Pinnacle Consortium of Higher
Major Rating Factors:
Poor long-term capitalization index (1.8 on a scale of 0 to 10) based on weak current risk adjusted capital (severe and moderate loss scenarios), although results have slipped from the fair range during the last year. A history of deficient reserves (2.5) that places pressure on both capital and profits. In 2024 and 2025 the two year reserve development was 35.0% and 49.6% deficient respectively. Weak profitability index (2.8) with operating losses during 2022, 2024 and 2025.
Other Rating Factors:
Weak overall results on stability tests (2.6) including weak risk adjusted capital in prior years. The largest net exposure for one risk is excessive at 12.1% of capital. Good liquidity (6.7) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
D - Limited diversification of general business, policy, and/or investment risk.
Principal Lines of Business:
Other (100%)
Licensed in:
VT
Principal Investments:
Investment grade bonds (60.1%), common stock (21.7%), cash (14.1%), non investment grade bonds (4.1%)
Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
463 Mountain View Drive
Colchester, VT 05446
Colchester, VT 05446
Phone Number
(802) 864-5599
NAIC Number
11980
Website
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Largest Affiliates
No affiliate information available.