C
Zale Indemnity Co
Coppell,  TX
Rating Date
June 2026
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
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Major Rating Factors: Fair overall results on stability tests (3.7 on a scale of 0 to 10) including. Good overall profitability index (6.3). 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: Ample reserve history (9.2) that helps to protect the company against sharp claims increases. Superior liquidity (9.3) 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: Other (100%)
Licensed in: All states except MN
Principal Investments: Cash (33.8%), investment grade bonds (32.6%), other (33.6%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
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Investments in Affiliates
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Corporate Info
Group Affiliation
None
Investment Rating
SIG
Company Address
9797 Rombauer Road
Coppell, TX 75019
Phone Number
(972) 580-4190
NAIC Number
30325
Largest Affiliates
There are no affiliate to display.