Major Rating Factors:
Fair capitalization index (3.5 on a scale of 0 to 10) based on weak current risk-adjusted capital (moderate loss scenario) as results have slipped over the last three years. Fair overall results on stability tests (4.7) in spite of consistent premium and capital growth in the last five years but an excessive 46% enrollment growth during the period and poor risk diversification due to the company's size. Good overall profitability index (5.7) despite operating losses during 2019.
Other Rating Factors:
Excellent liquidity (7.1) with ample operational cash flow and liquid investments.
Principal Lines of Business:
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Licensed in:
CA
Principal Enrollment Breakdown:
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Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
One Adventist Health Way
Roseville, CA 95661
Roseville, CA 95661
Phone Number
(916) 406-0000
NAIC Number
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Website
Largest Affiliates
No affiliate information available.