Major Rating Factors:
Weak overall results on stability tests (0.8 on a scale of 0 to 10) including excessive premium growth, weak results on operational trends and weak risk diversification. The largest net exposure for one risk is excessive at 13.2% of capital. Good long-term capitalization index (5.9) based on fair current risk adjusted capital (moderate loss scenarios). Fair reserve development (3.6) as reserves have generally been sufficient to cover claims.
Other Rating Factors:
Excellent profitability index (7.3). Excellent liquidity (7.2) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
E - Lack of operating experience.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Other (100%)
Licensed in:
MT
Principal Investments:
Cash (100.0%)
Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
3011 American Way
Missoula, MT 59808
Missoula, MT 59808
Phone Number
(317) 268-5542
NAIC Number
17740
Website
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Largest Affiliates
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