C
AMERICAN RETIREMENT LIFE INS CO
Rating Date
March 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 current capitalization (4.5 on a scale of 0 to 10) based on mixed results -- excessive policy leverage mitigated by 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 (4.5) including fair risk adjusted capital in prior years. Good profitability (5.0).
Other Rating Factors: Good Liquidity (5.9). High quality investment portfolio (7.6).
Stability Factors: D - Limited diversification of general business, policy, and/or investment risk. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Ind health (100.0%)
Licensed in: All states except AK, CT, DC, HI, ID, ME, MA, MI, NJ, NY, VT, WA, PR
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
CIGNA Corp
Investment Rating
CI
Company Address
1300 East Ninth Street
Cleveland, OH 44114
Phone Number
(512) 451-2224
NAIC Number
88366
Largest Affiliates
B
C
BLOOMFIELD, CT - L&A
B
Cleveland, OH - L&A
B
WILMINGTON, DE - L&A
B
Chicago, IL - L&A