Securian Life Insurance Co.
- Universal Health Care Insurance Co. Inc.
- TPG-Austin Portfolio Holdings LLC
- MedAmerica Insurance Co. of Florida
- Principal National Life Insurance Co.
- Medical Card System Inc.
- MCS Life Insurance Co.
- Primerica Inc.
- Good Samaritan Life Insurance Co.
- American General Assignment Services Trust
- Dearborn National Life Insurance Co. of New York
- American National Life Insurance Co. of New York
- MCS Health Management Options Inc.
- MCS Advantage Inc.

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