Major Rating Factors:
Good overall profitability index (6.5 on a scale of 0 to 10) despite a decline in earnings during 2021. Good liquidity (6.5) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Fair quality investment portfolio (3.4).
Other Rating Factors:
Excellent overall capitalization (9.4) based on good current risk-adjusted capital (severe loss scenario). Moreover, capital levels have been consistent in recent years. Excellent overall results on stability tests (7.4) based on consistent premium and capital growth in the last five years.
Principal Lines of Business:
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Licensed in:
ID, MT, OR, WA
Principal Enrollment Breakdown:
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