Policies In-Force grew 19% to 422,000 as of December 31, 2025, compared to 356,000 in 2024. Gross Premiums Written increased 23% to $945 million for the year ended December 31, 2025, from $768 million in 2024. Adjusted Net Income surged 165% to $105 million for the year ended December 31, 2025, up from $40 million in 2024. Total Shareholders' Equity more than doubled, increasing 108% to $337 million as of December 31, 2025, from $162 million in 2024. The Combined Ratio improved significantly to 64% for the year ended December 31, 2025, down 17 percentage points from 81% in 2024. Adjusted Return on Equity (ROE) rose to 42% for the year ended December 31, 2025, a 15 percentage point increase from 27% in 2024. Voluntary policy writings increased 17% year-over-year, and policy retention rates improved from 75.1% in Q4 2024 to 82.7% in Q4 2025.