Financial strength and stability
Industry-recognized strength
When you're looking for financial strategies to help you pave the way for what's ahead, it's important to work with a strong, stable carrier committed to delivering on its promises. Based on our financial strength, stability and position in the marketplace, EquiTrust has been awarded high marks by leading sources of insurer ratings.
Recognized among top life & health insurers
EquiTrust has been named to Ward's 504 for 11 consecutive years, recognizing our financial strength and consistent performance among 700+ U.S. life and health insurers. To be among the Ward's 50, each company must pass all safety and consistency screens, and have achieved superior performance over the five years analyzed.
Key financial metrics5
Company solvency
Our solvency ratio is strong—now 109.5%. The solvency ratio expresses financial soundness and a company's ability to meet policy obligations as they come due. Assets divided by each $100 in liabilities result in a solvency ratio, expressed as a percentage. The higher the percentage, the stronger the company's position to cover unforeseen emergency cash requirements.
Capital strength
EquiTrust is committed to meeting the financial obligations of our customers. Our goal is to be well capitalized through a range of economic scenarios, including prolonged downturns. Based on capital standards closely watched by insurance-industry regulators, EquiTrust is strongly capitalized and well positioned to fulfill our promises to our customers.
Growth of total assets
EquiTrust's total invested assets have increased from about $14.5 billion in 2014 to $37.8 billion at year-end 2025.
More info
1 A.M. Best "B++" (Good) rating as of August 18, 2012. A.M. Best has 13 active-company insurance company ratings and reflect the current and independent opinion of a company's ability to meet its obligations to policyholders, and are derived by evaluating a company's balance sheet strength, operating performance and business profile. A "B++" rating is the fifth highest of the active-company ratings. The A.M. Best rating scale is A++ (Superior), A+ (Superior), A (Excellent), A- (Excellent), B++ (Good), B+ (Good), B (Fair), B- (Fair), C++ (Marginal), C+ (Marginal), C (Weak), C- (Weak) and D (Poor). A.M. Best's ratings are not a warranty of an insurer's current or future ability to meet obligations to policyholders, nor are they a recommendation of a specific policy, contract, rate or claim practice.
2 All Fitch Ratings (Fitch) credit ratings are subject to certain limitations and disclaimers. Please read these limitations and disclaimers by following this link: https://www.fitchratings.com/understandingcreditratings. In addition, the following https://www.fitchratings.com/rating-definitions-document details Fitch's rating definitions for each rating scale and rating categories, including definitions relating to default.
3 Standard & Poor's Rating Services "A-" (Strong) rating as of July 2024. Standard & Poor's has eight financial strength ratings assigned to solvent insurance companies: AAA (Extremely Strong), AA (Very Strong), A (Strong), BBB (Good), BB (Marginal), B (Weak), CCC (Very Weak), CC (Extremely Weak). Plus (+) or minus (-) modifiers show the relative standing within the categories from AA to CCC.
4 Ward Group is part of Aon Hewitt, a business unit of Aon plc. (NYSE: AON).
5 Assets and financial highlights as of December 31, 2025, on a statutory basis.
EquiTrust products are distributed through independent insurance agents and are not available for direct purchase. This material is not intended to provide investment advice to you or to your specific situation. EquiTrust does not offer investment advice to any individual and this material should not be construed as investment advice.