Major Rating Factors:
Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (3.9) including excessive premium growth and negative cash flow from operations for 2024. The largest net exposure for one risk is acceptable at 2.4% of capital. 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.
Other Rating Factors:
Excellent overall profitability index (6.9). Excellent expense controls. Superior liquidity (10.0) 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.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
TX
Principal Investments:
Investment grade bonds (99.9%)
Corporate Info
Group Affiliation
Kemper Corporation
Investment Rating
Company Address
8360 LBJ Freeway
Dallas, TX 75243
Dallas, TX 75243
Phone Number
(972) 690-5500
NAIC Number
29351
Website
Largest Affiliates