Company Profile
Company Complaint 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
2020 55 17 21 17 17
2019 79 32 26 21 16
2018 20 10 6 4 6

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
2020 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 4
2020 Disability CIC 10111.2 Disability Income claims paid in 30 calendar days of receiving requirements or interest due 2
2020 Disability CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 3
2020 Disability CIC 790.03h3 Failing to adopt & implement standards for the prompt investigation & processing of claims 5
2020 Disability CIC 880 Failure of insurer to use own name 19
2020 Disability CCR 2695.5e2 Must supply forms, instructions & assistance within 15 calendar days of claim notification. 1
2020 Disability CCR 2695.6b Licensees shall provide thorough and adequate training to claim handlers except attorneys. 1
2020 Disability CIC 790.03h1 Misrepresenting facts or policy provisions. 1
2020 Disability CCR 2695.7b3 Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance. 1
2020 Disability CCR 2695.5b Must provide complete response to claimant inquiries within 15 calendar days. 1
2020 Disability CCR 2695.5a Must respond to the California Department of Insurance within 21 calendar days. 2
2020 Life/Annuity CCR 2694a5 Failed to respond or did not provide a complete response 1

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 JustifiedComplaint Ratio Market Share Complaint Share Index
2020 Individual Life .00 .617 .00 .00

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

Last Revised - December 03, 2007 11:57 AM
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