Demotech Affirms the Financial Stability Rating® Assigned to American Farmers & Ranchers Mutual Insurance Company

Columbus, Ohio, November 20, 2018: The Financial Stability Rating® (FSR) of A, Exceptional, assigned to American Farmers & Ranchers Mutual Insurance 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 American Farmers & Ranchers Mutual Insurance Company

The history of American Farmers & Ranchers is rich with culture and growth.  The longevity of this of this company reflects the strength that has remained within the organization since its beginning.  Throughout the years, the company saw significant growth.  Many of the agents and officers in the company are multi-generational which has resulted in customer loyalties and trust in the organization.  American Farmers & Ranchers is recognized as a leading domestic insurance carrier in the State of Oklahoma.

American Farmers & Ranchers Mutual Insurance Company is an Oklahoma based mutual insurance corporation that is owned by its members. The Company is licensed to write insurance in the states of Oklahoma and Idaho. The Company’s product portfolio primarily consists of the following products, included with their respective percentage of direct written premiums for 2011: homeowners and farm owners multiple peril products 50%, auto liability 22%, auto physical damage 23%  and other products 5%. Visit for more informations.

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.  Visit for more information.

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