Independent insurance industry analysts rate insurance companies on their financial stability and their ability to pay the claims presented to them. Liberty Life Insurance Company has been rated by two firms. 

A.M. Best Company: A (Excellent) 

A.M. Best has been recognized as a leading firm in analyzing the financial strength of insurance companies since 1899. Ratings are based on its current opinion of a company's financial ability to meet its obligations to policyholders. "A" is the third highest of sixteen ratings and is assigned to companies Best believes demonstrate excellent overall performance.

Fitch Ratings: A+ (Strong) 

Formed through a merger of Duff & Phelps Credit Rating Co. and Fitch IBCA, Fitch Ratings evaluates entities in 75 countries, including more than 700 insurance companies. Liberty Life Insurance Company's A+ rating reflects its strong capacity to meet policyholder and contract obligations. Risk factors are moderate, and the impact of any adverse business and economic factors is expected to be small. "A" is the third highest of twelve ratings and is assigned to companies Fitch Ratings believes demonstrate strong overall performance. "+" or "-" indicates the relative position of a credit within the rating category.