Major Rating Factors: Poor overall capitalization (0.0 on a scale of 0 to 10) based on excessive policy leverage and weak risk adjusted capital (severe loss scenario). Low quality investment portfolio (0.8). Weak overall results on stability tests (0.0) including weak policy risk diversification.
Other Rating Factors: Good profitability (5.0). Excellent liquidity (9.5).
Stability Factors: C - Past results on our Risk-Adjusted Capital tests. L - Past results on our liquidity tests. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Other (100%)
Licensed in: AZ, SD