Major Rating Factors:
Fair profitability index (4.3 on a scale of 0 to 10) with operating losses during 2019. Fair overall results on stability tests (3.7) based on fair risk diversification due to the company's size. Good capitalization (5.5) based on fair current risk-adjusted capital (severe loss scenario).
Other Rating Factors:
Excellent quality investment portfolio (8.9) containing small junk bond exposure. Excellent liquidity (7.1) with ample operational cash flow and liquid investments.
Principal Lines of Business:
--
Licensed in:
IL
Principal Enrollment Breakdown:
--