C
PROFESSIONAL LIFE & CAS CO
Rating Date
November 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: Weak profitability (2.4 on a scale of 0 to 10) with operating losses during 2024. Return on equity has been low, averaging -2.0%. Weak overall results on stability tests (2.9) including negative cash flow from operations for 2024 and weak results on operational trends. Strong capitalization (8.0) based on excellent risk adjusted capital (severe loss scenario).
Other Rating Factors: High quality investment portfolio (8.6). Excellent Liquidity (7.0).
Stability Factors: F - Negative cash flow. I - Past results on our Investment Safety Index. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: --
Licensed in: IL, IN, MT, ND, OK
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
None
Investment Rating
--
Company Address
20 N WACKER DR STE 3110
SCOTTSDALE, AZ 85251
Phone Number
(312) 220-0655
NAIC Number
68063
Largest Affiliates
C
SCOTTSDALE, AZ - L&A
C
SCOTTSDALE, AZ - L&A