Major Rating Factors: Excellent profitability (7.0 on a scale of 0 to 10) with operating gains in each of the last five years. Excellent capitalization index (8.8) based on good current risk-adjusted capital (severe loss scenario). Furthermore, this high level of risk-adjusted capital has been consistently maintained in previous years. Excellent liquidity (7.1) with ample operational cash flow and liquid investments.
Other Rating Factors: Good overall results on stability tests (5.8) based on consistent premium and capital growth in the last five years.
Principal Lines of Business: --
Licensed in: CA
Principal Enrollment Breakdown: --