Demotech Affirms the Financial Stability Rating® Assigned to Frontline Insurance Unlimited Company

Columbus, Ohio, August 19, 2021: The Financial Stability Rating® (FSR) of A, Exceptional, assigned to Frontline Insurance Unlimited Company has been affirmed by Demotech, Inc. This level of FSR is assigned to insurers who possess exceptional financial stability related to maintaining positive surplus as regards policyholders, liquidity of invested assets, an acceptable level of financial leverage, reasonable loss and loss adjustment expense reserves (L&LAE) and realistic pricing.

FSRs summarize Demotech’s opinion of the financial stability of an insurer regardless of general economic conditions or the phase of the underwriting cycle. FSRs utilize statutory financial data based on insurance accounting principles prescribed or permitted by the National Association of Insurance Commissioners (NAIC). Since 1989, FSRs of A or better have been accepted by the major participants in the secondary mortgage marketplace.

About Frontline Insurance Unlimited Company

Frontline Insurance Unlimited Company (FIUC) domiciled in the State of Illinois, (formerly known as Martingale National Insurance Company) was acquired by Frontline Unlimited Holdings Corporation (FUHC), a Florida domiciled company, on February 7, 2014. 100% of the capital stock of FIUC is owned by FHUC. FIUC became a member of the First Protective Group (NAIC code 4773) during the second quarter of 2014. FIUC and First Protective Insurance Company are affiliated insurance companies with common ownership. FIUC began writing surplus lines and commercial businesses in Florida in June 2014, is currently writing in Florida, North Carolina and South Carolina. FIUC is also licensed in Georgia. For more information visit

About Demotech, Inc.

Demotech, Inc. is a financial analysis firm specializing in evaluating the financial stability of regional and specialty insurers.  Since 1985, Demotech has served the insurance industry by assigning accurate, reliable, and proven Financial Stability Ratings® (FSRs) for Property & Casualty insurers and Title underwriters.  FSRs are a leading indicator of financial stability, providing an objective baseline of the future solvency of an insurer.  Demotech’s philosophy is to review and evaluate insurers based on their area of focus and execution of their business model rather than solely on financial size.  Demotech was the first to review and rate independent regional and specialty insurers. Demotech’s consistently increasing list of accreditations and acceptances has resulted in rating and reviewing more than 400 insurers operating in the US.  Visit for additional information.

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