Major Rating Factors:
Good overall capitalization (6.1 on a scale of 0 to 10) based on good risk adjusted capital (severe loss scenario). Nevertheless, capital levels have fluctuated during prior years. Good profitability (5.0). Return on equity has been fair, averaging 6.7%. Good Liquidity (6.8).
Other Rating Factors:
Fair overall results on stability tests (4.6). High quality investment portfolio (7.5).
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Group health (52.8%), ind health (4.7%), group life (1.4%), other (41.1%)
Licensed in:
All states, the District of Columbia and Puerto Rico