Financially strong company ratings

Backed by the financial strength of a multinational powerhouse our life insurance ratings are among the best. 

Our Commitment

Keeping our products affordable, protecting your retirement, and providing high quality, efficient customer service are just the fundamentals for us. Our long history demonstrates our experience in every kind of economic climate. Today, we are evolving to better meet our customers' needs in a more dynamic world.

Our story by the numbers

Approximately 98% Investment Grade Portfolio
The Legal & General America operating companies are among the most financially sound life insurers. Our investment portfolio is conservatively positioned and prudently managed. It's highly liquid and well diversified with approximately 98% investment grade corporate bonds and very highly rated structured securities.1

1.5 Million US Customers
That's the number of policy owners counting on us to help provide financial security for the people they have so carefully chosen to protect.1

New Coverage Ranks Us #2
Legal & General America is ranked as number two provider of term life insurance in the US, issuing more than $57 billion in new coverage in 2020. We also issued approximately $1.6 billion in new annuity contracts in 2020 to over 26,000 annuitants. 2

$782 Billion of Coverage In Force
Legal & General America is growing; our life insurance in force is over $782 billion.1

Over $6.8 Billion in Assets
Another testament to our financial strength, the Legal & General America operating companies has over $6.8 billion in assets at year-end 2020. 3

Capitalization is More Than Double the Industry Average
The capitalization level of a company is particularly meaningful because it measures a company's solvency. It assesses the level of a company's assets available to pay future liabilities; such as current and future policyholder benefits. On this basis, we are particularly strong. The Pure Capital Ratio measures the cushion a company has against a decline in the value of its assets. Our Pure Capital Ratio was 17.8%, which is higher than the industry average of 12.1%.4

Delivering value and security

Our strength is your financial security. With our long history of sustainability and expertise, you can be assured that we'll be here when you need us most.

  • Year-end 2020
  • 2020 LIMRA US Retail Individual Life Insurance Sales by Channel
  • Statutory Returns 2020
  • Year-end 2020 ALIRT Insurance Research

Financial strength ratings




A COMDEX score is a composite of all the financial strength ratings a company has received, ranging from 1-100. Not many life companies have a score as high as ours. 


Very Strong Rating Fitch and S&P

S&P's has been rating the financial strength of insurance companies for over 40 years. They reaffirmed the AA- (Very Strong) rating we share with our parent company. Fitch Ratings reaffirmed the Insurer Financial Strength (IFS) ratings at AA- (Very Strong).


Superior Rating A.M. Best
A.M. Best financial strength rating is an independent opinion of an insurer's overall financial strength and ability to meet its ongoing obligations.