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Independent Ratings of NWL

Most life insurance companies obtain one or more ratings from various independent rating agencies. These ratings help policyholders, agents, investors, and others evaluate the financial strength and stability of insurance companies.

National Western's ratings are:

  • "A" (Excellent) by A.M. Best, and
  • "A-" (Strong) by Standard & Poor's.

A.M. Best's ratings are based on specific factors related to the overall performance of an insurance company. An A.M. Best rating is indicative of the Company's financial strength, operating performance, and ability to meet its obligations to policyholders. Ratings range from A++ (superior) to F (in liquidation). The "A" rating identifies companies which have, on average, demonstrated excellent financial strength, operating performance, and market profile when compared to the industry standards established by A.M. Best. In the opinion of A.M. Best, an "A" - rated company has a strong ability to meet their ongoing obligations to policyholders.

Standard & Poor's ratings are an opinion of the financial security characteristics of an insurance organization with respect to its ability to pay out its insurance policies and contracts in accordance with their terms. Ratings range from "AAA" (extremely strong), to "CC" (extremely weak), and "R" (regulatory action regarding solvency).

Standard & Poor's Insurer Profile

A.M. Best Current Rating (PDF)


The Best's Rating Report(s) reproduced on this site appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of (Licensee)'s products or services. A.M. Best is not responsible for transcription errors made in presenting Best's Rating Reports. Best�s Rating Reports are copyright � A.M. Best Company and may not be reproduced or distributed without the express written permission of A.M. Best Company. Visitors to this web site are authorized to print a single copy of the Best�s Rating Report(s) displayed here for their own personal use. Any other printing, copying or distribution is strictly prohibited. Best's Ratings are under continuous review and subject to change and/or affirmation. To confirm the current rating, please visit the A.M. Best web site, www.ambest.com