Company Profile
Company Complaint Information

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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
2020 103 27 63 13 13
2019 107 30 60 17 17
2018 145 33 84 28 25

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 790.03h3 Failing to adopt & implement standards for the prompt investigation & processing of claims 1
2020 Disability CCR 2695.7b3 Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance. 2
2020 Disability CIC 880 Failure of insurer to use own name 1
2020 Life/Annuity CIC 10113.6a Delivery of life policy 1
2020 Life/Annuity CIC 10509.4 Duties of agent accepting applications with statement & notice regarding replacement 1
2020 Life/Annuity CCR 2694a5 Failed to respond or did not provide a complete response 3
2020 Life/Annuity CIC 781 Twisting (misrepresentation of policies) 1
2020 Life/Annuity 10113.71(b) Insurer must provide 30 day non-payment lapse notice to policyholder, designee 1
2020 Life/Annuity CCR 2695.3b2 Must record date documents received. 1
2020 Life/Annuity CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 6
2020 Life/Annuity 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 1
2020 Life/Annuity CCR 2695.5e3 Must begin investigation within 15 calendar days of notification of claim. 1
2020 Life/Annuity CIC 790.03h3 Failing to adopt & implement standards for the prompt investigation & processing of claims 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 Group Life .00 .160 .00 .00
2020 Annuities .00 4.360 5.88 1.35
2020 Individual Life 1.73 4.872 5.67 1.16

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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