A.M. Best A- rated

United Life Insurance Company Annuities — A- Rated

United Life Insurance Company is an A.M. Best A--rated annuity carrier. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.

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Current rating

A-

A.M. Best

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Carrier: United Life Insurance Company
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Financial Strength

A.M. Best A-

Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.

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About United Life Insurance Company

Founded in 1962 and headquartered in Cedar Rapids, Iowa, United Life Insurance Company is a subsidiary of United Fire Group and serves primarily through independent distribution channels across the U.S. The company specializes in life insurance and annuity solutions, with a focus on conservatively managed fixed annuity products. United Life emphasizes stable investment practices, transparent product design, and tailored support for financial professionals. Over six decades, the company has built a reputation for reliability in the retirement solution space.

Financial Strength In Plain English

An “A- (Excellent)” rating from A.M. Best signifies that United Life Insurance Company has demonstrated a strong ability to meet its ongoing insurance and annuity obligations under current financial conditions. While this rating does not place it at the absolute top tier (A or A+), it indicates the company is well-capitalized, maintains conservative reserves, and operates with prudent risk management—providing policyholders and contract owners with confidence in its claims-paying capacity.

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