Demotech Affirms the Financial Stability Rating® Assigned to US Insurance Company of America

Columbus, Ohio, February 8, 2022: The Financial Stability Rating® (FSR) of A, Exceptional, assigned to US Insurance Company of America 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 US Insurance Company of America

U.S. Insurance Company of America (USICOA) was founded in 2007 as a monoline liquor liability carrier in the state of Illinois. Over the years, it has continued to expand in both offerings for lines of business as well as its geographical reach and is currently active in five states. USICOA is headquartered in Springfield, Illinois and is focused on bringing modern technology to its agents for better efficiency in underwriting, production, and customer service in the industry. While offering competitive rates, USICOA maintains its excellent RBC ratio and other financial ratios through exposure selection, careful underwriting, reinsurance, and controlled growth along with comprehensive program development. Visit for more information.

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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