Major Rating Factors:
Strong capitalization (10.0 on a scale of 0 to 10) based on excellent risk adjusted capital (severe loss scenario). Furthermore, this high level of risk adjusted capital has been consistently maintained over the last five years. High quality investment portfolio (7.9) despite no exposure to mortgages and large holdings of BBB rated bonds but minimal holdings in junk bonds. Excellent profitability (7.8) with operating gains in each of the last five years.
Other Rating Factors:
Excellent Liquidity (7.4). Excellent overall results on stability tests (7.7) excellent operational trends and excellent risk diversification.
Stability Factors:
Principal Lines of Business:
Ind health (85.7%), group health (7.2%), group life (3.3%), other (3.8%)
Licensed in:
CT, MA, NJ, NY, ND, VT