Major Rating Factors:
Good overall results on stability tests (6.2 on a scale of 0 to 10). Strengths that enhance stability include excellent operational trends and excellent risk diversification. Good Liquidity (6.9) with sufficient resources to handle a spike in claims as well as a significant increase in policy surrenders. Strong capitalization (9.9) based on excellent risk adjusted capital (severe loss scenario).
Other Rating Factors:
High quality investment portfolio (7.7). Excellent profitability (9.0).
Stability Factors:
A - Financial problems or weaknesses of a parent or affiliate company.
D - Limited diversification of general business, policy, and/or investment risk.
Principal Lines of Business:
Ind health (91.3%), other (8.7%)
Licensed in:
All states except AK, CA, CT, DC, DE, HI, ID, ME, MD, MA, NH, NJ, NY, OR, RI, VT, WA, PR