What main aspect does the Department review to determine insurer solvency?

The main aspect that the Department reviews to determine insurer solvency is the likelihood of the company becoming insolvent. This evaluation involves analyzing various financial metrics, including the insurer's assets, liabilities, reserves, and overall financial health. The purpose of this review is to ensure that the insurer has enough financial resources to meet its future obligations to policyholders and can operate efficiently without the risk of bankruptcy.

By focusing on the likelihood of insolvency, regulators can assess the insurer's ability to pay claims and fulfill its contractual obligations. This is a critical function of regulatory oversight, as protecting consumers and maintaining trust in the insurance market are paramount. Other aspects, such as profit margins, marketing strategies, and customer satisfaction, may provide additional context about a company's performance, but they do not directly impact the primary concern of solvency in the eyes of the regulatory authority.