|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||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
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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