Customer Complaints and Additional Information

Company Performance

In compliance with California Insurance Code § 12921.1, the California Department of Insurance conducted a Consumer Complaint Study of all admitted insurance carriers. The company performance table provides the complaints determined by the department to require that corrective action be taken against the insurer, or leading to insurer compromise, or other remedy for the complainant, those that are found to be without merit, those with other outcomes, and justified complaints. Justified complaints often require additional review, as violations of California insurance laws may exist.

Year	Closed Complaints (TOTAL of Categories 1-3)	Category 1: Complaints found to require corrective action, leading to insurer compromise, or other remedy for the complainant.	Category 2: Complaints found to be without Merit	Category 3: Complaints with Other Outcomes	Category 4: Justified Complaints
2022	136	53	69	14	27
2021	203	56	127	20	23
2020	115	40	56	19	19

Violation Study

The following table represents number and type of violations found, by reference to the line of insurance and law allegedly violated

Year	Line of Coverage	Law	Section	Summarized Description of Law	# of Alleged Violations
2022	Disability	CIC	880	Failure of insurer to use own name	2
2022	Disability	CIC	10123.13b	For uncontested claims not paid within 30 days interest is due at 10% per year.	2
2022	Disability	CCR	2695.5(b)	Must provide complete response to claimant inquiries within 15 calendar days.	1
2022	Disability	CIC	10123.13a	Claim must be paid, contested, or denied in 30 days to insured and provider. If contested written notice must contain DOI language	5
2022	Disability	CIC	790.03h5	Not attempting to effectuate prompt, fair, & equitable settlement when liability clear.	3
2022	Disability	CCR	2695.5(a)	Must respond to the California Department of Insurance within 21 calendar days.	2
2022	Life/Annuity	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	3
2022	Disability	CIC	790.03h1	Misrepresenting facts or policy provisions.	4
2022	Disability	CCR	2695.7(b)(3)	Must notify claimant that claim denial can be reviewed by the California Department of Insurance.	5
2022	Life/Annuity	CCR	2695.5(e)(2)	Must supply forms, instructions and assistance within 15 calendar days of claim notification.	1
2022	Life/Annuity	CCR	2695.5(a)	Must respond to the California Department of Insurance within 21 calendar days.	1
2022	Life/Annuity	CIC	791.12	Adverse underwriting decision; prohibited grounds	1
2022	Life/Annuity	CIC	10509.958a1	Life insurance illustration delivery requirements must be signed by applicant and agent and a copy must be provided to applicant	1
2022	Disability	CIC	790.03h3	Failing to adopt & implement standards for the prompt investigation & processing of claims	12

If complaint data does not appear for this company, this link will provide you with an explanation.
To view the California Insurance Code (CIC), Click here
To view the California Code of Regulations (CCR), Click here

Comparison Data

The information below is for complaints closed during the study period for this insurance company. The table provides the Justified Complaint Ratio, Market Share, Complaint Share, and Index for this company, grouped by the line of coverage the company was authorized to sell in this study period.

Year	Line of Coverage	Justified Complaint Ratio	Market Share	Complaint Share	Index
2022	Group Life	0	18.919	3.03	.16
2022	Annuities	0	1.999	0	0
2022	Individual Life	2.47	1.657	2.8	1.69

If complaint data does not appear for this company, this link will provide you with an explanation.

Company Profile

Company Profile

Company Complaints

Company Complaints

Additional Information

Additional Information

Company Complaints

Company Complaints

Company Performance

Company Performance

Company Performance Report

Violation Study

Violation Study

Violation Study Report

Comparison Data

Comparison Data

Comparison Data Report