FEBRUARY 12, 2026 12.22 PM (EST) AM> Best Affirms CreditRatings of LivaInsuranceB.S.C ... The negative outlooks reflect concerns over Liva Group's underwriting performance, which has been below AM Best's expectations in recent years.
The ratings reflect ASIL's balance sheet strength, which AM Best assesses as strongest, as well as its adequate operating performance, favorable business profile and appropriate enterprise risk management.
AM Best has affirmed the Financial StrengthRating of B+ (Good) and the Long-Term Issuer Credit Rating of "bbb-" (Good) of Himalayan Reinsurance Limited (Himalayan Re) (Nepal) ... AM Best views the company's operating performance as adequate.
FEBRUARY 12, 2026 09.43 AM (EST) Best's Special Report... The calculations for each transaction are based on AM Best's factor-based approach and are described in AM Best's Evaluating Mortgage Insurance criteria procedure.
The CreditRatings (ratings) reflect UEIG's balance sheet strength, which AM Best assesses as very weak, as well as its adequate operating performance, limited business profile and marginal enterprise risk management (ERM).