Major Rating Factors:
Weak profitability index (2.0 on a scale of 0 to 10) with operating losses during 2022 and 2023. Weak overall results on stability tests (2.8). Good liquidity (6.1) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors:
Excellent overall capitalization (7.9) based on excellent current risk-adjusted capital (severe loss scenario) despite some fluctuation in capital levels. Excellent quality investment portfolio (9.9) containing small junk bond exposure.
Principal Lines of Business:
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Licensed in:
ID, MT, OR, WA, WY
Principal Enrollment Breakdown:
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Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
951 East Third Avenue
Spokane, WA 99202
Spokane, WA 99202
Phone Number
(509) 535-4646
NAIC Number
12239
Website
Largest Affiliates
No affiliate information available.