Major Rating Factors:
Weak overall results on stability tests (2.2 on a scale of 0 to 10) including weak risk diversification, negative cash flow from operations for 2025 and fair risk adjusted capital in prior years. Fair profitability index (3.9) with operating losses during 2021, 2022, 2023 and 2024. History of adequate reserve strength (5.6) as reserves have been consistently at an acceptable level.
Other Rating Factors:
Strong long-term capitalization index (7.1) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting significant improvement over results in 2024. Excellent liquidity (7.5) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
OK
Principal Investments:
Investment grade bonds (100.0%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
4501 East 31st Street
Tulsa, OK 74135
Tulsa, OK 74135
Phone Number
(918) 492-1446
NAIC Number
20430
Website
Largest Affiliates
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