50 Large Individual Life Insurers Licensed to Conduct Business in California - Ratio for Complaint Years 2009, 2010 and 2011

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'11 Rank	Company Name	2011 Approx. Exposure Count	Justified Complaint Ratio			Number of Justified Complaints
			2011	2010	2009	2011	2010	2009
1	GERBER LIFE INS CO	230,623	0.0	0.0	0.0	0	0	0
2	PROTECTIVE LIFE INS CO	148,595	0.0	1.9	1.8	0	3	3
3	MASSACHUSETTS MUT LIFE INS CO	112,619	0.0	0.9	0.0	0	1	0
4	GREAT W LIFE & ANN INS CO	85,727	0.0	0.0	0.0	0	0	0
5	NEW YORK LIFE INS & ANN CORP	78,624	0.0	0.0	2.6	0	0	2
6	MIDLAND NATL LIFE INS CO	63,112	0.0	4.7	4.6	0	3	3
7	COLONIAL LIFE & ACCIDENT INS CO	64,241	0.0	0.0	1.6	0	0	1
8	PRINCIPAL LIFE INS CO	55,234	0.0	0.0	1.7	0	0	1
9	PROVIDENT LIFE & ACCIDENT INS CO	54,328	0.0	4.0	0.0	0	2	0
10	UNION SECURITY INS CO	46,074	0.0	2.0	0.0	0	1	0
11	AMERICAN FIDELITY ASSUR CO	48,159	0.0	0.0	0.0	0	0	0
12	STATE FARM LIFE INS CO	579,797	0.3	0.2	0.2	2	1	1
13	NORTHWESTERN MUT LIFE INS CO	287,600	0.3	1.1	0.0	1	3	0
14	GENWORTH LIFE & ANN INS CO	185,344	0.5	0.5	0.5	1	1	1
15	NEW YORK LIFE INS CO	511,095	0.6	1.0	0.6	3	5	3
16	PRIMERICA LIFE INS CO	302,285	0.7	1.3	0.0	2	4	0
17	PRUDENTIAL INS CO OF AMER	383,880	0.8	0.5	1.2	3	2	5
18	AAA LIFE INS CO	119,931	0.8	0.9	1.0	1	1	1
19	PRUCO LIFE INS CO	118,702	0.8	0.0	0.0	1	0	0
20	USAA LIFE INS CO	107,820	0.9	0.0	0.0	1	0	0
21	WEST COAST LIFE INS CO	106,519	0.9	0.0	1.8	1	0	2
22	FARMERS NEW WORLD LIFE INS CO	412,767	1.0	0.7	0.2	4	3	1
23	JOHN HANCOCK LIFE INS CO (USA)	175,037	1.1	1.6	2.1	2	3	4
24	METROPOLITAN LIFE INS CO	321,064	1.2	2.7	1.1	4	9	4
25	AMERICAN NATL INS CO	189,044	1.6	1.6	0.5	3	3	1
26	RELIASTAR LIFE INS CO	116,763	1.7	2.9	0.0	2	3	0
27	TRANSAMERICA LIFE INS CO	220,321	1.8	1.8	1.8	4	4	4
28	JACKSON NATL LIFE INS CO	54,360	1.8	3.4	1.6	1	2	1
29	AMERICAN GEN LIFE INS CO	320,933	1.9	0.3	0.9	6	1	3
30	AXA EQUITABLE LIFE INS CO	102,324	2.0	4.8	3.7	2	5	4
31	WESTERN RESERVE LIFE ASSUR CO OF OH	147,649	2.0	0.7	2.1	3	1	3
32	UNITED INS CO OF AMER	144,523	2.1	4.7	3.3	3	7	5
33	RIVERSOURCE LIFE INS CO	46,317	2.2	2.1	0.0	1	1	0
34	LINCOLN HERITAGE LIFE INS CO	86,376	2.3	0.0	0.0	2	0	0
35	FIDELITY & GUAR LIFE INS CO	79,345	2.5	7.1	8.6	2	6	8
36	GLOBE LIFE & ACCIDENT INS CO	190,855	2.6	6.4	0.5	5	13	1
37	BANNER LIFE INS CO	74,915	2.7	1.4	0.0	2	1	0
38	AMERICAN GEN LIFE & ACC INS CO	131,509	3.0	1.5	3.1	4	2	4
39	UNITED OF OMAHA LIFE INS CO	131,460	3.0	1.6	0.8	4	2	1
40	IA AMER LIFE INS CO	63,896	3.1	0.0	0.0	2	0	0
41	AMERICAN INCOME LIFE INS CO	158,529	3.2	1.4	0.7	5	2	1
42	LINCOLN NATL LIFE INS CO	106,599	3.8	1.0	3.8	4	1	4
43	REASSURE AMER LIFE INS CO	105,321	3.8	1.8	0.8	4	2	1
44	MONUMENTAL LIFE INS CO	49,993	4.0	3.9	2.0	2	2	1
45	LINCOLN BENEFIT LIFE CO	137,182	4.4	0.7	0.8	6	1	1
46	AVIVA LIFE & ANN CO	64,105	6.2	3.1	6.2	4	2	4
47	ALLSTATE LIFE INS CO	105,245	6.7	6.1	1.6	7	7	2
48	HARTFORD LIFE & ANN INS CO	60,864	8.2	3.3	0.0	5	2	0
49	CONSECO LIFE INS CO	69,579	10.1	16.1	15.2	7	12	12
50	PACIFIC LIFE INS CO	54,839	10.9	0.0	0.0	6	0	0

Note: Complaint Ratio is based on the number of Justified Complaints to 100,000 mean policies in force. 

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