Are you asking from the perspective of a current or prospective policyholder?

If so, what type of policy--annuity, life or disability?  They are also very active in asset management arena with Seligman acquisition.  Please clarify which area is the base of your inquiry.

Their ratings, as you indicate, are OK: A+ AM Best, AA- Fitch, Aa3 Moody's, AA- S&P.

Not quite sure where the FDIC comment comes into play.  They do not appear to be a depository institution.  Maybe they have a proprietary money market fund?  State guaranty funds would back life/annuity products to limited extent in the case of insolvency.

Please feel free to refine question if you are comfortable and we'll do our best to shed some light on it.