American Heartland Ins Co
Major Rating Factors:
Fair long-term capitalization index (3.1 on a scale of 0 to 10) based on good current risk adjusted capital (severe and moderate loss scenarios) reflecting significant improvement over results in 2023. Fair overall results on stability tests (3.9) including weak risk adjusted capital in prior years and negative cash flow from operations for 2025. The largest net exposure for one risk is conservative at 1.3% of capital. Good overall profitability index (6.8) despite operating losses during 2022.
Other Rating Factors:
Good liquidity (5.6) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Ample reserve history (7.0) that can protect against increases in claims costs.
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.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
IL
Principal Investments:
Investment grade bonds (41.7%), common stock (12.5%), cash (4.9%), other (40.8%)
Corporate Info
Group Affiliation
United Equitable Group Ltd
Investment Rating
--
Company Address
9040 Waukegan Road
Morton Grove, IL 60053
Morton Grove, IL 60053
Phone Number
(847) 583-4600
NAIC Number
10031
Website
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