Who Rates Annuities? 
Annuities are rated by independent financial rating companies . These companies specialize in evaluating and assigning a rating to different types of Financial Companies & Issuers . The main companies that do this are Standard & Poors -LRB- S&P -RRB- , Moodys , Fitch , A.M. Best , Weiss , & Comdex . It is important to know that each company has it 's own rating scale . And rating scales can also differ depending on which type of financial company is being evaluated . S&P has the easiest to understand rating scale ; AAA , AA + , AA , AA - , A + , A , A - , BBB , BB + , BB , BB - , B + , B , B - then the same for C then D and then F is default . 