Demotech Affirms the Financial Stability Rating® Assigned to YCI, Inc.

Columbus, Ohio, July 7, 2021: The Financial Stability Rating® (FSR) of A’ (A Prime), Unsurpassed, assigned to YCI, Inc. has been affirmed by Demotech, Inc.  This level of FSR is assigned to insurers who possess unsurpassed 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 YCI, Inc.

YCI, Inc. (formerly American Farmers & Ranchers Insurance Company) is an Oklahoma domiciled stock insurance corporation, and a wholly owned subsidiary of American Farmers & Ranchers Mutual Insurance Company (AFR). YCI, Inc. is a property & casualty certificates of authority in 24 states writing property, marine and transportation, casualty (excluding workers’ compensation), and surety lines of insurance. The Company has authority to sell its products through independent insurance agents in the states of Arizona, California, Colorado, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, North Dakota, Oklahoma, Oregon, South Dakota, Texas, Utah, Washington, Wisconsin, and Wyoming.

YCI stands for “Your Choice Insurance”.  The name was changed in late 2017 as part of a strategic initiative to offer products specifically targeted to the changing rural insurance marketplace.  These new products leverage increasing underwriting and analytic sophistication enabled by the company’s relationship with Britecore and Willis Towers Watson.

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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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