What Verdica's 769 score means for United Power & Media Inc
United Power & Media Inc's composite score of 769 places the entity in Verdica's "strong" band (740–799). This score is built from regulatory data aggregated by the National Association of Insurance Commissioners (NAIC) and reflects three key dimensions: financial stability, complaint handling, and regulatory history.
A score of 769 indicates that United Power & Media Inc performs above the midpoint of acceptable thresholds and demonstrates material strength across the metrics tracked. Readers should understand this score as a snapshot of compliance and operational risk as of the assessment date—it does not speak to customer service quality, claims turnaround times, or product features, which are measured elsewhere or through direct customer feedback.
For a business owner or individual evaluating this provider, a "strong" rating suggests the entity has cleared baseline regulatory hurdles and maintains a track record that does not raise immediate red flags. However, it is not in the top tier (800–850 = excellent), which means there is room for improvement in one or more measured dimensions.
How the sub-scores break down
Financial Strength: 675 (Acceptable range: 670–739)
This sub-score reflects United Power & Media Inc's ability to meet financial obligations and maintain solvency. A score of 675 sits at the floor of the acceptable band, signaling that the entity meets regulatory capital and reserve requirements but does not carry a cushion well above minimum standards. In the insurance industry, financial strength underpins claim-paying ability; regulators monitor balance sheets, reserve adequacy, and liquidity to ensure insurers can honor policyholder obligations even during adverse events. A score in this range means the entity is solvent and licensed to operate, but potential policyholders should not assume exceptional financial depth.
Complaints: 800 (Strong range: 740–799)
This sub-score is based on NAIC complaint ratio data, which normalizes the number of complaints received against the entity's market volume. A score of 800 indicates that United Power & Media Inc's complaint rate is lower than baseline industry averages for its class. This suggests the entity processes complaints with reasonable efficiency and does not exhibit an outlier pattern of unresolved disputes or consumer dissatisfaction as tracked by state regulators.
Regulatory Actions: 850 (Excellent range: 800–850)
This dimension captures the entity's history with state insurance department investigations, consent orders, fines, and license restrictions. A perfect or near-perfect score here reflects an absence of significant regulatory enforcement actions. For United Power & Media Inc, this suggests clean or minimal regulatory friction in Illinois and potentially other jurisdictions.
What regulators in IL track for insurance providers
State insurance regulators, coordinated through NAIC data systems, monitor complaint ratios to measure consumer protection effectiveness. These ratios compare the number of formal complaints filed with state insurance departments against the total number of policies in force or premiums written. High complaint ratios can indicate poor claims handling, unresponsive customer service, unfair underwriting, or deceptive practices.
Financial strength ratings rely on statutory financial statements, risk-based capital models, and stress-testing frameworks. Regulators enforce minimum reserve requirements, capital adequacy standards, and solvency margins to prevent insolvency.
Regulatory actions tracked include licensing suspensions or revocations, consent orders, fines for rate violations, market conduct violations (e.g., unfair claim practices, misrepresentation), and sanctions for failure to comply with insurance codes. Movement on these dimensions affects an entity's trustworthiness profile.
Bottom line
United Power & Media Inc scores in the "strong" range and shows particular strength in regulatory compliance and complaint handling. Its financial strength rating is acceptable but not exceptional, suggesting it meets operational requirements without major depth. Before partnering with or purchasing from this provider, verify that their specific product offerings and coverage terms align with your needs, and consider requesting updated references or direct feedback from current policyholders in your industry.