Gersten Financial and Insurance, Inc.
189 Reservoir Street Needham, MA 02494

800-925-7991
Supported Insurance Carriers
Company
Products
Ratings
American General Life LTG-ULTRA
LTG-ULTRA C
ROP Level Term
A.M. Best:
S&P:
Moody's:
Fitch:
A++
AA+
Aa1
AA+
American Mayflower Life Insurance Company of New York Term 5/10/15/20/30
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA-
Aa3
AA-
American National Affinity II Term
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
NR
NR
Assurity Life Insurance Company Acci-Flex
LifeScape
Non-Med Term
Term 250+
A.M. Best:
S&P:
Moody's:
Fitch:
A-
-
-
-
Bankers Life of New York BL-Term DeLuxe
A.M. Best:
S&P:
Moody's:
Fitch:
A
A+
NR
A
Banner Life Advantra UL- Policy form #UL-95-1
OPTerm 10, 15, 20, 30
Policy form #RT-97
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
NR
NR
Chase Insurance Certain-T
Complete Term
CVT
Super-T
A.M. Best:
S&P:
Moody's:
Fitch:
A
A+
A2
NR
Chase Insurance Life Company of New York Certain-T (NY)
Super-T (NY)
A.M. Best:
S&P:
Moody's:
Fitch:
A
A+
A2
NR
Companion Life Of New York Priority Term 10, 15, 20, & 30
A.M. Best:
S&P:
Moody's:
Fitch:
A
AA-
NR
AA-
Empire General EG Term Series 10, 15, 20, 30
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
NR
AA-
First Colony Life Insurance Company Colony 5/10/15/20® and Colony 30®
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA-
Aa3
AA-
First Penn-Pacific Life Insurance Company LifeStyle Select UL Policy Form BT-1101 Series
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA-
A1
AA
General Electric Capital Assurance Company Sure Term® 5/10/15/20/30
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA-
Aa3
AA-
Indianapolis Life Insurance Series 1000 10, 15, 20-Year
A.M. Best:
S&P:
Moody's:
Fitch:
A
A+
A3
A
Jackson National Life JNL Protector Term Series
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
A1
AA
Jackson National Life of New York Protector
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
A1
AA
Jefferson Pilot Financial JPF Prelude Plus
A.M. Best:
S&P:
Moody's:
Fitch:
A++
AAA
Aa2
AA+
Life Investors Insurance Company of America Ultima Elite Term
Ultima Home Protector
Ultima Home Protector Plus
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
Aa3
AA+
Lincoln Benefit Life GT Gold
GT Platinum
Level Best Gold
Level Best Platinum
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
Aa2
NR
Lincoln National Life GTO 10, 15, 20, 25, 30
Lifestyle Select
STO 20, 30
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA-
Aa3
AA
MetLife Investors USA Insurance Company GLT 10, 15, 20, 30
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
Aa2
AA
MONY, An AXA Financial Company MONY Level Term
A.M. Best:
S&P:
Moody's:
Fitch:
A+
A+
Aa3
AA
North American Company for Life and Health Insurance Impact Plus Series
A.M. Best:
S&P:
Moody's:
Fitch:
A
AA
WR
NR
Ohio National Flex Term Series III
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
A1
NR
Old Republic Life Gold Series 5, 10, 15 & 20
Star Series 10, 15, 20 & 30
A.M. Best:
S&P:
Moody's:
Fitch:
A-
A
NR
NR
Principal Life Insurance Company Principal Term
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
Aa2
AA
Protective Life (PPGA) Protective Life PT-10/10, PT-15/15, PT-20/20, PT-30/30 - Policy Form #TL-06



Protective Life VT- 10/10, VT- 15/15, VT-20/20, VT-30/30 - Policy Form #TL-06


A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
Aa3
AA-
Protective Life and Annuity of NY (WCL) Empire Term Series
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
Aa3
AA-
Prudential Financial Term Elite 10, 15, 20
Term Essential 10, 15, 20, 30
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA-
Aa3
AA-
Reliastar Life Insurance Company TermSmart
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
Aa3
AA
ReliaStar Life Insurance Company of New York TermSmart NY
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
Aa3
AA
The Cincinnati Life Insurance Company Life Horizons Term (CLI-123)
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA-
NR
AA
Transamerica Financial Life Insurance Company Trendsetter® Super Series
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
Aa3
AA+
Transamerica Long-Term Care Products coming soon!
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
Aa3
AA+
Transamerica Occidental Life Insurance Company Trendsetter® Super Series
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
Aa3
AA+
Transamerica Variable Life Products coming soon!
A.M. Best:
S&P:
Moody's:
Fitch:
-
-
-
-
Travelers Life & Annuity Special T
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
Aa2
AA
U.S. Financial Aries Series
A.M. Best:
S&P:
Moody's:
Fitch:
A+
BBpi
NR
NR
U.S. Life LTG Ultra NY
LTG Ultra-C NY
A.M. Best:
S&P:
Moody's:
Fitch:
A++
AA+
Aa1
AA+
Union Central Level Term 10, 15, 20, 30
A.M. Best:
S&P:
Moody's:
Fitch:
A-
A-
NR
A
United of Omaha Priority Reward 30
Priority Term 10, 15, 20, & 30
A.M. Best:
S&P:
Moody's:
Fitch:
A
AA-
Aa3
AA-
West Coast Life Golden G Series
Golden V Series
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
Aa3
AA-
William Penn Penn Advantra UL
Penn Term Series
A.M. Best:
S&P:
Moody's:
Fitch:
A+
AA
NR
NR
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