What the ratings represent
Ratings from agencies such as A.M. Best, Moody's, Standard & Poor's, and Fitch measure Fidelity & Guaranty Life's ability to meet policyholder obligations. They examine capital adequacy, earnings stability, and risk management, providing a snapshot of financial strength that helps consumers gauge long‑term reliability.
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Key rating agencies and their focus
Each agency uses its own methodology, so a single rating may differ across providers. Understanding the emphasis of each helps you interpret the numbers correctly.
| Agency | Primary focus | Typical rating scale |
|---|---|---|
| A.M. Best | Insurance‑specific financial health | Superior (A++) to Poor (D) |
| Moody's | Overall credit risk | Aaa to C |
| Standard & Poor's | Creditworthiness and debt capacity | AAA to D |
| Fitch | Credit risk and solvency | AAA to D |
Where to find current ratings
Visit the official websites of the rating agencies for the most recent reports. Fidelity & Guaranty Life also publishes its own rating summaries on its corporate site, often under an "Investor Relations" or "Financial Strength" section. Third‑party comparison tools like NerdWallet or Policygenius aggregate these scores, but always cross‑check with the primary source.
Factors that can affect future ratings
Ratings are not static; they respond to changes in:
- Investment portfolio performance
- Policyholder claim trends
- Regulatory developments
- Economic conditions that impact asset values
Monitoring quarterly earnings releases and regulatory filings (e.g., NAIC statements) provides early signals of potential rating adjustments.
How to use the ratings in your decision‑making
Treat the rating as one data point among several:
- Confirm the rating aligns across multiple agencies.
- Review the agency's rationale—look for notes on risk exposure or capital reserves.
- Consider your own risk tolerance and the product type (e.g., annuities vs. whole life).
- Check for any recent rating changes, which may indicate emerging concerns.
By combining agency ratings with your personal financial goals, you can make a more informed choice about purchasing or retaining a Fidelity & Guaranty Life policy.