Allianz financial ratings

What are financial ratings?

One way to measure a financial company’s strength is through its financial ratings. These ratings are an independent assessment of an insurer’s ability to meet its long-term obligations and guarantees.

Ratings are awarded by independent ratings agencies, which look at a variety of factors – such as liquidity, business strategy, management, and more.

Because any financial product is only as strong as the company behind it, it’s important to consider an insurer’s financial ratings before you buy a long-term financial product such as an annuity or life insurance.

Our history of strong financial ratings.

In financial services, three of the most widely respected ratings agencies are A.M. Best, Moody’s, and Standard & Poor’s. These agencies’ ratings provide a snapshot of an institution’s financial health – and consistently high ratings can offer reassurance of a company’s strength over the long term.

Current ratings

A+

The A.M. Best rating of A+ (Superior)

A+ is the second-highest of 16 possible ratings and was affirmed in March 2024.

A.M. Best ratings.
Historical Ratings
2015 - 2024	A+
2005 - 2015	A
2004 - 2005	A+

Aa3

The Moody’s rating of Aa3

Aa3 is the fourth-highest of 21 possible ratings and was affirmed in September 2023 and reviewed again in September 2024 resulting in no action.

Moody's ratings.
Historical Ratings
2023 - 2024	Aa3
2017 - 2023	A1
2004 - 2017	A2

The Standard & Poor’s rating of AA (Very strong)

AA is the third-highest of 21 possible ratings and was affirmed in June 2024.

Standard & Poor's ratings.
Historical Ratings
2007 - 2024	AA
2004 - 2007	AA-

What to know about the ratings agencies.

founded in 1899
largest and oldest independent insurance analyst in the U.S.
bases ratings on financial results and qualitative evaluations

has rated insurance companies since 1986
bases ratings on business fundamentals
focuses on financials, franchise value, and management

independent provider of credit ratings for more than 150 years
bases ratings on quantitative and qualitative evaluations
focuses on an insurer’s financial security characteristics

These independent agency ratings are based on an analysis of financial results and an evaluation of management objectives, strategies, and risk management programs. The ratings do not pertain to the variable option(s), which fluctuate with market conditions. The ratings do not indicate approval by the analysts and are subject to change.

Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Variable annuity guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.

Products are issued by Allianz Life Insurance Company of North America. Registered index-linked annuities (RILAs) are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.542.5427 www.allianzlife.com

This content does not apply in the state of New York.

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Allianz financial ratings

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