Carriers We Represent

Ratings Current as of July 01, 2010

Ratings Key

     A.M Best Rating Guide              S&P Rating Guide             Fitch's Rating Guide             Moody's Rating Guide

Company

A.M. Best

S&P

Fitch

Moody's

Allianz Life

A

AA

--

A2

Allianz Life of NY

A

AA

--

--

Allstate Life of NY

A+

AA-

A-

A1

American General Life

A

A+

A-

A1

American National

A

AA-

--

--

Assurity Life

A-

--

--

--

Aviva

A

AA-

A+

A1

AXA Equitable

A+

AA-

AA-

Aa3

Banner Life

A+

A+

--

--

Companion Life of NY

A+

AA-

--

--

First SunAmerica

A

A+

A-

A1

Genworth Life

A

A

A-

A2

Genworth Life and Annuity

A

A

A-

A2

Genworth Life of NY

A

A

A-

A2

Hartford

A

A

A-

A3

ING Reliastar Life

A

A+

A-

A2

ING Reliastar Life of NY

A

A+

A-

A2

ING Security Life of Denver

A

A+

A-

A2

ING USA Annuity

A

A+

A-

A2

Integrity Life

A+

AA+

AA

Aa3

John Hancock Life USA

A+

AA+

AA

Aa3

John Hancock NY

A+

AA+

AA

Aa3

Lafayette Life Insurance Company

A+

AA+

AA

--

Life of the Southwest

A

A

A+

A2

Lincoln Benefit Life

A+

AA-

A-

A1

Lincoln Financial Group

A+

AA-

A+

A2

Lincoln Life and Annuity of NY

A+

AA-

A+

A2

Mass Mutual

A++

AA+

AA+

Aa2

MedAmerica

B++

A-

--

--

MetLife Investors

A+

AA-

AA-

Aa3

Minnesota Life

A+

AA-

AA-

Aa3

Mutual of Omaha

A+

AA-

--

Aa3

National Life

A

A

A+

A2

National Western Life

A

A

--

--

Nationwide

A+

A+

A

A1

North American Company

A+

A+

--

--

Old Mutual Financial Network

A-

BB-

BB

Baa3

Old Mutual Financial Network of NY

A-

--

BB

--

Penn Mutual

A+

AA-

--

Aa3

Petersen International

A

--

--

--

Phoenix Life

B+

BB-

BB+

Ba2

Presidential Life

B+

--

--

--

Principal Financial Group

A+

A

AA-

Aa3

Protective Life of NY

A

--

--

--

Prudential Financial

A+

AA-

A+

A2

Reliance Standard

A

A

A-

A3

Savings Bank Life Insurance of Mass.

A+

--

--

--

Security Mutual Life

A-

--

--

--

Standard Insurance Company

A

AA-

A+

A1

Sun Life Financial

A

--

--

--

Sun Life Financial of NY

A+

AA-

AA-

--

Transamerica Life

A+

AA-

AA

A1

Transamerica Life of NY

A+

AA-

AA

A1

Union Central

A

A+

A+

--

United Home Life

A-

--

--

--

United of Omaha

A+

AA-

--

Aa3

United States Life of NY

A

A+

A-

A1

West Coast Life

A+

AA-

A

A2

Western National Life

A

A+

A-

A1

William Penn Life

A+

A+

--

--