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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.

Coverage Type: Life
Complain 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
AAA LIFE INSURANCE COMPANY 4 $17,409,234 .23
AETNA LIFE INSURANCE COMPANY 4 $75,252,713 .05
AIG LIFE INSURANCE COMPANY 3 $8,213,861 .37
AIG SUNAMERICA LIFE ASSURANCE COMPANY 1 $2,160,842 .46
AMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA 2 $1,948,312 1.03
AMERICAN GENERAL ASSURANCE COMPANY 1 $11,233,066 .09
AMERICAN GENERAL LIFE AND ACCIDENT INSURANCE COMPANY 8 $14,998,075 .53
AMERICAN GENERAL LIFE INSURANCE COMPANY 11 $47,251,713 .23
AMERICAN INCOME LIFE INSURANCE COMPANY 1 $15,467,397 .06
AMERICAN NATIONAL INSURANCE COMPANY 2 $5,066,825 .39
AMERICAN SPECIALTY HEALTH INSURANCE COMPANY 1 $-100,686 N/A
AMERICAN STATES LIFE INSURANCE COMPANY 1 $2,589,316 .39
AMERICAN UNITED LIFE INSURANCE COMPANY 3 $20,321,280 .15
ATLANTA LIFE INSURANCE COMPANY 1 $322,324 N/A
AURORA NATIONAL LIFE ASSURANCE COMPANY 1 $172,558 N/A
AUTO CLUB LIFE INSURANCE COMPANY 6 $10,974,333 .55
AUTO-OWNERS LIFE INSURANCE COMPANY 1 $16,364,019 .06
AXA EQUITABLE LIFE INSURANCE COMPANY 4 $80,785,926 .05
BALTIMORE LIFE INSURANCE COMPANY, THE 2 $1,702,809 1.17
BANKERS LIFE AND CASUALTY COMPANY 3 $8,715,810 .34
CANADA LIFE ASSURANCE COMPANY, THE 1 $7,127,587 .14
CHASE INSURANCE LIFE AND ANNUITY COMPANY 2 $15,201,105 .13
CHASE INSURANCE LIFE COMPANY 2 $6,159,233 .32
CHASE LIFE & ANNUITY COMPANY 1 $145,879 N/A
CHESAPEAKE LIFE INSURANCE COMPANY, THE 1 $536,757 N/A
COLONIAL LIFE & ACCIDENT INSURANCE COMPANY 2 $4,376,562 .46
COLONIAL PENN LIFE INSURANCE COMPANY 2 $6,307,289 .32
COMBINED INSURANCE COMPANY OF AMERICA 1 $3,246,092 .31
CONNECTICUT GENERAL LIFE INSURANCE COMPANY 2 $38,791,675 .05
CONSECO LIFE INSURANCE COMPANY 2 $6,928,235 .29
CONTINENTAL ASSURANCE COMPANY, THE 2 $2,695,411 .74
CUNA MUTUAL INSURANCE SOCIETY 2 $24,716,197 .08
CUNA MUTUAL LIFE INSURANCE COMPANY 1 $4,796,050 .21
DEGREE OF HONOR PROTECTIVE ASSOCIATION 2 $407,064 N/A
FARM BUREAU LIFE INSURANCE COMPANY OF MICHIGAN 2 $53,427,729 .04
FEDERAL HOME LIFE INSURANCE COMPANY 2 $2,025,103 .99
FINANCIAL AMERICAN LIFE INSURANCE COMPANY 2 $4,762,814 .42
FORTIS BENEFITS INSURANCE COMPANY 2 $35,751,546 .06
GE LIFE AND ANNUITY ASSURANCE COMPANY 6 $13,238,516 .45
GENERAL AMERICAN LIFE INSURANCE COMPANY 2 $25,455,589 .08
GERBER LIFE INSURANCE COMPANY 1 $6,894,433 .15
GLENBROOK LIFE AND ANNUITY COMPANY 1 $24,080,867 .04
GLOBE LIFE AND ACCIDENT INSURANCE COMPANY 5 $13,535,156 .37
GRANGE LIFE INSURANCE COMPANY 1 $556,357 N/A
GREAT AMERICAN LIFE INSURANCE COMPANY 1 $1,015,850 .98
GREAT SOUTHERN LIFE INSURANCE COMPANY 3 $2,454,976 1.22
GREAT-WEST LIFE & ANNUITY INSURANCE COMPANY 1 $17,714,941 .06
GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, THE 2 $28,697,884 .07
HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY 2 $27,484,569 .07
HARTFORD LIFE AND ANNUITY INSURANCE COMPANY 1 $33,983,540 .03
HARTFORD LIFE INSURANCE COMPANY 1 $4,185,329 .24
HOUSEHOLD LIFE INSURANCE COMPANY 1 $3,333,500 .30
IDS LIFE INSURANCE COMPANY 1 $48,462,513 .02
INDIVIDUAL ASSURANCE COMPANY LIFE, HEALTH & ACCIDENT 1 $15,300 N/A
INVESTORS LIFE INSURANCE COMPANY OF NORTH AMERICA 3 $1,273,197 2.36
JACKSON NATIONAL LIFE INSURANCE COMPANY 3 $42,689,504 .07
JEFFERSON PILOT FINANCIAL INSURANCE COMPANY 4 $41,306,667 .10
JEFFERSON-PILOT LIFE INSURANCE COMPANY 3 $23,031,144 .13
JOHN HANCOCK LIFE INSURANCE COMPANY 3 $19,661,669 .15
JOHN HANCOCK VARIABLE LIFE INSURANCE COMPANY 4 $39,487,585 .10
LAFAYETTE LIFE INSURANCE COMPANY, THE 1 $5,050,805 .20
LIBERTY LIFE ASSURANCE COMPANY OF BOSTON 1 $8,489,153 .12
LIFE INVESTORS INSURANCE COMPANY OF AMERICA 1 $9,775,714 .10
LINCOLN BENEFIT LIFE COMPANY 2 $16,917,694 .12
LINCOLN HERITAGE LIFE INSURANCE COMPANY 2 $4,502,558 .44
LOYAL CHRISTIAN BENEFIT ASSOCIATION 1 $226,333 N/A
MANUFACTURERS LIFE INSURANCE COMPANY OF AMERICA, THE 2 $0 N/A
MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY 3 $67,722,951 .04
METROPOLITAN LIFE INSURANCE COMPANY 17 $348,559,092 .05
MIDWESTERN UNITED LIFE INSURANCE COMPANY 1 $495,936 N/A
MINNESOTA LIFE INSURANCE COMPANY 1 $38,493,212 .03
MONUMENTAL LIFE INSURANCE COMPANY 12 $11,389,957 1.05
MONY LIFE INSURANCE COMPANY 2 $5,704,122 .35
MTL INSURANCE COMPANY 1 $6,936,478 .14
MUTUAL OF DETROIT INSURANCE COMPANY 5 $7,833,735 .64
NATIONAL BENEFIT LIFE INSURANCE COMPANY 1 $1,270,874 .79
NATIONAL GUARDIAN LIFE INSURANCE COMPANY 1 $4,932,267 .20
NATIONAL LIFE INSURANCE COMPANY 1 $10,932,799 .09
NATIONAL STATES INSURANCE COMPANY 1 $1,222,498 .82
NATIONWIDE LIFE INSURANCE COMPANY OF AMERICA 1 $1,858,797 .54
NEW YORK LIFE INSURANCE COMPANY 2 $58,149,267 .03
NORTH AMERICAN COMPANY FOR LIFE AND HEALTH INSURANCE 2 $17,773,863 .11
NORTH CAROLINA MUTUAL LIFE INSURANCE COMPANY 2 $1,071,854 1.87
NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY, THE 1 $212,784,368 .00
OHIO NATIONAL LIFE INSURANCE COMPANY, THE 1 $5,222,867 .19
PACIFIC LIFE INSURANCE COMPANY 1 $62,466,809 .02
PENN MUTUAL LIFE INSURANCE COMPANY, THE 1 $12,666,056 .08
PEOPLES BENEFIT LIFE INSURANCE COMPANY 5 $4,199,424 1.19
PHOENIX LIFE INSURANCE COMPANY 1 $26,753,831 .04
PRIMERICA LIFE INSURANCE COMPANY 4 $50,685,208 .08
PROTECTIVE LIFE INSURANCE COMPANY 2 $20,269,690 .10
PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY 1 $11,336,706 .09
PRUDENTIAL INSURANCE COMPANY OF AMERICA, THE 13 $149,865,959 .09
REASSURE AMERICA LIFE INSURANCE COMPANY 10 $15,195,676 .66
RELIASTAR LIFE INSURANCE COMPANY 1 $46,339,681 .02
RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK 1 $982,232 N/A
RESOURCE LIFE INSURANCE COMPANY 2 $2,818,995 .71
SECURITY LIFE OF DENVER INSURANCE COMPANY 2 $45,872,115 .04
STATE FARM LIFE INSURANCE COMPANY 5 $85,642,736 .06
STONEBRIDGE LIFE INSURANCE COMPANY 1 $4,521,797 .22
SUN LIFE ASSURANCE COMPANY OF CANADA 4 $64,317,343 .06
SURETY LIFE INSURANCE COMPANY 1 $621,789 N/A
THRIVENT FINANCIAL FOR LUTHERANS 1 $44,574,792 .02
TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY 2 $46,213,106 .04
TRAVELERS INSURANCE COMPANY (LIFE DEPARTMENT), THE 1 $10,416,197 .10
U.S. FINANCIAL LIFE INSURANCE COMPANY 3 $12,914,658 .23
UNICARE LIFE & HEALTH INSURANCE COMPANY 1 $91,152,141 .01
UNION LABOR LIFE INSURANCE COMPANY, THE 1 $2,086,923 .48
UNION SECURITY LIFE INSURANCE COMPANY 2 $3,417,621 .59
UNITED FAMILY LIFE INSURANCE COMPANY 1 $446,358 N/A
UNITED INSURANCE COMPANY OF AMERICA 7 $9,192,430 .76
UNITED LIFE INSURANCE COMPANY 2 $528,190 N/A
UNITED OF OMAHA LIFE INSURANCE COMPANY 2 $67,791,739 .03
UNIVERSAL UNDERWRITERS LIFE INSURANCE COMPANY 1 $2,418,514 .41
UNUM LIFE INSURANCE COMPANY OF AMERICA 6 $38,921,865 .15
VALLEY FORGE LIFE INSURANCE COMPANY 2 $27,387,653