C
AMERICAN HERITAGE LIFE INS CO
Rating Date
September 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Fair quality investment portfolio (4.0 on a scale of 0 to 10) with large holdings of BBB rated bonds in addition to junk bond exposure equal to 52% of capital. Fair Liquidity (4.8) as cash from operations and sale of marketable assets may not be adequate to cover a spike in claims or a run on policy withdrawals. Fair overall results on stability tests (4.1).
Other Rating Factors: Weak profitability (2.0) with investment income below regulatory standards in relation to interest assumptions of reserves. Strong capitalization (7.1) based on excellent risk adjusted capital (severe loss scenario).
Stability Factors: I - Past results on our Investment Safety Index. L - Past results on our liquidity tests. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Other (100%)
Licensed in: All states except NY
Investments
Invested Assets
Cash
CMO & Structured Securities
Other Investment Grade Bonds
Non-Investment Grade Bonds
Common & Preferred Stock
Mortgages in Good Standing
Non-Performing Mortgages
Real Estate
Other Investments
Investments in Affiliates
Corporate Info
Group Affiliation
Allstate Group
Investment Rating
--
Company Address
1776 AMERICAN HERITAGE LIFE DR
JACKSONVILLE, FL 32224
Phone Number
(904) 992-1776
NAIC Number
60534
Largest Affiliates
C
Northbrook, IL - P&C
D
Winston-Salem, NC - P&C
C
Winston-Salem, NC - P&C
E
Winston-Salem, NC - P&C