Integrity Life Insurance Company

Integrity Life Insurance Company

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Financial Ratings

A.M. Best A+Superior

About Integrity Life Insurance Company

Integrity Life Insurance Company, established in 1966 and headquartered in Cincinnati, Ohio, is a subsidiary of Western & Southern Financial Group, a mutual financial services enterprise founded in 1888. Integrity Life specializes in offering a comprehensive suite of annuity and life insurance products designed to provide long-term financial security and retirement income solutions. The company operates across the United States, excluding New York, where its affiliate, National Integrity Life Insurance Company, serves clients. 

Integrity Life’s product portfolio includes fixed, variable, and indexed annuities, as well as life insurance policies tailored to meet diverse financial planning needs. Notably, the company offers Multi-Year Guaranteed Annuities (MYGAs), such as the MultiVantage series, which provide clients with guaranteed interest rates over specified periods, offering stability and predictable growth for retirement planning.

Financial Ratings

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Rating Agency

A.M. Best

Rating

A+

Description

Superior

Effective

July 2, 2009

Rating Agency

Fitch

Rating

AA

Description

Very strong

Effective

July 2, 2009

Rating Agency

Moody's

Rating

Aa3

Description

Excellent

Effective

March 27, 2009

Rating Agency

Standard & Poor's

Rating

AA-

Description

Very strong

Effective

September 10, 2018

Rating Analysis

Integrity Life Insurance Company maintains exceptionally strong financial strength ratings from the four leading independent credit rating agencies, underscoring its ability to meet long-term policyholder obligations. As of June 2025, the company holds an A+ (Superior) rating from A.M. Best, a widely respected authority on insurance company financials. Standard & Poor’s has assigned a rating of AA- (Very Strong), reflecting Integrity Life’s high claims-paying ability and low credit risk. Similarly, Fitch Ratings has given the company a AA (Very Strong) grade, citing its conservative asset management and resilient capital reserves. Moody’s Investors Service rated Integrity Life at Aa3 (Excellent), recognizing its sound operating performance and diversified product base. Additionally, Integrity Life holds a Comdex ranking of 96 out of 100, a composite score that places it in the top percentile of all insurers rated by multiple agencies. Collectively, these ratings signal a high degree of confidence in the company’s financial stability, prudent risk management, and long-term dependability.

Integrity Life Insurance Company Products

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