Who Rates Life Insurance Companies? 
There are several organizations that rate life insurance companies in a number of categories from financial strength to customer service and claims paying ratings . I believe the most important are the 4 rating companies for financial strength . They are A.M. Best ; Fitch ratings ; Moody 's Investors ; and Standard & Poor 's . You want to look for companies that have `` A '' or `` AAA '' ratings to be sure they have the financial strength to pay the claims on the policy you purchase . 