IRIS Ratio Results for 2014

July 2015

(volume/issue 15-02)

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Data Year: 2014 NAIC IRIS RatiosJuly 15, 2015 Property and Casualty Page: 1

Annual StatementGrs Prmto Surp

Net Prmto Surp

Chgin Writ

Surp Aidto Surp

2 Yr OpRatio

InvYield

Chg inSurp

Net ChgAdj Surp

Liab toLiq Asst

Agt Balto Surp

1 YrResDev

2 YrResDe

v

CurrentResDev ($Thousands)

1 2 3 4 5 6 7 8 9 10 11 12 13 Capital Net 50 25 105 40 20 20 25100 6.5Unusual if Equal to or Over ==> 900 300 33 15 and Written

Unusual if Equal to or Under ==> -33 3.0 -10 -10 Surplus Premiums

R 34541 ALLEGHENY SURETY CO PA 59 59 9 0 98 1.7 * -1 -1 67 2 8 26 * 6 2,894 1,700R 19615 AMERICAN RELIABLE INS CO AZ 449 255 6 1 97 4.2 -10 * -19 * 96 60 * 12 14 -17 71,196 181,818R 13791 AVIATION ALLIANCE INS RRG INC MT 191 67 27 11 57 0.1 * 38 32 * 67 0 -14 -19 -26 1,706 1,150R 22250 BLUESHORE INS CO CO 68 68 999 * 0 48 0.1 * 198 * 0 69 9 0 0 0 16,540 11,186R 18163 COOPERATIVA D SEGUROS MULTIPLE PR 133 116 2 0 95 2.3 * -17 * -18 * 88 3 4 3 4 143,167 165,563R 10499 COREPOINTE INS CO MI 70 55 -12 0 98 2.5 * -41 * -41 * 64 5 -4 -5 -5 78,531 43,279R 12721 DIRECT AUTO INS CO IL 288 288 47 * 0 91 0.9 * 10 10 87 44 * -80 -75 -117 6,939 20,000R 35157 FAIR AMER INS & REINS CO NY 15 2 2 0 0 2.7 * 5 5 7 2 0 0 0 243,057 3,672R 30651 FARMERS MUT OF TN TN 95 77 14 0 94 1.5 * 1 1 45 6 1 -4 -6 13,405 10,310R 10941 FORESTRY MUT INS CO NC 133 116 29 0 89 1.4 * 17 17 71 11 -18 -20 18 17,208 19,914R 36129 IDAHO STATE INS FUND ID 111 108 8 0 105 * 2.3 * 1 1 72 6 1 2 26 * 191,165 207,148R 44369 IMPERIAL FIRE & CAS INS CO LA 306 18 -92 * 7 101 * 0.6 * -6 -6 51 9 -11 7 31 * 41,018 7,442R 12203 JAMES RIVER INS CO OH 188 34 54 * 2 50 4.6 0 0 116 * 22 -7 -12 17 160,336 55,226R 14446 MED MAL RRG INC TN 317 29 -48 * 0 66 0 * -1 -1 68 0 -9 0 -29 1,848 538R 11813 MEDICAL PROVIDERS MUT INS CO R DC 44 43 -1 1 70 1.5 * 11 12 66 9 -19 -21 -20 3,321 1,421R 14621 MOTORISTS MUT INS CO OH 137 90 4 0 94 2.7 * -2 -2 89 5 -3 -3 7 557,408 500,912R 14366 NASW RRG INC DC 353 21 40 * 16 * 157 * 0 * 0 0 289 * 51 * -1 0 -2 1,306 276R 19119 NATIONAL UNITY INS CO TX 375 260 -8 8 96 3.5 1 1 83 32 11 -10 31 * 21,424 55,767

15110 NEWPORT BONDING & SURETY CO PR 82 82 1 0 87 6.1 7 6 61 3 865 * 1471 * 1070 * 2,264 1,858R 15208 ONYX INS CO INC A RRG TN 361 316 * 380 * 0 99 1 * 39 -21 * 189 * 137 * 9 0 74 * 3,676 11,604R 12613 PREMIER PHYSICIANS INS CO INC NV 142 118 1 0 103 * 2 * 4 1 90 14 13 21 * 12 3,668 4,329R 14133 QUALITAS INS CO CA 10 8 999 * 0 40 1.4 * 117 * -19 * 11 1 0 0 0 14,943 1,262R 13078 RED CLAY RRG INC SC 50 39 -3 0 49 0 * 10 9 60 0 -21 -41 -31 3,665 1,440R 12005 SENTINEL ASSUR RRG INC HI 52 43 10 0 139 * 1.4 * 10 10 48 0 -8 21 * 7 8,728 3,739R 14207 SPIRIT COMMERCIAL AUTO RRG INC NV 1110* 869 * 96 * 0 121 * 0.4 * -36 * -107 * 187 * 188 * 82 * 61 * 126 * 4,239 36,829

R: Revised Report C: See MPCI footnote at the beginning of this section. *: Values outside 'Usual Range'M: Survivor of a Merger. IRIS results have been calculated based on data that is reflective of the merger.

CAUTION: The information contained on this page is unaudited and not a complete financial analysis nor is it an expression of opinion on any insurer. (See Introductory Remarks.)The page may contain inadvertent errors.

© 2015 National Association of Insurance Commissioners

Data Year: 2014 NAIC IRIS RatiosJuly 15, 2015 Property and Casualty Page: 2

Annual StatementGrs Prmto Surp

Net Prmto Surp

Chgin Writ

Surp Aidto Surp

2 Yr OpRatio

InvYield

Chg inSurp

Net ChgAdj Surp

Liab toLiq Asst

Agt Balto Surp

1 YrResDev

2 YrResDe

v

CurrentResDev ($Thousands)

1 2 3 4 5 6 7 8 9 10 11 12 13 Capital Net 50 25 105 40 20 20 25100 6.5Unusual if Equal to or Over ==> 900 300 33 15 and Written

Unusual if Equal to or Under ==> -33 3.0 -10 -10 Surplus Premiums

R 23060 TRI STATE CONSUMER INS CO NY 67 60 -5 0 68 4.7 4 4 63 1 -6 -12 -10 50,640 30,25140525 UNITED GUAR CREDIT INS CO NC 1 1 -38 * 0 0 2.6 * 3 3 8 0 -4 -6 0 22,306 240

R 11981 WESTGUARD INS CO PA 8 4 92 * 0 83 0.3 * 2011* 39 * 146 * 8 -3 -5 0 309,051 11,904R 11796 YELLOWSTONE INS EXCH RRG VT 101 39 -53 * 0 79 1.7 * -16 * -16 * 68 1 -24 -56 -65 6,219 2,450

R: Revised Report C: See MPCI footnote at the beginning of this section. *: Values outside 'Usual Range'M: Survivor of a Merger. IRIS results have been calculated based on data that is reflective of the merger.

CAUTION: The information contained on this page is unaudited and not a complete financial analysis nor is it an expression of opinion on any insurer. (See Introductory Remarks.)The page may contain inadvertent errors.

© 2015 National Association of Insurance Commissioners

Data Year: 2014 NAIC IRIS RatiosJuly 15, 2015 Life, Accident and Health Page: 1

Net Chg Grs Chg Adq Inv R Es to Aff to Surplus Chg in Chg in Chg in Annual StatementNet to NonAdm Chg RsvC / S C / S Inc Inc Assets C / S C / S Relief Prem Prod Asset Ratio ($Thousands)

1 2 3 4 5 6 7 8 9 10 11 12 Unassigned Net100 ** 50 5.0 5.0 20Unusual if Equal to or Over: 50 50 900 10 30 Funds and Written

Unusual if Equal to or Under: -10 -10 0 125 -10 -20 Surplus Premiums

R 60208 AMALGAMATED LIFE & HLTH INS CO IL -14 * -14 * -2 * 975 * 5 0 0 5 -4 0 0.7 12 3,284 4,120R 15518 BROCKFIELD LIFE INS CO DE NR NR 65 NR 0 0 0 0 NR NR U* 0 550R 90859 CIGNA WORLDWIDE INS CO DE -41 * -41 * -78 * 69 * 86 * 0 823 * 0 -95 * 3.3 1.1 -125* 5,222 96

13028 LINCOLN REINS CO OF SC SC 5 5 -9 * 32 * 0 0 6 0 15 0.8 0.1 18 57,994 10,30413920 LINCOLN REINS CO OF VT II VT -3 -3 U* NR 0 0 0 0 0 NR 0 0 397

R 88099 OPTIMUM RE INS CO TX 4 4 3 36 * 1 2 10 26 25 3.1 1.4 10 29,155 51,243R 69523 TRANS OCEANIC LIFE INS CO PR 15 15 15 923 * 4 10 0 0 0 0.1 0.3 10 33,735 29,998

R: Revised Report M: Survivor of a merger. IRIS results have been calculated based on data that is reflective of the merger.*: Values outside 'Usual Range' NR: No Result U*: Result automatically considered Unusual. **: 30 to -99 for over $5 million Unassigned Funds and Special Reserves, 10 to -10 for $5 million or less Unassigned Funds and Special Reserves.

CAUTION: The information contained on this page is unaudited and not a complete financial analysis nor is it an expression of opinion on any insurer. (See Introductory Remarks.)The page may contain inadvertent errors.

© 2015 National Association of Insurance Commissioners

Data Year: 2014 NAIC IRIS RatiosJuly 15, 2015 Fraternal Page: 1

Chg in Net Adq of NonAdm R Es to Aff to Surplus Chg in Chg in Chg in Chg Rsv Annual StatementIncome Inv Assets Assets Surplus Relief Prem Prod Asset Ratio ($Thousands)Surplus

1 2 3 4 5 6 7 8 9 10 11 Unassigned Net ** 50 5.0 5.0 20 50 900 30 100Unusual if Equal to or Over: Funds and Written

Unusual if Equal to or Under: -10 0 125 -10 -20 Surplus Premiums

R 56324 CZECH CATHOLIC UNION OH 5 3 157 0 0 0 0 25 0.9 1.1 -263 * 2,495 1,339R 57541 MODERN WOODMEN OF AMER IL -2 5 149 0 4 2 0 2 0.5 0.2 4 1,479,047 1,065,346

R: Revised Report M: Survivor of a merger. IRIS results have been calculated based on data that is reflective of the merger.*: Values outside 'Usual Range' NR: No Result U*: Result automatically considered Unusual. **: 30 to -99 for over $5 million Unassigned Funds and Special Reserves, 10 to -10 for $5 million or less Unassigned Funds and Special Reserves.

CAUTION: The information contained on this page is unaudited and not a complete financial analysis nor is it an expression of opinion on any insurer. (See Introductory Remarks.)The page may contain inadvertent errors.

© 2015 National Association of Insurance Commissioners

Formed in 1871, the National Association of InsuranceCommissioners (NAIC) is a voluntary organization of the chiefinsurance regulatory officials of the 50 states, the District ofColumbia and five U.S. territories. The NAIC has three offices:Executive Office, Washington, D.C.; Central Office, KansasCity, Mo.; and Capital Markets and Investment Analysis Office,New York City.

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