Life insurance and annuity policies are unlike most. You are in a long-term relationship that can last 30 years or more, so you want to be absolutely confident about the financial security offered by your chosen provider.

The latest round of Q2, 2016, life insurance data analysis indicates stability in the life insurance business. The percentage of recommended (rated B+ or higher), life insurance companies has remained fairly consistent over the last two years. It went up as high as 16.2 percent in Q3, 2014, and as low as 15.1 percent in Q4, 2015, but the overall change of negative 0.4 percent from Q2, 2014, to Q2, 2016, is quite insignificant. And this suggests to us strong performance by life insurance companies.

This is what the ratings distribution looks like in Q2, 2016.

Over 54 percent of all rated life insurers fall within the A or B ratings category.

Based on the second quarter data, we upgraded 15 and downgraded 12 life insurance companies during that time. Click here to see a list of all recommended life insurers. Select your state and “Life Insurance” as the insurance type and click “View”.