D
UPSTREAM LIFE INS CO
DallasTX
Rating Date
September 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 profitability (2.0 on a scale of 0 to 10) with investment income below regulatory standards in relation to interest assumptions of reserves. Weak overall results on stability tests (1.4) including weak risk adjusted capital in prior years, excessive premium growth and negative cash flow from operations for 2023. Fair quality investment portfolio (3.9).
Other Rating Factors: Strong capitalization (7.1) based on excellent risk adjusted capital (severe loss scenario). Excellent Liquidity (7.5).
Stability Factors: C - Past results on our Risk-Adjusted Capital tests. D - Limited diversification of general business, policy, and/or investment risk. F - Negative cash flow. G - Fast asset or premium growth. I - Past results on our Investment Safety Index. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Other (100%)
Licensed in: AZ, AR, CO, DC, DE, ID, IL, IN, LA, MD, MN, MS, MO, MT, NE, NV, NM, ND, OH, SD, TN, TX, UT, WV, WY
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
Americo Life Inc
Investment Rating
--
Company Address
PO Box 139061
Dallas, TX 75201
Phone Number
(877) 543-3504
NAIC Number
78093
Largest Affiliates
No affiliate information available.