B
ALLSTATE INS CO
Data as of
December 31, 2020
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: History of adequate reserve strength (6.5 on a scale of 0 to 10) as reserves have been consistently at an acceptable level. Good overall results on stability tests (5.1) despite weak results on operational trends.
Other Rating Factors: Strong long-term capitalization index (8.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Excellent profitability (8.9) with operating gains in each of the last five years. Return on equity has been excellent over the last five years averaging 18.1%. Fair liquidity (4.9) as cash resources may not be adequate to cover a spike in claims.
Stability Factors: L - Past results on our liquidity tests. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (55.0%), homeowners (33.3%), comm multi (3.7%), other (8.1%)
Licensed in: All states except NJ
Principal Investments: Investment grade bonds (56.1%), common stock (16.2%), non investment grade bonds (12.6%), real estate (0.6%), preferred stock (0.2%), other (14.4%)
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
Allstate Group
Investment Rating
ALL
Company Address
2775 SANDERS ROAD
NORTHBROOK, IL 60062
Phone Number
(847) 402-5000
NAIC Number
19232
Largest Affiliates
B
NORTHBROOK, IL - L&A
B
Winston-Salem, NC - P&C
B
NORTHBROOK, IL - P&C
B
JACKSONVILLE, FL - L&A
Weiss Ratings