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/THIRD AND FINAL ADD TO NY030 -- A.M. BEST RATINGS/

 20th Century Insurance Group, Woodland Hills, CA, was assigned a
1993 Best's Rating of "A+" (Superior). The group's superior financial
strength was affirmed and its rating level unchanged. This rating


applies only to the 20th Century Insurance Company.
 "This rating reflects the group's continued superior operating results with a five-year operating ratio of 86 largely due to its effective underwriting and low cost direct distribution system and mass marketing techniques," said John H. Snyder, senior vice president of Best's property/casualty division. The factors have contributed to an extremely low expense ratio. Furthermore, the group has one of the industry's highest premiums per employee ratios, which indicates substantial internal efficiencies. Despite a challenging regulatory environment of California, the group has maintained consistent outstanding financial performance, a very
strong capital position and a conservative investment portfolio. 20th Century Insurance Group ranks among the top five writers of private passenger automobile insurance in California.
 United Insurance Company of America, Chicago, IL, was assigned a 1993 Best's Rating of "A++" (Superior). The company's superior financial strength
was affirmed and its rating level was raised from "A+" to "A++".
 "This rating reflects the company's strong market position in the home service life insurance segment, its exceptional capitalization, consistently profitable operations and high-quality investment portfolio," said Larry G. Mayewski, senior vice president of Best's life/health division. In addition, this rating recognizes the enviable position that the company maintains in satisfying all of its policyholder obligations through its large investment concentration in U.S. Government bond holdings. A.M. Best also views favorably the company's ability to maintain consistent growth in the home service arena, and the very strong financial backing that is provided from its parent, Unitrin Corporation. Somewhat mitigating these strengths is the weak sales growth potential that is inherent in the home service sector and the impact that the recessionary climate has on this segment of the industry, in general.
 United Insurance Company of America has sustained its market niche position through its stable networks of general agents that target sales
activities toward small businesses and credit unions. In addition, the stability of the company's business is favorably influenced by its payroll deduction operations, which serves as the major form of premium collection. United Insurance Company of America also maintains operational diversity through its group and individual accident and health divisions, which contribute to growth in new business generation and operating earnings. The company maintains a very strong liquidity position, especially in relation to its stable liability structure. At year end, the company's investment portfolio was supported by over $1.5 billion in investment-grade bonds, cash and short-term securities (63 percent of admitted assets). United Insurance Company of America ranks among the 100 largest life/health insurance companies in the U.S. when measured by total assets.
 Due to its strategic role as a subsidiary of United Insurance Company, Union National Life Insurance Company, Baton Rouge, LA, was assigned a 1993 Best's Rating of "A++" (Superior). This rating reflects the consolidated performance of the parent and this subsidiary. This rating also acknowledges the excellent capitalization, high-quality investment portfolio and profitable operating earnings that have been achieved on a stand-alone basis. The
company's activities are principally concentrated in the home service life insurance segment in Louisiana and Mississippi.
 Unitrin Inc., Dallas, TX, was assigned a 1993 Best's Rating of "A++" (Superior). The group's superior financial strength was affirmed and its rating level of "A++" was unchanged. This rating applies to Trinity Universal Insurance Company and its three wholly- owned subsidiaries, Security National Insurance Company, Trinity Universal Insurance Company of Kansas Trinity and Lloyd's Insurance Company. All are 100% reinsured by Trinity Universal. The ultimate parent, Unitrin Inc., is a publicly-traded holding company which provides life/health and property/casualty insurance as well as consumer financial services. The group writes on a regional basis, specializing in personal lines business for middle income families and standard commercial lines classes.
 "The rating assignment reflects the consolidated group's outstanding financial performance, conservative operating strategy and very liquid balance-sheet position," said John H. Snyder, senior vice president of Best's property/casualty division. The group has consistently produced very favorable operating results with a five-year operating ratio of 90, six points better than the industry average. This favorable operating performance has enabled the insurance operations to pay considerable dividends to the parent over the last five years while maintaining very conservative capitalization with $565.6 million of consolidated policyholders' surplus supporting $448.7 million of net writings. An excellent liquidity position is supported by over $1 billion in consolidated invested assets. Further strengthening the balance sheet is a very strong loss reserve position.
 Also, Financial Indemnity Insurance Company, Burbank, CA, was assigned a 1993 Best's Rating of "Qualified A+" (Superior). The company's superior financial strength was affirmed and its rating level of "A+" was unchanged.
 This rating reflects the company's outstanding financial performance, favorable capital position and liquid balance sheet. The company specializes in underwriting nonstandard automobile business and has produced very profitable underwriting results with a five-year combined ratio of 91, 20 points better than the industry norm. Strong earnings have added significantly to surplus while still paying large dividends to the parent. A strong capital position is maintained with $75.2 million of surplus supporting $144 million of net writings.
 Union National Fire Insurance Company, Baton Rouge, LA, was assigned a 1993 Best's Rating of "A" (Excellent). The company's excellent financial
strength was affirmed and its rating level of "A" was unchanged.
 This rating reflects the company's outstanding financial performance, very strong capital position and very liquid balance sheet. The company specializes in underwriting home service and extended coverage on a monthly basis in the Southern United States. Underwriting results of the company have been excellent with a five-year operating ratio of 97. A very conservative capital position is maintained with $11.1 million of surplus supporting $13.8 million of net writings.
 In addition, United Casualty Group, Philadelphia, Pa., was assigned a 1993 Best's Rating of "A+" (Superior). The group's superior financial strength was affirmed and its rating level of "A+" was unchanged. The rating applies to the consolidated results of United Casualty Insurance Company of America, its subsidiary, Lehigh Valley Insurance Company, and United Lloyd's Insurance Company, which are reinsured by United Casualty.
 This rating reflects the group's outstanding financial performance, conservative operating strategy and very liquid balance sheet position. The group has produced superior underwriting results writing home service fire and extended coverage on small dwellings with a five-year combined ratio of 96, which is 14 points better than the industry average. A strong capital position is maintained with $45 million of consolidated surplus supporting $42 million of writings.
UNUM Life Insurance Company of America, Portland, ME, was assigned a


1993 Best's Rating of "A++" (Superior). The company's superior financial
strength was affirmed and its rating level was raised from "A+" to "A++".
 "This rating reflects the company's leadership position in the group disability income marketplace, its diversified product portfolio, strong and consistent earnings profile, favorable capitalization and good balance-sheet quality," said Larry G. Mayewski, senior vice president of Best's life/health division. In addition, this rating acknowledges the financial strength and support provided by its parent concern, UNUM Corporation, and the contributions that the parent's recent strategic acquisitions have made to the organization as a whole.
 Somewhat offsetting these strengths are the continued losses associated with the development of its long-term care lines, its moderate exposure to commercial mortgage investments and the inherent challenges that face all companies with exposure to health insurance issues, in light of the recent proposals for potential state and federal health care reform. However, UNUM Life's concentration on specialty coverages makes it less susceptible to such changes than many other health insurance providers.
 UNUM Life is a recognized leader in its core group disability and related employee benefit product lines, where it has continually enhanced its market presence both through its extensive brokerage activities and from strategic ventures with other insurers. In addition, A.M. Best believes that UNUM Corp.'s acquisition in March 1993 of Colonial Life and Accident Company will further solidify UNUM Life's market leadership status, as Colonial Life and Accident's strong position in the supplemental health insurance field will add to UNUM Life's dominant position in the specialized health insurance marketplace. UNUM Life has also achieved a strong niche presence in the group pension segment, where it is among the leading providers of retirement plans to employees of hospitals and other non-profit institutions. The company's administrative capabilities and efficient cost structures provide advantages to virtually all of its business segments.
 UNUM Life of America maintains a strong liquidity position which is supported by nearly $5.5 billion of investment-grade bonds, cash and short-term securities (65% of invested assets). The company maintains a manageable exposure to commercial mortgage investments. However, A.M. Best believes that the company's conservative underwriting standards, disciplined asset/liability management practices and conservative financial management strategies mitigate the risks in this area. UNUM Life Insurance Company of America ranks among the 40 largest life/health insurers in the U.S. when measured by total assets.
 Due to its strategic role as a subsidiary of UNUM, First UNUM Life Insurance Company, Tarrytown, NY, was assigned a 1993 Best's Rating of "A+ "(Superior). This rating is based on the consolidated
performance of the parent and the subsidiary. The activities of First
UNUM are concentrated on the sale of specialty group accident and


insurance products in New York.
 U.S. Investment Group, King of Prussia, PA, was assigned a 1993 Best's Rating of "A++" (Superior). The company's superior financial strength was affirmed and its rating level was raised from "A+" to "A++". This rating applies to the consolidated results of United States Liability Insurance Company, which include its wholly-owned subsidiaries Mount Vernon Fire Insurance Company and U.S. Underwriters Insurance Company.
 "The rating reflects the group's very profitable operating results, strong capital position and highly liquid balance sheet," according to John H. Snyder, senior vice president of Best's property/casualty division. Underwriting results of the group have consistently outperformed those of the industry with a five-year pretax return on earned premium of 72 percent. The group operates as an excess and surplus lines carrier writing small, miscellaneous liability coverages. Due to the current conditions in the surplus lines market, and the
group's underwriting discipline premium volume declined over 50 percent in the last five years. An exceptionally conservative leverage position is currently maintained with $198.5 million of surplus supporting just $37 million of net writings. The group is well positioned to take advantage of market
opportunities as the standard market hardens. The group has excellent investment position with 99% of assets invested. Westfield Companies, Westfield Center, OH, was assigned a 1993 Best's Rating of "A++" (Superior). The group's superior financial strength was affirmed and its rating level of
"A++" was unchanged. The rating applies to Ohio Farmers Insurance


Company and its subsidiaries, Westfield Insurance Company and Westfield National Insurance Company, that all operate under an intercompany pooling agreement.
 This rating reflects management's conservative operating strategy, outstanding financial performance and very strong capital position. These positive rating factors are derived from the group's strong agency relationships and the favorable operating and regulatory environment in Ohio, Indiana, Michigan, West Virginia and Illinois, where the bulk of its business is generated. It has minimal catastrophe exposure and a strong reinsurance program.
 The group's profitability has been superior to the industry and is driven by consistently favorable results across all lines of business with a five-year combined ratio of 98, which is 12 points better than the industry average. The group's results have been stable and property exposures are closely monitored. The Westfield Companies rank among the 75 largest property/casualty groups in the U.S. with $515 million in premiums supported by $376 million in surplus.
 -0- 7/6/93 AA NY030
 /PRNewswire -- July 6
 /END THIRD AND FINAL ADD


CO: A.M. Best ST: IN: INS SU: RTG

LG -- NY030C -- 8688 07/06/93 14:20 EDT
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Date:Jul 6, 1993
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