Q: What is GCU's “Rating”?
The majority of Fraternal Benefit Societies do not maintain a rating issued by A. M. Best. Factors such as the size of the asset base, regional distribution, and business volume that leans more towards annuities than life insurance, are all detrimental in the rating system.
Since 1892, no GCU Member has ever lost a PENNY of their account value, nor has GCU failed to pay the promised crediting rate. While it's understood that many might look to a "rating" as an indicator of a company's strength, so should they also consider a company's longevity and track record. Finally, anyone familiar with the insolvency of the Executive Life Company can clearly see the lack of value in the rating that was assigned to them in advance of their collapse.