Company Complaint Information
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
Violation StudyThe 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|
|2015||Life/Annuity||CIC||1704.5||Failure to appoint an agent upon acceptance of an application & issuance||1|
|2015||Life/Annuity||CIC||10509.958a1||Life insurance illustration delivery requirements must be signed by applicant and agent and a copy must be provided to applicant||4|
|2015||Life/Annuity||CIC||785||Senior Issue - duty of honesty, good faith, & fair dealing||1|
|2015||Life/Annuity||CCR||2695.5a||Must respond to the California Department of Insurance within 21 calendar days.||2|
|2015||Life/Annuity||CCR||2694a3||In contravention of own rules, policies, procedures, guidelines||3|
|2015||Life/Annuity||CCR||2695.7c1||Must notify in writing every 30 calendar days if more time is required to investigate claim.||1|
|2015||Life/Annuity||CIC||10509.8||Unnecessary life insurance replacement||2|
|2015||Life/Annuity||CIC||781||Twisting (misrepresentation of policies)||1|
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.