C
ELCO MUTUAL LIFE & ANNUITY
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: Fair quality investment portfolio (4.7 on a scale of 0 to 10). Fair overall results on stability tests (3.5). Strong current capitalization (7.2) based on excellent risk adjusted capital (severe loss scenario) reflecting improvement over results in 2022.
Other Rating Factors: Excellent profitability (8.0) with operating gains in each of the last five years. Excellent Liquidity (7.2).
Stability Factors: 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: Ind annuities (89.2%), group life (0.2%), other (10.6%)
Licensed in: All states except MA, NH, NJ, NY, RI, VT, 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
None
Investment Rating
--
Company Address
916 Sherwood Drive
Lake Bluff, IL 60044
Phone Number
(847) 295-6000
NAIC Number
84174
Largest Affiliates
No affiliate information available.