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FBIC RANKING 100*
Ranking Of Group Insurers Claims Payment Practices *
(Compiled from 3693 insurance companies comprising 655 insurer groups)
    
FBIC rankings of insurance companies are the benchmark proven correct since 1998 and include the following insurance lines:
 Health, Life, Disability, LTC, P&C, Auto, Home, Business, Annuity.
(Notes, research sources and methodology used in FBIC's ranking system follow the ranking table below
)
 

America asks you to join with All Americans' Boycott Movement against these Insurers:
Auto-Home-P&C Insurers:  The Hartford(A,H), Allstate(A,H), State Farm(A,H)
Health-Life-Disability Insurers:
 Cigna(H), Assurant(H), Unum(D), The Hartford(D,L)
Business & Annuity Insurers: The Hartford(B,A), CNA(B)
Reinsurers:
National Indemnity Company (aka NICO), CNA, ACE
to stop these worst ranked insurers' illegal, fraudulent, pervasive and widespread bad faith insurance claims practices against all Americans!
 
      HALL OF SHAME              
CLAIMS DENIED RANKING *
BAD-FAITH PRACTICES *    
  
 Rank #1 = THE WORST
   (#) = Footnote # 
HALL OF FAME   
CLAIMS PAID RANKING *   
GOOD-FAITH PRACTICES *   

Rank #1 = THE BEST  
(#) = Footnote #

Rank

Bad-Faith Insurers *

Rank

Good-Faith Insurers *
1. Allstate (6)          (U.S. BOYCOTT ... WORST, DO NOT BUY) 1. Amica (23)      (OK, BEST TO BUY)
1. State Farm (7)    (U.S. BOYCOTT ... WORST, DO NOT BUY) 1. Chubb (20)     (OK. BEST TO BUY)
1. The Hartford (5) (U.S. BOYCOTT ... WORST, DO NOT BUY) 3. Allianz (19)     (OK, BEST TO BUY)
4. Unum (Disability, LTC, Life) (35) 4. Coventry Health (64)
5. Farmers (9) / Zurich (9a)
5. Kaiser Permanente (69)
6. Lloyds (107) 6. Credit Suisse (27)
7. Metlife (30)
7. Royal & Sun Alliance (36)
8. Liberty Mutual (8)
8. GMAC (37)
9. American Family (31)
9. Swiss Re America (47) 
10. Auto-Owners (aka Owners) (48)
10. Fairfax Financial (39)
11. Berkshire Hathaway (NICO) (16)
11. Electric Mutual (26)
12. CNA (33)
12. Aetna Health (21)
13. Nationwide (11)
13. Cuna Mutual (41)
14. ACE Re (68)
14. Quincy Mutual (43)
15. Unitrin (46) 15. New York Life (78)
16. Mercury General (34)
16. John Hancock (40)
17. Wellpoint Health (28)
17. Humana Health (42)
18. GEICO (16)
18. Iowa Farm Bureau (49)
19. Conseco (38)
19. Idaho Farm Bureau (50)
20. Prudential (32)  
20. St. Paul Companies (15)
21. Progressive (10)
21. United Fire & Casualty (56)
22. Travelers (29) 
22. Erie (45)
23. State Auto (22)
23. Federated Mutual (58)
24. California State Auto (59)
24. Oregon Mutual (60)
25. UnitedHealth (55)
25. Selective (62)
26. Torchmark (105)
26. Horace Mann (103)
27. Blue Cross Blue Shield (104)
27. White Mountains (24)
28. Grange (71)
28. Kentucky Farm Bureau (70)
29. Interins Exchange Auto (87)
29. EMC (72)
30. CIGNA Health (52)
30. Lititz Mutual (74)
31. National Grange Mutual (83)
31. Commerce (76)
32. Harleysville (75)
32. Philadelphia United (80)
33. Sentry (67)
33. Mutual Of Enumclaw (82)
34. Markel (73)
34. Greater New York (84)
35. American Financial (14)
35. Franklin Mutual (86)
36. Bristol West (88)
36. Country Companies (90)
37. Allmerica Financial (79)
37. Michigan Farm Bureau (102)
38. Pennsylvania National (81)
38. Concord (92)
39. Nationwide (11)
39. Amerisure (100)
40. Shelter (61)
40. Alfa (96)
41. Tennessee Farmers (57)
41. Farm Bureau (Indiana) (17)
42. Mutual Benefit (89)
42. United National (101)
43. Ohio Casualty (65)
43. RLI (98)
44. California Casualty (93)
44. Southern Farm Bureau (77)
45. Central Companies (95)
45. AIG (12)
46. Penn America (97)
46. Georgia Farm Bureau (94)
47. Safeco (13)
47. Norfolk & Dedham (53)
48. Health Net (106)
48. USAA (18)
49. Balboa (85)
49. Mass Mutual (66)
50. Ace USA (68)
50. No. Carolina Farm Bureau (44)

* Rankings Are As Of July 2013. No Insurer Is Complaint-free. Ranking List Is Subject To Changes and Updates. All Rights Reserved. Read our Legal Disclaimer and Copyright.

* View FBIC's Ranking System Sources And Methodology:

          (A) To View FBIC's Ranking System Research Sources,  
Click here .
          (B) To View FBIC's Ranking System Methodology,  
Click here .

*  Referenced Footnotes From The Above List Follow:        

*  Notes:  (a) FBIC requests all Americans to buy insurance from good faith insurers and not to buy from bad faith insurers; (b) There are many 'independent' smaller insurance companies locally in each area of the U.S. that are not owned or part of a larger insurer group that carry reinsurance and have very good records in paying claims in good faith mainly because they are much more reputation sensitive in the community and thus would rather pay a claim rather than spend the money on having a lawyer fight to not pay ... Ask your state Department of Insurance about them; (c) Many Insurance Companies, That Are Members Of A Group Or Owned By A Larger Parent Or Holding Company, May Not Have Names That Are Similar Or Reflective Of The Group Insurer That Owns Them.  Accordingly, The Following List Contains Footnotes (Indicated In Parentheses Next To The Insurers' Name) That Reference The Number Footnote At The End Of The List Where The Names Of The Groups' Member Companies Can Be Found;  (d) Insurance Companies And Groups Are Regularly Bought, Sold And Transferred With Little Notice To The Public Or Policyholder; (e) The Financial Status And Credit Ratings Of Insurance Companies Are Upgraded And Downgraded Daily Generally With No Advance Notice To The Public Or Policyholders; (f) The Operating Status Of Insurance Companies May Suddenly Change From That Of Being Active And In Good Standing To That Of Being Declared Inactive, Discontinued (aka Runoff), Insolvent, Bankrupt, Or Under Conservatorship, Rehabilitation, Receivership Or Liquidation; (g) When Buying Or Renewing Insurance, It Is Of Critical Importance For The Policyholder To Know If The Insurer Company 'Willingly' Pays Claims Properly And Promptly (in Good Faith) Or 'Willingly' Delays, Discounts Or Denies Payment Of Legitimate Claims (in Bad Faith) ... FBIC Is The Sole Source And Only Provider Of Such Good Faith-Bad Faith Insurers Rankings With Much Of The Information Used Being Confidential And Proprietary. It Is Important That You Refer To This Website Frequently Or On A Regular Basis To Keep Current And Get The Most Updated Information; (h) When Renewing/Buying Insurance, Besides Knowing The FBIC Good Faith-Bad Faith Ranking Status, It Is Also Important To Find Out The Financial Strength Rating Of Your Insurer To Help Ensure That They Will Still Be In Business When/If You Should Have A Claim. Although Not Available Through FBIC, This Financial Information Is Provided By Other Companies Such As Standard & Poors, A.M. Best, Weiss, Fitch And Moody's; (i) It Is Recommended To Speak With A Few Local 'Independent Insurance Agents' To Hear Which Companies They Recommend But Be Mindful That Their Recommendations Of An Inferior Or Bad Faith Insurer May Be Influenced By Higher Commissions Paid To The Agent By That Insurer. A Secret: If You Know An 'Independent Public Adjuster' In Your Area, You Can Generally Get A Good Objective View About Specific Insurers Good-Faith And Bad-Faith Claims Practices. (j) FBIC will be increasing this 'group' insurers list by 2-3 times as well as breaking out and providing separate good-faith and bad-faith lists for auto, home and health insurers.

(5)   Hartford: The Hartford Has Consistently Received The Hall Of Shame #1 Worst U.S. Bad Faith Insurer With The Worst Complaint And Bad Faith Insurance Non-Payment Of Claims Record By Far!*. The Hartford Has The #1 Worst Record Of Claim Denials, Bad Faith Insurance Claim Practices And Non-Payment Of Claims Practices From The Hartford Policyholders With The Hartford Auto, The Hartford Disability, The Hartford Business, The Hartford Homeowner, The Hartford Life, And The Hartford Workers Compensation Insurance Claims. Very High Number Of Consumer Bad Faith Related Complaints And Lawsuits With Horrible Consumer Stories Of Foul Play And Claimants Being Victimized By This Insurer from Claimants With Auto, Business  Disability And Homeowner Insurance.*   Large Insurer Group That Is Approximately One-Half To One-Third The Size Of Allstate and 15%-20% The Size Of State Farm But With A Multiple Many Times More Complaints, Coverage Denials And Non-Payment Of Claims In Comparison.   Some Policyholders With The Company For A Number Of Years, That Were Surprised Initially To Hear Of Hartford's Very Bad Record Of Bad Faith And Non-Payment Of Claims Especially Those Never Having Or Making A Claim.*   Don't Think Or Be Like So Many We Here From That Indicate To Us "I Didn't Think It Would Happen To Me".   If You Insure With Hartford, Know That You Are At Very High And Greatest Risk Of Being Denied Payment Of A Claim.*   Don't Wait For It To Happen To You ... If You Are Insured By Hartford, Be Advised That You Should Immediately Cancel Your Insurance And Switch To Another Insurer Before You Find Yourself (Like The Many Others) Being Denied Payment Of A Claim For Which You Paid Premiums Resulting In You Or Your Family Losing Everything. You Absolutely Do Not Want To Be Insured By Hartford ... Join With Others In FBIC America's Consumer "Buy Good Boycott Bad" Faith Insurers Of This Extreme Worst Bad Faith Insurer!   (Member Companies Of Hartford Group Include: First State Insurance, Hart Life Insurance, Hartford Accident & Indemnity Insurance, Hartford Casualty Insurance, Hartford Fire Insurance, Hartford Insurance Of Illinois, Hartford Insurance Of The Midwest, Hartford Insurance Of The Southeast, Hartford International Life Reassurance, Hartford Life & Accident Insurance, Hartford Life & Annuity Insurance, Hartford Life Insurance, Hartford Lloyds Insurance, Hartford Underwriters Insurance, New England Insurance, New England Rein Corp, Nutmeg Insurance, Nutmeg Life Insurance, Omni Indemnity, Omni Insurance, Pacific Insurance Ltd., Property & Casualty Insurance Of Hartford, Sentinel Insurance Ltd., Servus Life Insurance, Trumbull Insurance, Twin City Fire Insurance).


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(6)   Allstate: Allstate Consistently Gets The Hall Of Shame #1, 2 or 3 Worst U.S. Bad Faith Insurer Complaint Record!* Very Bad Record Of Bad Faith Insurance Claim Practices, Non-Payment Of Claims, Very High Number Of Consumer Complaints, Claimants Lawsuits And Horrible Stories Of Foul Play And Victimizations At The Hands Of Allstate!* Large Insurer Group. You Absolutely Do Not Want To Be Insured With Allstate. Join With Others In FBIC America's Consumer "Buy Good Boycott Bad" Faith Insurers Of This Extreme Bad Faith Insurer!   (Member Companies Of Group Include: Allstate Assurance, Allstate County Mutual, Allstate Fire And Casualty Insurance, Allstate Floridian Indemnity, Allstate Floridian Insurance, Allstate Indemnity, Allstate Insurance, Allstate Life Insurance, Allstate Life Insurance Of NY, Allstate New Jersey Insurance, Allstate North American Insurance , Allstate Property & Casualty Insurance, Allstate Texas Lloyds Insurance, American Heritage Life Insurance, Charter National Life Insurance, Columbia Universal Life Insurance, Concord Heritage Life Insurance, Deerbrook Insurance, Encompass Indemnity, Encompass Insurance, Encompass Insurance Of New Jersey, Esurance Insurance, Esurance Property And Casualty Insurance, First Colonial Insurance, Glenbrook Life & Annuity, Intramerica Life Insurance, Keystone State Life Insurance, Lincoln Benefit Life, Northbrook Indemnity, Surety Life Insurance).


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(7)   State Farm: State Farm Consistently Gets The Hall Of Shame #1, 2 or 3 Worst U.S. Bad Faith Insurer Complaint Record. Very Bad Record Of Bad Faith Insurance Claim Practices, Non-Payment Of Claims, Very High Number Of Consumer Complaints, Claimants Lawsuits And Horrible Stories Of Foul Play And Victimizations. This Company Started Out In 1922 As One Of The Best Insurers In The U.S. And Remained That Way For Many Years Up Until Upwards Of 30 Years Ago When That Changed.  Today, It Has Consistently Earned One Of The 3 Worst U.S. Bad Faith Insurer Records!*   Very Bad Record For The #1 Largest And Most Powerful U.S. Insurer Of Bad Faith Insurance Claim Practices, Non-Payments Of Claims, An Enormous Number Of Complaints And Claimants Lawsuits, Many With Appalling Stories Of Foul Play And Consumers Being Victimized By This Insurer That Claims They Are Like A Good Neighbor!*   View State Farm's Fraud Right Here For Yourself: Numerous, Widespread And Repeated Examples Of State Farm's Bad Faith And Abusive Practices Inflicted Nationwide "Neighborly-like" Upon Consumers, Claimants And Their Own Policyholders From The Following NBC Dateline Televised Expose Viewed In Four Parts (click on one at a time to view each 15 minute segment): Part 1, Part 2, Part 3, Part 4, Attesting To State Farm's Bad Faith Insurance Claim Practices.  FYI, Reference Court Case Campbell v. State Farm, Utah For A Good Example Of Their Bad Faith Claim Actions Not To Mention A Claim 25 Years In Court Unnecessarily With Courts Verdicts Repeatedly Indicating State Farm To Pay The Claim And As Of 2004, A Final Court Decision Was Made On The Case ... Whether The Claim Has Been Paid Or Not Is Questionable.  You Absolutely Do Not Want To Be Insured With State Farm ... Join With Others In FBIC America's Consumer "Buy Good Boycott Bad" Faith Insurers Of This Extreme Bad Faith Insurer!   (Member Companies Of Group Include: State Farm Annuity & Life Insurance, State Farm County Mutual Insurance of Texas, State Farm Fire & Casualty Insurance, State Farm Florida Insurance, State Farm General Insurance, State Farm Indemnity, State Farm Life & Accident Assurance, State Farm Life Insurance, State Farm Lloyds, State Farm Mutual Auto Insurance, State Farm Mutual Group).


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(8)   Liberty Mutual: A Bad Record Upgraded from Formerly One Of The 5 Worst U.S. Bad Faith Insurer Records!* Large Insurer Group.  Be Advised: You Do Not Want To Buy Insurance Or Be Insured With This Bad Faith Insurer!   (Member Companies Of Group Include: America First Insurance, American Ambassador Casualty Insurance, Atlas Assurance, Bridgefield Casualty Insurance, Bridgefield Employers Insurance, Colorado Casualty Insurance, Consolidated Insurance, Employers Insurance Of Wausau, Excelsior Insurance, First Liberty Insurance, Globe American Casualty Insurance, Golden Eagle Insurance Company, Golden Eagle Insurance Corp., Hawkeye Security Insurance, Indiana Insurance, Liberty County Mutual Insurance, Liberty Insurance Corp., Liberty Insurance Of America, Liberty Insurance Underwriters, Liberty Life Assurance Of Boston, Liberty Lloyds Of Texas Insurance, Liberty Mutual Fire Insurance, Liberty Mutual Insurance, Liberty Northwest Insurance Corp., Liberty Personal Insurance, Liberty Surplus Insurance Corp., LM Insurance Corp., Merchants & Business Mens Mutual Insurance, Mid American Fire & Casualty Insurance, Midwestern Indemnity, Montgomery Indemnity, Montgomery Mutual Insurance, National Insurance Association, Netherlands Insurance, North Pacific Insurance, Oregon Automobile Insurance, Peerless Indemnity Insurance, Peerless Insurance, San Diego Insurance, Wausau Business Insurance, Wausau General Insurance, Wausau Underwriters Insurance).


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(9)   Farmers: Consistently One Of The 5 Worst U.S. Bad Faith Insurer Records!* A Consistently Very Bad Record!   Large Insurer Group.   Be Advised: You Do Not Want To Buy Insurance Or Be Insured With This Bad Faith Insurer!   (Member Companies Are Noted In With Zurich Group).


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(9a)   Zurich: Unsatisfactory To Bad Record! Large Insurer Group. Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.   (Member Companies Of Group Include: 21st Century Casualty Insurance, 21st Century Insurance, 21st Century Insurance Of Arizona, American Federation Insurance, American Guarantee & Liability Insurance, American Zurich Insurance, Assurance Of America, Centre Insurance, Centre Life Insurance, Centre Rein Group, Civic Property & Casualty Insurance, Colonial American Casualty And Surety, Constellation Rein, Empire Fire And Marine Insurance, Empire Indemnity Insurance, Exact Property & Casualty, Farmers Insurance Inc., Farmers Insurance Of Arizona, Farmers Insurance Of Idaho, Farmers Insurance Of Oregon, Farmers Insurance Of Washington, Farmers Insurance Exchange, Farmers Insurance Group, Farmers Insurance Of Columbus Inc., Farmers New Century Insurance, Farmers New World Life Insurance, Farmers Rein, Farmers Texas County Mutual Insurance, Fidelity & Deposit Of Maryland, Fidelity & Deposit Group, Fire Insurance Exchange, Foremost County Mutual Insurance, Foremost Insurance, Foremost Lloyds Of Texas, Foremost Property & Casualty Insurance, Foremost Signature Insurance, Home Insurance, Illinois Farmers Insurance, Kemper Investors Life Insurance, Maine Bonding & Casualty, Maryland Casualty Insurance, Maryland Insurance, Maryland Lloyds, Mid-Century Insurance, Mid-Century Insurance Of Texas, National Standard Insurance, Neighborhood Spirit Property & Casualty Insurance, Northern Insurance Of New York, Steadfast Insurance, Texas Farmers Insurance, Truck Insurance Exchange, Universal Underwriters Insurance, Universal Underwriters Life Insurance, Universal Underwriters Of Texas Insurance, U.S. International Reinsurance, Valiant Insurance, ZC Specialty Insurance, Zurich American Insurance, Zurich American Insurance Of Illinois, Zurich Insurance Group. (Although Zurich Owns Farmers Insurance Group, FBIC Ranking For Zurich Excludes Farmers Insurance Group Which Includes Farmers Insurance, Farmers Insurance Exchange, Farmers Insurance Of Arizona, Farmers Insurance Of Columbus, Farmers Insurance of Oregon, Farmers Insurance Of Washington, Farmers New Century Insurance, Farmers Texas County Mutual Insurance).


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(10)   Progressive: A Bad Record That Is Appearing To Show Signs Of Improvement With Fewer Than Usual Recent Complaints! Large Insurer Group.   Be Advised That We Recommend Consumers Not Buy Insurance From This Bad Faith Insurer!   (Member Companies Of Group Include: Mountain Laurel Insurance, National Continental Insurance, Progressive American Insurance, Progressive Auto Pro Insurance, Progressive Bayside Insurance, Progressive Casualty Insurance, Progressive Classic Insurance, Progressive Consumers Insurance, Progressive County Mutual Insurance, Progressive Express Insurance, Progressive Halcyon Insurance, Progressive Hawaii Insurance, Progressive Home Insurance, Progressive Home Underwriters Insurance, Progressive Marathon Insurance, Progressive Max Insurance, Progressive Michigan Insurance, Progressive Mountain Insurance, Progressive Northeastern Insurance, Progressive Northern Insurance, Progressive Northwestern Insurance, Progressive Paloverde Insurance, Progressive Preferred Insurance, Progressive Premiere Insurance Of Illinois, Progressive Southeastern Insurance, Progressive Specialty Insurance, Progressive Universal Insurance, Progressive West Insurance, Specialty Risk Insurance, United Financial Casualty Insurance).

(11)   Nationwide: A Bad Record. Large Insurer Group. Be Advised That We Recommend Consumers Not Buy Insurance From This Bad Faith Insurer!  (Member Companies Of Group Include: Allied Property & Casualty Insurance, Amco Insurance, CalFarm Insurance, Colonial County Mutual Insurance, Depositors Insurance, Farmland Mutual Insurance, National Casualty, Nationwide Affinity Insurance Of America, Nationwide Agribusiness Insurance, Nationwide Assurance, Nationwide General Insurance, Nationwide Indemnity, Nationwide Insurance Of America, Nationwide Insurance Of Florida, Nationwide Life & Annuity Of America, Nationwide Life Insurance, Nationwide Life Insurance Of America, Nationwide Life Insurance Of Delaware, Nationwide Lloyds, Nationwide Mutual Fire Insurance, Nationwide Mutual Insurance, Nationwide Property & Casualty Insurance, Scottsdale Indemnity, Scottsdale Insurance, Scottsdale Surplus Lines Insurance, Titan Indemnity, Titan Insurance, Victoria Automobile Insurance, Victoria Fire & Casualty, Victoria National Insurance, Victoria Select Insurance, Western Heritage Insurance). Nationwide Insurance announced its acquisition of Harleysville a/a September 30, 2011.

(12)   American International Group (AIG): A Bad Record! Large Insurer Group. Now And Only Now That AIG Is 80% Owned By The U.S. Government Through It's TARP Bailout Program, Whether To Buy Insurance From This Former Bad Faith Insurer Although Is Still Highly Questionable, It Is Better Than It Used To Be ... Be Advised That When You Buy Insurance From This Formerly Bad Faith Insurer You Still Do So At Your Own Questionable Risk When You Need To Make A Claim.   (While AIG Is Selling Off Many Of It's Properties And Is In Flux In Order To Pay Back The U.S. Government Bailout, Member Companies Of Group May Include: AGC Life Insurance, AIG Annuity, 67% sale of AIA through a 2010 IPO, AIG Centennial Insurance, AIG Global Trade & Pol. Risk Insurance, AIG Hawaii Insurance, AIG Indemnity Insurance, AIG Life Insurance, AIG Life Insurance Of Puerto Rico, AIG National Insurance, AIG Preferred Insurance, AIG Premier Insurance, AIG SunAmerica Life Assurance, AIU Insurance, American General Assurance, American General Indemnity, American General Life, American General Life & Accident Insurance, American General Property Insurance Of Florida, American General Property Insurance, American Home Assurance, American International Insurance, American International Insurance of California, American International Insurance of Delaware, American International Insurance of New Jersey, American International Insurance of Puerto Rico, American International Life Assurance of New York, American International Pacific Insurance, American International South Insurance, American International Specialty Lines Insurance, American Pacific Insurance, Audubon Indemnity, Audubon Insurance, Bayside Casualty, Birmingham Fire Insurance Of Pennsylvania, China American Insurance, Commerce And Industry Insurance, Delaware American Life Insurance, First SunAmerica Life Insurance, GE Property & Casualty Insurance, Granite State Insurance, Hartford Steam Boiler Inspection & Insurance, Hartford Steam Boiler Inspection Insurance Of Connecticut, Illinois National Insurance, Insurance Co. Of The State Of Pennsylvania, Landmark Insurance, Lexington Insurance, Merit Life Insurance, Minnesota Insurance, National Union Fire Insurance Of Louisiana, National Union Fire Insurance Of Pittsburgh, New Hampshire Indemnity Insurance, New Hampshire Insurance, North Central Life Insurance, Pacific Union Assurance, Putnam Rein, SunAmerica Life Insurance, Transatlantic Rein, United Guaranty Commercial Insurance of North Carolina, United Guaranty Residential Insurance, United Guaranty Residential Insurance of North Carolina, United Guaranty Credit Insurance, United Guaranty Insurance, United Guaranty Mortgage Insurance, United Guaranty Mortgage Insurance Of North Carolina, United Guaranty Mortgage Indemnity, United States Life Insurance In New York City, U.S. Life Credit Life Insurance Of Arizona, Variable Annuity Life Insurance, Yosemite Insurance).

(13)   Safeco Insurance Companies Group: A Bad Record Starting To Show Signs Of Improvement! Large Insurer Group. Whether To Buy Insurance From This Bad Faith Insurer Is Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Questionable Risk When You Need To Make A Claim.   (Member Companies Of Group Include: American Economy Insurance, American States Insurance, American States Insurance of Texas, American States Life Insurance, American States Lloyds Insurance, American States Preferred Insurance, First National Insurance of America, First Safeco National Life Insurance of New York, General Insurance Of America, Insurance Of Illinois, Safeco Insurance of America, Safeco Insurance of Illinois, Safeco Insurance of Indiana, Safeco Insurance Of Oregon, Safeco Life Insurance,  Safeco Lloyds Insurance, Safeco National Insurance, Safeco National Life Insurance, Safeco Surplus Lines Insurance).  April 23, 2008 - Liberty Mutual Announced It Agreed To Buy Safeco.


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(14)   American Financial Group: A Bad Record! Larger Midsize Insurer Group. Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim. (Member Companies Of Great American E&S Group Which Includes American Financial Group Include: American Alliance Insurance, American Empire Insurance, American National Fire Insurance, American Premiere Insurance, American Spirit Insurance, Atlanta Casualty Insurance, Atlanta Specialty Insurance, Coventry Insurance, Eagle American Insurance, Great American Alliance Insurance, Great American Assurance, Great American E&S Insurance, Great American Insurance, Great American Insurance of New York, Great American Property & Casualty Insurance, Great American Protection Insurance, Great American Security Insurance, Great American Spirit Insurance, Great Texas County Mutual Insurance, Infinity Insurance, Infinity National Insurance, Infinity Select Insurance, Leader Insurance, Leader Preferred Insurance, Leader Specialty Insurance, Mid-Continent Casualty Insurance, Mid-Continent Insurance, National Interstate Insurance, Oklahoma Surety, Regal Insurance, Republic Indemnity Of America, Republic Indemnity Of California, Seven Hills Insurance, Tico Insurance, Transport Insurance, Windsor Insurance, Worldwide Casualty Insurance, Worldwide Direct Auto Insurance, Worldwide Insurance).


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(15)   St. Paul Companies: A Significantly Improved Record! Large Insurer Group. Whether To Buy Insurance From This Insurer Is Still Questionable ... Be Advised That When You Buy Insurance From This Insurer, You Do So At Greater Risk When You Need To Make A Claim. Note: St. Paul Acquired Travelers Property & Casualty Group o/a April 1, 2004.  Note: St. Paul's FBIC Ranking Was Significantly Upgraded To Good Faith Insurer During The Same "For Sale And Acquisition Period" While Travelers Property & Casualty Group Experienced An Equally Significant Downgrade To Bad Faith Insurer.  (St. Paul Member Companies Include: Athena Assurance, Discover Property & Casualty Insurance, Fidelity & Guaranty Insurance, Fidelity & Guaranty Insurance Underwriters, Northbrook Property and Casualty Insurance, St. Paul Fire And Marine Insurance, St. Paul Guardian Insurance, St. Paul Indemnity, St. Paul Insurance, St. Paul Mercury Insurance, Titan Indemnity Insurance, Titan Insurance, US Fidelity & Guaranty, USF&G Insurance, Victoria Automobile Insurance, Victoria Fire & Casualty Insurance, Victoria Select Insurance).


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(16)   Berkshire Hathaway Insurance Companies Group (owns GEICO): Has A Very Bad Record. A Very Large Insurer Group. Has Many Complaints And/Or Extensive Complaint Related Litigation In The Courts Under Cover Of Their Own Owned Insurance And Reinsurance Companies, Third Party Claims Management Administrator Company Resolute Management, Involving Extensive Illegal Schemes To Deny And Avoid Paying Legitimate Claims And Illicit Relationships With Other Non-owned Companies 100% Controlled By Berkshire Hathaway Through Collaboration Agreements To Include Third Party Claims Management Company Cavell America aka Cavell U.S. (owned by UK-based Randall & Quilter), And Run-off Liquidation Company with UK-based Randall & Quilter), And Other Insurers Through Finite And Cap-cover Reinsurance Policies Involved In Illicit Illegal Schemes (Reinsurance, Third Party Claims Management Administrators, Liquidator Run-off Companies, Etc.) And Thus Has A Toxic And Extremely Bad Record.   (Member Companies Of Berkshire-Hathaway Insurance Companies Group Include: Applied Underwriters, Homestates Companies, Berkshire Hathaway Life Insurance NE, BHG Life Insurance, Boat U.S., Brookwood Insurance, Central Star Indemnity, Central States Indemnity, Cologne Reinsurance Co Of America, Columbia Insurance, Continental Divide Insurance, Cornhusker Casualty, CSI Life Insurance, Cypress Insurance, Fairfield Insurance, First Berkshire Hathaway Life Insurance, GEICO Casualty Insurance, GEICO General Insurance, GEICO Indemnity, GEICO Insurance, General Reinsurance, General Re Life, General Star Indemnity, General Star National Insurance, Genesis Indemnity, Genesis Insurance, Government Employees Insurance, Kansas Bankers Surety, Medical Protective, Mount Vernon Fire Insurance, National Fire & Marine, National Indemnity, National Indemnity Group, National Indemnity Of Mid-America, National Indemnity Of The South, National Liability & Fire Insurance, National Reinsurance, North Star Reinsurance, Oak River Insurance, Redwood Fire & Casualty Insurance, Republic Insurance, Resolute Management, Seaworthy Insurance, U.S. Underwriters Insurance, Unione Italiana Reinsurance Co Of America, United States Liability Insurance, Wesco-Financial Insurance).


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(17)   Farm Bureau (Indiana): Questionable Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies Of Group Include: UFB (United Farm Bureau) Casualty Insurance Of Indiana, United Farm Family Mutual Insurance of Indiana).


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(18)   USAA: A Formerly Bad Record Upgraded To Questionable And Now Back To Good Faith As It Was Before Top Management Opened The Door To Non-Military Policyholders.. Large Insurer Group. Recently Upgraded From Having Been Downgraded Due To A Continuing Growing Number Of Bad Faith Complaints Against Them Moreso Several Years Ago When It Converted And Opened It's Sales Policy To Include Non-Military Policyholders. Many Policyholders With The Company For Years Were Mystified At FBIC's Previous Downgraded Rank Whether To Buy Insurance From This Previous Bad Faith Insurer But Now Good Faith Insurer Is Upgraded To Okay From Questionable During This Transition Period ... Be Advised That When You Buy Insurance From This Recent Former Bad Faith Insurer But Now Good Faith Insurer, You Do So At Your Own Minimum Risk When You Need To Make A Claim.   Member Companies Of Group Include: Garrison Property & Casualty Assn., United Services Auto Assn, USAA Casualty Insurance, USAA County Mutual Insurance, USAA General Indemnity, USAA Insurance, USAA Life Insurance, USAA Life Insurance Of New York, USAA Texas Lloyds.


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(19)   Allianz: Good Record. Large Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It.   (Member Companies include: Allianz Global Risks U.S. Insurance, Allianz Life Insurance Of North America, Allianz Life Insurance Of New York, Allianz Underwriters Insurance, American Automobile Insurance, American Insurance, American Standard Lloyds Insurance, Associated Indemnity Insurance, Chicago Insurance, Fireman's Fund County Mutual Insurance, Fireman's Fund Indemnity, Fireman's Fund Insurance of California, Fireman's Fund Insurance Of Georgia, Fireman's Fund Insurance Of Hawaii, Fireman's Fund Insurance Of Louisiana, Fireman's Fund Insurance Of Missouri, Fireman's Fund Insurance Of Nebraska, Fireman's Fund Insurance Of Ohio, Fireman's Fund Insurance Of Texas, Fireman's Fund Insurance Of Wisconsin, Interstate Fire & Casualty Insurance, Interstate Indemnity Insurance, Jefferson Insurance, Midway Insurance Of Illinois, Monticello Insurance, National Surety, Parkway Insurance, San Francisco Reins, Vintage Insurance).


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(20)   Chubb: Good Record. Large Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It.  Downgrade February was the result of information secured from litigation.  (Member Companies include: Chubb Custom Insurance, Chubb Indemnity Insurance, Chubb Insurance Of New Jersey, Chubb Lloyds Insurance Of Texas, Chubb National Insurance, Combined Federal Insurance & Affiliates, Executive Risk Indemnity Insurance, Executive Risk Specialty Insurance, Federal Insurance, Great Northern Insurance, Northwestern Pacific Indemnity Insurance, Pacific Indemnity, Quadrant Indemnity, Quanta Specialty Lines Insurance, Texas Pacific Indemnity, Vigilant Insurance).


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(21)   Aetna: Questionable Satisfactory Record. Large Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It.  (Member Companies include: Aet Health Care Plan Inc., Aetna Casualty Group, Aetna Dental Inc, Aetna Dental Inc New Jersey Corp, Aetna Health & Life Insurance Co, Aetna Health Inc, Aetna Health Inc Arizona Corp, Aetna Health Inc Colorado Corp, Aetna Health Inc Delaware Corp, Aetna Health Inc Florida Corp, Aetna Health Inc Georgia Corp, Aetna Health Inc Louisiana Corp, Aetna Health Inc Maine Corp, Aetna Health Inc Maryland Corp, Aetna Health Inc Massachusetts Corp, Aetna Health Inc Michigan Corp, Aetna Health Inc Missouri Corp, Aetna Health Inc New Hampshire Corp, Aetna Health Inc New Jersey Corp, Aetna Health Inc New York Corp, Aetna Health Inc Ohio Corp, Aetna Health Inc Oklahoma Corp, Aetna Health Inc Pennsylvania Corp, Aetna Health Inc Tennessee Corp, Aetna Health Inc Texas Corp, Aetna Health Insurance Co Of New York, Aetna Health Of Illinois Inc, Aetna Health Of The Carolinas Inc, Aetna Healthcare Plan Inc, Aetna Insurance Co Of Connecticut, Aetna Life Insurance Co, Corporate Health Insurance Co.).


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(22)   State Auto Group: An Unsatisfactory Record ... Recent Significant Downgrade. Midsize Insurer Group. Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.   (Member Companies include: Farmers Casualty Insurance, Meridian Citizens Mutual Insurance, Meridian Citizens Security Insurance, Meridian Security Insurance, Mid-Plains Insurance, Milbank Insurance, State Auto Florida Insurance,  State Auto Insurance Of Ohio,  State Auto Insurance Of Wisconsin,  State Auto National Insurance, State Auto Property & Casualty Insurance, State Automobile Mutual Insurance).


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(23)   Amica Mutual: Good Record. Smaller-Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It.   (Member Companies include: Amica Life Insurance, Amica Lloyds Insurance, Amica Mutual Insurance).



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(24)   White Mountains Insurance Group: Questionable Satisfactory Record. Larger-Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Of Note: White Mountains Group Acquired/Absorbed Numerous Companies In 2007-08, A Number Of Which At The Time Were And Accordingly Still Are Considered Bad Faith Insurers Having A Significant Number Of Bad Faith Related Complaints Against Them ... These Groups And Companies Include OneBeacon And CGU Companies And Include: CGU Insurance, CGU Insurance Illinois, CGU Insurance New Jersey, CGU Insurance New York, Commercial Union Midwest Insurance, Commercial Union York Insurance, CU Lloyds Of Texas). Otherwise, The Remaining Member Companies Of The White Mountains Group include: American Centennial Insurance, American Central Insurance, American Employers Insurance, C-F Insurance, Camden Fire Insurance Assn., Employers Fire Insurance, Farmers & Merchants Insurance, General Assurance, Homeland Central Insurance, Homeland Insurance Of New York, Houston General Insurance, Houston General Lloyds Insurance, Massachusetts Homeland Insurance, Midwestern Insurance, National Farmers Union Casualty Insurance, National Farmers Union Property & Casualty Insurance, National Farmers Union Standard Insurance, Northern Assurance Of America, OneBeacon America Insurance, OneBeacon Insurance, OneBeacon Lloyds Insurance, OneBeacon Midwest Insurance, Peninsula Indemnity, Peninsula Insurance, Pennsylvania General Insurance, PG Insurance Of New York, Potomac Insurance, Potomac Insurance Of Illinois, Traders & General Insurance, Traders & Pacific Insurance, United Security Insurance, Western States Insurance, York Insurance Of Maine).


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(25)   Atlantic Companies Insurance Group: Questionable Satisfactory Record. Smaller-Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It.   (Member Companies include: Atlantic Lloyds Insurance Of Texas, Atlantic Mutual Insurance, Atlantic Specialty Insurance, Centennial Insurance).


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(26)   Electric Mutual Group: Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It.   (Member Companies include: Electric Insurance, Electric Lloyds Insurance Of Texas).


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(27)   Credit Suisse Group: Satisfactory Record. Larger-Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Blue Ridge Indemnity, Blue Ridge Insurance, Federated American Insurance, General Casualty Insurance Of Illinois, General Casualty Insurance Of Wisconsin, Hoosier Insurance, MassWest Insurance, National Merit Insurance, Regent Insurance, Republic Fire & Casualty Insurance, Republic Insurance Group, Republic Lloyds Insurance, Republic Underwriters Insurance, Republic-Vanguard Insurance, Southern County Mutual Insurance, Southern Fire & Casualty Insurance, Southern Guaranty Group, Southern Guaranty Insurance, Southern Guaranty Insurance Of Georgia, Southern Insurance, Southern Pilot Insurance, Southern Underwriters Insurance, Southern Vanguard Insurance, Unigard Indemnity, Unigard Insurance).


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(28)   Wellpoint Inc. Group: Large Insurer Group. An Unsatisfactory Record.  ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim. Be Aware That This Group And Companies Has Many Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Anthem Health Plans Inc, Anthem Health Plans Of Kentucky Inc, Anthem Health Plans Of Maine Inc, Anthem Health Plans Of New Hampshire, Anthem Health Plans Of Virginia Inc, Anthem Insurance Co Inc, Anthem Life Insurance Co, Anthem Life Insurance Companies Inc, BC Life & Health Insurance Co, Blue Cross Blue Shield Healthcare Plan Of Georgia Inc, Blue Cross Blue Shield Of Georgia Inc, Blue Cross Blue Shield Of Wisconsin, Community Insurance Co, Compcare Health Services Insurance Corp, Greater Georgia Life Insurance Co, Healthkeepers Inc, Healthlink HMO Inc, Healthy Alliance Life Insurance Co, HMO Colorado Inc, HMO Missouri Inc, Matthew Thorton Health Plan Inc, Onenation Insurance Co, Peninsula Health Care Inc, Priority Healthcare Inc, Rightchoice Insurance Co, Rocky Mountain Hospital & Medical, Trigon Health And Life Insurance Co, Unicare Health Insurance Co Of Texas, Unicare Health Insurance Co Of The Midwest, Unicare Health Plan Of Oklahoma Inc, Unicare Health Plan Of Virginia Inc, Unicare Health Plan Of West Virginia Inc, Unicare Health Plans Of Texas Inc, Unicare Health Plans Of The Midwest, Unicare Life & Health Insurance Co, United Heartland Life Insurance Co, United Wisconsin Insurance Co, Valley Health Plan Inc.).




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(29)   Travelers: A Bad Record. Questionable Satisfactory Record. Large Insurer Group. Is It Okay To Buy Insurance From This Formerly Rated Bad Faith Insurer Turned Marginally Good Faith Insurer Is Now Presently Reverted Back To Being Rated A Bad Faith Insurer As The Number Of Complaints Has Dramatically Increased Again With Claims Not Being Paid: Be Aware That This Group And Companies Previously When Owned By Citigroup Had Many Bad Faith Claims And Consumer Complaints Alleged Against It. This Insurer's Ranking Was Previously Significantly Downgraded At April 2004 To An "Unsatisfactory-Bad" Record and further downgraded April 2005 to a "Bad" Record Rating.  Note: The Travelers Property & Casualty Division Announced Their Completion Of Their P&C Division Sale To St. Paul Companies o/a April 1, 2004 and their Life & Health Division to The Metropolitan Group (MetLife) o/a April 2005. Could The Significant Increase In The Recent Past Couple Years Complaints And Bad Faith Related Claims Against Travelers Have Anything To Do With Citigroup/Travelers Knowing They Were Selling Their P&C and Life & Health Divisions In Advance Have Anything To Do With This Insurer's Significant Downgrades In Their Bad Faith Claims Practices Ranking?  One Can Only Ask What If Any Role, Effect Or Influence Did The Pending Sale Status Of The Company Have To Do With The Uncharacteristic Significant Increase In Claim Complaints During The Pre-determined "For Sale" Period Status. Is It By Accident That Its Former Parent Citigroup Announcing Its Company's Record Breaking Profits For Its First Quarter Results 2004 With Record Profits Alleged To Be The Largest Ever For Any Public Company In The History For Any Stock Exchange Traded Company At The Time? What Role Did Travelers Excessive Insureds Claims Related Complaints And Denial Of Claims Play?  Whether To Buy Insurance From This Presently Bad Faith Insurer Is Highly Questionable Until We See Proper Payment Of Claims Performance By The Company.  (Member Companies Of Group Include: American Equity, American Equity Specialty, Associates, Associates Lloyds, Atlantic, Automobile Of Hartford, Charter Oak, Commercial Guaranty, Farmington Casualty, First Floridian Auto & Home, First Trenton Indemnity, Gulf Group Lloyds, Gulf, Gulf Underwriters, Mendakota, Mendota, Northfield, Northland Casualty, Northland, Phoenix, Premiere Of Massachusetts, Red Oak, Select, Standard Fire, Travco, Travelers Commercial, Travelers Casualty & Surety, Travelers Casualty & Surety Of America, Travelers Casualty & Surety Of Illinois, Travelers Casualty Of Connecticut, Travelers Commercial, Travelers Excess & Surplus, Travelers Home & Marine, Travelers Indemnity, Travelers Indemnity Of America, Travelers Indemnity Of Connecticut, Travelers Indemnity Of Illinois, Travelers Lloyds, Travelers Lloyds Of Texas, Travelers Personal Security, Travelers Property & Casualty Of Illinois, Travelers Property & Casualty).


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(30)   Metlife: A Bad Record. Large Insurer Group.   ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own 'Greatest' Risk When You Need To Make A Claim.   (Member Companies Of Group Include: American Life Insurance (bought from AIG in 2010), Economy Fire & Casualty Co., Economy Preferred Insurance Co., Economy Premier Assurance Co., First Metlife Investors Insurance Co., General American Life Insurance Co., Metlife Investors Insurance Co., Metlife Investors Insurance Co. Of CA., Metlife Investors USA Insurance Co., Metropolitan Casualty Insurance Co., Metropolitan Property & Casualty Ins Co., Metropolitan General Insurance Co., Metropolitan Group Property & Casualty Insurance Co., Metropolitan Life Insurance Co., Metropolitan Lloyds Insurance Co. TX, Metropolitan P&C Insurance Co. & Affiliates, Metropolitan Property & Casualty Insurance Co., Metropolitan Tower Life Insurance Co., New England Life Insurance Co., Omega Reins Corp., Paragon Life Insurance Co., Reinsurance Co. Of MO Inc., RNA Reins Co., Texas Life Insurance Co.).


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(31)   American Family: A Bad Record. Medium Size Insurer Group.   ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own 'Greatest' Risk When You Need To Make A Claim.   (Member Companies Of Group Include: American Family Insurance Co., American Family Insurance Group, American Family Life Insurance Co., American Family Mutual Insurance Co., American Standard Insurance Co. Of OH, American Standard Insurance Co. Of WI.).


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(32)   Prudential: A Bad Record. Large Insurer Group.   ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own 'Greatest' Risk When You Need To Make A Claim.   (Member Companies Of Group Include: American Skandia Life Assurance Corp., Pruco Life Insurance Company, Pruco Life Insurance Company Of NJ, Prudential Insurance Company Of America, Prudential Retirement Insurance & Annuity Company, Vantage Casualty Insurance Company).


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(33)   CNA: A Bad Record. Large Insurer Group.   ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own 'Greatest' Risk When You Need To Make A Claim.   (Member Companies Of Group Include: American Casualty Co. Of Reading PA, Boston Old Colony Insurance Co., Buckeye Union Insurance Co., CNA Casualty Of CA, CNA Surety Corp, Columbia Casualty Co., Commercial Insurance Co. Of Newark NJ, Continental Assurance Co., Continental Casualty Co., Continental Casualty Group, Continental Insurance Co., Continental Insurance Co. Of NJ, Continental Insurance Co. Of PR, Continental Lloyds Insurance Co., Continental National Indemnity Co., Continental Rein Corp, Encompass Home And Auto Insurance Co., Encompass Independent Insurance Co., Encompass Insurance Co. Of America, Encompass Insurance Co. Of MA, Encompass Property & Casualty Co., Fidelity & Casualty Co. Of NY, Firemens Insurance Co. Of Newark NJ, First Fire & Casualty Insurance Of HI Inc, First Indemnity Insurance Of HI Inc, First Insurance Co. Of HI Ltd, First Security Insurance Of HI Inc, Galway Insurance Co., Glens Falls Insurance Co., Kansas City Fire & Marine Insurance Co., Mayflower Insurance Co. Ltd, National Fire Insurance Co. Of Hartford, National-Ben Franklin Insurance Co. Of IL, Niagara Fire Insurance Co., Pacific Insurance Co., Surety Bonding Co. Of America, Transcontinental Insurance Co., Transportation Insurance Co., Universal Surety Of America, Valley Forge Insurance Co., Western Surety Co.).


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(34)   Mercury General: A Bad Record. Larger Midsize Insurer Group.   ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own 'Greatest' Risk When You Need To Make A Claim.   (Member Companies Of Group Include: American Mercury Insurance Co., American Mercury Insurance Group, American Mercury Lloyds Insurance Co., California Automobile Insurance Co., California General Underwriters Insurance Co., Mercury Casualty Co., Mercury Casualty Group, Mercury County Mutual Insurance Co., Mercury Indemnity Co. Of America, Mercury Insurance Co. Of GA, Mercury Insurance Co. Of IL, Mercury Insurance Co., Mercury Insurance Co. Of FL, Mercury Insurance Co. Of GA, Mercury Insurance Co. Of IL).


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(35)   Unum Corp. Group (formerly UnumProvident): A Very Bad Record. Larger-Midsize Insurer Group. Sell Disability, Long Term Care and Life Insurance. Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own 'Greatest' Risk When You Need To Make A Claim.   (Member Companies Of Group Include: Colonial Life & Accident Insurance Co., First Unum Life Insurance Co., Paul Revere Life Insurance Co., Paul Revere Variable Annuity Insurance Co., Provident Life & Accident Insurance Co., Provident Life & Casualty Insurance Co., Unum Life Insurance Co. of America.).


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(36)   Royal & Sun Alliance Group: Satisfactory Record. Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Grocers Insurance Co., Guaranty National Insurance Co., Marine Indemnity Insurance Co Of America, Peak Property & Casualty Insurance Corp., Royal Indemnity Co., Royal Surplus Lines Insurance Co., Sea Insurance Co. Of America, Security Insurance Co. Of Hartford, Viking County Mutual Insurance Co., Viking Insurance Co Of Wisconsin).


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(37)   GMAC: Satisfactory Record. Larger-Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: CIM Insurance Corp., GMAC Direct Insurance Co., GMAC Insurance Co. Online Inc., Gulf & Western Life Insurance Co., Integon Casualty Insurance Co., Integon General Insurance Corp., Integon Indemnity Corp., Integon National Insurance Co., Integon Preferred Insurance Co., Integon Specialty Insurance, MIC General Insurance Corp., MIC Life Insurance Corp., MIC Property & Casualty Insurance Corp., Motors Insurance Corp., National Alliance Insurance Co., National General Assurance Co., National General Insurance Co., New South Insurance Co.).


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(38)   Conseco Group: Unsatisfactory Record. Midsize Insurer Group. Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies include: Bankers Life & Casualty Co, Bankers Life Insurance Co Of Illinois, Colonial Penn Life Insurance Co, Conseco Health Insurance Co, Conseco Insurance Co, Conseco Life Insurance Co, Conseco Life Insurance Co Of New York, Conseco Life Insurance Co Of Texas, Conseco Senior Health Insurance Co, Washington National Insurance Co.).


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(39)   Fairfax Financial: Satisfactory Record. Larger-Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Clearwater Insurance Co., Clearwater Select Insurance Co., Commonwealth Insurance Co. Of America, Crum & Forster Indemnity Co., Crum & Forster Specialty Insurance Co., Crum And Forster Insurance Co., Fairmont Insurance Co., Fairmont Premier Insurance Co., Fairmont Specialty Insurance Co., Fairmont Specialty Lloyds, Hudson Insurance Co., Hudson Specialty Insurance Co., North River Insurance Co., Odyssey America Reinsurance Co., Old Lyme Insurance Co. Of Rhode Island Inc, Seneca Insurance Co. Inc., Seneca Specialty Insurance Co., TIG Indemnity Co., TIG Insurance Co., TIG Insurance Group, TIG Specialty Insurance Corp., United States Fire Insurance Co.).


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(40)   John Hancock Group: Satisfactory Record. Large Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: John Hancock Life Insurance Co, John Hancock Life Insurance Co (US), John Hancock Life Insurance Co Of New York, John Hancock Variable Life Insurance Co., Manufacturers Life Insurance Co Of America, Manulife Insurance Co).


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(41)   Cuna Mutual: Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: CMG Mortgage Assurance Co., CMG Mortgage Insurance Co., CMG Mortgage Insurance Co., CMG Mortgage Reinsurance Co., Cumis Insurance Society Inc., Cuna Mutual Insurance Society, Members Life Insurance Co.).


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(42)   Humana: Satisfactory Record. Larger Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Careplus Health Plans Inc, Dental Concern Ltd, Emphesys Insurance Co, Humana Employers Health Plan Georgia Inc, Humana Health Benefit Plan Of Louisiana Inc, Humana Health Insurance Co Of Florida Inc, Humana Health Plan Inc, Humana Health Plan Of Ohio Inc, Humana Health Plan Of Texas Inc, Humana Health Plans Of Puerto Rico, Humana Insurance Co, Humana Insurance Co Of Kentucky, Humana Insurance Co Of Puerto Rico Inc, Humana Medical Plan Inc, Humana Wisconsin Health Org Insurance Corp, Humanadental Insurance Co, Independent Care Health Plan, Managed Care Indemnity Inc, The Dental Concern Inc,).


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(43)   Quincy Mutual: Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Patrons Oxford Insurance Co., Quincy Mutual Fire Insurance Co., Quincy Mutual Group.).


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(44)   North Carolina Farm Bureau: Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Recently Downgarded Good Faith Rated Insurer Is Questionable: You Should Be Aware That This Group And Companies Has Recently Had Some More Than Usual Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Farm Bureau Insurance Of North Carolina Inc., North Carolina Farm Bureau Mutual Insurance Co.).


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(45)   Erie: A Questionable Satisfactory Record. Midsize Insurer Group.   ... Be Advised That When You Buy Insurance From This Good Faith Insurer (Which Has Improved As It Was Previously Ranked As A Bad Faith Insurer), You Do So At Questionable Risk When You Need To Make A Claim.   (Member Companies Of Group Include: Erie Family Life Insurance Co., Erie Insurance Co., Erie Insurance Co. Of New York, Erie Insurance Exchange, Erie Insurance Exchange Group, Erie Insurance Property & Casualty Co., Flagship City Insurance Co.).


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(46)   Unitrin: An Unsatisfactory To Bad Record. Midsize To Large Insurer Group. Is It Okay To Buy From This Bad Faith Rated Insurer: Be Aware That This Group And Companies Has Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Alpha Property & Casualty Insurance Co., Charter Indemnity Co., Financial Indemnity Co., Kemper Independence Insurance Co., Milwaukee Casualty Insurance Co., Milwaukee Insurance Co., Milwaukee Safeguard Insurance Co., Reliable Life Insurance Co., Reliable Life Insurance Co. Of Texas, Reserve National Insurance Co., Security National Insurance Co. (TX), Trinity Lloyds Insurance Co., Trinity Universal Insurance Co., Trinity Universal Insurance Co. Of Kansas, Union National Fire Insurance Co., Union National Life Insurance Co., United Casualty Insurance Co. Of America, United Insurance Co. Of America, Unitrin Advantage Insurance Co., Unitrin Auto & Home Insurance Co., Unitrin County Mutual Insurance Co., Unitrin Direct Insurance Co., Unitrin Direct Property & Casualty Co., Unitrin Preferred Insurance Co., Unitrin Property & Casualty Insurance Group, Valley Insurance Co., Valley Property & Casualty Insurance Co.).


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(47)   Swiss Reinsurance America: Satisfactory Record. Midsize To Large Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Atradius Trade Credit Insurance Co., Employers Direct Insurance Co., Facility Insurance Corp., Fort Wayne Health & Casualty Insurance Co., North American Capacity Insurance Co., North American Elite Insurance Co., North American Specialty Insurance Co., Pacific Life & Accident Insurance Co., Reassure America Life Insurance Co., Sage Life Assurance Of America Inc., Southwestern Life Insurance Co., Swiss Reinsurance America Corp., Swiss Reinsurance America Corp Group, Swiss Reinsurance Life & Health America Inc., Valley Forge Life Insurance Co., Washington International Insurance Co.).


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(48)   Auto-Owners: An Unsatisfactory To Bad Record. Midsize To Large Insurer Group.   ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own 'Greatest' Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Auto Owners Life Insurance Co., Auto-Owners Insurance Co., Auto-Owners Insurance Co., Home-Owners Insurance Co., Owners Insurance Co., Property-Owners Insurance Co., Southern-Owners Insurance Co.).


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(49)   Iowa Farm Bureau:  Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Equitrust Life Insurance Co., Farm Bureau Life Insurance Co., Farm Bureau Mutual Group, Farm Bureau Mutual Insurance Co., KFB Insurance Co. Inc., Western Agricultural Insurance Co.).


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(50)   Idaho Farm Bureau: Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Farm Bureau Mutual Insurance Co. Of Idaho, Western Community Insurance Co.).


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(51)   Lumbermens Mutual Casualty: An Unsatisfactory To Bad Record. Midsize To Large Insurer Group.   ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own 'Greatest' Risk When You Need To Make A Claim.  (Member Companies Of Group Include: American Manufacturers Mutual Insurance Co., American Motorists Insurance Co., Kemper Casualty Insurance Co., Kemper Insurance Companies, Kemper Lloyds Insurance Co., Kemper Safeguard Surplus Insurance Co., Long Grove Insurance Co., Lumbermens Mutual Casualty Co., Lumbermens Mutual Casualty Co., Specialty Surplus Insurance Co., Universal Bonding Insurance Co.).


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(52)   Cigna: An Unsatisfactory To Bad Record. Large Insurer Group.   ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own 'Greatest' Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Cigna Dental Health 0f Kansas Inc., Cigna Dental Health Of Colorado Inc., Cigna Dental Health Of Delaware Inc., Cigna Dental Health Of Florida Inc., Cigna Dental Health Of Kentucky Inc., Cigna Dental Health Of Maryland Inc., Cigna Dental Health Of Missouri Inc., Cigna Dental Health Of New Jersey Inc., Cigna Dental Health Of New Mexico Inc., Cigna Dental Health Of North Carolina Inc., Cigna Dental Health Of Ohio Inc., Cigna Dental Health Of Pennsylvania Inc., Cigna Dental Health Of Texas Inc., Cigna Dental Health Of Virginia Inc., Cigna Dental Health Plan Of Arizona Inc., Cigna Healthcare Midatlantic Inc., Cigna Healthcare New Hampshire Inc., Cigna Healthcare Of Arizona Inc., Cigna Healthcare Of Colorado Inc., Cigna Healthcare Of Connecticut Inc., Cigna Healthcare Of Delaware Inc., Cigna Healthcare Of Florida Inc., Cigna Healthcare Of Georgia Inc., Cigna Healthcare Of Illinois Inc., Cigna Healthcare Of Indiana Inc., Cigna Healthcare Of Maine Inc., Cigna Healthcare Of Massachusetts Inc., Cigna Healthcare Of New Jersey Inc., Cigna Healthcare Of New York Inc., Cigna Healthcare Of North Carolina Inc., Cigna Healthcare Of Ohio Inc., Cigna Healthcare Of Pennsylvania Inc., Cigna Healthcare Of St. Louis Inc., Cigna Healthcare Of Tennessee Inc., Cigna Healthcare Of Texas Inc., Cigna Healthcare Of Utah Inc., Cigna Healthcare Of Virginia Inc., Cigna Healthcare Sc Inc., Cigna Insurance Group Inc., Cigna Insurance Services Co., Cigna Life Insurance Co. Of New York Cigna Worldwide Insurance Co., Cigna Worldwide Insurance Co., Connecticut General Life Insurance Co., Life Insurance Co. Of North America.).


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(53)   Norfolk & Dedham: Satisfactory Record. Small Insurer Group, Recently Downgraded. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some And A Growing Number Of Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Dorchester Mutual Insurance Co., Fitchburg Mutual Insurance Co., Norfolk & Dedham Mutual Fire Insurance Co.).


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(54)   Assurant: An Unsatisfactory To Bad Record. Large Insurer Group.   ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own 'Greatest' Risk When You Need To Make A Claim.  (Member Companies Of Group Include: American Bankers Life Assurance Co. Of Florida, American Memorial Life Insurance Co., American Reliable Insurance Co., American Security Insurance Co., Assurant Group, Caribbean American Life Assurance Co., Caribbean American Property Insurance Co., Condeaux Life Insurance Co., Denticare Inc., Denticare Inc Florida, Denticare Of Oklahoma Inc., Financial Insurance Exchange, First Fortis Life Insurance Co., Fortis Benefits Dentalcare Of New Jersey Inc., Fortis Benefits Dentalcare Of Wisconsin Inc., Fortis Benefits Insurance Co., International Dental Plans Inc., John Alden Life Insurance Co., Life Insurance Co. Of Mississippi, Mississippi Casualty Insurance Co., Mississippi Diversified Life Insurance Co., Mississippi Life Insurance Co., Reliable Lloyds Insurance Co., Standard Guaranty Insurance Co., UDC Dental California Inc Dba United Dental Care OH, UDC Life & Health Insurance Co., UDC Inc Dba United Dental Care Ohio, Union Security Life Insurance Co., United Dental Care Insurance Co., United Dental Care Of Arizona Inc., United Dental Care Of Colorado Inc., United Dental Care Of Michigan, United Dental Care Of Missouri Inc., United Dental Care Of Nebraska Inc., United Dental Care Of New Mexico Inc., United Dental Care Of Pennsylvania Inc., United Dental Care Of Texas Inc., United Dental Care Of Utah Inc., United Family Life Insurance Co., Voyager Indemnity Insurance Co., Voyager Property & Casualty Insurance Co.).


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(55)   UnitedHealth Group: Large Insurer Group. An Unsatisfactory Record.  ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim. Be Aware That This Group And Companies Has Many Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: All Savers Insurance Co, American Medical Security Life Insco, Americhoice Of New Jersey Inc, Americhoice Of New York Inc, Americhoice Of Pennsylvania Inc, Dental Benefit Providers Of Illinois Inc, Dental Benefit Providers Of Maryland Inc, Dental Benefit Providers Of New Jersey Inc, Dental Benefit Services Of Illinois Inc, Dental Insurance Co Of America, Evercare Of Texas LLC, Fidelity Insurance Co, Golden Rule Insurance Co, Great Lakes Health Plan, Investors Guaranty Life Insurance Co., Mamsi Life And Health Insurance Co, Maryland Individual Practice Association Inc, Midwest Security Life Insurance Co, Optimum Choice Inc, Optimum Choice Inc Of Pennsylvania, Optimum Choice Of The Carolinas Inc, Oxford Health Insurance Inc, Oxford Health Plans Connecticut Inc, Oxford Health Plans New Jersey Inc, Oxford Health Plans New York Inc, Rooney Life Insurance Co, Spectera Eyecare Of North Carolina Inc, Spectera Vision Inc, Spectera Vision Services Of Florida, Unimerica Insurance Co, Unimerica Life Insurance Co Of New York, United Healthcare Insurance Co, United Healthcare Insurance Co Of Illinois, United Healthcare Insurance Co Of New York, United Healthcare Insurance Co Of Ohio, United Healthcare Mid Atlantic Inc, United Healthcare Of Alabama Inc, United Healthcare Of Ar Inc, United Healthcare Of Arizona Inc, United Healthcare Of Colorado Inc, United Healthcare Of Florida Inc, United Healthcare Of Georgia Inc, United Healthcare Of Illinois Inc, United Healthcare Of Kentucky Ltd, United Healthcare Of Louisiana Inc, United Healthcare Of Midlands Inc, United Healthcare Of Midwest Inc, United Healthcare Of Mississippi Inc, United Healthcare Of New England Inc, United Healthcare Of New Jersey Inc, United Healthcare Of New York Inc, United Healthcare Of North Carolina Inc, United Healthcare Of Ohio Inc, United Healthcare Of Tennessee Inc, United Healthcare Of Texas Inc, United Healthcare Of Utah Inc, United Healthcare Of Wisconsin Inc, United Healthcare Plans Of Puerto Rico. Also owns Pacificare Health Systems Which Member Companies Include: Pacificare Dental Of Colorado Inc, Pacificare Life & Health Insurance Co, Pacificare Life Assurance, Pacificare Of Arizona Inc, Pacificare Of Colorado Inc, Pacificare Of Oklahoma Inc, Pacificare Of Oregon Inc, Pacificare Of Texas Inc, Pacificare Of Washington Inc, Providers Protective Insurance Co.).


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(56)   United Fire & Casualty: Satisfactory Record. Small-Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Addison Insurance Co., American Indemnity Co., Lafayette Insurance Co., Texas General Insurance Co., United Fire & Casualty Co., United Fire & Casualty Group, United Fire & Indemnity Co., United Fire Lloyds, United Life Insurance Co.).


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(57)   Tennessee Farmers: An Unsatisfactory To Bad Record. Small Insurer Group.   ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own 'Greatest' Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Tennessee Farmers Assurance Co., Tennessee Farmers Life Insurance Co., Tennessee Farmers Life Reassur., Tennessee Farmers Mutual Insurance Co.).


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(58)   Federated Mutual: Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Federated Life Insurance Co., Federated Mutual Group, Federated Mutual Insurance Co., Federated Service Insurance Co.).


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(59)   California State Auto: An Unsatisfactory To Bad Record. Small-Midsize Insurer Group.   ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own 'Greatest' Risk When You Need To Make A Claim.  (Member Companies Of Group Include: ACA Insurance Co., California State Auto Association Inter-Ins., California State Automobile Association., Pacific Beacon Life Reassurance Inc., Western United Insurance Co.).


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(60)   Oregon Mutual: Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Oregon Mutual Insurance Co., Western Protectors Insurance Co.).


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(61)   Shelter: An Unsatisfactory To Bad Record. Small-Midsize Insurer Group.   ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own 'Greatest' Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Shelter General Insurance Co., Shelter Life Insurance Co., Shelter Mutual Insurance Co., Shelter Reinsurance Co.).


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(62)   Selective: Questionable Satisfactory Record. Small-Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Selective Insurance Co. Of America, Selective Insurance Co. Of New England, Selective Insurance Co. Of New York, Selective Insurance Co. Of South Carolina, Selective Insurance Co. Of The Southeast, Selective Way Insurance Co.).


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(63)   Cincinnati Companies (fmrly Cincinnati Companies): An Unsatisfactory To Bad Record. Small-Midsize Insurer Group.   ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own 'Greatest' Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Cincinnati Casualty Co., Cincinnati Insurance Co., Cincinnati Life Insurance Co., The Cincinnati Indemnity Co.).


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(64)   Coventry Health Group: Satisfactory Record. Larger-Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Altius Health Plans Inc, Carelink Health Plans Inc, CHC Casualty RRG, Coventry Health & Life Insurance Co, Coventry Health Care Of California Inc, Coventry Health Care Of Georgia Inc, Coventry Health Care Of Kansas Inc, Coventry Health Care Of Nebraska Inc, Coventry Health Care Of Oregon Inc, Coventry Health Care Of Pennsylvania Inc, Group Health Plan Inc, Health America Pennsylvania Inc, Health Assurance Pennsylvania Inc, Healthcare Usa Of Missouri LLC, Omnicare Health Plan Inc, Personalcare Insurance Of Illinois Inc, Southern Health Services Inc, Wellpath Select Inc.).


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(65)   Ohio Casualty: An Unsatisfactory Record. Small-Midsize Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies Of Group Include: American Fire & Casualty Co., Avomark Insurance Co., Ohio Casualty Insurance Co., Ohio Casualty Of New Jersey Inc., Ohio Security Insurance Co., West American Insurance Co.).


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(66)   Mass Mutual Life Insurance Group: Satisfactory Record. Midsize Insurer Group. Is It Okay To Buy From This Recently Downgraded Good Faith Rated Insurer Is Questionable At This Time: Be Aware That This Group And Companies Has Some More Than Usual Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: CM Assurance Co., CM Benefit Insurance Co., CM Life Insurance Co., Massachusetts Mutual Life Insurance Co., MML Bay State Life Insurance Co.).


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(67)   Sentry: An Unsatisfactory Record. Midsize Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Dairyland County Mutual Insurance Co. Of Texas, Dairyland Insurance Co., Middlesex Insurance Co., Parker Centennial Assurance Co., Patriot General Insurance Co., Sentry Casualty Co., Sentry Insurance A Mutual Co., Sentry Life Insurance Co., Sentry Life Insurance Co Of New York, Sentry Lloyds Of Texas, Sentry Select Insurance Co.).


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(68)   ACE USA: UnSatisfactory Record / ACE Reinsurance: Very Bad Record. Large Insurer Group. Is It Okay To Buy From This Downgraded Bad Faith Insurer Status From Previously Good Faith Rated Insurer: Be Aware That This Group And Companies Have Many More Recent Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: ACE American Insurance Co., ACE American Lloyds Insurance Co., ACE American Reinsurance Co., ACE Capital Title Reinsurance Co., ACE Employers Insurance Co., ACE Fire Underwriters Insurance Co., ACE Indemnity Insurance Co., ACE Insurance Co., ACE Insurance Co. Of Illinois, ACE Insurance Co. Of Ohio, ACE Insurance Co. Of Texas, ACE Insurance Co. Of The Midwest, ACE Property & Casualty Insurance Co., Allied Insurance Co., Assured Guaranty Corp, Assured Guaranty Mortgage Insurance Co., Assured Value Insurance Co., Atlantic Employers Insurance Co., Bankers Standard Fire & Marine Co., Bankers Standard Insurance Co., Century Indemnity Co., Century Reinsurance Co., Illinois Union Insurance Co., INA Surplus Insurance Co., Indemnity Insurance Co Of North America, Industrial Underwriters Insurance Co., Insurance Co Of North America, Pacific Employers Insurance Co., Westchester Fire Insurance Co.).


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(69)   Kaiser Permanente: A Satisfactory Record. Larger Midsize Insurer Group.   ... Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It.  (Member Companies Of Group Include: Community Health Plan, Kaiser Foundation Health Plan Co., Kaiser Foundation Health Plan Georgia Inc., Kaiser Foundation Health Plan Inc., Kaiser Foundation Health Plan KC, Kaiser Foundation Health Plan Mid Atlantic, Kaiser Foundation Health Plan NC, Kaiser Foundation Health Plan Northwest, Kaiser Foundation Health Plan Ohio, Kaiser Permanente Health Alternatives, Kaiser Permanente Insurance Co.).


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(70)   Kentucky Farm Bureau: Questionable Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: FB Insurance Co., Kentucky Farm Bureau Mutual Insurance Co.).


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(71)   Grange Insurance: An Unsatisfactory Record. Small Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Grange Insurance Association, Rocky Mountain Fire & Casualty Co.).


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(72)   EMC: Questionable Satisfactory Record. Small-Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Dakota Fire Insurance Co., EMC Property & Casualty Insurance Co., EMC Reinsurance Co., Emcasco Insurance Co., Employers Mutual Casualty Co., Employers Mutual Co Of Des Moines, Farm & City Insurance Co., Hamilton Mutual Insurance Co., Illinois Emcasco Insurance Co., Union Insurance Co. Of Providence.).


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(73)   Markel: An Unsatisfactory Record. Small-Midsize Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Associated International Insurance Co., Deerfield Insurance Co., Essex Insurance Co., Essex Insurance Group., Evanston Insurance Co., Markel American Insurance Co., Markel Insurance Co.).


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(74)   Lititz: Questionable Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Farmers & Mechanics Mutual Insurance Co., Lititz Mutual Insurance Co., Livingston Mutual Insurance Co., Penn Charter Mutual Insurance Co.).


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(75)   Harleysville: An Unsatisfactory Record. Midsize Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Harleysville Insurance Co., Harleysville Insurance Co. Of New Jersey, Harleysville Insurance Co. Of New York, Harleysville Insurance Co. Of Ohio, Harleysville Lake States Insurance Co., Harleysville Life Insurance Co., Harleysville Mutual Insurance Co., Harleysville Pennland Insurance Co., Harleysville Preferred Insurance Co., Harleysville Worcester Insurance Co., Harleysville-Atlantic Insurance Co., Mainland Insurance Co., Mid America Insurance Co.). Nationwide Insurance announced its acquisition of Harleysville a/a September 30, 2011.


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(76)   Commerce: Questionable Satisfactory Record. Small-Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: American Commerce Insurance Co., Citation Insurance Co., Commerce Group Inc., Commerce Insurance Co., Commerce West Insurance Co.).


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(77)   Southern Farm Bureau: Questionable Satisfactory Record. Small-Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It.  (Member Companies Of Group Include: Farm Bureau County Mutual Insurance Co. Of Texas, Florida Farm Bureau Casualty Insurance Co., Florida Farm Bureau General Insurance Co., Louisiana Farm Bureau Casualty Insurance Co., Mississippi Farm Bureau Casualty Insurance Co., Southern Farm Bureau Casualty Insurance Co., Southern Farm Bureau Property.).


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(78)   New York Life Group: Satisfactory Record. Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Great Plains Reinsurance Co Inc., New York Life Insurance & Annuity Corp., New York Life Insurance Co.).


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(79)   Allmerica Financial: An Unsatisfactory Record. Midsize Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Allmerica Financial Alliance Insurance Co., Allmerica Financial Benefit Insurance Co., Allmerica Financial Life & Annuity, Citizens Insurance Co. Of America, Citizens Insurance Co. Of Illinois, Citizens Insurance Co. Of Ohio, Citizens Insurance Co. Of The Midwest, First Allmerica Financial Life Insurance Co., Hanover American Insurance Co., Hanover Insurance Co., Hanover Insurance Co. Group, Hanover Lloyds Insurance Co., Hanover New Jersey Insurance Co., Massachusetts Bay Insurance Co.).


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(80)   Philadelphia: Questionable Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Philadelphia Untied Fire Insurance Co., Philadelphia United Life Insurance Co.).


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(81)   Pennsylvania National: An Unsatisfactory Record. Small Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Founders Insurance Co., Penn National Security Insurance Co., Pennsylvania National Mutual Casualty Insurance Co.).


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(82)   Mutual of Enumclaw: Questionable Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Enumclaw Property & Casualty Insurance Co., Mutual Of Enumclaw Insurance Co.).


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(83)   National Grange Mutual: An Unsatisfactory Record. Small Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Main Street American Assurance Co., National Grange Mutual Insurance Co., Old Dominion Insurance Co.).


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(84)   Greater New York: Questionable Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Greater New York Mutual Insurance Co., Insurance Co Of Greater New York, Strathmore Insurance Co.).


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(85)   Balboa: An Unsatisfactory Record. Small Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Balboa Insurance Co., Balboa Life Insurance Co., Balboa Life Insurance Co. Of New York, Balboa Lloyds Insurance Co., Meritplan Insurance Co., Newport Insurance Co.).


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(86)   Franklin Mutual: Questionable Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Fidelity Mohawk Insurance Co., FMI Insurance Co., Franklin Mutual Insurance Co.).


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(87)   Interins Exch. Auto Club: Unsatisfactory Record. Midsize Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised As Reported That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own "Greatest" Risk When You Need To Make A Claim.  (Member Companies Of Group Include: AAA Texas County Mutual Insurance Co., Auto Club Casualty Co., Auto Club Indemnity Co., Automobile Club Of Southern California Ins., Interinsurance Exchange Of The Auto Club.).


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(88)   Bristol West: An Unsatisfactory Record. Small-Midsize Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Bristol West Casualty Insurance Co., Bristol West Insurance Co., Bristol West Insurance Group, Coast National Insurance Co., Security National Insurance Co. (FL).


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(89)   Mutual Benefit: An Unsatisfactory Record. Small Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Mutual Benefit Insurance Co., Select Risk Insurance Co.).


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(90)   Country Companies: Questionable Satisfactory Record. Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Cotton States Life Insurance Co., Cotton States Mutual Insurance Co., Country Casualty Insurance Co., Country Investors Life Assurance Co., Country Life Insurance Co., Country Mutual Insurance Co., Country Mutual Of Illinois Group, Country Preferred Insurance Co., Holyoke Mutual Insurance Co. In Salem, Middlesex Mutual Assurance Co., Modern Service Insurance Co., MSI Preferred Insurance Co., Mutual Service Casualty Insurance Co., Mutual Service Life Insurance Co., Shield Insurance Co.).


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(91)   Guideone: An Unsatisfactory Record. Small-Midsize Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Guideone America Insurance Co., Guideone Elite Insurance Co., Guideone Lloyds Insurance Co., Guideone Mutual Insurance Co., Guideone Property & Casualty Insurance Co., Guideone Specialty Mutual Insurance Co.).


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(92)   Concord: Questionable Satisfactory Record. Small-Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Compsource Oklahoma, Concord General Mutual Insurance Co., Green Mountain Insurance Co Inc., Peoples Service Insurance Co., State Mutual Insurance Co., Sunapee Mutual Fire Insurance Co., Vermont Accident Insurance Co. Inc.).


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(93)   California Casualty: An Unsatisfactory Record. Small Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies Of Group Include: California Casualty & Fire Insurance Co., California Casualty Compensation Insurance Co., California Casualty General Insurance Co. Of Oregon, California Casualty Indemnity Exchange, California Casualty Insurance Co.).


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(94)   Georgia Farm Bureau: Questionable Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Georgia Farm Bureau Casualty Insurance Co., Georgia Farm Bureau Mutual Insurance Co.).


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(95)   Central Companies (OH): An Unsatisfactory Record. Small Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies Of Group Include: All American Insurance Co., Central Mutual Insurance Co., Central Mutual Of Ohio Group, CMI Lloyds.).


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(96)   Alfa: Questionable Satisfactory Record. Small Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Alfa General Insurance Corp., Alfa Insurance Corp., Alfa Life Insurance Corp., Alfa Mutual Fire Insurance Co., Alfa Mutual General Insurance Co., Alfa Mutual Insurance Co., Alfa Specialty Insurance Corp., Alfa Vision Insurance Corp., Virginia Mutual Insurance Co.).


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(97)   Penn America: An Unsatisfactory Record. Small Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Penn Patriot Insurance Co., Penn-American Insurance Co., Penn-Star Insurance Co.).


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(98)   RLI: Questionable Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Mt Hawley Insurance Co., RLI Indemnity Co., RLI Insurance Co.).


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(99)   Penn Miller: An Unsatisfactory Record. Small Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies Of Group Include: American Millers Insurance Co., Penn Millers Insurance Co.).


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(100)   Amerisure: Questionable Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Amerisure Insurance Co., Amerisure Mutual Insurance Co., Amerisure Partners Insurance Co.).


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(101)   United National: Questionable Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Diamond State Insurance Co., United National Casualty Insurance Co., United National Insurance Co., United National Specialty Insurance Co.).


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(102)   Michigan Farm Bureau: Questionable Satisfactory Record. Small Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies Of Group Include: Farm Bureau General Insurance Co. Of Michigan, Farm Bureau Life Insurance Co. Of Michigan, Farm Bureau Mutual Insurance Co. Of Michigan.).


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(103)   Horace Mann: Questionable Satisfactory Record. Small-Midsize Insurer Group. Is It Okay To Buy From This Good Faith Rated Insurer: Be Aware That This Group And Companies Has Some Bad Faith Claims And Consumer Complaints Alleged Against It. (Member Companies include: Homesteaders Life Co., Allegiance Mutual Insurance Co., Educators Life Insurance Co. Of America Horace Mann Insurance Co., Horace Mann Life Insurance Co., Horace Mann Lloyds, Horace Mann Property & Casualty Insurance Co., Teachers Insurance Co.).


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(104)   Blue Cross Blue Shield Healthcare Groups: Large Insurer Group. An Unsatisfactory Record.  ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim. Be Aware That This Group And Companies Has Many Bad Faith Claims And Consumer Complaints Alleged Against It. [Member Companies include: Arkansas Blue Cross Blue Shield Group (Incl. Arkansas Blue Cross Blue Shield, Hmo Partners Inc., Usable Life); Blue Cross Blue Shield Of Alabama Group (Incl. Blue Cross Blue Shield Of Al, Health Maintenance Group Birmingham, United Trust Insurance Co); Blue Cross Blue Shield Of Arizona Inc; Blue Cross Blue Shield Of Florida Group (Incl. Blue Cross Blue Shield Of Florida, Capital Health Plan Inc, Comp Options Insurance Co Inc, Florida Combined Life Insurance Co Inc, Health Options Inc); Blue Cross Blue Shield Of Kansas City Group (Incl. Blue Cross Blue Shield Of Kansas City, Good Health Hmo Inc, Missouri Valley Life And Health Ins); Blue Cross Blue Shield Of Kansas Group (Incl. Advance Insurance Co, Advance Insurance Co Of Kansas, Blue Cross Blue Shield Of Kansas Inc, Premier Health Inc); Blue Cross Blue Shield Of Massachusetts Group (Incl. Blue Cross Blue Shield Of Massachusetts Hmo Blue Inc), Blue Cross Blue Shield Of Michigan Group (Incl. Accident Fund Insurance Co Of America, Blue Care Michigan Inc, Blue Care Network Of Michigan, Blue Cross Blue Shield Of Michigan); Blue Cross Blue Shield Of Minnesota (Incl. Atrium Health Plan Inc, Bcbsm Inc, First Plan Of Minnesota, Hmo Dba Blue Plus, Mii Life Inc); Blue Cross Blue Shield Of Montana Group (Incl. Blue Cross Blue Shield Of Mt, Combined Benefits Insurance Co); Blue Cross Blue Shield Of Nebraska Blue Cross Blue Shield Of New Jersey Group (Incl. Horizon Healthcare Insurance Co Of Delaware, Horizon Healthcare Insurance Co Of New York, Horizon Healthcare Insurance Co Of Pennsylvania, Horizon Healthcare Of Delaware Inc, Horizon Healthcare Of New Jersey Inc, Horizon Healthcare Of New York Inc, Horizon Healthcare Of Pennsylvania Inc, Horizon Healthcare Services Inc), Blue Cross Blue Shield Of North Carolina Group (Incl. Blue Cross Blue Shield Of North Carolina Inc, Partners National Health Plans North Carolina Inc, Personal Care Plan Of North Carolina Inc); Blue Cross Blue Shield Of Rhode Island Group (Incl. Blue Cross Blue Shield Of Rhode Island, Coordinated Health Partners Inc); Blue Cross Blue Shield Of Tennessee Group (Incl. Blue Cross Blue Shield Of Tennessee Inc, Golden Security Life Insurance Co); Blue Cross Of Idaho Health Service Inc, Blue Shield Of California Group (Incl. Blue Shield Of California Life & Health Insurance Co, Careamerica Life Insurance Co); Capital Blue Cross Group (Incl. Avalon Health Ltd, Capital Advantage Insurance Co, Capital Blue Cross, Keystone Health Plan Central Inc); Companion Life Insurance Company (Incl. Blue Cross Blue Shield Of Sc Inc, Companion Captive Insurance Co, Companion Commercial Insurance Co, Companion Healthcare Corp, Companion Life Insurance Co, Companion Property & Casualty Insurance Co, Instil Health Insurance Co); Hcsc Group (Incl. Blue Cross Of Illinois Inc, Colorado Bankers Life Insurance Co, Fort Dearborn Life Insurance Co, Hcsc Insurance Services Co, Health Care Svc Corp A Mutual Leg Res, Hmo New Mexico Inc, Third Coast Insurance Co, Trailblazer Insurance Co); Highmark Inc (Incl. Davis Vision Of Michigan Inc, Gateway Health Plan Inc, Healthguard Of Lancaster Inc, Highmark Casualty Insurance Co, Highmark Inc, Highmark Life Insurance Co, Highmark Life Insurance Co Of New York, Keystone Health Plan W Inc, Mountain State Blue Cross, Blue Shield Inc, United Concordia Companies Inc, United Concordia Dental Corp Al, United Concordia Dental Plan Pennsylvania Inc, United Concordia Dental Plans, United Concordia Dental Plans California Inc, United Concordia Dental Plans Delaware Inc, United Concordia Dental Plans Of Arizona, United Concordia Dental Plans Of Florida Inc, United Concordia Dental Plans Of Illinois Inc, United Concordia Dental Plans Of Ky, United Concordia Dental Plans Of Michigan, United Concordia Dental Plans Texas Inc, United Concordia Insurance Co, United Concordia Insurance Co Of New York, United Concordia Life & Health Insurance Co); Independence Blue Cross (Incl. Amerihealth Casualty Insurance Co, Amerihealth Hmo Inc, Amerihealth Insurance Co Of New Jersey, Healthcare Delaware Inc, Independence Blue Cross, Independence Insurance Inc, Inter County Hospitalization Plan Inc, Inter-County Health Plan Inc, Keystone Health Plan E Inc, Qcc Insurance Co, Vista Health Plan Inc); Mississippi Insurance Group (Incl. Blue Cross Blue Shield Of Mississippi Mutual Insurance Co, Bluebonnet Life Insurance Co, Hmo Of Mississippi Inc); Premera Blue Cross Group (Incl. Lifewise Assurance Co, Lifewise Health Plan Of Arizona Inc, Lifewise Health Plan Of Oregon, Lifewise Health Plan Of Washington, Premera Blue Cross, Premera Blue Cross Blue Shield Of Alaska Corp); Regence Group (Incl. Asuris Northwest Health, Commencement Bay Life Insurance Co, Health Masters Of Oregon Inc, Healthwise, Preferred Health Northwest Inc, Regence Blue Cross Blue Shield Of Utah, Regence Blue Cross Blue Shield Oregon, Regence Blue Shield, Regence Blue Shield Of Idaho Inc, Regence Health Maintenance Oregon Inc, Regence Hmo Oregon, Regence Life & Health Insurance Co, Regencecare); Wellpoint Inc Group (Incl. Anthem Health Plans Inc, Anthem Health Plans Of Kentucky Inc, Anthem Health Plans Of Maine Inc, Anthem Health Plans Of New Hampshire, Anthem Health Plans Of Virginia Inc, Anthem Insurance Co Inc, Anthem Life Insurance Co, Anthem Life Insurance Companies Inc, Bc Life & Health Insurance Co, Blue Cross Blue Shield Healthcare Plan Of Georgia Inc, Blue Cross Blue Shield Of Georgia Inc, Blue Cross Blue Shield Of Wi, Community Insurance Co, Compcare Health Services Insurance Corp, Greater Georgia Life Insurance Co, Healthkeepers Inc, Healthlink Hmo Inc, Healthy Alliance Life Insurance Co, Hmo Colorado Inc, Hmo Missouri Inc, Matthew Thorton Health Plan Inc, Onenation Insurance Co, Peninsula Health Care Inc, Priority Healthcare Inc, Rightchoice Insurance Co, Rocky Mountain Hospital & Medical, Trigon Health And Life Insurance Co, Unicare Health Insurance Co Of Texas, Unicare Health Insurance Co Of The Midwest, Unicare Health Plan Of Oklahoma Inc, Unicare Health Plan Of Virginia Inc, Unicare Health Plan Of West Virginia Inc, Unicare Health Plans Of Texas Inc, Unicare Health Plans Of The Midwest, Unicare Life & Health Insurance Co, United Heartland Life Insurance Co, United Wisconsin Insurance Co, Valley Health Plan Inc);].


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(105)   Torchmark: An Unsatisfactory Record. Small Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Greatest Risk When You Need To Make A Claim.  (Member Companies Of Group Include: Torchmark Corp., Torchmark Holding Company).


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(106)   Health Net: An Unsatisfactory Record. Large Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Questionable ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Risk When You Need To Make A Claim.   (Member Companies Of Group Include: Health Net Health Plan of Oregon, Inc., Health Net Life Insurance Co., Health Net of Arizona Inc., Health Net of California Inc., Managed Health Network, Health Net Insurance of New York, Health Net Life Insurance Co., Health Net of Connecticut, Inc., Health Net of New Jersey Inc., Health Net of New York Inc., Health Net of the Northeast Inc., Health Network Providers Mutual Insurance Co. RRG).


(107)   Lloyds: A Very Unsatisfactory Record. Large Insurer Group.   ... Is It Okay To Buy From This Bad Faith Rated Insurer: Whether To Buy Insurance From This Bad Faith Insurer Is Highly Doubtful ... Be Advised That When You Buy Insurance From This Bad Faith Insurer, You Do So At Your Own Risk When You Need To Make A Claim.   (Member Companies Of Group Include Followed By Parentheses Indicating State Of Domicile Are: ASI Lloyds (TX), Allstate TX Lloyds (TX), America First Lloyds Ins Co (TX), American Lloyds (LA), American Mercury Lloyds Ins Co (TX), American Modern Lloyds Ins Co (TX), American National Lloyds Ins Co (TX), American Standard Lloyds Ins Co (TX), Amica Lloyds Of TX (TX), Amtrust Lloyds Ins Co of TX (TX), Apex Lloyds Ins Co (TX), Austin Indemnity Lloyds Ins Co (TX), Beacon Lloyds Ins Co (TX), CMI Lloyds (TX), Chubb Lloyds Ins Co Of TX (TX), Colonial Lloyds (LA), Colonial Lloyds (LA), Columbia Lloyds Ins Co, Consolidated Lloyds, Cypress TX Lloyds, Delta Lloyds Ins Co Of Houston, Dexter Lloyds Ins Co, Dixie Lloyds (LA), Empire Lloyds Ins Co, Employers Of TX Lloyds (TX), Foremost Lloyds Of TX (TX), Great American Lloyds Ins Co (TX), Guideone Lloyds Ins Co (TX), Hanover Lloyds Ins Co (TX), Hartford Lloyds Ins Co (TX), Homesite Lloyds of TX (TX), Horace Mann Lloyds (TX), Imperial Lloyds (LA), Indemnity Underwriters Lloyds (TX), Insurors Indemnity Lloyds (TX), International Lloyds Ins Co (TX), Liberty Lloyds (LA), Liberty Lloyds Of TX Ins Co (TX), Lloyds Assurance Of LA (LA), Metropolitan Lloyds Ins Co TX (TX), National Lloyds Ins Co (TX), Nationwide Lloyds (TX), Old Republic Lloyds Of TX (TX), Producers Lloyds Ins Co (TX), Reliable LLoyds Ins Co (TX), Republic Lloyds (TX), Safeco Lloyds Ins Co (TX), Sentry Lloyds Of TX (TX), Service Lloyds Ins Co (TX), Service Lloyds Ins Co (TX), Service Lloyds Ins Co (TX), Southland Lloyds Ins Co (TX), State Farm Lloyds (TX), Stonington Lloyds Ins Co (TX), Texas Select Lloyds Ins Co (TX), Travelers Lloyds Ins Co (TX), US Lloyds Ins Co (TX), USAA TX Lloyds Co (TX), Underwriters At Lloyds (KY), Underwriters At Lloyds London (IL), Underwriters Lloyds Ins Co (TX), Union Standard Lloyds (TX), United Fire LLoyds (TX), Union Standard Lloyds (TX), United Fire LLoyds (TX), United States Lloyds Ins Co (LA), Utica Lloyds Of TX (TX), Western Lloyds Ins Co (TX).


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*   FBIC Ranking System Research Sources.  To determine FBIC Good Faith and Bad Faith Rankings, FBIC utilizes each of the states DOI (Department Of Insurance) complaint ratios and/or rankings as available as a beginning in a lengthy process. DOI complaint ratios and complaint rankings alone have very little or nothing to do with "bad faith insurance" or insurance company breach of contract. If anything, DOI complaint ratios, rankings and/or indexes are misleading to the public, near completely useless and have no bad faith insurance or breach of contract validity for reasons which are addressed herein. FBIC merely utilizes state DOI complaint ratios as available as a beginning and initial first step representing one of a many steps process and extensive work involved in its methodology in determination of FBIC's Good Faith and Bad Faith ranking system. FBIC collects, uses and works with real data, records and information, some of which is of public record and some of which is exclusive and proprietary to its organization and collected from individuals and businesses through its website "www.badfaithinsurance.org" and other confidential and proprietary sources. Accordingly, in addition and in further determination of FBIC rankings, FBIC utilizes state and federal court records, the frequency, flagrancy and extreme nature of insurers bad faith actions, practices and complaints (i.e. reference the investigative expose videos available for viewing on this website to get an idea of some possible examples of bad faith practices) and statistical data from its own polling, surveying and online "Bad Faith Survey" complaints submitted by consumers and businesses against insurers. (Click here to submit a consumer complaint.)  Furthermore, FBIC utilizes bad faith related information pertinent to insurers as provided by plaintiff insurance attorneys, independent public adjusters, insurance agents, employee whistleblowers and additional other sources which collectively are all indicative of an insurance company's bad faith and breach of contract record, an insurer's unwillingness to pay or willingness not to pay and deny payment of claimants and policyholders claims. FBIC ranks U.S. Insurers, Insurance Company Groups and their Member Companies as available information permits at various and different periods of time. The FBIC Ranking List is subject to ongoing analysis, change, and regular updates.


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*   FBIC Ranking System Methodology.  FBIC rankings are based on extensive and various bad faith and breach of contract related research information and sources, and utilizes its own proprietary complaint ratio-ranking system methodology in determining its bad faith and good faith insurers rankings. In determining FBIC's published ranking list of Bad Faith and Good Faith Insurers, when research information indicates for insurer(s) that bad faith insurance practices are indicated or found to exist and/or a pattern or frequency of fraudulent practices exists, the FBIC system penalizes and automatically places such bad faith insurers to the higher end or top half of the bad faith insurer list upgrading the bad faith insurer's complaint ratio. Accordingly, FBIC also incorporates a weighted system to reflect the severity, flagrant and extreme nature of the insurer's bad faith actions and further adjusts the insurer's bad faith complaint ratio according to the fraudulent bad faith schemes and practices utilized by the insurer(s). FBIC then uses a comparative complaint ratio defined by a decimalized index system for the bad faith insurers which at this point are grouped at the top of the bad faith list maintaining its numeric decimalized complaint ratio which determines each insurer's ranking. When research information indicates for insurer(s) that few or no bad faith insurance practices are found to exist, accordingly such perceived good faith insurers are automatically awarded a bonus and conversely placed to the higher end of the top half of the good faith insurer list using the same complaint ratio system. FBIC then takes into consideration and applies the same process methodology according to the insurer's degree and lack of bad faith practices, actions and complaints against it and the insurer's degree of good faith and "utmost" good faith practices and uses the same comparative complaint ratio index system for those insurers grouped at the top half of the good faith list as those at the top of the bad faith list(s) to determine each of the insurers rankings. (Note: complaint ratios and indexes in general are determined by comparing the number of complaints received against an insurer for a specific line of insurance [i.e. auto, homeowner, life, health] relative to the total number of complaints received by all insurers for the same line of insurance ... and the insurers market-share using the dollar amount of premiums or amount of business written by an insurer to the total amount of premiums written by all insurers for the same line of insurance).  The decimalizations from the good and bad faith lists which use the same methodology and system, are merged into the good-faith & bad-faith ranking system. FBIC seeks to maintain objectivity in its Good Faith and Bad Faith Insurer rankings.


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*   FBIC Alert.  DOI complaint ratios and/or indexes by themselves have little or no validity or value to the consumer when used alone. FBIC finds DOI complaint ratio information to be misleading and seriously flawed and for this reason FBIC warns consumers against using state DOI complaint ratio information in selecting a good faith insurer until this all-important deceptive and serious flaw is corrected! The flaw in its most simplistic form is that DOIs in deriving their complaint ratios do not consider bad faith complaints and otherwise treat all other complaints equally. For example, they treat an administrative complaint i.e. not replying within 30 days the same as if they would a bad faith complaint i.e. willingly denying or not paying a claim. Obviously there is a big difference between a bad faith complaint against an insurer and an administrative compliance complaint ... somewhat analagous to saying that a driver receiving a ticket for a parking violation for not putting money in the meter is equal to a driver receiving a ticket for reckless driving, speeding and DUI violation. (For more information on this serious flaw, click here to go to the FBIC DOI Page.)

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