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Allianz financial ratings

Our consistently high ratings reflect our stability and strong balance sheet. We’ve maintained our high ratings in good times – and in bad. In fact, we were never downgraded during the last financial crisis.

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.

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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 September 2019.

A.M. Best ratings.
Historical Ratings
2015 - 2019 A+
2005 - 2014 A
2002 - 2004 A+
A1
The Moody’s rating of A1       

A1 is the fifth-highest of 21 possible ratings and was affirmed in September 2019.

Moody�s ratings.
Historical Ratings
2017 - 2019 A1
2003 - 2016 A2
2002 A1
AA
The Standard & Poor’s rating of AA (Very strong)

AA is the third-highest of 21 possible ratings and was affirmed in August 2019.      

Standard & Poor�s ratings.
Historical Ratings
2007 - 2019 AA
2003 - 2006 AA-
2002 - 2004 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
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  • has rated insurance companies since 1986
  • bases ratings on business fundamentals
  • focuses on financials, franchise value, and management
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  • 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
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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 investment options, which fluctuate with market conditions. The ratings do not indicate approval by the analysts and are subject to change.


Guarantees are backed solely by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. 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, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. Variable products are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297.

Product and feature availability may vary by state and broker/dealer.