D
LIFESHIELD NATIONAL INS CO
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 profitability (2.0 on a scale of 0 to 10). Return on equity has been low, averaging -2.7%. Weak overall results on stability tests (2.6) including excessive premium growth and negative cash flow from operations for 2024. Fair quality investment portfolio (4.6).
Other Rating Factors: Good capitalization (6.1) based on good risk adjusted capital (severe loss scenario). Good Liquidity (6.8).
Stability Factors: C - Past results on our Risk-Adjusted Capital tests. 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: Ind health (51.5%), group life (0.4%), other (48.2%)
Licensed in: All states except AK, HI, ME, NH, NY, RI, VT, WI, 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
Homeshield Capital Group
Investment Rating
--
Company Address
5701 N Shartel 1st Floor
Oklahoma City, OK 73118
Phone Number
(405) 236-2640
NAIC Number
99724
Largest Affiliates
D
C
Oklahoma City, OK - L&A
U
Oklahoma City, OK - P&C