While Demotech acknowledges and recognizes the importance of the profitability of the entity assigned a rating, we believe that balance sheet strength and financial integrity are the ultimate determinants of the long term financial stability required to honor or defend meritorious claims. highly qualified professionals and edited by Life, Health, or Fraternal Insurance Review, Demotech Performance of Title Insurance Companies, Property and Casualty Research and Analysis, Demotech Summarizes Major Legislative Reforms Impacting Florida Residential Property, Demotech The Rating Agency that Stepped Up, Status of Demotechs Financial Stability Rating Reviews of Florida Focused Carriers, Demotech Withdraws the Financial Stability Rating, Demotech Assigns Financial Stability Rating, Demotech Affirms the Financial Stability Rating, Contact Us Today About Obtaining a Financial Stability Rating. Each tier has different coverage levels and can be personalized with unique add-on coverage types. Demotechs consistently increasing list of accreditations and acceptances has resulted in rating and reviewing more than 400 insurers operating in the US. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Take our 3 minute quiz and match with an advisor today. Please tell us what we can do to improve this article. Interview with Florida Commissioner Altmaier: Private Flood Market and NFIPs 2.0, Florida Governor to Sign Property Insurance Measure But Says State Needs to Do More, Florida Citizens Property Insurance Corp. (CPIC), Florida Insurers Sustain 'A' Ratings, For Now, As 2020 Industry Losses Top $1.5B, Root Books Another Net Loss; Stays Positive on Embedded Insurance Results, Florida's SB 2A Ended One-Way Legal Fees. Insureds, agents, and third parties need to independently evaluate any relationship with a particular insurer as well as the applicability of an insurers products to the needs of the insured or agent. We do not include the universe of companies or financial offers that may be available to you. However, Demotech has granted a. Power scores, we review where insurance companies fall on the National Association of Insurance Commissioners (NAIC) Complaint Index Report. The Exchange notes that policies will renew with coverage changes, but it does not state what these coverage changes are. We know that, for some, customer satisfaction may be just as important as cheap homeowners rates. Demotech was the first to review independent, regional and specialty insurers, 1989. $392.5 M. American Integrity Insurance Co., Florida Peninsula Insurance Co., Homeowners Choice Property & Casualty Insurance Co., Southern Oak Insurance Co., and TypTap Insurance Co. are trending toward an upgrade, thanks to above average enterprise risk management functions and favorable operating results over time in conjunction with their current capital position. We are an independent, advertising-supported comparison service. Power to measure this metric. Demotechs focus on determining ratings is unique. It is important that you check with your E&O carrier to confirm that you will have no issues by placing business through Tower Hill before coverage is bound. Small, well-managed Property & Casualty insurers are more financially stable than larger, highly leveraged insurers. Demotech: A: For NAIC and FLOIR complaint scores, a lower number indicates fewer complaints. Demotech, Inc. was the first firm to review independent, regional and specialty insurers, 1989. However, as home insurance rating factors play an important role in determining your final premium, your actual rates may vary. subject matter experts, In addition to home and flood insurance, Tower Hill offers other lines of insurance that may appeal to homeowners: Tower Hill's website does not share if the company has any ongoing community or philanthropic initiatives. Vous pouvez modifier vos choix tout moment en cliquant sur le lien Tableau de bord sur la vie prive prsent sur nos sites et dans nos applications. Our goal is to give you the best advice to help you make smart personal finance decisions. However, J.D. Tower Hill Prime Insurance Company has earned a Financial Stability Rating (FSR) of A (Exceptional) from Demotech, Inc. DeSoto Prime Insurance Company was acquired by a Tower Hill holding company in March 2003, and later renamed Tower Hill Prime. Due to the volatile Florida homeowners insurance market, Tower Hill has announced that it is pulling its personal lines out of the Sunshine State and instead replacing it with a reciprocal insurance model the Tower Hill Insurance Exchange. These include landscaping coverage, food spoilage, trampoline liability, lock replacement and more. Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. . % of people found this article valuable. However, the company did expand into Alabama, Georgia, Illinois, Indiana, Ohio, Missouri, South Carolina and Wisconsin in 2018. A.M. Best Upgrades Credit Ratings of American Strategic Ins Corp; Assigns Ratings to Progressive Property Ins Company: Aug 25, 2017: A.M. Best Revises Outlooks to Positive for American Strategic Insurance Corp and Affiliates: Feb 11, 2016: A.M. Best Affirms Ratings of The Progressive Corporation and Its Subsidiaries: Jul 31, 2015 Columbus, Ohio, May 31, 2022: With the development and implementation of a revised strategic plan, Tower Hill Insurance Group will cease writing business into Tower Hill Preferred Insurance Company and Tower Hill Signature Insurance Company. Demotech President Joseph Petrelli said in a e-mail to Insurance Journal the nine companies that must enhance results will be harder pressed to do so if the Florida Legislature does not pass meaningful and significant tort reform.. For a complete list of Tower Hill states, please get in touch with the company directly. Our extensive research shows that Tower Hill could be a good choice for homeowners looking for prepackaged policies with robust coverage options. 7 (866) 568-8922. What a monumental let down, some of these carriers are so thinly capitalized that a strong fart will send them into receivership. Tower Hill Prime Insurance Company has earned a Financial Strength Rating of B+ (Good) from A.M. Best and a Financial Stability Rating (FSR) of A (Exceptional) from Demotech, Inc. DeSoto Prime Insurance Company was acquired by a Tower Hill holding company in March 2003, and later renamed Tower Hill Prime. We wound up having two claims this year. FSRs summarize Demotechs opinion of the financial stability of an insurer regardless of general economic conditions or the phase of the underwriting cycle. FSRs are a leading indicator of financial stability, providing an objective baseline of the future solvency of an insurer. Coverage.com, LLC, a licensed entity (NPN: 19966249). That has left the company over-leveraged with loans. This has placed Demotech, the primary rating agency for property insurers in the coastal regions, in a difficult position of having to report an inconvenient financial truth and has dragged it unwittingly into being a protagonist for an unlikely reform process in the Florida legislature and in other states," he said. Demotech Performance of Title Insurance Companies; . Its high-value home insurance offering has three tiers Typical, Prime Plus and Spire. Ratings agency Demotech has affirmed the 'A' ratings of the Florida homeowners carriers it rates, which account for approximately 66% of the state's market, after review of 2020 year-end and. Pour en savoir plus sur la faon dont nous utilisons vos donnes personnelles, veuillez consulter notre politique relative la vie prive et notre politique en matire de cookies. Property Casualty. More recently, we were the first to call for a special session on Florida's property insurance marketplace. We guide you throughout your search and help you understand your coverage options. 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. Just last week, Citizens President and CEO Barry Gilway noted that Florida domestics unprofitable results in 2019 not only continued, but worsened. 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. Bankrates editorial team writes on behalf of YOU the reader. So the ratings are based on a wide array of different criteria relating to financial health. Florida carriers have now endured five consecutive years of net income and net underwriting losses thanks to what they say is a combination of excessive litigation, contractor schemes, several years in a row of major catastrophes and the increasing cost of reinsurance. Legislation Tower Hill also offers unique add-on coverage options that might be difficult to find with other carriers. 2023 Bankrate, LLC. 17, 2021 | Updated Mar. One relating to hurricane Irma and one caused by a plumbing problem. On March 30, Demotech affirmed the A financial stability ratings of the following companies: Avatar Property & Casualty Insurance Co., Centauri Specialty Insurance Co., Cypress Property & Casualty, Safepoint Insurance Co., and Tower Hill Signature Insurance Co. Also affirmed were Tower Hill Select Insurance Co. and Omega Insurance Co., after their merger into Tower Hill Signature was approved by the Florida Office of Insurance Regulation on March 25. Two Demotech Financial Stability Ratings Voluntarily Withdrawn COLUMBUS, Ohio, May 31, 2022 /PRNewswire/ -- With the development and implementation of a revised strategic plan, Tower Hill Insurance Group will cease . This company maintains an A rating from Demotech and issues 2.42 percent of home insurance policies in the state. Financial stability can be independent of size. Gilway said Florida domestics ended 2019 with a net underwriting loss of $684 million and negative net income of $340 million, which is more than double the net income loss in the prior two years. We have a long and independently verified track record identifying financially stable insurers. She also has experience selling supplement coverage such as umbrella insurance. Required fields are marked *. Tower Hill officials did not go into detail about the groups current financial picture, but said that Tower Hill Primes balance sheet was strong and that risk-based capital is well above required levels. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. Copyright 2023 Demotech, Inc. All Rights Reserved. You have money questions. Coverage.com may not offer insurance coverage in all states or scenarios. Visit www.demotech.com for additional information. Yes, consumers frequently complain about FedNat Insurance. mesurer votre utilisation de nos sites et applications. About Tower Hill Founded in 1972, Tower Hill Insurance is a leader among residential and commercial property insurers in the Southeast. The same day that AM Best announced the downgrade, Tower Hill said it no longer wished to participate and asked that its TH Prime rating be withdrawn altogether. You might think of financial operating results as a lagging indicator of the conditions in the marketplace. Bonds are not insurance or reinsurance. The company's highest-tier Spire package comes with many of these optional coverages built into the policy. This is slightly more than the national average, which is $1,428 per year for the same amount of dwelling coverage. USA We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Demotech said that Floridas insurance system was designed to mitigate the financial impact of natural disasters was revised on an ad hoc basis and was never designed to address man-made disasters such as the judicial precedents created by AOB cases. The company said it began in 1972 as one small agency in south Florida, and is still owned by members of the same family. Bankrate follows a strict Our new website has been streamlined to provide our policyholders, potential policyholders, and agents with easy to find and quick access to information. A Financial Stability Rating summarizes our opinion as to an insurers ability to insulate itself from the business cycle that exists in the general economy as well as the underwriting cycle that exists in the insurance industry. Stay informed with the Demotech Difference Magazine. Welcome to the newly redesigned Edison Insurance Company website. With the cessation of business flowing into Tower Hill Preferred and Tower Hill Signature, the next step in our strategic plan is to voluntarily withdraw the Financial Stability Ratings . Petrelli also recently warned that absent meaningful reform, insurers focused on the Florida property insurance marketplace will not be an investment of choice, making it harder for them to secure needed capital. O'Connor is the Southeast editor for Insurance Journal and associate editor of MyNewMarkets.com. Five other carriers made moves through acquisition by other entities that replenished their balance sheets in order to remain viable: Its not all bad news for Florida companies, Demotech noted in the ratings announcement. Commercial Lines policies, including commercial package, mono-line property and businessowners are available in Alabama, Florida and South Carolina. Size is not necessarily indicative of financial stability. 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. Remember them? When you're ready, you can file a claim with Tower Hill Insurance by: It also may be worth noting that most insurance agents recommend filing your claim as soon as possible while the information is still fresh in your mind. They have addressed the needs of policyholders, investigated and settled claims, paid their employees, producers, and reinsurers, met with us, negotiated with reinsurers for their 2020 programs, and filed timely financial statements in an orderly manner.. Tower Hill Insurance Group has been protecting our customers for over 50 years and we are looking forward to the next 50 and more.. Bankrate's team, including four licensed insurance agents, aims to leverage our real-world insurance experience to research and analyze companies to help our readers make wise decisions regarding their coverage. The downgrade of Tower Hill Prime's Long-Term ICR reflects a significant decline in its overall risk-adjusted capitalization, as measured by the Best Capital Adequacy Ratio (BCAR), to the very . Demotech has affirmed 37 of the 46 Florida-based companies rated by the actuarial firm, as of March 26, according to information gathered from Demotech's website. Transitioning to the reciprocal insurer business model affords continued growth through increased capacity. FSRs summarize Demotechs opinion of the financial stability of an insurer regardless of general economic conditions or the phase of the underwriting cycle. The downgrade of Tower Hill Primes Long-Term ICR (issuer credit rating) reflects a significant decline in its overall risk-adjusted capitalization, as measured by the best capital adequacy ratio (BCAR), to the very strong level from the strongest level, coupled with continued surplus erosion and elevated financial leverage of the holding company, AM Best said in a statement. Since 1985, Demotech has served the industry by assigning accurate, reliable, and proven Financial Stability Ratings to Property & Casualty insurers and Title underwriters. The main driver of losses reported earlier this year was storms, the company said, but did not elaborate on which events it was referring to. Since 1985, Demotech has served the industry by assigning accurate, reliable, and proven Financial Stability Ratings to Property & Casualty insurers and Title underwriters. These are sample rates and should be used for comparative purposes only. This company also boasts numerous discounts that could help Floridians save on their homeowners insurance policies. The Better Business Bureau (BBB) has given FedNat an A+ rating, and there have been 116 Federated National Insurance Company complaints filed in the last three years. Green Building Investments Reach New Heights But Can Carrier Capacity Keep Up? Green Building Investments Reach New Heights But Can Carrier Capacity Keep Up? Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. We maintain a firewall between our advertisers and our editorial team. The carrier is a member of the Tower Hill Insurance Group family of companies. Exchange and Prime retain the FSRs affirmed earlier this year. An appointed agent for Tower Hill said the AM Best downgrade could be devastating for the insurer, and would mean Tower Hill Prime wont be able write as much business it needs to. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. We are confident in the financial strength of Tower Hill Prime and Tower Hill Insurance Exchange and look forward to servicing our customers and members in Florida and other markets for years to come, the company said. With thoughts turning to the key mid-year reinsurance renewals and negotiations already underway for many Florida domestic insurance carriers, rating agency Demotech has warned that nine. The long-awaited Demotech rating decisions for Florida domestic carriers are in, with many carriers having satisfied necessary steps to avoid ratings downgrades by the financial analysis firm. And in May, Tower Hill Insurance Group said it had voluntarily withdrawn its Demotech rating for Tower Hill Preferred and Tower Hill Signature companies, noting that policies were being transferred into the reciprocal exchange. Downgraded moths before official action. Carriers In addtion to infusing additional capital to replenish surplus and report acceptable financial metrics, companies are securing rate revisions that reflect the incremental cost of reinsurance and the frequency and severity of claims, and re-evaluating their business models and/or plan. Demotechs 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. Interview with Florida Commissioner Altmaier: Private Flood Market and NFIPs 2.0, Florida Governor to Sign Property Insurance Measure But Says State Needs to Do More. Our content is backed by At that time, it also asked those insurers to answer two questions based on the following Florida-specific circumstances: 1. the lingering impact of the judicial activism of the past; 2. the litany of named weather events; 3. increases in the cost of reinsurance, and 4. the specter of additional increases in the cost of reinsurance in 2020. Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Bankrate's insurance editorial team knows how important honest, thorough company reviews may be when shopping for the best homeowners insurance company. Carriers are also completely re-underwriting their current books of business and, when allowable, canceling or non-renewing policies that are outliers., Demotech: Investor Interest in Florida Will Diminish Without Legislative Action, Demotech affirmed 12 other companies that have taken specific actions to enhance results as well as secure and infuse a substantial amount of additional capital to mitigate the cumulative impact of the operating results on their balance sheets., The insurers are positioned to record and report markedly improved operating results in 2021 while also meeting or exceeding the financial metrics for an FSR of A.. GAINESVILLE, FL MARCH 15, 2021 We are pleased to announce that our Financial Stability Rating (FSR) of "A" (Exceptional) has been reaffirmed by Demotech, Inc. for Tower Hill Preferred, Tower Hill Prime and Tower Hill Signature Insurance Companies. Should you accept an early retirement offer? The challenges facing Florida focused insurers is the operating environment that has emerged in Florida., In a statement to Insurance Journal on Demotechs report, the Florida Office of Insurance Regulation said, Florida is one of the most complex insurance markets in the world. According to AM Best, Tower Hill Prime has a negative outlook, and its financial strength rating was downgraded from B++ (Good) to B+ (Good) in 2022. Shoppers interested in Tower Hill's high-value homeowners insurance may be interested in Chubb, as this company offers extensive home insurance endorsements tailored to high-value homes. We value your trust. In other words, they funded their operating losses through capital infusions so as to continue to try to execute their business plan, despite the trying circumstances.. . For more information, please see our For the second year in a row, ratings agency Demotech Inc. said several Florida insurers would need to improve their finances to maintain stability . PO Box 147018, Gainesville, Florida, 32614, United States. If you are outside of Florida or these listed states, you could get in touch with a Tower Hill agent to see if the company is available to you. View original content to download multimedia:https://www.prnewswire.com/news-releases/two-demotech-financial-stability-ratings-voluntarily-withdrawn-301558321.html, Dont Sleep With Your Dog Until You Watch This. Property That leaves fewer than 10. Note: Access to Best's Credit Ratings is available to members. . Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Tower Hill still holds an A rating through Demotech for financial stability. The cost of the Rapid Cash Buildup Program of the Florida Hurricane Catastrophe Fund and competition from the states insurer of last resort, Citizens Property Insurance Corp., are other challenges. Citizens Property Insurance Corp. has estimated that it will see some 225,000 claims from Ian and as much as $2.6 billion in losses. Ratings agency Demotech has affirmed the A ratings of the Florida homeowners carriers it rates, which account for approximately 66% of the states market, after review of 2020 year-end and projected Q1 2021 results. Please tell us what we can do to improve this article. Finally, while financial strength may not be a direct indicator of customer satisfaction, it does indicate a company's historical ability to pay out claims. The decision was based on the potential of further negative action from A.M. Best. Your Name * Demotech said carrier responses used to make ratings decisions included documentation of the companys jurisdictional diversification, voluntary runoff, marketing existing books of business to other carriers, merging affiliates, or securing assistance. Personal lines insurance, such as homeowners insurance, were previously written under Tower Hill Prime, but it was recently announced that 50 percent of these policies will be non-renewed by 2022 as Tower Hill Prime prepares to leave the Florida market in 2023. AM Best announced Sept. 28 that it had downgraded the financial strength rating for Tower Hill Prime Insurance Co. from B+ (good) to B (fair) and said the outlook for the company is negative. Profit Loss. Demotech's rating affirmation was based on 2016 annual statutory and supplemental information provided. The exchange program should have 200,000 subscribers by the end of the year. Demotech Inc. specializes in providing ratings and detailed financial analysis of regional and specialty insurers. A large number of reviews are overwhelmingly . Or, perhaps Tower Hill isn't available in your area. If you want to compare home insurance quotes from more carriers, you might be interested in the companies below. Universal Property and Casualty Insurance Co. Demotech, Inc. is a financial analysis firm specializing in evaluating the financial stability of regional and specialty insurers. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. But this compensation does not influence the information we publish, or the reviews that you see on this site. Amelia Buckley is an insurance editor, covering auto, home and life insurance. The Credit Ratings (ratings) reflect Tower Hill Prime's balance sheet strength, which AM Best assesses as very strong, as well as its marginal operating performance, limited business. Managing general agency contract and financial statements, when necessary, Holding company financial statements, when necessary, Actuarial reports and documents containing appreciably more detail than the actuarial opinion letter, which is a public document, Anticipated operating results in the form of pro forma financials in a prescribed format, Asset and investment management contracts, A preliminary review of horizontal and vertical reinsurance programs, A final review of horizontal and vertical reinsurance programs. Visit www.demotech.com for additional information. The remaining policies will instead be renewed under Tower Hill Insurance Exchange (the Exchange), a reciprocal insurer in which policyholders share the risk of insuring each other and any underwriting profits. Florida carriers net underwriting losses for 2020 are expected to reach a combined $1.6 billion, industry data shows. Reinsurance However, Demotech warned of tough times ahead if nearly a dozen carriers cannot improve their operating results before the end of the first quarter and the Florida Legislature fails to enact reforms as companies faced underwriting losses of more than $1.5 billion in 2020. While financial ratings are necessary in evaluating the health of the marketplace, they are not sufficient, Demotech said. At Bankrate, we strive to help you make smarter financial decisions. FSRs do not constitute a warranty of a companys ability to meet its contractual or legal obligations; are not recommendations to buy, sell or hold any securities, or to make any investment decisions related to the rated entity; and are not an endorsement of any particular insurer or its products. According to this data, Tower Hill may struggle with customer satisfaction the company has an overall complaint index of 33.02. It has continued to evolve and the exchange should be finalized by next year. Gulfstream Property and Casualty Insurance Co. Family Security Insurance Co. (an affiliate of UPC). Tower Hill is no start-up or post-Hurricane Andrew insurer. Rather than maintaining ratings with three firms, Tower Hill management made the difficult decision to withdraw the AM Best rating while the exposure to Florida runs off in the company, and once completed, reconsider the rating, Tower Hill said in its statement. Tower Hill officials, whose Gainesville-based companies as recently as late 2021 held more than 5% of the Florida property market, have said for more than a year that policies from several TH companies are being rolled into Tower Hill Insurance Exchange, a type of reciprocal insurer. O'Connor is the Southeast editor for Insurance Journal and associate editor of MyNewMarkets.com. 2020 . Tower Hill Insurance Group is a homeowners insurance company that offers homeowners, mobile homeowners, dwelling fire, condominium, renters, and flood coverage. State Farm consistently receives high customer satisfaction scores, which may be ideal for customers who want personalized service. But judging by other Florida insurers numbers, they could be significant. 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. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. Florida personal lines policies will be moved to Tower Hill Insurance Exchange, a separate entity from Tower Hill Prime created specifically to house this volatile segment. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. Demotechs President and co-founder Joseph Petrelli noted, Tower Hill Insurance Group is a thought leader focused on being responsive to consumers and producers. As of the end of 2016, all of the Tower Hill insurance companies had RBC scores above 600. Now Some Insurers Say it's Retroactive, EEOC Sues Exxon for Discrimination After Nooses Found at Plant, Insurance Account Manager or Customer Service Rep (CSR) REMOTE -, Relationship Manager Home Based Worker (Remote) -, 10 Emerging Risks & Markets to Know About, How AI Can Transform Insureds Lives in 2023, January Renewals See Hardest Property Catastrophe Reinsurance Rates in Generation, Biden's Cyber Plan Would Hold Software Makers Responsible in Hacks, Russian Airlines and Insurers Proposed Stranded Jet Settlements, AerCap Says, Sotheby's Defeats Most of Russian Billionaire's Fraud Suit, Train Derailment Probe Finds Melted Covers on Valves on 3 Cars With Chemicals, Cardinal Health, McKesson Prevail in Georgia Families' Opioid Trial, Trends in the Surplus Lines Industry 2023, Resilience for Risk and Insurance Professionals, Anchor P&C Assigned an FSR of M ceased operations, Anchor Specialty FSR of A Acquired by insurer with FSR of A, Omega FSR of A Merged into an insurer with FSR of A, Tower Hill Select FSR of A Merged into an insurer with FSR of A, Cypress TX FSR of A Merged into an insurer with FSR of A, Prepared FSR of A Merged into an insurer with FSR of A, Centauri Specialty FSR of A, Business model enhanced, Centauri National FSR of A, Business model enhanced, Safepoint FSR of A, Business model enhanced, Gulfstream P&C FSR of A, Business model enhanced, Avatar P&C FSR of A, Business model enhanced, Capitol Preferred FSR of A, Business model enhanced, Security First FSR of A, Business model enhanced, Tower Hill Signature FSR of A, Business model enhanced, Cypress P&C FSR of A, Business model enhanced.
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