Performance

Companies define performance in a variety of ways. At FSL, performance is determined by consistently and reliably meeting the needs of our partners, policyholders, and associates, which translates into financial success.

Balance Sheet

The numbers tell the story of a highly capitalized company that's been built over 56 years on solid, conservative values.

Income Statement

With another banner year in the books, FSL continued to demonstrate steady growth in 2025.

Financial Highlights

Growth in Total Premium (direct and assumed) of 5.7% coupled with disciplined expense control allowed FSL to record another solid year.

Category	ONE YEAR	FIVE YEARS
Direct & Assumed Premium	+5.7%	+41.1%
Capital & Surplus	+0.37%	+24.9%
Total Assets	+3.2%	+17.2%

_{Fiscal 2025 Results}

Dollars in Millions
2020	$293
2021	$310
2022	$327
2023	$348
2024	$365
2025	$367

$375

$350

$325

$300

$275

$0

Capital & Surplus

Capital & Surplus measures the assets insurers hold above its legally required reserves in case of larger than expected benefit payments. In 2025, FSL reported C&S of $366.6 million, an increase of $231 million in the past 12 years.

Dollars in Millions
2020	$982
2021	$1,006
2022	$1,032
2023	$1,013
2024	$1,115
2025	$1,151

$1,200

$1,150

$1,100

$1,050

$1000

$950

$900

$850

Assets

Determining an insurer’s Capital & Surplus begins with calculating its total assets. At the end of 2025, FSL’s balance sheet reported Total Admitted Assets of $1.151 billion, an increase of nearly an increase of over 3% from the previous year. In the past decade, FSL’s assets have grown nearly 29%.

Dollars in Millions
2020	$1,205
2021	$1,331
2022	$1,429
2023	$1,566
2024	$1,608
2025	$1,700

$1,700

$1,600

$1,500

$1,400

$1,300

$1,200

$1,100

$1000

Direct & Assumed Premium

Direct & Assured Premium is another area FSL has experienced steady, consistent, annual growth for the past 20 years. In 2025, the company reported $1.7 billion in direct and assumed premium, up 5.7% from the previous year. FSL has doubled this measure in the last ten years and nearly tripled in 14 years.

Annual Report

For more insight into Fidelity's 2025 achievements, request our Annual Report.

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