C
Protective P&C Ins Co
Rating Date
June 2026
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Strong long-term capitalization index (10.0 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Ample reserve history (9.2) that helps to protect the company against sharp claims increases. Excellent profitability index (7.7).
Other Rating Factors: Excellent liquidity (7.3) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (7.1). Stability strengths include good operational trends and excellent risk diversification.
Stability Factors: T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Other (100%)
Licensed in: All states and PR
Principal Investments: Investment grade bonds (70.9%), non investment grade bonds (4.7%), cash (0.7%), preferred stock (0.5%), common stock (0.5%), other (22.6%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
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Net Premium Growth
Investments in Affiliates
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Corporate Info
Group Affiliation
Daiichi Life Group Inc
Investment Rating
--
Company Address
14755 North Outer Forty Road
Chesterfield, MO 63017
Phone Number
(800) 950-6060
NAIC Number
35769
Largest Affiliates
C
Omaha, NE - L&A
C
Syracuse, NY - L&A
C
C
Omaha, NE - L&A
B
GREAT NECK, NY - L&A