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2004 Calendar Year

The information below contains complaint ratios for companies that wrote $1,000,000 or more in premiums for the calendar year. Complaint ratios for companies that wrote less than $1,000,000 in premiums for the calendar year are not displayed. Complaint ratios which are based on less than $1,000,000 in premium are highly variable and may not be adequate measures of a company's performance.
 
The information below contains complaint ratios for companies that wrote $1,000,000 or more in premiums for the calendar year. Complaint ratios for companies that wrote less than $1,000,000 in premiums for the calendar year are not displayed. Complaint ratios which are based on less than $1,000,000 in premium are highly variable and may not be adequate measures of a company's performance.

Coverage Type: Accident and Health
Complaint Ratio per $1 Million of Direct Premiums
Written in Michigan
Companies With at least $1 Million in Premiums



Company


Complaints

2004 Written
Premiums
2004
Complaint
Ratio
ACE AMERICAN INSURANCE COMPANY 2 $2,684,128 .75
AETNA INSURANCE COMPANY OF CONNECTICUT 1 $0 N/A
AETNA LIFE INSURANCE COMPANY 48 $85,082,931 .56
ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY 1 $0 N/A
AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA 1 $9,649,002 .10
AMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA 2 $1,013,965 1.97
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 27 $137,725,213 .20
AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS 14 $119,852,170 .12
AMERICAN FIDELITY ASSURANCE COMPANY 2 $8,530,047 .23
AMERICAN GENERAL LIFE INSURANCE COMPANY 1 $671,550 N/A
AMERICAN HEALTH AND LIFE INSURANCE COMPANY 1 $1,557,905 .64
AMERICAN INTERNATIONAL INSURANCE COMPANY 1 $0 N/A
AMERICAN MEDICAL SECURITY LIFE INSURANCE COMPANY 22 $88,848,954 .25
AMERICAN NATIONAL LIFE INSURANCE OF TEXAS 3 $2,415,043 1.24
AMERICAN PHYSICIANS ASSURANCE CORPORATION 3 $10,906,404 .28
AMERICAN UNITED LIFE INSURANCE COMPANY 2 $6,955,605 .29
AMERITAS LIFE INSURANCE CORP 2 $4,046,516 .49
ASSURITY LIFE INSURANCE COMPANY 11 $26,422,501 .42
AUTO CLUB GROUP INSURANCE COMPANY 2 $0 N/A
AUTO CLUB INSURANCE ASSOCIATION 1 $0 N/A
AXA EQUITABLE LIFE INSURANCE COMPANY 1 $3,576,125 .28
BALTIMORE LIFE INSURANCE COMPANY, THE 2 $1,119,775 1.79
BANKERS LIFE AND CASUALTY COMPANY 8 $33,797,447 .24
BANNER LIFE INSURANCE COMPANY 1 $64 N/A
BCS LIFE INSURANCE COMPANY 12 $161,614,391 .07
BLUE CROSS AND BLUE SHIELD OF MICHIGAN 781 $5,497,184,314 .14
BOSTON MUTUAL LIFE INSURANCE COMPANY 1 $1,552,690 .64
BRISTOL WEST INSURANCE COMPANY 1 $0 N/A
BROKERS NATIONAL LIFE ASSURANCE COMPANY 1 $2,430,842 .41
CANADA LIFE ASSURANCE COMPANY, THE 1 $10,155,026 .10
CELTIC INSURANCE COMPANY 5 $4,438,961 1.13
CENTRAL BENEFITS NATIONAL LIFE INSURANCE COMPANY 1 $1,045,216 .96
CENTRAL STATES HEALTH & LIFE CO. OF OMAHA 2 $1,467,479 1.36
CHESAPEAKE LIFE INSURANCE COMPANY, THE 3 $991,117 N/A
CLARENDON NATIONAL INSURANCE COMPANY 2 $143,238 N/A
COLONIAL LIFE & ACCIDENT INSURANCE COMPANY 5 $15,027,325 .33
COMBINED INSURANCE COMPANY OF AMERICA 1 $21,564,684 .05
COMPANION LIFE INSURANCE COMPANY 1 $7,762,247 .13
CONFEDERATION LIFE INSURANCE COMPANY 1    
CONNECTICUT GENERAL LIFE INSURANCE COMPANY 30 $99,995,263 .30
CONNECTICUT INDEMNITY COMPANY, THE 1 $0 N/A
CONSECO HEALTH INSURANCE COMPANY 9 $20,816,621 .43
CONSECO SENIOR HEALTH INSURANCE COMPANY 10 $7,704,642 1.30
CONTINENTAL ASSURANCE COMPANY, THE 2 $3,509,059 .57
CONTINENTAL CASUALTY COMPANY 25 $35,545,227 .70
CONTINENTAL GENERAL INSURANCE COMPANY 2 $14,850,405 .13
CONTINENTAL LIFE INSURANCE COMPANY OF BRENTWOOD, TENNESSEE 1 $8,949,509 .11
CUNA MUTUAL INSURANCE SOCIETY 3 $21,864,187 .14
DELTA DENTAL PLAN OF MICHIGAN, INC. 25 $344,222,226 .07
ENCOMPASS INSURANCE COMPANY 1 $0 N/A
FARMERS INSURANCE EXCHANGE 2 $0 N/A
FEDERATED MUTUAL INSURANCE COMPANY 2 $13,269,646 .15
FIDELITY SECURITY LIFE INSURANCE COMPANY 5 $8,732,538 .57
FINANCIAL AMERICAN LIFE INSURANCE COMPANY 5 $6,496,020 .77
FIRST AMERICAN TITLE INSURANCE COMPANY 1 $0 N/A
FORTIS BENEFITS INSURANCE COMPANY 5 $46,794,864 .11
FORTIS INSURANCE COMPANY 49 $70,853,607 .69
FRANKENMUTH MUTUAL INSURANCE COMPANY 1 $0 N/A
GE LIFE AND ANNUITY ASSURANCE COMPANY 2 $14,275,756 .14
GENERAL ELECTRIC CAPITAL ASSURANCE COMPANY 2 $37,831,934 .05
GOLDEN RULE INSURANCE COMPANY 25 $40,237,862 .62
GREAT-WEST LIFE & ANNUITY INSURANCE COMPANY 2 $10,108,461 .20
GUARANTEE TRUST LIFE INSURANCE COMPANY 7 $11,534,494 .61
GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, THE 4 $54,799,712 .07
GULF INSURANCE COMPANY 1 $1,895,002 .53
HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY 2 $33,984,909 .06
HOUSEHOLD LIFE INSURANCE COMPANY 1 $3,640,779 .27
HUMANA INSURANCE COMPANY 26 $113,079,049 .23
HUMANADENTAL INSURANCE COMPANY 1 $6,492,001 .15
IBA HEALTH AND LIFE ASSURANCE COMPANY 8 $80,106,652 .10
ILLINOIS MUTUAL LIFE INSURANCE COMPANY 1 $3,594,185 .28
JEFFERSON PILOT FINANCIAL INSURANCE COMPANY 13 $26,530,429 .49
JOHN ALDEN LIFE INSURANCE COMPANY 12 $41,328,200 .29
JOHN HANCOCK LIFE INSURANCE COMPANY 1 $27,612,112 .04
LIBERTY LIFE ASSURANCE COMPANY OF BOSTON 4 $5,622,255 .71
LIBERTY UNION LIFE ASSURANCE COMPANY 3 $23,911,614 .13
LIFE INSURANCE COMPANY OF NORTH AMERICA 5 $20,623,328 .24
LIFE INVESTORS INSURANCE COMPANY OF AMERICA 2 $7,881,859 .25
MADISON NATIONAL LIFE INSURANCE COMPANY, INC. 1 $9,495,305 .11
MEDICO LIFE INSURANCE COMPANY 2 $6,031,353 .33
MEGA LIFE AND HEALTH INSURANCE COMPANY, THE 21 $41,395,570 .51
METROPOLITAN LIFE INSURANCE COMPANY 55 $104,196,593 .53
MID-WEST NATIONAL LIFE INSURANCE COMPANY OF TENNESSEE 3 $2,819,305 1.06
MIDWEST SECURITY LIFE INSURANCE COMPANY 18 $54,420,272 .33
MINNESOTA LIFE INSURANCE COMPANY 2 $9,926,056 .20
MUTUAL OF OMAHA INSURANCE COMPANY 1 $20,281,338 .05
NATIONAL CASUALTY COMPANY 2 $59,305 N/A
NORTH AMERICAN INSURANCE COMPANY 1 $-202,062 N/A
NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY, THE 1 $20,907,680 .05
OXFORD LIFE INSURANCE COMPANY 1 $792,508 N/A
PACIFIC LIFE & ANNUITY COMPANY 2 $40,914,314 .05
PAN-AMERICAN LIFE INSURANCE COMPANY 2 $3,092,263 .65
PENN TREATY NETWORK AMERICA INSURANCE COMPANY 6 $5,500,421 1.09
PENNSYLVANIA LIFE INSURANCE COMPANY 1 $3,727,631 .27
PEOPLES BENEFIT LIFE INSURANCE COMPANY 2 $1,122,301 1.78
PHYSICIANS MUTUAL INSURANCE COMPANY 4 $4,672,301 .86
PRINCIPAL LIFE INSURANCE COMPANY 3 $85,931,649 .03
PROFESSIONAL INSURANCE COMPANY 1 $2,905,830 .34
PROGRESSIVE MICHIGAN INSURANCE COMPANY 1 $0 N/A
PROTECTIVE LIFE INSURANCE COMPANY 1 $6,266,584 .16
PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY 4 $45,898,012 .09
PRUDENTIAL INSURANCE COMPANY OF AMERICA, THE 7 $21,444,930 .33
RELIANCE STANDARD LIFE INSURANCE COMPANY 2 $4,780,300 .42
RELIASTAR LIFE INSURANCE COMPANY 1 $4,889,578 .20
SEARS LIFE INSURANCE COMPANY 1 $2,267,254 .44
SENECA INSURANCE COMPANY, INC. 1 $0 N/A
SHENANDOAH LIFE INSURANCE COMPANY 1 $4,585,391 .22
STANDARD LIFE AND ACCIDENT INSURANCE COMPANY 5 $15,741,487 .32
STANDARD LIFE INSURANCE COMPANY OF INDIANA 1 $0 N/A
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY 1 $34,555,252 .03
STONEBRIDGE LIFE INSURANCE COMPANY 3 $13,087,985 .23
SUN LIFE ASSURANCE COMPANY OF CANADA 2 $23,443,438 .09
TRANSAMERICA LIFE INSURANCE COMPANY 2 $2,994,190 .67
TRAVELERS INSURANCE COMPANY (LIFE DEPARTMENT), THE 2 $1,672,032 1.20
TRUSTMARK INSURANCE COMPANY 3 $8,378,551 .36
UNICARE LIFE & HEALTH INSURANCE COMPANY 17 $10,743,613 1.58
UNION FIDELITY LIFE INSURANCE COMPANY 2 $1,200,652 1.67
UNION SECURITY LIFE INSURANCE COMPANY 1 $2,720,719 .37
UNITED AMERICAN INSURANCE COMPANY 3 $12,760,327 .24
UNITED CONCORDIA INSURANCE COMPANY 1 $2,533,621 .39
UNITED HEALTHCARE INSURANCE COMPANY 37 $125,158,101 .30
UNITED OF OMAHA LIFE INSURANCE COMPANY 1 $6,578,006 .15
UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK, THE 1 $10,161,980 .10
UNITED TEACHER ASSOCIATES INSURANCE COMPANY 2 $4,406,608 .45
UNUM LIFE INSURANCE COMPANY OF AMERICA 9 $95,123,410 .09
US HEALTH AND LIFE INSURANCE COMPANY 22 $54,267,214 .41
WASHINGTON NATIONAL INSURANCE COMPANY 3 $6,082,790 .49
WESTERN RESERVE LIFE ASSURANCE COMPANY OF OHIO 1 $0 N/A
WORLD INSURANCE COMPANY 1 $1,273,116 .79
 

This Information is compiled by the Michigan Office of Financial and Insurance Services for consumer information, trending and analysis purposes. The complaint information is not to be used as endorsement for marketing or advertising purpose.

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Related Content
 •  2007 Calendar Year
 •  2006 Calendar Year
 •  2005 Calendar Year
 •  2003 Calendar Year
 •  2002 Calendar Year
 •  2001 Calendar Year

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