TARGET MARKET AM BEST S & P MOODY'S FITCH Whole Life Surv Whole Life Individual Universal Life Survivor Universal Life Term Individual Variable Survivor Variable Competitive Underwriting A+ A++  Aa1  AA+       Great Term Portfolio A++ AA Aa2 AA       MetLife Affiliate Company A+ AA Aa2 AA       Strong Universal Life Portfolio A++ AAA Aa2 AA+     Large Retention Great VUL A++ AA+ Aa2 AA+ Allstate Subsidiary Long-term UL Guarantee Aggressive Underwriting A+ AA+ Aa2       Aggressive Underwriting/Great Standard Rates/ Great VUL Funds/Reduction Program A+ AA- Aa3 AA No Lapse Guarantees Great UL and Term Rates A++ AA+ Aa2 AA+ Table Reduction Program Large Retention A++ AAA Aa1 AAA Large Retention Good Whole Life Portfolio A+ AA Aa2  AA         Great Variable Portfolio A+ AA Aa2 AA     Great WL and Variable Portfolio A++ AA+ Aa1 AAA Low premiums. Offers no lapse guarantees A+ AA+ Aa1 AA+         Great Rates on Universal and Variable Products A++ AA+ Aa3 AA+   Superior DB-focused VUL Very Large Retention aggressive Impaired Risk A A+ A1 AA-     Individual and Survivorship VUL A+ AA Aa2 AA         Great Product Portfoilio. All Products are available in NY only A+ AA Aa2 AA       Low Premium UL Excellent Rates A AA Aa2 AA             Strong Universal Life Products A+ AA Aa2 AA+         Southland Life Individual and Survivorship UL A+ AA Aa2 AA       Very aggressive Underwriting. Great Rates. No Lapse Guarantees A++ AA+  Aa2 AA Very aggressive Underwriting Competitive VUL/Great Rates No Lapse Guarantees A++ AA Aa1 AA+       Aggressive Underwriting Low Cost A AA-  Aa3 AA-       American General's NY Company A+ AA+ Aa1 AA+