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So which North Carolina health insurance companies lead the league in health insurance complaints? Which companies have the highest premium to complaints ratios?

Golden Rule (undewritten by United Health Care) and Time health insurance (also called Assurant fyi) have staggeringly high complaints ratios.  But the real loser is American Health and Life which most likely is a discount plan gone mad.

North Carolina Health Insurance Complaints

2008 Complaint Ratio per $1 Million of Direct Premiums

Accident and Health Companies Showing 0 or More Complaints
Having Premium Dollars of at Least $1 For Coverage Type:
Accident & Health – Individual
Company Complaints Premium$ Ratio
AAA Life Insurance Company 0 960,335 0.00
Acacia Life Insurance Company 0 1,947 0.00
Aetna Life Insurance Company 4 4,426,678 0.90
AIG Life Insurance Company 0 647,846 0.00
Allianz Life Insurance Company of North America 0 8,814,329 0.00
Allstate Life Insurance Company 0 1,059,893 0.00
Allstate Life Insurance Company of New York 0 14,928 0.00
American Bankers Life Assurance Company of Florida 0 117,971 0.00
American Community Mutual Insurance Company 0 14,642 0.00
American Family Life Assurance Company of Columbus 34 157,638,125 0.22
American Fidelity Assurance Company 0 1,324,701 0.00
American General Life and Accident Insurance Company 5 5,727,530 0.87
American General Life Insurance Company 2 692,976 2.89
American Health and Life Insurance Company 1 104 9,615.38
American Heritage Life Insurance Company 4 15,477,686 0.26
American Income Life Insurance Company 0 1,193,687 0.00
American International Life Assurance Co. of New York 0 6,462 0.00
American Memorial Life Insurance Company 0 5 0.00
American National Insurance Company 0 464,132 0.00
American National Life Insurance Company of Texas 0 1,111,341 0.00
American Network Insurance Company 0 28,068 0.00
American Pioneer Life Insurance Company 5 4,237,586 1.18
American Public Life Insurance Company 0 177,475 0.00
American Republic Corp Insurance Company 0 227 0.00
American Republic Insurance Company 5 12,003,834 0.42
American United Life Insurance Company 0 54,412 0.00
Assurity Life Insurance Company 3 4,576,401 0.66
Auto Club Life Insurance Company 0 1,575 0.00
Auto-Owners Life Insurance Company 0 510,877 0.00
Aviva Life and Annuity Company 0 68,162 0.00
Aviva Life and Annuity Company of New York 0 1,826 0.00
AXA Equitable Life Insurance Company 1 1,388,481 0.72
Baltimore Life Insurance Company 0 324 0.00
Bankers Fidelity Life Insurance Company 0 941,478 0.00
Bankers Life & Casualty Company 46 60,377,827 0.76
Banner Life Insurance Company 0 200 0.00
Berkshire Life Insurance Company of America 2 5,217,683 0.38
Blue Cross & Blue Shield of North Carolina* 708 3,622,892,422 0.20
Boston Mutual Life Insurance Company 0 20,546 0.00
Canada Life Assurance Company 0 65,662 0.00
Celtic Insurance Company 16 8,858,550 1.81
Central Reserve Life Insurance Company 3 4,028,045 0.74
Central Security Life Insurance Company 0 1,476 0.00
Central States Health & Life Company of Omaha 0 1,035,740 0.00
Central United Life Insurance Company 39 1,350,450 28.88
Centre Life Insurance Company 0 587,111 0.00
Chesapeake Life Insurance Company 0 19,763 0.00
Cincinnati Life Insurance Company 0 329,996 0.00
Citizens Security Life Insurance Company 0 21,820 0.00
Colonial Life & Accident Insurance Company 28 92,865,674 0.30
Colonial Penn Life Insurance Company 0 480,717 0.00
Colorado Bankers Life Insurance Company 0 7,147 0.00
Columbian Mutual Life Insurance Company 0 1,630 0.00
Columbus Life Insurance Company 0 4,220 0.00
Combined Insurance Company of America 14 31,731,101 0.44
Commercial Travelers Mutual Insurance Company 0 8,631 0.00
Commonwealth Annuity and Life Insurance Company 0 385,169 0.00
Companion Life Insurance Company 0 379,985 0.00
Connecticut General Life Insurance Company 0 56,311 0.00
Conseco Health Insurance Company 7 10,960,251 0.64
Conseco Insurance Company 0 7,263,540 0.00
Conseco Life Insurance Company 2 889,372 2.25
Constitution Life Insurance Company 0 294,625 0.00
Continental American Insurance Company 0 2,808 0.00
Continental Assurance Company 0 4,980 0.00
Continental General Insurance Company 0 2,754,539 0.00
Continental Life Insurance Company of Brentwood, Tennessee 4 6,086,118 0.66
COUNTRY Life Insurance Company 0 74,993 0.00
Crown Life Insurance Company 0 83,431 0.00
CUNA Mutual Insurance Society 1 1,190,619 0.84
EMC National Life Company 3 1,401,964 2.14
Equitable Life & Casualty Insurance Company 0 86,174 0.00
Erie Family Life Insurance Company 0 32,675 0.00
Family Heritage Life Insurance Company of America 3 5,795,812 0.52
Farmers New World Life Insurance Company 0 1,301 0.00
Federal Life Insurance Company (Mutual) 0 1,439 0.00
Federated Life Insurance Company 0 1,046,470 0.00
Fidelity Life Association, A Legal Reserve Life Insurance Company 0 1,290 0.00
Fidelity Security Life Insurance Company 0 11,846 0.00
First Allmerica Financial Life Insurance Company 0 10,774 0.00
First Investors Life Insurance Company 0 138 0.00
Fort Dearborn Life Insurance Company 0 103,949 0.00
Freedom Life Insurance Company of America 2 1,211,689 1.65
General American Life Insurance Company 0 353,874 0.00
Genworth Life and Annuity Insurance Company 5 919,561 5.44
Genworth Life Insurance Company 49 60,382,103 0.81
Gerber Life Insurance Company 0 363,652 0.00
Globe Life and Accident Insurance Company 3 1,406,457 2.13
Golden Rule Insurance Company 8 795,360 10.06
Golden State Mutual Life Insurance Company 0 116,513 0.00
Great American Life Insurance Company 1 5,640,204 0.18
Great-West Life Assurance Company 0 70,941 0.00
Guarantee Trust Life Insurance Company 6 4,027,209 1.49
Guaranty Income Life Insurance Company 0 48,476 0.00
Guardian Life Insurance Company of America 1 3,848,880 0.26
Harleysville Life Insurance Company 0 6,705 0.00
Hartford Life & Accident Insurance Company 0 40,173 0.00
Hartford Life and Annuity Insurance Company 0 47,162 0.00
Hartford Life Insurance Company 1 29,790 33.57
HCC Life Insurance Company 0 234,921 0.00
Health Net Life Insurance Company 0 8,296 0.00
Horace Mann Life Insurance Company 0 7,290 0.00
Humana Insurance Company 11 6,649,855 1.65
HumanaDental Insurance Company 0 317,148 0.00
IA American Life Insurance Company 0 282,741 0.00
IdeaLife Insurance Company 0 210,531 0.00
Illinois Mutual Life Insurance Company 0 1,596,598 0.00
ING Life Insurance and Annuity Company 0 4,414 0.00
ING USA Annuity and Life Insurance Company 0 13,887 0.00
Investors Consolidated Insurance Company 1 835,551 1.20
Investors Heritage Life Insurance Company 0 6,063 0.00
Investors Life Insurance Company of North America 0 1,051 0.00
Jackson National Life Insurance Company 2 1,993,021 1.00
Jefferson National Life Insurance Company 0 12,190 0.00
John Alden Life Insurance Company 0 890,974 0.00
John Hancock Life Insurance Company 13 36,324,555 0.36
John Hancock Life Insurance Company (U.S.A.) 0 980 0.00
Kanawha Insurance Company 1 13,442,315 0.07
Kansas City Life Insurance Company 0 9,364 0.00
Kemper Investors Life Insurance Company 0 71 0.00
Lafayette Life Insurance Company 0 9,313 0.00
Liberty Life Assurance Company of Boston 0 569 0.00
Liberty Life Insurance Company 4 3,223,568 1.24
Liberty National Life Insurance Company 0 569,568 0.00
Life Insurance Company of Alabama 0 1,314,169 0.00
Life Insurance Company of North America 0 46,100 0.00
Life Insurance Company of the Southwest 0 184 0.00
LifeSecure Insurance Company 0 8,154 0.00
Lincoln Benefit Life Company 0 1,649,851 0.00
Lincoln Heritage Life Insurance Company 0 1,312,785 0.00
Lincoln Life & Annuity Company of New York 0 7,830 0.00
Lincoln National Life Insurance Company 8 1,835,761 4.36
Loyal American Life Insurance Company 2 1,279,369 1.56
Madison National Life Insurance Company, Inc. 0 219 0.00
Massachusetts Mutual Life Insurance Company 0 25,289,365 0.00
MedAmerica Insurance Company 0 4,783,141 0.00
Medico Life Insurance Company 1 2,964,293 0.34
Mega Life and Health Insurance Company 0 114,996 0.00
MetLife Insurance Company of Connecticut 1 7,528,733 0.13
Metropolitan Life Insurance Company 3 19,605,446 0.15
Midland National Life Insurance Company 0 475 0.00
Mid-West National Life Insurance Company of Tennessee 0 99,357 0.00
Midwestern United Life Insurance Company 0 749 0.00
Minnesota Life Insurance Company 1 1,813,147 0.55
Monarch Life Insurance Company In Rehabilitation 0 929,327 0.00
Monumental Life Insurance Company 4 6,779,400 0.59
MONY Life Insurance Company 0 1,128,175 0.00
MTL Insurance Company 0 6,727 0.00
Mutual of Omaha Insurance Company 5 48,949,307 0.10
National Benefit Life Insurance Company 0 1,572 0.00
National Foundation Life Insurance Company 1 1,267,409 0.79
National Guardian Life Insurance Company 0 13,314 0.00
National Health Insurance Company 2 2,754,964 0.73
National Life Insurance Company 0 928,009 0.00
National States Insurance Company 0 396,181 0.00
National Teachers Associates Life Insurance Company 2 5,799,210 0.34
Nationwide Life Insurance Company 0 2,770,107 0.00
Nationwide Life Insurance Company of America 0 338 0.00
New England Life Insurance Company 0 228,379 0.00
New Era Life Insurance Company 0 69,710 0.00
New York Life Insurance Company 0 5,247,816 0.00
North American Company for Life and Health Insurance 0 440 0.00
North Carolina Mutual Life Insurance Company 0 140,250 0.00
Northwestern Long Term Care Insurance Company 0 7,036,046 0.00
Northwestern Mutual Life Insurance Company 2 26,514,325 0.08
Occidental Life Insurance Company of North Carolina 0 1,108 0.00
Ohio National Life Assurance Corporation 0 498,555 0.00
Ohio National Life Insurance Company 0 320,592 0.00
Ohio State Life Insurance Company 0 581 0.00
Old American Insurance Company 0 26,255 0.00
Oxford Life Insurance Company 0 3,374,234 0.00
PacifiCare Life and Health Insurance Company 0 458,195 0.00
Pan-American Life Insurance Company 0 494,606 0.00
Paul Revere Life Insurance Company 3 8,248,581 0.36
Penn Mutual Life Insurance Company 0 278,962 0.00
Penn Treaty Network America Insurance Company 2 6,845,643 0.29
Pennsylvania Life Insurance Company 3 2,107,925 1.42
Philadelphia American Life Insurance Company 3 4,807,339 0.62
Phoenix Life Insurance Company 0 63,650 0.00
Physicians Life Insurance Company 0 1,088,479 0.00
Physicians Mutual Insurance Company 5 8,835,217 0.57
Presidential Life Insurance Company 0 65 0.00
Primerica Life Insurance Company 0 4,367 0.00
Principal Life Insurance Company 0 8,977,430 0.00
Professional Insurance Company 5 7,870,016 0.64
Protective Life Insurance Company 0 740,555 0.00
Provident American Life & Health Insurance Company 0 18,869 0.00
Provident Life & Accident Insurance Company 1 23,569,194 0.04
Provident Life & Casualty Insurance Company 0 343,693 0.00
Prudential Insurance Company of America 1 2,997,564 0.33
Pyramid Life Insurance Company 1 4,049,886 0.25
Reassure America Life Insurance Company 4 1,843,026 2.17
Reliable Life Insurance Company 0 138 0.00
Reliance Standard Life Insurance Company 0 15,841 0.00
ReliaStar Life Insurance Company 0 16,126 0.00
ReliaStar Life Insurance Company of New York 0 359,714 0.00
Reserve National Insurance Company 2 5,635,919 0.35
RiverSource Life Insurance Company 9 9,549,305 0.94
Sagicor Life Insurance Company 0 1,145 0.00
SBLI USA Mutual Life Insurance Company, Inc. 0 395 0.00
Sears Life Insurance Company 0 765,341 0.00
Security Life Insurance Company of America 0 3,795 0.00
Security Life of Denver Insurance Company 0 383,505 0.00
Security Mutual Life Insurance Company of New York 0 14,933 0.00
Senior Health Insurance Company of Pennsylvania 29 9,577,283 3.03
Settlers Life Insurance Company 0 74,701 0.00
Shenandoah Life Insurance Company 0 3,077,143 0.00
Southern Farm Bureau Life Insurance Company 1 6,797,943 0.15
Standard Insurance Company 1 2,324,456 0.43
Standard Life & Accident Insurance Company 1 4,969,714 0.20
Standard Life and Casualty Insurance Company 0 6,987 0.00
Standard Life Insurance Company of Indiana 0 713 0.00
Starmount Life Insurance Company 0 165 0.00
State Life Insurance Company 0 654,960 0.00
State Mutual Insurance Company 0 268,924 0.00
Stonebridge Life Insurance Company 1 1,023,785 0.98
SunAmerica Life Insurance Company 0 453 0.00
Surety Life Insurance Company 0 760 0.00
Symetra Life Insurance Company 0 7,116 0.00
Teachers Insurance & Annuity Association of America 1 169,910 5.89
TIAA-CREF Life Insurance Company 1 114,184 8.76
Time Insurance Company 23 2,075,119 11.08
Transamerica Financial Life Insurance Company 1 31,096 32.16
Transamerica Life Insurance Company 2 14,452,755 0.14
Triangle Life Insurance Company 0 19,315 0.00
Trustmark Insurance Company 0 1,008,174 0.00
UniCARE Life & Health Insurance Company 4 1,625 2,461.54
Unified Life Insurance Company 0 299,576 0.00
Union Bankers Insurance Company 1 1,585,905 0.63
Union Central Life Insurance Company 0 5,163,662 0.00
Union Fidelity Life Insurance Company 0 202,247 0.00
Union Labor Life Insurance Company 0 110,485 0.00
Union Security Insurance Company 0 1,558,779 0.00
United American Insurance Company 28 27,586,731 1.01
United Fidelity Life Insurance Company 0 438,679 0.00
United Insurance Company of America 4 1,553,927 2.57
United of Omaha Life Insurance Company 0 248,739 0.00
United States Life Insurance Company in the City of New York 0 7,059 0.00
United Teacher Associates Insurance Company 1 9,686,303 0.10
United World Life Insurance Company 2 21,259,314 0.09
Unity Mutual Life Insurance Company 0 2,619 0.00
Universal Guaranty Life Insurance Company 0 25 0.00
UNUM Life Insurance Company of America 5 13,970,431 0.36
USAA Life Insurance Company 0 2,426,639 0.00
USAble Life 0 444,498 0.00
Washington National Insurance Company 3 3,228,630 0.93
West Coast Life Insurance Company 0 145 0.00
Western and Southern Life Insurance Company 8 7,615,114 1.05
Westward Life Insurance Company 0 1,963 0.00
Wilton Reassurance Life Company of New York 0 849 0.00
World Corp Insurance Company 1 418,577 2.39
World Insurance Company 6 3,160,488 1.90
1,243 4,671,321,150 0.27
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