Major Rating Factors:
Fair profitability (3.0 on a scale of 0 to 10) with investment income below regulatory standards in relation to interest assumptions of reserves. Fair overall results on stability tests (4.1) including fair risk adjusted capital in prior years. Good quality investment portfolio (6.6).
Other Rating Factors:
Strong capitalization (7.3) based on excellent risk adjusted capital (severe loss scenario). Excellent Liquidity (7.1).
Stability Factors:
Principal Lines of Business:
Ind health (65.3%), group health (18.4%), group life (10.0%), other (6.4%)
Licensed in:
All states except NY