Insurance Advisory
GARLIKOV & ASSOCIATES, INC. specializes in developing innovative and strategic financial solutions for highly successful entrepreneurs, families, and businesses. We use our expertise to help our clients make informed decisions based on the appropriate criteria for each unique situation and financial goal.
Recognized as “the professionals’ professional,” we design, implement, administer, and monitor product performance of customized programs to meet client goals utilizing tax-advantaged life insurance as a liquidity tool.
Innovative, cost-effective solutions that meet client-specific needs are developed by an experienced staff of business, tax, and insurance industry specialists who know industry issues and stay abreast of constantly changing government regulations so they can respond quickly to the ever-changing environment.
GARLIKOV & ASSOCIATES, INC. is the first central Ohio Member Firm of the nationally recognized M Financial Group. Since our partnership began with M Financial in 1981, our clients have received privileged access to nationally recognized experts, proprietary products, research and technology, all of which complement our highly professional staff.
GARLIKOV & ASSOCIATES, INC. provides client access and exceptional service on which you can rely.
CARRIER RATINGS
Below are the insurance financial strength ratings for Carriers from A.M. Best, Standard & Poor’s, Moody’s, and Fitch. The ratings apply to each company’s financial strength, which measures its ability to pay policyholder claims and obligations.
Carrier Financial Strength Ratings as of July, 2016 |
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| A.M. Best | Standard & Poor’s | Moody’s | Fitch Ratings | Comdex* | |
| Partner Carriers | |||||
| John Hancock | A+ | AA- | A1 | AA- | 92 |
| Nationwide | A+ | A+ | A1 | NA | 89 |
| Pacific Life | A+ | AA- | A1 | A+ | 87 |
| Prudential | A+ | AA- | A1 | A+ | 90 |
| TIAA-CREF Life Insurance Company | A++ | AA+ | Aa1 | AAA | 99 |
| UNUM | A | A | A2 | A | 77 |
| Associate Carriers | |||||
| VOYA – Security Life of Denver | A | A- | A2 | A | 77 |
| Lincoln National | A+ | AA- | A1 | A+ | 90 |
| Symetra | A | A | A2 | A | 77 |
| Specialty Carriers | |||||
| Sun Life | A+ | AA- | NA | NA | 95 |
| Others Carriers | |||||
| Penn Mutual Life Ins Co | A+ | A+ | Aa3 | NA | 91 |
| American General Life Insurance Co | A | A+ | A2 | A+ | 80 |
| MassMutual | A++ | AA+ | Aa2 | AA+ | 80 |
| MetLife Ins Co USA | A+ | A+ | Aa3 | AA- | 92 |
| Minnesota Life Ins Co | A+ | A+ | Aa3 | AA | 92 |
| Transamerica Life Ins | A+ | AA- | A1 | AA- | 95 |
| Guardian Life | A++ | AA+ | Aa2 | AA+ | 98 |
| Zurich | A | A | A3 | NA | 75 |
GARLIKOV & ASSOCIATES, INC. and their agents are presently licensed to sell traditional life insurance in AZ, CA, CO, FL, IL, IN, KY, LA, MI, MO, NJ, NY, NC, OH, PA, VA, WV. Insurance services are limited to residents of the above-listed states. *Licenses to other states can be acquired with advance notice.
Variable life and annuity products, and/or other securities products, may be sold in AZ, CA, CO, DE, FL, GA, ID, IL, IN, KY, LA, MA, MI, MN, MO, NJ, NY, NC, OH, OK, OR, PA, VA, WV, and WI. Securities services are limited to residents of the above-listed states. *Licenses to other states can be acquired with advance notice. Proper state registration is mandatory prior to conducting business in any state.
GARLIKOV & ASSOCIATES, INC. is a member of M Financial Group. Please go to mfin.com and click on "Disclosure" at the bottom of the home page for further details regarding this relationship.
Securities offered through The Leaders Group, Inc. Member FINRA / SIPC, 26 West Dry Creek Circle, Suite 800, Littleton, CO 80120 tel: (303) 797-9080. Investment Advisory Services Offered through GARLIKOV ADVISORS, INC., a Registered Investment Advisor. THE GARLIKOV COMPANIES is independently owned and operated and is not affiliated with The Leaders Group, Inc. Check the background of this Firm and/or investment professional on FINRA's BrokerCheck.
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