Major Rating Factors:
Fair overall results on stability tests (4.3 on a scale of 0 to 10) including. The largest net exposure for one risk is acceptable at 2.6% of capital. Strong long-term capitalization index (9.2) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. History of adequate reserve strength (6.9) as reserves have been consistently at an acceptable level.
Other Rating Factors:
Excellent profitability index (7.4) with operating gains in each of the last five years. Return on equity has been good over the last five years, averaging 10.1%. Superior liquidity (9.3) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Other (100%)
Licensed in:
VT
Principal Investments:
Investment grade bonds (53.0%), cash (14.8%), other (32.2%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
135 Allen Brook Lane
Williston, VT 05495
Williston, VT 05495
Phone Number
(802) 371-2202
NAIC Number
10113
Website
Largest Affiliates
No affiliate information available.