Major Rating Factors:
Weak profitability index (0.9 on a scale of 0 to 10) with 17.9 million in losses in the last five years. Average return on equity has been poor at -81.6%. Weak overall results on stability tests (2.6) based on rapid premium growth over the last five years. Excellent capitalization index (6.9) based on good current risk-adjusted capital (severe loss scenario). However, risk-adjusted capital has reached as low as the weak level during recent years.
Other Rating Factors:
Excellent quality investment portfolio (9.9) containing small junk bond exposure. Excellent liquidity (6.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Principal Lines of Business:
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Licensed in:
All states except CA, CO, CT, ID, ME, MI, NJ, NY, VT, WA, WI
Principal Enrollment Breakdown:
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Corporate Info
Group Affiliation
ZHE Holdings LP
Investment Rating
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Company Address
225 West Washington Street
Chicago, IL 60606
Chicago, IL 60606
Phone Number
(800) 918-4024
NAIC Number
76503
Website
Largest Affiliates