A.M. Best Affirms Ratings of Insurance Subsidiaries of Western Financial Group, Inc

A. M. BestCo. has confirmed the financial strength rating (FSR) of-(Excellent) and issuer credit rating (ICR) of "-" The Western Life Assurance Company (WLA) (High River, AB, Canada). At the same time, A.M. The best has been confirmed by FSR of-(Excellent) and ICR of "-" Western Financial Insurance Company (WFIC) (Winnipeg, MB, Canada). Outlook for all ratings is stable.
Classifications WLA reflects a steady increase in the premium risk-adjusted capital and the production of a positive operating profit. Risk-adjusted value of further improving the high quality investment portfolio, which contains no less than investment grade bonds, mortgages or real estate. Over the past five years, WLA has recorded consistently positive business results, which have improved the level of total capital. WLA is also fueling growth in its main markets, where a group accident and health insurance is the largest segment of the result and contribute to premiums. WLA will also continue to benefit from the membership of the Desjardins Financial Group (Desjardins), evidenced by the recent re-insurance with Desjardins, which will help to improve the Canadian regulatory capital ratio goes ahead and allows for better deployment of capital within Desjardins.
In the future, WLA will continue to challenge to achieve a larger market share of smaller niche in Canada. The group and individual accident and health insurance market is still affected by the competition of larger, nationally recognized companies. Although the significant increase in growth over the past several years, the company has not yet achieved significant economies of scale.
Reviews and prospects are WFIC reflect the company's strong risk-adjusted value, the sound pure loss ratios and conservative investment strategy profile. Ratings also reflect the greater financial flexibility and the estimated amount to its parent company, Desjardins. WFIC is a specialty of the author and the market leader for pet insurance in Canada. A. M. The best view, the company is well positioned to its underwriting guidelines retroactively to maintain positive operating result.
Factors that may lead to positive rating actions WLA and WFIC are still profitable organic growth and continuation of a favorable risk-adjusted value. Key factors that could cause negative rating actions are weakening the financial strength of companies' parent company, Desjardins Financial Group, a major or a continued decline in risk-adjusted value, or the operating system performance, which AM Best does not meet the expectations of long-term.
The methodology used in determining these ratings is the best credit rating methodology, which provides a comprehensive explanation of AM Best's rating process and includes different classification criteria used in the rating process. The main criteria used include: "Risk Management and Insurance Rating Process", "Understanding BCAR for Life / health insurers' Understanding BCAR Property / Casualty Insurance Companies" and "Rating Members of Insurance Conglomerates. "

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