|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.|
(TOTAL of Categories 1-3)
Complaints found to require corrective action, leading to insurer compromise, or other remedy for the complainant.
Complaints found to be without Merit.
Complaints with Other Outcomes
|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
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|
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