Financial Strength Rating, Overseas Policyholder Preference & Solvency Ratio
PD Insurance is a product of Pacific International Insurance Pty Ltd “Pacific”. Pacific is incorporated and holds financial service licences in Australia ABN 83 169 311 193 | AFSL 523921 and New Zealand NZBN 94 290 413 565 00 | FSP 394846. Pacific is regulated by the Australian Prudential Regulation Authority “APRA” and Reserve Bank of New Zealand “RBNZ”.
Solvency Ratio
Under the Solvency Standards, Pacific is required to retain a positive solvency margin. In Pacific’s latest solvency return filed with the APRA and the RBNZ, Pacific’s Solvency Margin as at 31 March 2026 Quarterly return was:
- Actual Solvency Capital: AUD $137,822,012
- Minimum Solvency Capital: AUD $65,604,621
- Solvency Margin: AUD $72,217,390
- Solvency Ratio: 210.08%
Pacific uses Tier 1 Capital.
Financial Strength Rating
Pacific has a financial strength rating of B++ (Good) issued by A.M. Best. The rating is reviewed annually by A.M. Best, with the rating scale outlined below.
Scale Rating - FSR
Secure
| A++ & A+ | Superior |
| A & A- | Excellent |
| B++ & B+ | Good |
Vulnerable
| B & B- | Fair |
| C++ & C+ | Marginal |
| C & C- | Weak |
| D | Poor |
| E | Under Regulatory Supervision |
| F | In Liquidation |
| S | Suspended |