D
Integon National Ins Co
Rating Date
April 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Weak profitability index (1.9 on a scale of 0 to 10) with operating losses during 2022. Weak overall results on stability tests (1.8) including excessive premium growth. The largest net exposure for one risk is excessive at 16.1% of capital. Fair reserve development (3.5) as reserves have generally been sufficient to cover claims.
Other Rating Factors: Fair liquidity (4.0) as cash resources may not be adequate to cover a spike in claims. Strong long-term capitalization index (7.3) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting improvement over results in 2023.
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: Personal/comm auto (74.0%), homeowners (8.7%), comm multi (4.9%), fire (0.5%), farmowners (0.4%), other (11.4%)
Licensed in: All states
Principal Investments: Investment grade bonds (61.8%), common stock (15.2%), non investment grade bonds (8.1%), other (14.9%)
Ratios
Premium to Surplus
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Reserve to Surplus
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1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
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Combined Ratio
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Cash From Underwriting
Net Premium Growth
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Investments in Affiliates
Corporate Info
Group Affiliation
The Allstate Corporation
Investment Rating
ALL
Company Address
450 W. Hanes Mill Road
Winston-Salem, NC 27105
Phone Number
(336) 435-2000
NAIC Number
29742
Largest Affiliates
C
Northbrook, IL - P&C
C
JACKSONVILLE, FL - L&A
C
Winston-Salem, NC - P&C
D
Northbrook, IL - P&C