Company Complaint Information



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
2014 27 11 14 2   11
2013 34 14 16 4   14
2012 26 11 15 0   12

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
2014 Life/Annuity CIC 10509.958b If no illustration is used in the sale of a life policy, the producer shall certify to that effect in writing on form provided 1
2014 Life/Annuity CCR 2694a5 Failed to respond or did not provide a complete response 3
2014 Life/Annuity CIC 780b Misrepresentation of policy benefits or privileges 1
2014 Life/Annuity CIC 10127.9 Free look provision, non seniors 1
2014 Life/Annuity CIC 10509.8 Unnecessary life insurance replacement 1
2014 Life/Annuity CIC 791.13 Disclosure of personal or privileged information 1
2014 Life/Annuity CCR 2695.5a Must respond to the California Department of Insurance within 21 calendar days. 1
2014 Life/Annuity CIC 785.5 Producer cannot have financial incentive to refer senior to government veterans programs 1
2014 Life/Annuity CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 5
2014 Life/Annuity CIC 790.02 Engaging in trade practice defined as unfair method of competition prohibited 2
2014 Life/Annuity CIC 785 Senior Issue - duty of honesty, good faith, & fair dealing 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.

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