Major Rating Factors:
Fair quality investment portfolio (3.7 on a scale of 0 to 10). Fair overall results on stability tests (3.2) including excessive premium growth. Weak Liquidity (0.0) as a spike in claims may stretch capacity.
Other Rating Factors:
Strong capitalization (10.0) based on excellent risk adjusted capital (severe loss scenario). Excellent profitability (9.2).
Stability Factors:
I - Past results on our Investment Safety Index.
L - Past results on our liquidity tests.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Group health (91.4%), ind health (8.6%)
Licensed in:
All states, the District of Columbia and Puerto Rico