Major Rating Factors:
Fair overall results on stability tests (4.6 on a scale of 0 to 10). Good Liquidity (6.8) with sufficient resources to handle a spike in claims. Weak profitability (2.5) with investment income below regulatory standards in relation to interest assumptions of reserves.
Other Rating Factors:
Strong capitalization (7.9) based on excellent risk adjusted capital (severe loss scenario). High quality investment portfolio (7.7).
Stability Factors:
Principal Lines of Business:
Ind health (2.8%), group health (0.4%), other (96.8%)
Licensed in:
All states except NY