C
Terrafirma RRG LLC
Rating Date
October 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
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Major Rating Factors: Fair overall results on stability tests (3.1 on a scale of 0 to 10) including. The largest net exposure for one risk is excessive at 9.1% of capital. History of adequate reserve strength (6.4) as reserves have been consistently at an acceptable level. Strong long-term capitalization index (8.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting improvement over results in 2022.
Other Rating Factors: Excellent profitability index (7.7) with operating gains in each of the last five years. Return on equity has been good over the last five years, averaging 11.0%. Superior liquidity (9.0) with ample operational cash flow and liquid investments.
Stability Factors: D - Limited diversification of general business, policy, and/or investment risk. 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 (53.4%), common stock (24.9%), cash (9.8%), other (11.8%)
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Investments in Affiliates
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Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
463 Mountain View Drive
Colchester, VT 05446
Phone Number
(802) 864-5599
NAIC Number
14395
Largest Affiliates
No affiliate information available.