B
LOYAL AMERICAN LIFE INS CO
Rating Date
March 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: Good overall results on stability tests (5.1 on a scale of 0 to 10). Stability strengths include good operational trends and excellent risk diversification. Good overall capitalization (5.1) based on good risk adjusted capital (severe loss scenario). Nevertheless, capital levels have fluctuated during prior years. Good quality investment portfolio (6.1).
Other Rating Factors: Good overall profitability (5.8) although investment income, in comparison to reserve requirements, is below regulatory standards. Good Liquidity (6.8).
Stability Factors: A - Financial problems or weaknesses of a parent or affiliate company. D - Limited diversification of general business, policy, and/or investment risk.
Principal Lines of Business: Ind health (98.9%), other (1.1%)
Licensed in: All states except NY, PR
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
CIGNA Corp
Investment Rating
CI
Company Address
1300 East Ninth Street
Cleveland, OH 44114
Phone Number
(512) 451-2224
NAIC Number
65722
Largest Affiliates
B
C
BLOOMFIELD, CT - L&A
C
B
WILMINGTON, DE - L&A
B
Chicago, IL - L&A