Company Complaint Information

Company Profile



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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
2023	156	73	60	23	31
2022	136	53	69	14	27
2021	203	56	127	20	23

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
2023	Disability	CIC	790.03h3	Failing to adopt & implement standards for the prompt investigation & processing of claims	13
2023	Disability	CCR	2695.5(a)	Must respond to the California Department of Insurance within 21 calendar days.	6
2023	Disability	CCR	2695.5(b)	Must provide complete response to claimant inquiries within 15 calendar days.	2
2023	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
2023	Disability	CCR	2695.7(b)(3)	Must notify claimant that claim denial can be reviewed by the California Department of Insurance.	2
2023	Disability	CCR	2694a5	Failed to respond or did not provide a complete response	2
2023	Disability	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	1
2023	Disability	CIC	10123.13c	Contested claims become payable in 30 days or interest at 10% per year is due, after receipt of all required information.	1
2023	Disability	CIC	790.03h5	Not attempting to effectuate prompt, fair, & equitable settlement when liability clear.	1
2023	Disability	CCR	2695.11(d)	Life and Disability insurer shall affirm or deny within 30 calendar days from original notification - see CIC Section 10123.13.	1
2023	Disability	CIC	880	Failure of insurer to use own name	1
2023	Life/Annuity	CCR	2695.5(a)	Must respond to the California Department of Insurance within 21 calendar days.	5
2023	Life/Annuity	CCR	2695.7(b)(3)	Must notify claimant that claim denial can be reviewed by the California Department of Insurance.	1
2023	Life/Annuity	CIC	790.03h1	Misrepresenting facts or policy provisions.	1
2023	Life/Annuity	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	8
2023	Life/Annuity	CCR	2694a5	Failed to respond or did not provide a complete response	3
2023	Life/Annuity	CIC	12921.1(e)	Insurers shall be required to submit and received complaint information through established Internet-accessible complaint response system	1

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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
2023	Annuities	.02	.145	1.92	13.24
2023	Individual Life	3.09	1.628	4.13	2.54
2023	Group Life	.01	18.786	19.23	1.02

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