Major Rating Factors:
Good overall profitability index (6.6 on a scale of 0 to 10) despite operating losses during 2021. Good overall results on stability tests (5.4) despite negative cash flow from operations for 2025. Stability strengths include good operational trends, good risk adjusted capital for prior years and good risk diversification. Strong long-term capitalization index (8.4) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting improvement over results in 2021.
Other Rating Factors:
Ample reserve history (8.2) that helps to protect the company against sharp claims increases. Good liquidity (6.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
A - Financial problems or weaknesses of a parent or affiliate company.
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
Principal Lines of Business:
Personal/comm auto (95.2%), other (4.8%)
Licensed in:
AL, AZ, FL, GA, IN, KY, LA, MO, NC, ND, NM, OK, SC, TN, TX, UT
Principal Investments:
Investment grade bonds (81.8%), cash (16.4%), other (1.8%)
Corporate Info
Group Affiliation
American Overseas Group Limited
Investment Rating
--
Company Address
14675 Dallas Parkway
Dallas, TX 75254
Dallas, TX 75254
Phone Number
(214) 561-1991
NAIC Number
11665
Largest Affiliates