Infinity Ins Co
Major Rating Factors:
Poor long-term capitalization index (1.8 on a scale of 0 to 10) based on weak current risk adjusted capital (severe and moderate loss scenarios), although results have slipped from the excellent range over the last two years. Weak profitability index (1.9) with operating gains in each of the last five years. Return on equity has been fair, averaging 10.0% over the past five years. Weak overall results on stability tests (2.8) including excessive premium growth and weak risk adjusted capital in prior years. The largest net exposure for one risk is excessive at 10.9% of capital.
Other Rating Factors:
Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
D - Limited diversification of general business, policy, and/or investment risk.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
All states except KS, LA, NH, NJ, VT, WY
Principal Investments:
Investment grade bonds (44.8%), common stock (32.7%), real estate (15.0%), non investment grade bonds (0.7%), other (6.7%)
Corporate Info
Group Affiliation
Kemper Corporation
Investment Rating
Company Address
3760 River Run Drive
Birmingham, AL 35243
Birmingham, AL 35243
Phone Number
(205) 870-4000
NAIC Number
22268
Website
Largest Affiliates