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CA Department of Insurance
CA Department of Insurance
CA Department of Insurance

Life Complaint Composite Report

50 Large Individual Life Insurers Licensed to Conduct Business in California

Ratio for Complaint Years 2023, 2022, and 2021

This Individual Life Composite report is also available in a one page PDF format.

2023 Rank

Company Name

2023
Mean
Policies
In-Force

Justified Complaint Ratio

Number of Justified Complaints

2023

2022

2021

2023

2022

2021
1 STATE FARM LIFE INSURANCE COMPANY 651,304 0.0 0.3 0.2 0 2 1
2 NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY (THE) 364,516 0.0 0.3 0.9 0 1 3
3 LIFE INSURANCE COMPANY OF THE SOUTHWEST 250,962 0.0 1.3 1.9 0 3 4
4 UNITED OF OMAHA LIFE INSURANCE COMPANY 209,679 0.0 1.5 2.1 0 3 4
5 BANNER LIFE INSURANCE COMPANY 122,589 0.0 1.7 0.0 0 2 0
6 TEXAS LIFE INSURANCE COMPANY 103,046 0.0 0.0 0.0 0 0 0
7 NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY 92,167 0.0 4.7 3.8 0 4 3
8 BRIGHTHOUSE LIFE INSURANCE COMPANY 79,330 0.0 1.2 3.4 0 1 3
9 NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION 72,293 0.0 1.4 1.4 0 1 1
10 COLONIAL LIFE & ACCIDENT INSURANCE COMPANY 69,191 0.0 1.4 1.4 0 1 1
11 MIDLAND NATIONAL LIFE INSURANCE COMPANY 63,383 0.0 0.0 1.6 0 0 1
12 PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY 58,570 0.0 0.0 0.0 0 0 0
13 IA AMERICAN LIFE INSURANCE COMPANY 61,510 0.0 0.0 1.7 0 0 1
14 NORTH AMERICAN COMPANY FOR LIFE AND HEALTH INSURANCE 52,384 0.0 1.9 2.0 0 1 1
15 AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS 49,944 0.0 0.0 0.0 0 0 0
16 EVERLAKE LIFE INSURANCE COMPANY 47,500 0.0 0.0 0.0 0 0 0
17 PRINCIPAL NATIONAL LIFE INSURANCE COMPANY 45,183 0.0 0.0 0.0 0 0 0
18 WEST COAST LIFE INSURANCE COMPANY 42,916 0.0 2.0 0.0 0 1 0
19 EVERLAKE ASSURANCE COMPANY 40,998 0.0 0.0 0.0 0 0 0
20 PRIMERICA LIFE INSURANCE COMPANY 443,290 0.2 0.2 0.2 1 1 1
21 NEW YORK LIFE INSURANCE COMPANY 614,767 0.3 0.0 0.2 2 0 1
22 GERBER LIFE INSURANCE COMPANY 247,744 0.4 0.4 0.0 1 1 0
23 PRUCO LIFE INSURANCE COMPANY 162,516 0.6 1.2 0.0 1 2 0
24 UNITED INSURANCE COMPANY OF AMERICA 162,478 0.6 0.8 2.5 1 1 3
25 PROTECTIVE LIFE INSURANCE COMPANY 142,740 0.7 0.0 0.7 1 0 1
26 FARMERS NEW WORLD LIFE INSURANCE COMPANY 388,087 0.8 0.0 1.8 3 0 7
27 USAA LIFE INSURANCE COMPANY 111,907 0.9 0.9 0.0 1 1 0
28 AMERICAN FIDELITY ASSURANCE COMPANY 105,626 0.9 1.0 1.1 1 1 1
29 LINCOLN HERITAGE LIFE INSURANCE COMPANY 211,020 0.9 0.0 1.0 2 0 2
30 AMERICAN NATIONAL INSURANCE COMPANY 202,896 1.0 1.7 1.2 2 3 2
31 AMERICAN GENERAL LIFE INSURANCE COMPANY 464,660 1.1 1.1 1.7 5 5 8
32 LINCOLN BENEFIT LIFE COMPANY 93,164 1.1 1.0 1.9 1 1 2
33 PACIFIC LIFE INSURANCE COMPANY 84,287 1.2 5.1 1.3 1 4 1
34 LINCOLN NATIONAL LIFE INSURANCE COMPANY (THE) 165,698 1.2 2.4 1.2 2 4 2
35 AMERICAN INCOME LIFE INSURANCE COMPANY 325,054 1.2 1.6 1.0 4 5 3
36 CMFG LIFE INSURANCE COMPANY 70,835 1.4 0.0 0.0 1 0 0
37 PRUDENTIAL INSURANCE COMPANY OF AMERICA (THE) 184,249 1.6 2.1 2.4 3 4 5
38 AAA LIFE INSURANCE COMPANY 263,012 1.9 0.4 0.0 5 1 0
39 GLOBE LIFE AND ACCIDENT INSURANCE COMPANY 279,320 2.1 0.7 0.8 6 2 2
40 TRANSAMERICA LIFE INSURANCE COMPANY 577,664 2.4 2.1 1.2 14 12 7
41 GENWORTH LIFE AND ANNUITY INSURANCE COMPANY 80,424 2.5 0.0 0.0 2 0 0
42 MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY 159,115 1.3 0.6 0.0 2 1 0
43 GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (THE) 38,076 2.6 0.0 0.0 1 0 0
44 METROPOLITAN LIFE INSURANCE COMPANY 161,625 3.1 1.9 2.9 5 3 5
45 FIDELITY & GUARANTY LIFE INSURANCE COMPANY 83,826 3.6 2.6 0.0 3 2 0
46 JACKSON NATIONAL LIFE INSURANCE COMPANY 49,543 4.0 3.6 8.1 2 2 5
47 JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) 110,157 4.5 1.7 3.4 5 2 4
48 BANKERS LIFE AND CASUALTY COMPANY 43,990 4.5 4.5 2.3 2 2 1
49 EQUITABLE FINANCIAL LIFE INSURANCE COMPANY 59,823 5.0 0.0 3.0 3 0 2
50 RELIASTAR LIFE INSURANCE COMPANY 78,187 6.4 1.2 0.0 5 1 0

 

Note: Complaint Ratio is based on the number of Justified Complaints to 100,000 Mean Policies In-Force.
Please check the company's profile on our CDI web site for any mergers, etc.

Other Composite Reports: 

If the company does not appear on the composite report, please do the following:

  1. Go to Company Profile.
  2. Type in the company's name in the field provided and select "Get Company".
  3. Select the company that you want information on. This will take you to the company's profile.
  4. On the left hand column under "Consumer Complaint," please select "Company Performance & Comparison Data".
  5. The next web page will display the company's performance and comparison data.

If you have any questions regarding this web page or composite report, please contact the Department's Data Analytics and Reporting.

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