Major Rating Factors: Weak profitability index (0.9 on a scale of 0 to 10) with 167.5 million in losses in the last four years. Fair liquidity (4.1) as cash resources may not be adequate to cover a spike in claims. Good capitalization (6.5) based on fair current risk-adjusted capital (severe loss scenario) reflecting significant improvement over results in 2018.
Other Rating Factors: Good overall results on stability tests (5.0).
Principal Lines of Business: --
Licensed in: CA
Principal Enrollment Breakdown: --