Major Rating Factors:
Weak overall results on stability tests (2.4 on a scale of 0 to 10) including weak risk diversification and negative cash flow from operations for 2025. The largest net exposure for one risk is conservative at 1.8% of capital. Fair profitability index (3.8) with operating losses during 2022, 2023 and 2025. History of adequate reserve strength (5.2) as reserves have been consistently at an acceptable level.
Other Rating Factors:
Strong long-term capitalization index (8.2) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Excellent liquidity (7.2) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business:
Med mal (100.0%)
Licensed in:
NV
Principal Investments:
Investment grade bonds (75.7%), cash (22.7%), other (1.7%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
11605 Miracle Hills Drive
Omaha, NE 68154
Omaha, NE 68154
Phone Number
(402) 392-1566
NAIC Number
11260
Website
Largest Affiliates
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