Development
B
FARM BUREAU P&C INS CO
Rating Date
December 2023
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: History of adequate reserve strength (6.4 on a scale of 0 to 10) as reserves have been consistently at an acceptable level. Good overall results on stability tests (5.0) despite weak results on operational trends and negative cash flow from operations for 2022.
Other Rating Factors: Fair profitability index (4.4) with operating losses during 2022. Return on equity has been fair, averaging 7.3% over the past five years. Fair liquidity (4.9) as cash resources may not be adequate to cover a spike in claims. Strong long-term capitalization index (9.1) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Stability Factors: F - Negative cash flow. L - Past results on our liquidity tests. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (41.4%), farmowners (27.2%), homeowners (22.1%), comm multi (4.2%), work comp (1.8%), other (3.3%)
Licensed in: AZ, ID, IA, KS, MN, MO, NE, NM, SD, UT, WI
Principal Investments: Investment grade bonds (64.8%), common stock (22.8%), non investment grade bonds (2.9%), real estate (0.7%), preferred stock (0.3%), other (8.4%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
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Net Premium Growth
Investments in Affiliates
Corporate Info
Group Affiliation
Iowa Farm Bureau
Investment Rating
--
Company Address
5400 University Avenue
West Des Moines, IA 50266
Phone Number
(414) 369-5033
NAIC Number
13773
Largest Affiliates
B
West Des Moines, IA - L&A
B
West Des Moines, IA - P&C
B
West Des Moines, IA - L&A