Major Rating Factors:
Weak overall results on stability tests (2.1 on a scale of 0 to 10) including weak results on operational trends. The largest net exposure for one risk is excessive at 12.0% of capital. Good overall profitability index (5.3) despite operating losses during 2022 and the first three months of 2025. Return on equity has been low, averaging 3.9% over the past five years. Strong long-term capitalization index (7.7) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
History of adequate reserve strength (7.0) as reserves have been consistently at an acceptable level. Excellent liquidity (8.5) with ample operational cash flow and liquid investments.
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:
Fire (93.2%), other (6.8%)
Licensed in:
PA
Principal Investments:
Investment grade bonds (87.0%), cash (9.9%), non investment grade bonds (3.1%)
Corporate Info
Group Affiliation
Liberty Life Group Trust
Investment Rating
--
Company Address
1605 LBJ Freeway
Dallas, TX 75234
Dallas, TX 75234
Phone Number
(469) 522-4400
NAIC Number
16993
Website
Largest Affiliates