Independent Ratings

A.M. Best (as of April 2018)
A+ (Superior)
[This rating is assigned to companies that have, on balance, superior balance sheet strength, operating performance and business profile when compared to the standards established by A.M. Best Company. These companies have a very strong ability to meet their ongoing obligations to policyholders.]

"The ratings for Mutual of America Life Insurance Company reflect its niche market position as a provider of retirement products to non-profit organizations, strong quality of surplus, investment portfolio of good credit quality, strong asset/liability management and continued positive earnings."

A.M. Best Full Report (as of April 2018)

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"Best's Ratings are under continuous review and subject to change and/or affirmation. To confirm the current rating, please visit the A.M. Best web site,"
S&P Global Ratings (as of August 2018)
AA- (Very Strong)
[This rating is assigned to life insurance companies that have very strong financial security characteristics, differing only slightly from those rated higher.]

"[Reflects Mutual of America's] strong competitive position, based on a well-established market position as a provider of retirement products and services predominantly to small and midsize nonprofit organizations."

"Extremely strong capital adequacy as measured by our capital model. Financial risk profile supported by a high-quality investment portfolio and product profile that is less capital intensive relative to peers."

S&P Global Ratings Full Report (as of August 2018)

Fitch Ratings (as of October 2018)
AA- (Very Strong)
"Mutual of America's rating is based on the company's established strong niche position in the small to midsized not-for-profit pension market, extremely strong balance sheet fundamentals and conservative investment portfolio."

"Fitch continues to view Mutual of America as having one of the more conservative investment portfolios in the Fitch universe. The company's investments are liquid and primarily concentrated in investment-grade corporates and Agency MBS."

Fitch Full Report (as of December 2017)

While these ratings do not apply to the safety or investment performance of the Separate Account investment funds available under Mutual of America's products, they do reflect the Company's ability to fulfill its General Account obligations, which include its obligations under the Interest Account, annuity purchase rate guarantees and annuity benefit payouts, as well as life insurance and disability income payments. Third party ratings are subject to change. A.M. Best, S&P Global Ratings and Fitch Ratings are independent rating agencies. S&P® is a trademark of Standard & Poor's Financial Services LLC.

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