Major Rating Factors: Excellent profitability (8.6 on a scale of 0 to 10) with operating gains in each of the last five years. Excellent overall capitalization (9.3) 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 overall results on stability tests (7.6) based on consistent premium and capital growth in the last five years.
Other Rating Factors: Excellent liquidity (7.2) with ample operational cash flow and liquid investments.
Principal Lines of Business: --
Licensed in: CA
Principal Enrollment Breakdown: --