Rating Date
June 2026
NAIC
Classification
Classification
Risk Adjusted
Capital Ratio #1
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Capital Ratio #2
Loss
Ratio
Ratio
Total
Assets
Assets
Capital
Net
Premiums
Premiums
Net
Income
Income
Major Rating Factors:
Fair profitability index (4.8 on a scale of 0 to 10). Weak overall results on stability tests (2.5) including weak results on operational trends and negative cash flow from operations for 2025. Strong long-term capitalization index (8.8) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
Ample reserve history (7.0) that can protect against increases in claims costs. Superior liquidity (10.0) 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.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
--
Licensed in:
AR, KS, LA, MS, NM, OK, TX
Principal Investments:
Common stock (53.3%), investment grade bonds (17.3%), cash (0.4%), other (29.0%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
501 Shelley Drive
Tyler, TX 75701
Tyler, TX 75701
Phone Number
(903) 509-4929
NAIC Number
11579
Website
Largest Affiliates
There are no affiliate to display.