Major Rating Factors:
Good overall results on stability tests (5.2 on a scale of 0 to 10) despite. Stability strengths include excellent operational trends and good risk diversification. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Ample reserve history (9.3) that helps to protect the company against sharp claims increases.
Other Rating Factors:
Excellent profitability index (8.3). Superior liquidity (9.4) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business:
Personal/comm auto (34.6%), work comp (13.9%), comm multi (6.7%), homeowners (5.1%), fire (2.2%), fin guar/surety (1.2%), other (36.3%)
Licensed in:
GU, MP
Principal Investments:
Cash (74.8%), investment grade bonds (20.0%), real estate (1.6%), common stock (0.8%), other (2.9%)
Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
348 West O'Brien Drive
Hagatna, GU 96910
Hagatna, GU 96910
Phone Number
(671) 477-8801
NAIC Number
18380
Website
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Largest Affiliates
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