C
CLEAR SPRING LIFE & ANNTY 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: Fair overall results on stability tests (3.4 on a scale of 0 to 10) including fair financial strength of affiliated Sammons Enterprises Inc. Fair quality investment portfolio (4.5). Strong current capitalization (7.8) based on excellent risk adjusted capital (severe loss scenario) reflecting improvement over results in 2020.
Other Rating Factors: Excellent profitability (8.3) with operating gains in each of the last five years. Excellent Liquidity (8.2).
Stability Factors: A - Financial problems or weaknesses of a parent or affiliate company. I - Past results on our Investment Safety Index. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Ind annuities (98.7%), group annuities (1.0%), other (0.3%)
Licensed in: All states except NY
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
Sammons Enterprises Inc
Investment Rating
--
Company Address
2711 CENTERVILLE ROAD STE 400
WILMINGTON, DE 19801
Phone Number
(800) 990-7626
NAIC Number
83607
Largest Affiliates
C
Wilmington, DE - L&A
C
Zionsville, IN - P&C
C
WILMINGTON, DE - L&A
C
Wilkes-Barre, PA - P&C