Major Rating Factors: Good overall results on stability tests (6.8 on a scale of 0 to 10). Stability strengths include excellent operational trends and excellent risk diversification. Strong capitalization (8.0) based on excellent risk adjusted capital (severe loss scenario). Moreover, capital has steadily grown over the last five years. High quality investment portfolio (8.2).
Other Rating Factors: Excellent profitability (7.7) with operating gains in each of the last five years. Excellent liquidity (7.3).
Stability Factors: A - Financial problems or weaknesses of a parent or affiliate company.
Principal Lines of Business: --
Licensed in: All states except PR