CNO Financial Group Receives AM Best Rating Affirmation
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1 hour ago
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Should l Buy CNO?
Source: Newsfilter
- Rating Affirmation: AM Best has affirmed CNO Financial Group's Financial Strength Rating of A (Excellent) and Long-Term Issuer Credit Ratings of 'a' (Excellent), reflecting its strong balance sheet and stable operating performance.
- Business Growth: CNO has achieved sustained premium growth through a diversified range of income sources, with stable earnings growth across all lines of business further solidifying its market position, demonstrating resilience in a highly competitive market.
- Liquidity Advantage: CNO's liquidity is viewed as a key strength of its balance sheet, with its investment portfolio reliably yielding competitive returns, enhancing the company's financial stability.
- Risk Management Strategy: To address capital strain from rapid new business growth, CNO strategically utilizes reinsurance to transfer risk to its Bermuda subsidiary, CNO Bermuda Re Ltd, thereby optimizing its capital structure.
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Analyst Views on CNO
Wall Street analysts forecast CNO stock price to rise
3 Analyst Rating
3 Buy
0 Hold
0 Sell
Strong Buy
Current: 41.700
Low
47.00
Averages
48.00
High
50.00
Current: 41.700
Low
47.00
Averages
48.00
High
50.00
About CNO
CNO Financial Group, Inc. is a holding company for a group of insurance companies. It provides life and health insurance, annuities, financial services and workforce benefits solutions through its family of brands, including Bankers Life, Colonial Penn, Optavise and Washington National. It is focused on serving middle-income pre-retiree and retired Americans. It markets its products through the Consumer and Worksite Divisions that reflect the customers served by the Company. The Consumer Division serves individual consumers, engaging with them on the phone, virtually, online, face-to-face with agents, or through a combination of sales channels. The Worksite Division focuses on the sale of voluntary benefit life and health insurance products in the workplace for businesses, associations and other membership groups, interacting with customers at their place of employment and virtually. It also offers a suite of voluntary benefits, benefits administration technology and advocacy services.
About the author

Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
- Rating Affirmation: AM Best has affirmed CNO Financial Group's Financial Strength Rating of A (Excellent) and Long-Term Issuer Credit Ratings of 'a' (Excellent), reflecting its strong balance sheet and stable operating performance.
- Business Growth: CNO has achieved sustained premium growth through a diversified range of income sources, with stable earnings growth across all lines of business further solidifying its market position, demonstrating resilience in a highly competitive market.
- Liquidity Advantage: CNO's liquidity is viewed as a key strength of its balance sheet, with its investment portfolio reliably yielding competitive returns, enhancing the company's financial stability.
- Risk Management Strategy: To address capital strain from rapid new business growth, CNO strategically utilizes reinsurance to transfer risk to its Bermuda subsidiary, CNO Bermuda Re Ltd, thereby optimizing its capital structure.
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- Rating Affirmation: AM Best has affirmed CNO Financial Group's Financial Strength Rating of A (Excellent) and Long-Term Issuer Credit Ratings of 'a' (Excellent) for its life/health insurance subsidiaries, with a stable outlook reflecting the company's strong balance sheet and operating performance.
- Growth Trends: CNO continues to experience favorable premium growth trends due to its diversified income sources, resulting in stable earnings growth across all lines of business, demonstrating the company's ability to maintain competitive market positions in a highly competitive environment.
- Capital Management Strategy: Despite the pressure on capital from rapidly increasing new business, CNO strategically uses reinsurance to transfer risk to its Bermuda captive, CNO Bermuda Re Ltd, effectively alleviating capital strain and ensuring financial stability.
- Diverse Product Portfolio: CNO's well-diversified product portfolio, offering retirement, life, health, and accident products through a broad set of distribution channels, enhances its competitiveness and adaptability across various business segments.
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- Price Range Analysis: CNO's 52-week low is $34.63 per share, while the high is $44.8405, with the last trade at $39.88, indicating fluctuations within this range and reflecting market caution regarding its future performance.
- Technical Indicator Observation: CNO's stock price has fallen below its 200-day moving average, which is typically seen as a technical sell signal, potentially leading to decreased investor confidence in its short-term trading activity.
- Market Sentiment Assessment: Although the current stock price is positioned in the middle of its 52-week range, investors should monitor changes in market sentiment, especially as prices approach the low point, which may trigger more buying or selling decisions.
- Dividend Stock Dynamics: CNO, along with nine other dividend stocks, has recently fallen below the 200-day moving average, indicating a decline in overall market interest in dividend stocks, which may affect their attractiveness and investors' willingness to hold shares.
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- New Rider Launch: Bankers Life has introduced the Enhanced Death Benefit (EDB) Rider, designed to provide better financial security for Americans nearing retirement, enhancing clients' confidence in leaving a legacy while enjoying retirement income.
- Wide Availability: The EDB Rider is now available in 48 states and Washington, D.C., applicable to single-life Guaranteed Lifetime Income Annuity (GLIA) and GLIA Plus products, thereby expanding Bankers Life's market reach.
- Flexibility and Security: The EDB Rider offers clients flexible options, particularly for those taking Lifetime Income Withdrawals (LIWs) or Required Minimum Distributions, ensuring their annuity provides not only a stable income stream but also greater benefits for beneficiaries.
- Market Demand Response: In response to the growing concerns of middle-income Americans about their financial futures, Bankers Life addresses client needs with this rider, allowing them to enjoy current income while maintaining peace of mind about the future, thereby strengthening its competitive position in the insurance market.
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- New Rider Launch: Bankers Life has introduced the Enhanced Death Benefit (EDB) Rider, designed to provide greater financial security for Americans nearing retirement, enhancing clients' confidence in leaving a legacy while enjoying retirement income.
- Wide Availability: The EDB Rider is now available in 48 states and Washington, D.C., applicable to single-life Guaranteed Lifetime Income Annuities (GLIA) and GLIA Plus products, further expanding Bankers Life's market reach to meet middle-income retirement needs.
- Flexibility and Security: The EDB Rider offers clients flexibility by allowing spousal continuation if income withdrawals have not been taken, ensuring that clients can enjoy their income while providing security for their families, thus increasing the product's appeal.
- Income Security and Legacy: GLIA and GLIA Plus products allow for maximum premium limits of up to $2 million, with income payments that may increase the longer clients wait to begin withdrawals, helping clients secure stable income while ensuring the value of their legacy.
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- Volunteer Recognition: CNO Financial Group honored Stacy Muentzer Oakey as Volunteer of the Year for her contributions to Scouting America's Pathway to Adventure Council, reflecting the company's commitment to community service.
- Donation Program: Through its 2026 Invested in Giving Back® program, CNO will donate $180,000 to 12 nonprofit organizations, showcasing the company's dedication to supporting community initiatives.
- Service Contribution: In 2025, Muentzer Oakey contributed over 410 hours of volunteer service, including 16 nights of camping and more than 1,500 miles of transportation, ensuring Scouts had access to essential outdoor experiences and events.
- Corporate Mission: CNO Financial Group is dedicated to providing insurance and financial services to middle-income America, managing $38.8 billion in assets with 3,300 employees and 5,000 exclusive agents to help clients achieve financial security.
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