B
HM LIFE INS CO
Rating Date
November 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Total
Assets
Capital
Net
Premiums
Net
Income
Loading...
Major Rating Factors: Good quality investment portfolio (5.2 on a scale of 0 to 10) with no exposure to mortgages and small junk bond holdings. Good Liquidity (6.9) with sufficient resources to handle a spike in claims. Fair overall results on stability tests (3.9) including negative cash flow from operations for 2024.
Other Rating Factors: Strong capitalization (9.8) based on excellent risk adjusted capital (severe loss scenario). Excellent profitability (8.3) with operating gains in each of the last five years.
Stability Factors: F - Negative cash flow. I - Past results on our Investment Safety Index. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Ind health (100.0%)
Licensed in: All states except NY, 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
Highmark Inc
Investment Rating
--
Company Address
Fifth AvePlace 120 Fifth Ave
Pittsburgh, PA 15222
Phone Number
(800) 328-5433
NAIC Number
93440
Largest Affiliates
B
Pittsburgh, PA - P&C
E
Burlington, VT - P&C
B
New York, NY - L&A