Major Rating Factors:
Excellent profitability (9.4 on a scale of 0 to 10) with operating gains in each of the last five years. Excellent capitalization (10.0) based on good current risk-adjusted capital (severe loss scenario) reflecting improvement over results in 2017. Excellent quality investment portfolio (7.8) containing small junk bond exposure.
Other Rating Factors:
Excellent overall results on stability tests (8.4) based on consistent premium and capital growth in the last five years. Rating is significantly influenced by the strong financial results of UnitedHealth Group Incorporated. Excellent liquidity (6.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Principal Lines of Business:
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Licensed in:
AL, AR, IA, IL, IN, KS, MO, NE
Principal Enrollment Breakdown:
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