Major Rating Factors:
Good overall profitability (6.2 on a scale of 0 to 10) despite operating losses during 2024. Return on equity has been low, averaging 2.4%. Good Liquidity (5.4) with sufficient resources to cover a large increase in policy surrenders. Fair overall results on stability tests (4.0) including fair financial strength of affiliated Directors Investment Group and excessive premium growth.
Other Rating Factors:
Strong capitalization (7.4) based on excellent risk adjusted capital (severe loss scenario). High quality investment portfolio (7.3).
Stability Factors:
A - Financial problems or weaknesses of a parent or affiliate company.
D - Limited diversification of general business, policy, and/or investment risk.
G - Fast asset or premium growth.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Ind annuities (61.3%), other (38.7%)
Licensed in:
KY
Investments
Invested Assets
Cash
CMO & Structured Securities
Other Investment Grade Bonds
Non-Investment Grade Bonds
Common & Preferred Stock
Mortgages in Good Standing
Non-Performing Mortgages
Real Estate
Other Investments
--
Investments in Affiliates
Corporate Info
Group Affiliation
Directors Investment Group
Investment Rating
--
Company Address
Lexington Fincl Cntr 26th Fl
Frankfort, KY 40601
Frankfort, KY 40601
Phone Number
(325) 695-3412
NAIC Number
11133
Website
Largest Affiliates