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What the rating agencies say

Our financial strength ratings

New York Life Insurance Company and its subsidiary, New York Life Insurance and Annuity Corporation, earn the highest financial strength ratings currently awarded to any life insurer by all four major ratings agencies. Current ratings for the two companies are as follows:

Rating Agency	Financial Strength Ratings	Date of Latest Action	Recent Reports
AM Best	A++	June 5, 2012	Press Release: (6/5/2012) Analysis: (7/30/2012)
Fitch Ratings	AAA	February 1, 2013	Press Release: (2/1/2013) Analysis: (8/1/2012)
Moody’s Investors Service	Aaa	December 11, 2012	Press Release: (12/11/2012) Analysis: (10/7/2011)
Standard & Poor's	AA+	August 8, 2011	Press Release: (8/8/2011) Full Analysis: (8/22/2012)

Notes:

A.M. Best (Financial Strength): A Best's Financial Strength Rating is an opinion of an insurer's ability to meet its obligations to policyholders.

"The Best's Rating Report(s) reproduced on this site appear under license from A.M. Best and do not constitute, either expressly or implied, an endorsement of (Licensee)'s products or services. A.M. Best is not responsible for transcription errors made in presenting Best's Rating Reports. Best’s Rating Reports are copyright © A.M. Best Company and may not be reproduced or distributed without the express written permission of A.M. Best Company. Visitors to this web site are authorized to print a single copy of the Best’s Rating Report(s) displayed here for their own personal use. Any other printing, copying or distribution is strictly prohibited."

"Best's Ratings are under continuous review and subject to change and/or affirmation. To confirm the current rating, please visit the A.M. Best web site, www.ambest.com."

Fitch Ratings (Insurer Financial Strength): Fitch Ratings’ Insurer Financial Strength rating provides an assessment of the financial strength of an insurance organization and its capacity to meet senior obligations to policyholders and contract holders on a timely basis.

Moody's (Financial Strength): Moody's Insurance Financial Strength Ratings are opinions of the ability of insurance companies to repay punctually senior policyholder claims and obligations.

Standard & Poor’s, a division of The McGraw-Hill Companies, Inc., provides independent financial information, analytical services, and credit ratings to the world’s financial markets. For more information on Standard & Poor’s, visit http://www.standardandpoors.com.

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“Basically, the younger you are, the lower the price will be to insure you.”

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“Basically, the younger you are, the lower the price will be to insure you.”