2018 US Life

Financial Strength Rankings using Artificial Intelligence

Top rated7 of 28
Best rating63.8 %
Worst rating2.13 %
New companies6
Negative Economic Capital Ratio

Emergent Capital INC climbed 2 positions from 9 to 7 due to its excellent Liability for Future Policy Benefit.Talcott Resolution Life Insurance Co lost 7 positions from 19 to 26 due to its bad Separate Account, Liability.Independence Holding Co entered the 2018 ranking at rank 2, making it the best newcomer.The biggest company by assets, Prudential Financial INC, is only ranked at place 22 whereas the smallest company, Texas Republic Capital Corp, is financially stronger at rank 1.

Revenues169 B
Assets2.60 K
Expenses146 B
Stockholders Equity180 B
Unprofitable Companies
RankCompanySealRating ValueTrend
1Texas Republic Capital Corp63.77%0.0
2Independence Holding Co32.02%0.0
3Atlantic American Corp22.65%1.0
4UTG INC20.68%0.0
5National Security Group INC19.42%-2.0
6Us Alliance Corp19.00%-4.0
7Emergent Capital INC17.69%2.0
8Reinsurance Group Of America INC13.23%-2.0
9American National Insurance Co13.15%-4.0
10Everlake Life Insurance Co11.33%-3.0
11FBL Financial Group INC10.41%-1.0
12Primerica Inc9.14%-1.0
13National Western Life Group Inc9.08%-5.0
14Protective Life Insurance Co8.07%0.0
15Transamerica Advisors Life Insurance Co7.98%-1.0
16Athene Holding Ltd7.27%0.0
17Protective Life Corp7.05%0.0
18First Trinity Financial Corp6.89%-6.0
19Fidelity Guaranty Life5.21%-3.0
20Metropolitan Life Insurance Co4.94%-2.0
21Lincoln National Life Insurance Co In4.69%0.0
22Prudential Financial INC4.66%-5.0
23American National Group Inc3.27%-3.0
24Empower Annuity Insurance Co Of America2.81%-2.0
25Riversource Life Insurance Co2.24%-4.0
26Talcott Resolution Life Insurance Co2.17%-7.0
27Venerable Insurance Annuity Co2.16%-3.0
28Voya Retirement Insurance Annuity Co2.13%-5.0
RankCompanySealRating ValueTrend

Feature Distribution Plot

The Feature Distribution shows the main industry variables and the distribution of their impact on financial strength. The more important a variable, the broader the distribution. As the effects are calculated relative to the industry average, half of the companies have a positive effect (green) and half have a negative effect (red). 


Regression Plot

The Regression compares the forecasted company valuation with the observed stock market values. A positive correlation suggests that the model effectively explains market prices.


Feature Importance


United States Ratings

German Insurance Ratings