D
UNITY FINANCIAL LIFE INSURANCE
Rating Date
November 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Weak overall results on stability tests (2.2 on a scale of 0 to 10). Fair quality investment portfolio (3.3) with large holdings of BBB rated bonds in addition to moderate junk bond exposure. Good capitalization (5.4) based on good risk adjusted capital (moderate loss scenario).
Other Rating Factors: Excellent profitability (7.7) with operating gains in each of the last five years. Excellent Liquidity (7.1).
Stability Factors: I - Past results on our Investment Safety Index. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Group life (89.4%), other (10.6%)
Licensed in: All states except AK, NY, PR
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
Hardy LLC
Investment Rating
--
Company Address
4675 CORNELL ROAD SUITE 160
CINCINNATI, OH 45241
Phone Number
(513) 247-0711
NAIC Number
63819
Largest Affiliates
No affiliate information available.