A.M. Best · A · A-
Excellent rated annuity carriers
A and A- are the two ratings A.M. Best classifies as Excellent. Both sit inside the secure range and indicate an excellent ability to meet ongoing insurance obligations. An A- rating is not a weak rating; the category matters more than the modifier attached to it.
Carriers in the Excellent tier
| Carrier | A.M. Best | Category | Outlook | Headquarters |
|---|---|---|---|---|
| F&G Annuities | A | Excellent | Not recorded | Des Moines, Iowa |
| Lincoln Financial | A | Excellent | Not recorded | Fort Wayne, Indiana |
| AmFirst (Axonic) | A- | Excellent | Not recorded | United States |
| Delaware Life | A- | Excellent | Not recorded | Zionsville, Indiana and Waltham, Massachusetts |
Outlook is shown only where one has been recorded in the AnnuityScore carrier network.
What the Excellent category actually says
Excellent is the second category on the A.M. Best scale and covers the A and A- ratings. Both are inside what A.M. Best treats as the secure range.
Owners frequently read A- as a warning sign. It is not one. A- is one notch below A and two below A+, and it remains within the same Excellent category — the minus is a modifier, not a separate grade.
Carriers in this tier are often growth-stage or privately held issuers competing on crediting terms. That can mean stronger rates alongside longer surrender schedules, which is exactly the trade-off a contract review is meant to surface.
Compare with other tiers
Confidential
Strength is one pillar of five
The Annuity Position Score™ reads your own contract against Cost, Surrender, Riders, Rate and Fit.
Get My Free ScoreEducational content only. AnnuityScore is not affiliated with, endorsed by, or acting on behalf of any carrier named on this page. A.M. Best ratings and outlooks are as recorded in the AnnuityScore carrier network and are subject to change; A.M. Best is the authoritative source. Nothing here is a recommendation or a solicitation.