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
2020	98	30	54	14	16
2019	113	32	64	17	12
2018	130	18	102	10	7

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	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	1
2020	Disability	CCR	2695.5a	Must respond to the California Department of Insurance within 21 calendar days.	1
2020	Disability	CCR	2695.5b	Must provide complete response to claimant inquiries within 15 calendar days.	1
2020	Disability	CIC	10169i	Must prominently display information concerning the right of the insured to request an independent medical review	1
2020	Disability	CIC	790.03h1	Misrepresenting facts or policy provisions.	1
2020	Disability	CCR	2695.6b	Licensees shall provide thorough and adequate training to claim handlers except attorneys.	1
2020	Disability	CIC	790.03h5	Not attempting to effectuate prompt, fair, & equitable settlement when liability clear.	2
2020	Disability	CIC	880	Failure of insurer to use own name	1
2020	Disability	CIC	790.03h3	Failing to adopt & implement standards for the prompt investigation & processing of claims	3
2020	Disability	CCR	2694a5	Failed to respond or did not provide a complete response	1
2020	Life/Annuity	CCR	2695.7c1	Must notify in writing every 30 calendar days if more time is required to investigate claim.	1
2020	Life/Annuity	CIC	10172.5	Life insurance claims not paid within 30 days of death require interest	1
2020	Life/Annuity	CIC	790.03h3	Failing to adopt & implement standards for the prompt investigation & processing of claims	1
2020	Life/Annuity	CCR	2695.7b	Must accept/deny or provide written delay notice within 40 calendar days of proof of claim.	1
2020	Life/Annuity	CIC	790.03h5	Not attempting to effectuate prompt, fair, & equitable settlement when liability clear.	2
2020	Life/Annuity	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	2
2020	Life/Annuity	CIC	10111.2	Disability Income claims paid in 30 calendar days of receiving requirements or interest due	1
2020	Life/Annuity	CIC	10509.955(b)(1)	When using an illustration in a sale, it is prohibited to represent the policy as anything other than a life insurance policy.	1
2020	Life/Annuity	CIC	10164.2	Payment of cash value within 45 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	Group Life	.00	.859	8.33	9.70
2020	Annuities	.00	1.351	.00	.00
2020	Individual Life	1.26	5.854	4.96	.85

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