C
LA Farm Bureau Mutual Ins Co
Rating Date
June 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Weak profitability index (2.0 on a scale of 0 to 10) with operating losses during 2021, 2022, 2023 and 2024. Average return on equity over the last five years has been poor at -10.4%. History of adequate reserve strength (6.8) as reserves have been consistently at an acceptable level. Good overall results on stability tests (4.9) including.
Other Rating Factors: Strong long-term capitalization index (7.2) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Excellent liquidity (7.6) with ample operational cash flow and liquid investments.
Stability Factors: G - Fast asset or premium growth. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Homeowners (73.0%), personal/comm auto (6.6%), fire (1.4%), comm multi (0.9%), other (18.1%)
Licensed in: LA
Principal Investments: Investment grade bonds (68.4%), cash (9.6%), common stock (2.3%), other (19.6%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
7000 Commerce Circle
Baton Rouge, LA 70809
Phone Number
(225) 922-6200
NAIC Number
14427
Largest Affiliates
No affiliate information available.