Major Rating Factors:
Fair current capitalization (4.0 on a scale of 0 to 10) based on fair risk adjusted capital (moderate loss scenario), although results have slipped from the good range over the last year. Fair overall results on stability tests (3.8) including weak risk adjusted capital in prior years. Low quality investment portfolio (2.4).
Other Rating Factors:
Weak profitability (1.2). Excellent Liquidity (7.8).
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
I - Past results on our Investment Safety Index.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Ind health (85.8%), group health (14.2%)
Licensed in:
All states except FL, NY, PR