B
Upland Mutual Ins Inc
Rating Date
June 2026
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Assets
Capital
Net
Premiums
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Major Rating Factors: Good liquidity (6.7 on a scale of 0 to 10) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (5.1) despite. Stability strengths include excellent operational trends and good risk diversification. Fair profitability index (4.9) with small operating losses during 2024.
Other Rating Factors: Strong long-term capitalization index (9.3) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Ample reserve history (8.2) that helps to protect the company against sharp claims increases.
Stability Factors: R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business: Homeowners (39.4%), farmowners (30.3%), personal/comm auto (11.6%), fire (5.7%), other (13.0%)
Licensed in: KS
Principal Investments: Investment grade bonds (71.6%), common stock (14.4%), cash (9.6%), non investment grade bonds (4.3%), real estate (0.2%)
Ratios
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Investments in Affiliates
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Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
2220 Lacy Drive
Junction City, KS 66441
Phone Number
(785) 762-4324
NAIC Number
15296
Largest Affiliates
There are no affiliate to display.