Major Rating Factors:
Good liquidity (6.8 on a scale of 0 to 10) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Excellent profitability (7.4) despite a decline in earnings during 2021. Excellent overall capitalization (10.0) based on good current risk-adjusted capital (severe loss scenario) despite some fluctuation in capital levels.
Other Rating Factors:
Excellent overall results on stability tests (7.8) based on consistent premium and capital growth in the last five years. Fair quality investment portfolio (4.4).
Principal Lines of Business:
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Licensed in:
MA
Principal Enrollment Breakdown:
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