Atlantic American

Property and casualty exposure includes commercial auto, a segment A.M. Best continues to view cautiously; severity and litigation trends reduce visibility. Medigap is more predictable but can face adverse trend shocks and rate‑approval lags.

Consolidated results swung from 2024 loss to positive 2025 YTD earnings; TTM free cash flow is elevated due to reserve and premium balance movements rather than enduring margin expansion. Predictability is therefore below average.