2019 US Life

Financial Strength Rankings using Artificial Intelligence

Top rated6 of 26
Best rating46.7 %
Worst rating-1.83 %
New companies5
Negative Economic Capital Ratio

National Western Life Group Inc climbed 6 positions from 13 to 7 due to its excellent Liability for Future Policy Benefit.Protective Life Insurance Co lost 6 positions from 14 to 20 due to its bad Debt Securities, Available-for-sale.Globe Life INC entered the 2019 ranking at rank 6, making it the best newcomer.The biggest company by assets, Prudential Financial INC, is only ranked at place 19 whereas the smallest company, Texas Republic Capital Corp, is financially stronger at rank 1.

Revenues178 B
Assets2.49 K
Expenses161 B
Stockholders Equity165 B
Unprofitable Companies
RankCompanySealRating ValueTrend
1Texas Republic Capital Corp46.69%0.0
2Independence Holding Co31.07%0.0
3National Security Group INC17.81%2.0
4UTG INC15.00%0.0
5Atlantic American Corp13.77%-2.0
6Globe Life INC11.30%0.0
7National Western Life Group Inc9.72%6.0
8Everlake Life Insurance Co9.12%2.0
9Us Alliance Corp8.56%-3.0
10Primerica Inc8.28%2.0
11Federal Life Group Inc5.89%0.0
12Reinsurance Group Of America INC5.83%-4.0
13FBL Financial Group INC5.39%-2.0
14Brighthouse Life Insurance Co4.44%0.0
15Athene Holding Ltd4.28%1.0
16First Trinity Financial Corp4.20%2.0
17Citizens INC3.79%0.0
18Metropolitan Life Insurance Co3.60%2.0
19Prudential Financial INC2.73%3.0
20Protective Life Insurance Co2.68%-6.0
21Lincoln National Life Insurance Co In2.21%0.0
22Riversource Life Insurance Co2.11%3.0
23Protective Life Corp2.02%-6.0
24Voya Retirement Insurance Annuity Co1.44%4.0
25American National Group Inc1.25%-2.0
26FGL Holdings-1.83%0.0
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

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