Major Rating Factors:
Fair quality investment portfolio (4.1 on a scale of 0 to 10). Excellent profitability (8.7) despite a decline in earnings during 2022. Excellent overall capitalization (10.0) based on good current risk-adjusted capital (severe loss scenario). Moreover, capital levels have been consistent in recent years.
Other Rating Factors:
Excellent overall results on stability tests (7.2) based on consistent premium and capital growth in the last five years. Excellent liquidity (6.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Principal Lines of Business:
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Licensed in:
HI
Principal Enrollment Breakdown:
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