I have yet to meet an agency with their professionalism and pleasant attitude. They made my life easier and secure; never over insured or under insured. They provided the information and recommended the necessary options without over selling a product. I have recommended Set for Life to family members and friends.

— Ashraf Sedhom, BDS, MD, Oral Surgeon, Aurora, CO

Company A.M. Best Standard & Poor’s Moody’s Fitch Ratings Comdex
Berkshire / Guardian A++ (1) AA+ (2) Aa2 (3) AA+ (2) 98
MassMutual A++ (1) AAA (1) Aa1 (2) AAA (1) 99
Metropolitan Life A+   (2) AA- (4) Aa2 (3) AA   (3) 94
Principal Life A+   (2) AA- (4) Aa2 (3) AA-  (4) 92
Standard Insurance A     (3) AA- (4) A1  (5) A+    (5) 84
Union Central A     (3) AA- (4) A+    (5) 85

Berkshire/Guardian

About Guardian

Founded in 1860, The Guardian Life Insurance Company of America, New York, NY (Guardian) is one of the largest mutual life insurance companies in the United States. Guardian and its subsidiaries protect individuals, small business owners, and their employees with life, disability, health, long-term care, and dental insurance products, and offer 401(k), annuities and other financial products and trust services. More information about Guardian can be obtained at their website, www.guardianlife.com.

About Berkshire

Berkshire Life Insurance Company of America, Pittsfield, Mass. (Berkshire), is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, N.Y. Its key missions are to grow Guardian’s disability income and long-term care lines of business and to research and develop new insurance products. More information about Berkshire can be obtained at their website, www.berkshirelife.com.

Lloyds of London

Starting with its roots in marine insurance, Lloyds’s has grown over 300 years to become the world’s leading market for specialist insurance. Lloyd’s is home to 46 managing agents and 75 syndicates, which offer an unrivalled concentration of specialist underwriting expertise and talent. Lloyd’s is the world’s best known - but probably least understood - insurance brand. This is because Lloyd’s is not an insurance company but a society of members, both corporate and individual, who underwrite in syndicates on whose behalf professional underwriters accept risk. Supporting capital is provided by investment institutions, specialist investors, international insurance companies and individuals. Lloyd’s brokers bring business to the market. The risks placed with underwriters originate from clients and other brokers and intermediaries all over the world. Together, the syndicates underwriting at Lloyd’s form one of the world’s largest commercial insurers and a leading reinsurer. More information about Lloyds of London can be obtained at their website, www.lloyds.com.

MassMutual

Founded in 1851, Massachusetts Mutual Life Insurance Company (MassMutual) is a mutually owned financial protection, accumulation, and income management company headquartered in Springfield, Massachusetts. They are a provider of life insurance, disability income insurance, long-term care insurance, annuities and retirement planning products, income management and other products and services for individuals, business owners, and corporate and institutional markets. More information about MassMutual can be obtained at their website, www.massmutual.com.

MetLife

Established in 1868, Metropolitan Life Insurance Company is today the largest life insurer in the United States based on life insurance in force. MetLife is a subsidiary of MetLife, Inc. The MetLife companies offer life insurance, annuities, auto and home insurance, retail banking and other financial services to individuals, as well as group insurance and retirement & savings products and services to corporations and other institutions. More information about MetLife, Inc. can be obtained at their website, www.metlife.com.

Principal Financial Group

Founded in 1879, the Principal Financial Group® (The Principal®) offers businesses, individuals and institutional clients a wide range of financial products and services, including retirement and investment services, life and health insurance and banking through its diverse family of financial services companies. More information about Principal Financial Group can be obtained at their website, www.principal.com

Standard Insurance

StanCorp Financial Group, Inc., through its subsidiaries marketed as The Standard - Standard Insurance Company, The Standard Life Insurance Company of New York, Standard Retirement Services, StanCorp Investment Advisers, StanCorp Equities, StanCorp Trust Company and StanCorp Mortgage Investors - is a provider of financial products and services. StanCorp’s subsidiaries provide group and individual disability insurance, group life, AD&D and dental insurance, retirement plans products and services, individual annuities and investment advice. More information about Standard Insurance can be obtained at their website, www3.standard.com.

Union Central

Union Central is affiliated with the UNIFI Companies - Ameritas Life, Acacia Life, The Union Central Life Insurance Company and their affiliated companies. Through the UNIFI Companies, individuals, families and businesses can access a full range of products and services, including life insurance and annuities, disability insurance, group dental and eye care insurance, mutual funds, investments, retirement plans, banking, worksite benefits and public finance. More information about Union Central can be obtained at their website, www.unioncentral.com.

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