Credit Life Insurance and Credit Accident & Health Insurance … · 2018. 9. 4. · Credit Life Insurance and Credit Accident & Health Insurance Experience 2012 – 2016 . 2017

Credit Life Insurance and Credit Accident & Health

Insurance Experience 2012 – 2016

2017

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ISBN: 978-1-59917-980-3

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Credit Life Insurance and Credit Accident & Health Insurance Experience 2012–2016

TABLE OF CONTENTS

Introduction ......................................................................................................................................1

Report Format ..................................................................................................................................1

Qualifications ...................................................................................................................................3

Credit Life Insurance and Credit Accident & Health Insurance Experience – 2007–2016........................................................................................................................................4

Credit Life Insurance Experience Trends 2007–2016 .....................................................................5

Credit Life Insurance Experience Loss Ratios 2007–2016 ..............................................................6

Credit Accident & Health Insurance Experience Trends 2007–2016 ..............................................7

Credit Accident & Health Insurance Experience Loss Ratios 2007–2016 ......................................8

Credit Life Annual Incurred Claims Countrywide By Company ....................................................9

Credit Life Annual Incurred Claims By State Summary ...............................................................19

Credit Life Earned Premiums Countrywide By Company ............................................................25

Credit Life Earned Premiums By State Summary .........................................................................35

Credit Life Net Written Premiums Countrywide By Company.....................................................41

Credit Life Net Written Premiums By State Summary .................................................................51

Credit Accident & Health Annual Incurred Claims Countrywide By Company ...........................57

Credit Accident & Health Annual Incurred Claims By State Summary .......................................67

Credit Accident & Health Earned Premiums Countrywide By Company .....................................73

Credit Accident & Health Earned Premiums By State Summary ..................................................83

Credit Accident & Health Net Written Premiums Countrywide By Company .............................89

Credit Accident & Health Net Written Premiums By State Summary ..........................................99

Table 1 – Credit Insurance Regulatory Provisions ......................................................................105

Notes for Credit Insurance Regulatory Provisions ......................................................................113

© 2017 National Association of Insurance Commissioners

© 2017 National Association of Insurance Commissioners

INTRODUCTION

The Credit Life Insurance and Credit Accident & Health Insurance Experience Report for the years 2012–2016 were obtained from Part 1B—Credit Life Insurance and Part 2D—Credit Accident and Health Insurance of the Credit Insurance Experience Exhibit filed by insurers with the NAIC.

There are 136 companies listed in the Credit Life Reports, down from 140 companies last year. The number of companies reported in the Credit Accident & Health Reports this year decreased to 118 companies, from 129 companies last year. All companies reporting data in 2016, 2015, 2014, 2013, and 2012 were included. Immediately following this introduction, 10-year tables of countrywide totals from the 12 reports are summarized in the exhibit titled, “Credit Life Insurance and Credit Accident & Health Insurance Experience.”

Report Format

This publication consists of 12 reports:

Credit Life Credit Accident & Health

Annual Incurred Claims Annual Incurred Claims 1) Countrywide by Company 7) Countrywide by Company2) By State Summary 8) By State Summary

Earned Premiums Earned Premiums 3) Countrywide by Company 9) Countrywide by Company4) By State Summary 10) By State Summary

Net Written Premiums Net Written Premiums 5) Countrywide by Company 11) Countrywide by Company6) By State Summary 12) By State Summary

© 2017 National Association of Insurance Commissioners1

The Annual Incurred Claims Countrywide by Company reports list the companies in descending order of incurred claims. The Annual Incurred Claims by State reports list information by state in alphabetical order. The following information is provided:

• Three-Year and Five-Year Aggregated Loss Ratio

• Three-Year and Five-Year Aggregated Loss Ratio at Prima Facie Rates

• Annual Incurred Claims (2016, 2015, 2014, 2013, and 2012)

• Actual Calendar Year Loss Ratios (2016, 2015, 2014, 2013, and 2012)

• Calendar Year Loss Ratios at Prima Facie Rates (2016, 2015, 2014, 2013, and 2012)

Loss ratios are calculated by dividing incurred losses by earned premiums. Throughout the report, actual earned premiums were substituted for earned premiums at prima facie rates when the latter were reported as zero.

The Earned Premiums Countrywide by Company reports list all insurers by amount of earned premium and provide data that were used to compute the loss ratios contained in the Annual Incurred Claims Reports. The Earned Premiums by State reports list information by state in alphabetical order. The following data are provided:

• State of Domicile (Countrywide Report Only)

• Business Type: L=Life and P=Property/Casualty (Countrywide Report Only)

• Number of Companies Reporting “Net Written Premiums” for Credit Insurance

(2016, 2015, 2014, 2013, and 2012) (By State Report Only)

• Direct Earned Premiums (2016, 2015, 2014, 2013, and 2012)

• Earned Premium at Prima Facie Rates (2016, 2015, 2014, 2013, and 2012)

The Net Written Premiums Countrywide by Company reports list all insurers by amount of net premiums written. The Net Written Premiums by State reports list information by state in alphabetical order. The following data are provided:

• State of Domicile (Countrywide Report Only)

• Business Type: L=Life and P=Property/Casualty (Countrywide Report Only)

• Number of Companies Reporting “Net Written Premiums” for Credit Insurance

(2016, 2015, 2014, 2013, and 2012) (By State Report Only)

• Net Written Premiums (2016, 2015, 2014, 2013, and 2012)

• Net Written Premiums Annual Percentage Change (2016, 2015, 2014, 2013, and 2012)

• Percent of Total Net Written Premiums—Market Share (2016, 2015, 2014, 2013, and 2012)


Qualifications

The accuracy of the reports included in this publication depends on the accuracy of the information contained in the credit insurance exhibits filed by insurers. Even though the data elements used to prepare the reports are extracted from exhibits filed with the NAIC, the NAIC cannot verify or guarantee their accuracy.

While the NAIC exercises a great deal of care in capturing data from annual statements and producing various reports, as with any statistical project of a significant magnitude, errors can occur. Consequently, the NAIC makes no representations or warranties with respect to the accuracy of the data and statistics in this report.

Please send any question regarding this report to [email protected]. Links to this report or other NAIC reports can be found on the NAIC website at: NAIC Publications.


mailto:[email protected]

http://www.naic.org/prod_serv_publications.htm

Credit Life Insurance and Credit Accident & Health Insurance Experience2007–2016*

(Dollars in 000s)

Net Actual Direct LossWritten Premiums Earned Premiums Losses Incurred Ratio (%)

Credit Life2007 1,271,964 1,362,077 581,378 42.68%2008 1,098,749 1,221,449 553,557 45.32%2009 805,184 1,085,005 489,530 45.12%2010 772,980 934,046 444,941 47.64%2011 758,835 852,539 400,511 46.98%2012 756,054 799,020 365,302 45.72%2013 740,184 738,353 352,190 47.70%2014 738,758 726,912 345,629 47.55%2015 731,494 722,012 326,421 45.21%2016 671,891 705,806 312,087 44.22%

2007–2016 Avg. 767,420 844,141 385,946 45.72%

2007 1,401,333 1,502,235 552,750 36.80%2008 1,244,620 1,361,185 549,117 40.34%2009 939,827 1,209,115 525,333 43.45%2010 877,745 1,030,429 466,036 45.23%2011 870,026 940,793 393,146 41.79%2012 884,808 896,381 369,656 41.24%2013 892,141 870,143 319,516 36.72%2014 884,581 878,034 306,677 34.93%2015 851,112 865,776 292,953 33.84%2016 786,139 838,674 271,806 32.41%

2007–2016 Avg. 1,216,870 1,391,444 590,337 42.43%

Credit Accident & Health

Loss Ratio = Direct Losses Incurred ÷ Actual Earned Premium

* Results may vary from prior-year reports due to new or revised filings.


2007 - 2016Credit Life Insurance Experience Trend

1,272 1,099

805

773

759

756

740

739

731

672

0

500

1,000

1,500

2,000

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

Mil

lio

ns

Year

Net Written Premiums

1,362

1,221

1,085 934

853

799

738

727

722

706

0

500

1,000

1,500

2,000

2,500

3,000

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

Mil

lio

ns

Year

Actual Earned Premiums

581

554

490445

401

365

352

346

326

312

0

100

200

300

400

500

600

700

800

900

1,000

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

Mil

lio

ns

Year

Direct Losses Incurred


38

39

40

41

42

43

44

45

46

47

48

49

50

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

42.7

45.3 45.1

47.647.0

45.7

47.7 47.6

45.2

44.2

Perc

enta

ge

Year

Credit Life Insurance ExperienceLoss Ratios

2007 - 2016


2006 - 2016Credit A & H Insurance Experience Trend

1,401

1,245

940

878

870

885

892

885

851

786

500

1,000

1,500

2,000

2,500

3,000

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

Mil

lio

ns

Year

Net Written Premiums

1,502

1,361

1,209 1,030

941

896

870

878

866

839

500

1,000

1,500

2,000

2,500

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

Mil

lio

ns

Year

Actual Earned Premiums

553

549

525

466

393

370

320

307

293

272

200

400

600

800

1,000

1,200

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

Mil

lio

ns

Year

Direct Losses Incurred


30

33

36

39

42

45

48

51

54

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

36.8

40.3

43.545.2

41.841.2

36.734.9

33.8 32.4

Perc

enta

ge

Year

Credit A&H Insurance ExperienceLoss Ratios

2007 - 2016


CREDIT LIFE

ANNUAL INCURRED CLAIMS

COUNTRYWIDE BY COMPANY (1)



2016 CREDIT EXPERIENCE REPORTAnnual Incurred Claims (Losses)

CREDIT LIFECOUNTRYWIDE

5- yr Aggregate Loss Ratio 2016 - 2012

5-yr Aggr Loss Ratio

at Prima Facie Rates 2016 - 2012

3- yr Aggregate Loss Ratio2016 - 2014


at Prima Facie Rates2016 - 2014

Annual Incurred Claims (Losses) $

COMPANY NAMECOCODE 2016 2012201320142015

51.12 43.49 50.04 41.4062626 CMFG Life Ins Co 98,411,263 97,888,341 95,732,842 92,020,17696,632,597

54.55 51.53 54.84 51.9966168 Minnesota Life Ins Co 23,494,069 25,439,312 23,823,243 24,706,77728,301,577

54.30 57.77 52.88 56.5960518 American Hlth & Life Ins Co 26,838,325 30,415,741 29,493,958 30,852,16225,411,088

57.85 59.61 57.08 59.2265951 Merit Life Ins Co 21,480,127 18,665,171 15,708,936 13,152,77724,827,337

49.79 49.65 51.54 51.2097691 Life Of The South Ins Co 20,854,602 14,765,316 14,308,350 12,979,15024,420,974

30.32 32.65 29.42 31.9861751 Central States H & L Co Of Omaha 18,834,052 18,932,303 18,741,100 17,766,86419,062,664

26.05 26.09 26.95 26.7060739 American Natl Ins Co 6,264,161 7,216,529 7,392,484 6,485,5828,414,827

99.80 106.78 109.19 125.3493777 Pavonia Life Ins Co of MI 17,830,942 28,199,542 29,561,883 33,400,8107,776,277

44.08 42.83 42.74 41.2160275 American Bankers Life Assur Co Of FL 14,465,530 18,463,113 22,364,135 25,341,7887,562,443

31.95 32.09 33.06 33.2697152 Plateau Ins Co 6,205,493 4,687,331 3,789,297 3,047,3037,302,912

51.69 31.03 50.27 29.5979715 Cooperativa De Seguros De Vida 5,392,207 5,017,812 5,164,233 6,251,5285,623,592

41.61 40.21 41.70 36.3086231 Transamerica Life Ins Co 10,755,541 10,729,919 10,329,069 10,846,0345,220,448

28.02 30.19 25.43 27.7468136 Protective Life Ins Co 3,824,667 4,432,194 4,485,522 7,493,8224,128,191

26.22 26.45 25.49 25.4973156 Caribbean Amer Life Assur Co 3,615,387 3,507,739 4,194,831 4,142,4464,057,166

24.91 24.91 26.66 26.6661298 Bankers Life Of LA 2,855,336 2,542,853 2,526,465 1,779,1043,718,459

41.74 41.74 42.32 42.3298736 American Federated Life Ins Co 3,096,717 2,502,377 2,890,011 2,509,5113,534,847

31.78 31.65 31.44 31.3367628 Pekin Life Ins Co 2,490,820 2,402,812 2,389,966 1,600,5543,222,211

37.39 32.08 37.39 32.0810952 Transamerica Cas Ins Co 0 0 0 03,208,939

73.38 71.32 74.60 72.8065811 American Modern Life Ins Co 7,954,663 7,430,206 8,503,505 11,476,2782,691,796

38.51 32.83 35.33 29.9366281 Transamerica Premier Life Ins Co 3,054,666 3,518,893 3,435,923 4,514,4072,369,829

50.48 50.48 53.07 53.0760242 Southern Financial Life Ins Co 1,858,566 1,962,441 1,975,667 1,495,7992,109,104

55.27 43.61 56.43 39.4470688 Transamerica Financial Life Ins Co 2,261,500 2,418,127 2,718,962 2,172,5612,019,181

32.63 35.84 33.33 35.9099538 SWBC Life Ins Co 440,372 237,865 161,688 177,0161,730,289

87.55 88.75 123.95 128.6460488 American Gen Life Ins Co 2,382,539 5,172,498 4,155,628 5,708,6591,500,039

55.84 52.97 59.39 55.9993742 Securian Life Ins Co 2,026,111 2,809,408 798,887 336,1401,398,743

37.03 40.14 46.68 50.8871455 Financial Amer Life Ins Co 2,636,934 2,986,052 4,129,698 3,998,4901,397,659

27.32 29.68 25.81 27.8976007 Old United Life Ins Co 1,183,056 1,292,012 1,445,134 1,344,2681,377,449

48.47 48.38 50.14 50.0460836 American Republic Ins Co 1,197,649 1,743,351 1,775,375 3,108,1891,297,436

39.83 39.87 43.51 43.6881779 Individual Assur Co Life Hlth & Acc 1,418,931 2,893,483 2,946,807 2,957,4111,108,464

26.56 26.56 28.37 28.3764904 Investors Heritage Life Ins Co 1,326,010 864,540 1,035,086 1,044,272915,136

21.76 21.76 21.71 21.7160041 UNIVERSAL LIFE INS CO 741,151 1,205,224 1,391,083 1,230,670897,509

21.84 21.84 19.32 19.3270548 Wichita Natl Life Ins Co 895,193 739,514 1,073,778 1,128,710762,689

293.20 321.47 66.99 71.1679340 Pavonia Life Ins Co NY 974,364 1,404,145 1,013,204 2,445,527753,841

58.34 58.34 61.82 61.8265480 Old Spartan Life Ins Co Inc 694,083 732,216 891,573 647,735719,486

23.13 23.13 24.72 24.7280020 Mountain Life Ins Co 631,942 536,329 776,857 691,119582,050

37.03 37.03 32.44 32.4464211 Guarantee Trust Life Ins Co 1,238,689 1,311,468 2,890,818 2,859,101577,636












32.61 40.52 40.17 49.5785677 Life Assur Co Inc 492,037 1,001,027 650,164 346,211570,432

20.24 18.92 16.55 14.2477054 MAPFRE Life Ins Co of PR 894,601 836,740 856,753 1,183,527526,898

25.37 20.34 24.01 19.7877976 Gulf Guar Life Ins Co 716,937 752,553 1,086,971 696,402477,006

39.90 39.90 29.74 29.7474365 Southern Pioneer Life Ins Co 583,119 879,705 2,038,359 1,701,707458,354

29.75 29.75 38.67 38.6793650 Versant Life Ins Co 130,541 181,230 -3,525 114,119426,214

24.30 24.18 59.68 59.5460534 American Heritage Life Ins Co 832,868 1,402,360 1,602,793 2,840,042405,287

12.63 12.63 17.73 17.7372087 Multinational Life Ins Co 245,294 201,978 246,458 139,374319,484

28.66 28.66 28.53 28.5377690 Trans City Life Ins Co 427,824 652,325 447,293 362,901292,353

36.88 36.88 35.92 35.9274233 First Natl Life Ins Co Of USA 305,209 201,723 304,596 405,280292,011

12.10 12.10 13.03 13.0386118 Arkansas Bankers Life Ins Co 28,250 252,824 88,355 162,613248,398

23.23 23.23 23.19 23.1960244 Kentucky Home Life Ins Co 293,111 286,205 299,029 439,534212,650

127.97 122.71 101.88 100.9770106 United States Life Ins Co in the Cit 812,042 520,745 1,097,341 1,942,452168,672

57.68 57.68 56.57 56.5762650 Delta Life Ins Co 121,198 150,255 140,712 168,740153,705

235.90 235.90 205.66 205.6660246 Netcare Life & Hlth Ins Co 47,130 135,941 77,370 116,523146,019

127.25 130.93 29.70 29.9093521 General Fidelity Life Ins Co -121,799 134,292 1,351,248 270,981124,464

12.33 14.02 20.60 NR92274 Landcar Life Ins Co 213,821 124,303 278,583 285,601122,741

79.81 78.41 72.41 72.2262383 Centurion Life Ins Co 239,915 118,645 1,073,872 1,076,109114,862

90.34 73.34 30.63 21.2081477 Union Security Life Ins Co of NY 273,227 124,655 790,582 1,915,314113,650

35.71 32.91 30.69 26.4488536 Protective Life & Annuity Ins Co 58,193 104,723 195,653 136,954112,330

31.83 30.89 38.84 37.6375094 Life Ins Co Of LA 46,490 161,002 58,358 125,55676,086

100.36 109.09 128.19 133.3460895 American United Life Ins Co 196,527 402,976 725,384 426,69767,934

21.25 20.95 21.25 20.9513762 American Natl Lif Ins Co of NY 0 0 0 042,465

126.65 97.13 226.69 173.6362553 Country Life Ins Co 2,195 15,616 1,224 041,507

8.05 8.05 8.81 8.8171463 CICA Life Ins Co of Amer 26,452 42,379 24,477 28,14840,136

9.71 9.71 8.38 8.3871323 Zale Life Ins Co 107,129 97,975 102,075 128,65236,284

121.96 122.00 191.08 191.0865757 Shelter Life Ins Co 15,773 38,309 62,105 141,46132,404

31.52 19.56 32.38 21.5171870 Fidelity Security Life Ins Co 35,961 20,684 52,026 17,7022,202

1.91 1.91 1.91 1.9192649 American Underwriters Life Ins Co 0 0 0 01,699

29.20 21.05 29.20 21.0562235 Unum Life Ins Co Of Amer 4,716 0 0 0358

NR NR NR NR60054 Aetna Life Ins Co 500 0 0 1,0000

20.45 12.47 67.23 36.7479049 Alfa Life Ins Corp 14,707 0 0 -7190

NR NR NR NR60186 Allstate Life Ins Co -405,847 0 0 00

NR NR NR NR68373 American Gen Assur Co 0 0 0 00

NR NR NR NR66842 American Gen Life Ins Co of DE 0 0 0 00

NR NR NR NR71439 Assurity Life Ins Co 0 0 0 00

0.00 0.00 0.00 0.0015940 Assurity Life Ins Co of NY 0 0 0 00












71.93 71.93 NR NR68160 Balboa Life Ins Co 0 0 100,466 00

NR NR NR NR10097 Balboa Life Ins Co Of NY 0 0 0 00

-62.88 -62.88 0.00 0.0061212 Baltimore Life Ins Co 0 0 0 -2,0040

-7.58 -7.57 NR NR81043 Bankers Life Ins Co 0 0 0 -380

0.00 0.00 0.00 0.0061476 Boston Mut Life Ins Co 0 0 0 00

45.37 45.37 NR NR61824 Cherokee Natl Life Ins Co 0 0 1,758,393 2,501,7920

NR NR NR NR61921 Citizens Security Life Ins Co 0 0 0 00

-4.12 -4.15 -3.70 -3.9288374 Commonwealth Dealers Life Ins Co 0 -2 -70 -4420

NR NR NR NR78301 Corvesta Life Ins Co 0 0 0 00

21.60 21.60 46.11 46.1162928 EMC Natl Life Co 0 1,499 0 00

33.68 33.68 94.68 94.6889087 Enterprise Life Ins Co 0 11,398 76,012 236,8320

10.90 10.90 NR NR94579 First Assur Life Of Amer 0 0 0 1,063,9590

37.02 37.02 24.40 24.4083992 Foundation Life Ins Co Of AR 122,174 0 184,897 226,8640

42.22 52.79 51.40 64.1165560 Life Protection Ins Co 8,402 56,521 59,966 48,4650

NR NR NR NR65676 Lincoln Natl Life Ins Co 0 0 0 -930

NR NR NR NR61018 Magna Ins Co 0 0 0 00

-4.44 -4.44 NR NR97055 Mega Life & Hlth Ins Co The 0 0 -635 -1,1530

-73.25 -73.25 NR NR65978 Metropolitan Life Ins Co 0 -130,032 -20,490 25,0500

39.41 39.41 26.88 26.8873989 Mililani Life Ins Co Ltd 22,532 31,586 0 27,1260

39.89 39.89 NR NR68349 North Amer Ins Co -97 -192 4,460 -5470

87.52 87.52 -1.27 -1.2767261 Old Republic Life Ins Co -16 -157 34,085 59,2220

-7.43 -10.06 0.00 0.0088080 Omaha Hlth Ins Co 0 0 -152 -1500

1,725.05 1,725.05 -0.11 -0.1176112 Oxford Life Ins Co 0 0 -5 14,5400

29.05 26.78 12.99 12.9993815 Pacific Century Life Ins Corp -15,000 54,142 57,507 37,6340

105.80 121.87 188.97 219.3289007 Pavonia Life Ins Co Of DE 0 250,456 168,344 135,3130

NR NR NR NR71803 Pemco Life Ins Co 0 0 0 00

36.57 36.57 NR NR76503 Port O Call Life Ins Co 0 27,237 22,243 00

122.75 88.50 137.92 99.4368195 Provident Life & Accident Ins Co 0 5,888 12,903 2,9890

20.66 21.06 NR NR61506 Resource Life Ins Co -10,739 24,851 61,755 172,3410

0.00 0.00 NR NR60445 Sagicor Life Ins Co 0 0 0 00

NR NR NR NR68772 Security Mut Life Ins Co Of NY 0 0 0 -5,0000

61.74 61.74 44.75 44.7599465 Servco Life Ins Co -406 36,420 241,014 661,1280

26.79 26.77 NR NR89958 Shelterpoint Ins Co 0 0 14,363 38,8650

12.11 12.11 34.27 34.2798868 Sheridan Life Ins Co 0 13,443 824 00

0.00 0.00 0.00 0.0069094 State Farm Life & Accident Asr Co 0 0 0 00

368.64 270.24 0.00 0.0069108 State Farm Life Ins Co 0 0 4,686 48,1210












34.00 26.78 28.76 20.9065021 Stonebridge Life Ins Co 0 179,636 232,291 662,9490

37.15 21.00 55.65 31.4570435 The Savings Bank Life Ins Co Of MA 6,624 26,634 -2,838 45,9680

51.52 51.52 -69.22 -69.2269523 Trans Oceanic Life Ins Co -4,490 1,186 -12,828 61,9990

1.86 1.86 NR NR61158 TRIPLE S BLUE 0 0 1,336 3,6530

208.64 208.64 -12.44 -12.4462596 Union Fidelity Life Ins Co -70 -798 49,212 76,3320

34.03 37.66 -523.56 -523.5669973 United Life Ins Co 0 -1,000 2,000 8,5740

-5.97 -5.97 NR NR63819 Unity Financial Life Ins Co 0 0 0 -430

-908.37 -920.30 NR NR70173 Universal Underwriters Life Ins Co 0 0 -91,558 23,5850

-23.10 -24.86 NR NR72613 USAA Direct Life Ins Co 0 0 0 -910

30.27 30.27 0.00 0.0068632 Vantis Life Ins Co 0 0 0 6,3350

0.00 0.00 0.00 0.0092053 Wateree Life Ins 0 0 0 00

-2,419.50 -2,391.77 -18,935.23 -18,918.9068241 Prudential Ins Co Of Amer -218,951 -314 868 13,930-5

0.00 0.00 -1.09 -1.0999724 LifeShield Natl Ins Co -14 -27 -30 82-11

-73.10 -73.10 -1.07 -1.0761492 Athene Annuity & Life Assur Co -14 -45 5,630 -19,871-12

1,819.69 1,306.19 -4.36 -3.1085090 Dearborn Natl Life Ins Co of NY -19 -19 -10,522 34,417-19

137.33 144.63 420.91 496.5871099 Parker Centennial Assur Co 6,465 -65 -63 -57-19

222.05 222.05 126.77 126.7787645 United Fidelity Life Ins Co -63 3,785 -3 28,346-43

NR NR -19.04 -21.3869663 USAA Life Ins Co -7 -21 -66 0-71

-13.16 -13.16 -24.28 -24.2869477 Time Ins Co -45 -249 -215 -488-306

46.48 46.48 21.70 21.7066087 Mid West Natl Life Ins Co Of TN -235 5,337 15,253 5,172-311

13.85 13.85 13.47 13.4774470 Great Central Life Ins Co 62,494 80,634 67,145 64,424-1,010

11.49 11.59 18.80 18.8071480 Great Western Ins Co 2,364 3,274 1,162 0-2,000

41.81 41.83 22.94 22.9994447 Century Life Ass Co -726 58,316 262,566 94,919-2,330

3.27 3.27 5.70 5.7091448 Southwest Credit Life Inc 14,108 0 -5,000 5,760-5,000

12.18 12.18 21.72 21.7275612 Gulf States Life Ins Co 3,804 9,247 42,240 49,201-7,000

-14,301.33 -14,301.33 -21,021.94 -21,021.9465838 John Hancock Life Ins Co USA -16,793 -21,399 -462 -467,710-11,630

103.16 113.97 149.09 180.8561409 National Benefit Life Ins Co 248,519 679,714 643,372 765,526-58,181

22.93 28.78 13.08 16.4277151 Service Life & Cas Ins Co -72,484 315,091 546,084 1,662,399-86,911

365,301,745352,190,393345,629,323326,421,09642.9545.6743.9546.09COMPANIES IN REPORT - COUNTRYWIDE136 312,086,631




Loss Ratio = Annual Incurred Claims (Losses) / Earned Premium

Loss Ratio at Prima Facie Rates = Annual Incurred Claims (Losses) $ / Earned Premiums at Prima Facie Rates

COCODE COMPANY NAME 2016 20162015 20152014 20142013 2013 20122012

47.91 50.12 52.25 53.82 51.97 38.29 41.74 44.60 46.8147.6062626 CMFG Life Ins Co

56.45 49.79 58.44 54.07 54.12 53.55 47.38 55.14 50.9550.7066168 Minnesota Life Ins Co

50.67 51.60 56.14 55.70 57.05 54.31 55.24 59.98 60.0458.8860518 American Hlth & Life Ins Co

57.25 56.33 57.72 59.77 59.56 60.07 58.17 59.32 60.4060.6265951 Merit Life Ins Co

55.49 52.55 45.02 48.55 44.08 55.04 52.13 44.89 44.0949.0097691 Life Of The South Ins Co

29.34 28.83 30.13 31.80 31.84 31.76 31.59 32.61 33.5833.9161751 Central States H & L Co Of Omaha

29.88 21.75 29.72 27.53 22.18 29.21 21.86 29.39 22.2528.5160739 American Natl Ins Co

81.55 107.85 121.50 103.75 85.14 117.91 116.29 134.27 85.57107.9393777 Pavonia Life Ins Co of MI

35.74 47.69 42.69 44.58 45.94 33.89 45.94 41.53 45.0243.5160275 American Bankers Life Assur Co Of

35.17 32.56 30.82 30.64 27.85 35.44 32.70 31.01 27.8530.6497152 Plateau Ins Co

52.92 51.52 46.46 50.94 56.45 30.92 29.36 28.45 35.0031.5079715 Cooperativa De Seguros De Vida

38.01 43.44 41.99 40.67 42.33 33.38 37.81 36.39 36.4665.5186231 Transamerica Life Ins Co

28.12 23.36 25.11 24.29 37.89 30.97 25.51 27.15 39.9525.9268136 Protective Life Ins Co

27.92 24.51 24.07 28.45 26.17 27.92 24.51 24.07 27.2728.4573156 Caribbean Amer Life Assur Co

31.06 24.70 23.86 24.91 18.62 31.06 24.70 23.86 18.6224.9161298 Bankers Life Of LA

45.47 43.27 37.63 43.05 38.48 45.47 43.27 37.63 38.4843.0598736 American Federated Life Ins Co

34.29 28.82 30.90 35.85 28.50 34.24 28.62 30.84 28.3435.6967628 Pekin Life Ins Co

37.39 NR NR NR NR 32.08 NR NR NRNR10952 Transamerica Cas Ins Co

43.88 100.22 73.12 70.30 73.86 42.74 97.59 71.57 71.3168.3765811 American Modern Life Ins Co

34.36 29.13 44.37 38.10 47.37 29.04 25.06 36.93 40.7732.6866281 Transamerica Premier Life Ins Co

55.77 49.41 54.07 53.68 39.67 55.77 49.41 54.07 39.6753.6860242 Southern Financial Life Ins Co

66.08 49.65 56.77 59.42 48.02 27.13 46.87 51.25 45.6556.3070688 Transamerica Financial Life Ins Co

34.15 33.53 28.14 24.01 34.02 35.29 39.41 34.62 42.2430.0499538 SWBC Life Ins Co

72.26 555.75 107.74 70.43 67.92 71.91 894.44 110.37 68.3470.1360488 American Gen Life Ins Co

50.17 66.46 60.29 48.94 31.49 45.45 61.76 58.83 30.6147.5393742 Securian Life Ins Co

57.60 57.10 37.35 33.11 29.83 63.05 62.46 40.57 32.1435.9071455 Financial Amer Life Ins Co

28.32 24.32 24.86 30.35 29.09 30.34 26.38 26.99 31.8533.2276007 Old United Life Ins Co

55.98 46.64 48.87 38.90 53.57 55.93 46.49 48.78 53.5338.7860836 American Republic Ins Co

42.00 37.61 47.86 38.85 35.24 42.13 37.57 48.20 35.1938.8181779 Individual Assur Co Life Hlth & Acc

23.89 39.52 22.99 24.92 23.62 23.89 39.52 22.99 23.6224.9264904 Investors Heritage Life Ins Co

26.44 16.88 22.67 21.87 21.75 26.44 16.88 22.67 21.7521.8760041 UNIVERSAL LIFE INS CO

22.28 26.08 13.31 24.39 26.55 22.28 26.08 13.31 26.5524.3970548 Wichita Natl Life Ins Co

50.46 57.18 94.99 58.46 NR 54.58 61.36 98.03 NR57.9479340 Pavonia Life Ins Co NY

71.23 62.80 54.01 60.30 47.37 71.23 62.80 54.01 47.3760.3065480 Old Spartan Life Ins Co Inc

25.76 26.94 21.67 28.01 17.03 25.76 26.94 21.67 17.0328.0180020 Mountain Life Ins Co

29.84 40.05 28.42 45.23 36.01 29.84 40.05 28.42 36.0145.2364211 Guarantee Trust Life Ins Co







37.09 28.44 53.55 31.72 15.76 45.75 35.00 66.29 19.8239.5885677 Life Assur Co Inc

13.62 14.61 22.90 27.21 26.61 11.81 11.81 21.89 28.8231.0077054 MAPFRE Life Ins Co of PR

19.20 25.97 26.30 34.63 20.14 16.11 21.39 21.34 15.4827.1577976 Gulf Guar Life Ins Co

19.81 30.26 39.65 68.74 35.73 19.81 30.26 39.65 35.7368.7474365 Southern Pioneer Life Ins Co

44.94 18.57 70.58 -0.77 23.59 44.94 18.57 70.58 23.59-0.7793650 Versant Life Ins Co

73.36 64.32 54.41 33.38 14.26 73.36 64.32 54.20 14.1833.2460534 American Heritage Life Ins Co

45.14 14.58 10.44 11.10 5.39 45.14 14.58 10.44 5.3911.1072087 Multinational Life Ins Co

18.12 26.15 41.81 31.20 26.45 18.12 26.15 41.81 26.4531.2077690 Trans City Life Ins Co

43.25 40.23 25.53 34.15 41.56 43.25 40.23 25.53 41.5634.1574233 First Natl Life Ins Co Of USA

27.05 1.31 25.55 6.93 14.60 27.05 1.31 25.55 14.606.9386118 Arkansas Bankers Life Ins Co

18.51 26.63 24.55 21.80 24.38 18.51 26.63 24.55 24.3821.8060244 Kentucky Home Life Ins Co

47.76 177.29 78.60 123.88 163.36 49.65 183.64 73.85 152.63116.6270106 United States Life Ins Co in the Cit

66.38 49.02 55.09 61.32 57.66 66.38 49.02 55.09 57.6661.3262650 Delta Life Ins Co

220.44 76.78 419.64 244.90 387.24 220.44 76.78 419.64 387.24244.9060246 Netcare Life & Hlth Ins Co

127.87 -84.09 61.32 370.07 48.72 127.87 -85.99 61.32 49.53399.1393521 General Fidelity Life Ins Co

30.50 30.29 11.01 16.47 6.51 NR NR NR 5.2812.5692274 Landcar Life Ins Co

92.00 119.11 36.22 129.61 59.63 92.00 119.03 36.05 58.15127.8862383 Centurion Life Ins Co

22.23 49.29 20.62 96.75 178.28 15.10 34.03 14.53 178.2887.8981477 Union Security Life Ins Co of NY

46.18 19.77 29.15 51.34 32.28 36.69 16.80 26.97 32.2851.2388536 Protective Life & Annuity Ins Co

49.62 15.95 56.42 15.98 33.64 48.37 15.52 54.26 32.5915.5875094 Life Ins Co Of LA

82.47 118.79 147.70 150.66 52.62 82.45 110.25 167.97 55.82180.0360895 American United Life Ins Co

21.25 NR NR NR NR 20.95 NR NR NRNR13762 American Natl Lif Ins Co of NY

523.95 25.09 164.43 11.69 0.00 396.10 19.23 127.30 0.008.9462553 Country Life Ins Co

9.37 6.32 10.88 6.42 7.24 9.37 6.32 10.88 7.246.4271463 CICA Life Ins Co of Amer

3.91 11.48 9.61 10.02 13.38 3.91 11.48 9.61 13.3810.0271323 Zale Life Ins Co

938.70 136.07 126.78 76.05 127.56 938.70 136.07 126.78 127.6376.0565757 Shelter Life Ins Co

4.98 61.77 26.07 51.77 14.09 4.98 36.45 15.83 8.0731.6571870 Fidelity Security Life Ins Co

8.89 0.00 0.00 NR NR 8.89 0.00 0.00 NRNR92649 American Underwriters Life Ins Co

4.35 51.57 NR NR NR 3.14 37.19 NR NRNR62235 Unum Life Ins Co Of Amer

NR NR NR NR NR NR NR NR NRNR60054 Aetna Life Ins Co

0.00 175.82 0.00 0.00 -2.94 0.00 107.43 0.00 -1.650.0079049 Alfa Life Ins Corp

NR NR NR NR NR NR NR NR NRNR60186 Allstate Life Ins Co

NR NR NR NR NR NR NR NR NRNR68373 American Gen Assur Co

NR NR NR NR NR NR NR NR NRNR66842 American Gen Life Ins Co of DE

NR NR NR NR NR NR NR NR NRNR71439 Assurity Life Ins Co

0.00 NR NR NR NR 0.00 NR NR NRNR15940 Assurity Life Ins Co of NY







NR NR NR 250.20 0.00 NR NR NR 0.00250.2068160 Balboa Life Ins Co

NR NR NR NR NR NR NR NR NRNR10097 Balboa Life Ins Co Of NY

NR NR 0.00 0.00 -99.72 NR NR 0.00 -99.720.0061212 Baltimore Life Ins Co

NR NR NR NR -7.58 NR NR NR -7.57NR81043 Bankers Life Ins Co

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.000.0061476 Boston Mut Life Ins Co

NR NR NR 42.92 47.26 NR NR NR 47.2642.9261824 Cherokee Natl Life Ins Co

NR NR NR NR NR NR NR NR NRNR61921 Citizens Security Life Ins Co

NR NR -3.70 -4.61 -4.05 NR NR -3.92 -4.08-4.6488374 Commonwealth Dealers Life Ins Co

NR NR NR NR NR NR NR NR NRNR78301 Corvesta Life Ins Co

0.00 0.00 151.57 0.00 0.00 0.00 0.00 151.57 0.000.0062928 EMC Natl Life Co

0.00 0.00 99.42 19.10 42.85 0.00 0.00 99.42 42.8519.1089087 Enterprise Life Ins Co

NR NR NR NR 10.90 NR NR NR 10.90NR94579 First Assur Life Of Amer

NR 24.40 NR 38.20 49.56 NR 24.40 NR 49.5638.2083992 Foundation Life Ins Co Of AR

0.00 35.07 56.58 47.48 30.67 0.00 43.66 70.61 38.4259.4065560 Life Protection Ins Co

NR NR NR NR -166.07 NR NR NR -273.53NR65676 Lincoln Natl Life Ins Co

NR NR NR NR NR NR NR NR NRNR61018 Magna Ins Co

NR NR NR -4.44 -4.45 NR NR NR -4.45-4.4497055 Mega Life & Hlth Ins Co The

NR NR NR -239.57 15.39 NR NR NR 15.39-239.5765978 Metropolitan Life Ins Co

NR 22.59 31.09 NR 562.78 NR 22.59 31.09 562.78NR73989 Mililani Life Ins Co Ltd

NR -63.82 NR NR -3.73 NR -63.82 NR -3.73NR68349 North Amer Ins Co

0.00 -0.68 -1.39 130.32 88.93 0.00 -0.68 -1.39 88.93130.3267261 Old Republic Life Ins Co

0.00 0.00 0.00 NR -6.48 0.00 0.00 0.00 -7.70NR88080 Omaha Hlth Ins Co

NR 0.00 -0.11 NR 648.74 NR 0.00 -0.11 648.74NR76112 Oxford Life Ins Co

0.00 -8.15 46.59 58.07 60.83 0.00 -8.15 46.59 45.8248.7793815 Pacific Century Life Ins Corp

NR NR 188.97 104.18 58.93 NR NR 219.32 70.86112.5889007 Pavonia Life Ins Co Of DE

NR NR NR NR NR NR NR NR NRNR71803 Pemco Life Ins Co

NR NR NR 34.83 0.00 NR NR NR 0.0034.8376503 Port O Call Life Ins Co

NR NR 137.92 196.33 43.31 NR NR 99.43 31.23141.5668195 Provident Life & Accident Ins Co

NR -11,228.98 NR 27.87 17.28 NR -11,227.81 NR 18.0527.3661506 Resource Life Ins Co

NR NR NR NR 0.00 NR NR NR 0.00NR60445 Sagicor Life Ins Co

NR NR NR NR NR NR NR NR NRNR68772 Security Mut Life Ins Co Of NY

NR -5.63 49.70 62.37 62.80 NR -5.64 49.70 62.8062.3799465 Servco Life Ins Co

NR NR NR 925.49 19.72 NR NR NR 19.71839.5589958 Shelterpoint Ins Co

0.00 0.00 157.06 2.48 0.00 0.00 0.00 157.06 0.002.4898868 Sheridan Life Ins Co

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.000.0069094 State Farm Life & Accident Asr Co

0.00 0.00 0.00 226.27 420.42 0.00 0.00 0.00 420.4279.3469108 State Farm Life Ins Co







NR NR 28.76 31.76 36.72 NR NR 20.90 30.5923.5165021 Stonebridge Life Ins Co

0.00 32.76 94.62 -4.52 55.35 0.00 18.52 53.48 31.28-2.5570435 The Savings Bank Life Ins Co Of MA

0.00 -1,011.26 27.82 -72.99 92.99 0.00 -1,011.26 27.82 92.99-72.9969523 Trans Oceanic Life Ins Co

NR NR NR 1.15 2.40 NR NR NR 2.401.1561158 TRIPLE S BLUE

NR -11.84 -12.50 200.45 270.39 NR -11.84 -12.50 270.39200.4562596 Union Fidelity Life Ins Co

NR NR -523.56 34.22 38.79 NR NR -523.56 42.2140.6369973 United Life Ins Co

NR NR NR NR -5.97 NR NR NR -5.97NR63819 Unity Financial Life Ins Co

NR NR NR NR 155.64 NR NR NR 157.45NR70173 Universal Underwriters Life Ins Co

NR NR NR NR -23.10 NR NR NR -24.86NR72613 USAA Direct Life Ins Co

0.00 0.00 0.00 0.00 61.81 0.00 0.00 0.00 61.810.0068632 Vantis Life Ins Co

NR NR 0.00 0.00 0.00 NR NR 0.00 0.000.0092053 Wateree Life Ins

-83.33 -92,384.39 -34.32 37.14 281.07 -83.33 -92,384.39 -34.28 275.6237.1668241 Prudential Ins Co Of Amer

-2.38 -0.87 -0.99 -0.80 1.68 -2.38 -0.87 -0.99 1.68-0.8099724 LifeShield Natl Ins Co

-0.64 -0.65 -1.70 155.41 -213.76 -0.64 -0.65 -1.70 -213.76155.4061492 Athene Annuity & Life Assur Co

-15.32 -4.46 -2.51 -1,209.43 NR -10.86 -3.17 -1.79 NR-861.0585090 Dearborn Natl Life Ins Co of NY

-15.97 1,287.85 -7.26 -4.75 -3.32 -15.97 1,287.85 -9.79 -3.32-4.7571099 Parker Centennial Assur Co

-11.68 -9.14 205.15 -0.07 404.94 -11.68 -9.14 205.15 404.94-0.0787645 United Fidelity Life Ins Co

-36.41 -5.47 -10.66 NR NR -43.03 -6.03 -11.54 NRNR69663 USAA Life Ins Co

-900.00 -3.31 -23.14 -6.79 -11.44 -900.00 -3.31 -23.14 -11.44-6.7969477 Time Ins Co

-7.36 -3.54 47.61 162.58 22.69 -7.36 -3.54 47.61 22.69162.5866087 Mid West Natl Life Ins Co Of TN

-0.32 18.23 20.54 14.89 13.70 -0.32 18.23 20.54 13.7014.8974470 Great Central Life Ins Co

-50.10 28.96 45.52 11.53 0.00 -50.10 28.96 45.52 0.0011.5371480 Great Western Ins Co

-6.34 -1.04 43.37 97.17 19.94 -6.42 -1.04 43.37 19.9497.1794447 Century Life Ass Co

-53.99 35.88 0.00 -6.99 8.15 -53.99 35.88 0.00 8.15-6.9991448 Southwest Credit Life Inc

-150.80 NR 39.41 50.92 7.14 -150.80 NR 39.41 7.1450.9275612 Gulf States Life Ins Co

NR NR -9,029.11 -64.08 -17,556.68 NR NR -9,029.11 -17,556.68-64.0865838 John Hancock Life Ins Co USA

-595.10 171.23 158.57 95.28 80.55 -557.43 207.96 193.56 83.01107.9161409 National Benefit Life Ins Co

-431.06 -38.09 32.16 17.85 27.42 -544.86 -47.86 40.34 34.4222.4077151 Service Life & Cas Ins Co

COMPANIES IN REPORT - COUNTRYWIDE 45.7247.7047.5545.2144.22 44.1646.7745.3842.6040.88136


CREDIT LIFE


BY STATE SUMMARY (2)




CREDIT LIFEBY STATE

5-yr Aggregated Loss Ratio2016 - 2012

5-yr Aggregated Loss Ratio



Business written in the State of




2016 2015 2014 2013 2012

38.61 37.32Alabama 34.22 33.85 6,508,236 6,598,413 7,480,085 6,465,6896,576,347

50.15 44.08Alaska 47.03 43.25 240,540 378,815 315,652 590,477190,038

31.98 47.60American Samoa 31.84 46.89 12,555 13,316 11,639 24,2292,047

45.57 47.96Arizona 47.71 50.78 2,499,112 2,620,624 2,052,922 2,489,5121,567,441

33.78 31.96Arkansas 32.30 30.46 2,191,113 2,997,239 3,036,287 3,630,5231,726,118

57.27 55.26California 46.00 44.39 4,974,276 8,060,907 7,450,505 8,666,6474,197,453

47.76 51.75Colorado 45.61 49.74 2,642,220 2,601,316 2,522,708 2,029,7341,536,739

30.11 25.30Connecticut 28.58 23.69 1,139,358 1,272,372 1,301,497 1,530,750807,049

52.17 50.72Delaware 48.71 46.97 431,384 952,160 1,003,525 1,030,533655,893

43.93 40.72District Of Columbia 40.14 37.31 320,793 285,799 390,980 356,102225,695

51.48 52.45Florida 47.79 47.81 17,845,628 19,186,316 18,676,004 19,084,35618,300,939

59.17 60.12Georgia 58.19 59.32 15,964,951 15,732,936 15,953,755 15,020,74415,700,905

32.63 32.06Guam 32.60 32.04 877,854 1,168,554 1,124,093 613,5191,251,690

33.23 32.03Hawaii 32.85 31.78 1,039,034 1,080,064 757,871 1,364,4691,015,043

39.49 37.10Idaho 85.08 33.78 1,924,781 1,321,687 1,973,413 2,094,1002,151,687

43.92 43.26Illinois 43.26 42.76 10,101,363 9,180,916 10,601,972 10,317,6818,907,572

63.32 61.69Indiana 59.06 57.99 7,928,910 8,354,449 7,982,856 9,044,7347,437,101

38.36 35.69Iowa 38.36 35.61 3,580,269 3,834,403 4,714,833 5,061,0423,072,127

38.51 37.46Kansas 31.04 27.98 3,865,678 4,135,930 4,033,176 4,398,7953,886,426

42.66 44.28Kentucky 39.47 40.07 8,283,679 7,803,282 7,884,597 7,453,1988,353,134

27.59 29.34Louisiana 22.77 22.85 9,465,300 9,915,646 10,463,645 8,778,76910,990,386

73.34 76.86Maine 69.14 72.50 2,319,386 2,715,336 2,524,021 2,345,6962,238,137

63.08 63.03Maryland 44.85 40.95 4,394,169 4,917,586 6,104,246 4,923,5144,423,117

43.46 48.14Massachusetts 40.33 44.62 1,054,349 1,855,958 1,576,678 1,513,613867,850

54.34 50.87Michigan 51.96 47.15 14,565,082 15,910,448 17,350,082 17,636,29414,389,710

56.64 53.39Minnesota 56.84 54.20 3,415,932 4,155,042 4,808,945 5,842,3103,520,608

36.43 37.58Mississippi 31.98 32.58 9,131,538 7,489,081 7,842,119 6,765,1959,296,697

50.54 49.28Missouri 53.65 52.76 9,246,644 10,104,733 10,477,997 10,121,0028,040,764

51.54 53.71Montana 50.91 53.12 779,460 1,491,423 1,344,667 1,584,881935,416

34.26 32.60Nebraska 34.40 32.99 1,425,428 1,577,812 1,843,989 2,236,1531,268,425

52.62 70.14Nevada 53.55 71.37 908,338 678,017 508,508 928,529712,074

38.10 38.91New Hampshire 24.40 24.25 1,767,706 1,942,083 1,804,217 1,874,5462,040,304

47.54 46.96New Jersey 46.12 46.59 2,079,614 2,968,251 2,714,413 3,359,1721,582,452

50.52 50.92New Mexico 52.62 52.35 3,321,501 3,618,140 3,899,682 3,895,1234,132,031

69.40 63.95New York 56.26 50.61 16,437,780 16,558,662 18,707,010 18,634,41817,466,715

57.77 57.29North Carolina 54.84 53.81 15,946,247 16,070,508 15,808,089 18,026,82114,193,729

43.16 42.14North Dakota 42.43 41.40 2,312,054 1,619,151 2,438,892 1,789,9781,795,653

14.66 19.34Northern Mariana Islands 14.60 19.24 26,211 75,455 7,001 4,20543,246

49.59 48.62Ohio 45.72 43.97 10,206,343 11,749,023 11,931,436 12,282,7949,490,882



CREDIT LIFEBY STATE





Business written in the State of




2016 2015 2014 2013 2012

42.07 40.29Oklahoma 41.48 40.02 5,452,133 6,205,611 6,756,254 6,749,7403,991,212

63.72 59.85Oregon 63.33 59.55 3,095,172 3,106,086 3,841,497 4,846,1552,152,622

63.81 65.56Pennsylvania 63.70 66.01 18,471,600 20,462,458 20,808,268 24,445,03215,527,635

31.80 31.28Puerto Rico 26.47 25.36 10,839,468 10,716,773 11,646,171 12,816,17511,307,183

66.04 73.29Rhode Island 59.91 66.06 317,104 517,040 399,232 499,406219,532

49.61 52.11South Carolina 48.28 50.89 11,767,176 11,198,063 10,629,662 10,053,31812,594,029

33.16 32.19South Dakota 31.49 30.41 1,176,477 1,103,811 1,094,289 1,561,426864,994

44.08 44.71Tennessee 42.27 42.03 13,115,692 12,869,545 13,305,560 12,876,50112,904,777

33.05 33.39Texas 38.22 38.86 34,063,562 37,895,987 33,420,864 34,923,29834,938,892

37.77 37.82US Virgin Islands 38.40 37.86 802,405 513,135 790,569 653,254764,441

40.22 41.63Utah 33.91 34.97 3,768,352 2,917,278 2,569,088 3,221,3922,853,619

66.94 72.45Vermont 62.69 67.52 1,116,893 665,895 783,293 1,181,701909,470

65.61 64.24Virginia 64.52 65.38 9,932,813 12,880,720 11,214,487 12,645,5459,379,718

66.72 69.70Washington 67.16 72.08 3,157,614 3,227,384 3,678,923 3,890,8601,963,359

50.79 49.53West Virginia 50.44 49.48 2,585,047 3,328,643 3,448,467 3,684,1422,654,119

45.05 41.37Wisconsin 43.95 40.15 4,925,588 4,420,712 5,850,232 6,345,5603,744,980

40.66 38.38Wyoming 40.13 38.02 659,187 608,329 529,527 1,098,394326,410

46.09 45.6743.95 42.95 326,421,096 345,629,323 352,190,393 365,301,745Total 312,086,631



CREDIT LIFEBY STATE

Loss Ratio = Annual Incurred Claims (Losses)/Earned Premium

Loss Ratio at Prima Facie Rates=Annual Incurred Claims (Losses) $/

Earned Premiums at Prima Facie RatesBusiness written in the

State of 2016 20162015 20152014 20142013 20132012 2012

35.88 37.45 38.72 44.02 37.22 32.77 33.77 35.09 37.31 32.18Alabama36.48 39.71 53.38 63.34 54.36 36.13 39.13 51.85 59.00 47.55Alaska40.44 72.53 36.71 17.83 32.07 34.40 72.53 36.71 17.83 32.07American Samoa35.03 52.84 55.30 42.21 42.65 37.34 55.68 58.46 42.81 44.66Arizona29.12 26.83 39.75 34.14 37.50 27.56 25.71 37.88 32.69 36.09Arkansas44.02 48.39 70.90 59.12 60.01 35.30 38.80 57.12 47.37 48.29California37.07 59.85 57.28 51.99 35.14 35.91 56.81 55.35 48.26 33.89Colorado18.77 26.40 31.00 34.72 42.25 16.56 25.63 29.82 33.60 41.22Connecticut54.42 32.85 63.37 58.86 49.50 51.64 30.40 57.59 57.46 45.31Delaware32.62 48.77 41.16 52.14 44.41 29.30 45.16 38.11 47.63 40.32District Of Columbia50.87 51.99 54.51 51.99 48.41 46.29 47.31 49.85 48.52 47.07Florida60.93 60.96 58.52 60.20 55.41 60.56 60.02 57.48 58.87 54.25Georgia33.82 25.34 37.44 41.61 25.12 33.82 25.31 37.41 41.52 25.07Guam32.32 30.62 33.21 25.14 45.25 31.88 30.69 32.80 24.65 44.55Hawaii42.08 39.93 28.62 43.33 43.03 35.73 37.22 27.62 NR 41.39Idaho42.52 46.34 40.96 46.50 43.28 41.43 46.94 40.08 45.48 42.49Illinois57.17 62.16 65.86 63.80 67.54 54.64 59.19 60.11 56.40 64.93Indiana33.38 36.57 36.89 42.25 41.20 33.33 36.46 36.83 42.16 41.54Iowa36.10 36.68 39.67 39.27 40.89 26.60 27.27 30.20 35.12 38.28Kansas45.29 45.25 42.32 42.37 38.31 39.70 40.07 40.47 40.49 36.70Kentucky31.94 27.16 28.96 31.38 20.43 23.91 20.63 24.15 27.72 18.58Louisiana72.67 73.15 84.54 72.15 65.25 69.74 68.20 79.36 67.93 61.50Maine64.84 60.85 63.47 74.68 52.97 38.62 39.54 44.80 59.18 43.35Maryland36.07 41.11 64.48 45.57 33.68 32.27 39.29 60.00 42.03 31.46Massachusetts49.05 48.75 54.88 59.88 59.24 45.09 44.84 51.75 60.43 59.15Michigan53.87 50.17 55.93 58.72 61.96 55.50 50.89 56.09 57.31 62.16Minnesota38.94 39.49 34.10 36.62 32.45 33.62 34.33 29.61 32.72 29.16Mississippi44.57 49.48 53.59 55.03 49.80 48.06 52.98 56.99 57.93 52.03Missouri54.58 40.09 64.52 49.03 49.64 54.15 39.42 63.97 48.33 48.99Montana32.94 32.19 32.71 34.41 37.79 34.35 32.25 32.61 34.20 37.65Nebraska72.22 85.18 55.36 31.55 42.01 74.58 85.51 56.35 32.51 42.37Nevada41.85 36.56 38.32 39.33 34.83 22.36 26.17 24.81 26.11 23.35New Hampshire37.08 44.10 57.78 46.57 49.61 37.31 44.51 55.82 44.20 46.81New Jersey59.31 45.44 48.45 54.30 46.25 61.55 45.63 50.56 56.82 49.67New Mexico66.10 61.41 64.37 71.35 87.14 47.70 51.68 52.92 59.96 74.09New York53.47 59.92 58.43 56.81 59.96 49.58 56.30 55.57 54.38 58.13North Carolina42.02 50.21 34.36 51.71 37.60 41.24 49.37 33.76 50.90 36.99North Dakota18.78 10.09 29.11 3.74 3.28 18.78 10.02 28.89 3.74 3.26Northern Mariana Islands46.47 46.74 52.40 52.00 49.89 41.22 41.54 49.09 48.94 47.56Ohio



CREDIT LIFEBY STATE

Loss Ratio = Annual Incurred Claims (Losses)/Earned Premium

Loss Ratio at Prima Facie Rates=Annual Incurred Claims (Losses) $/

Earned Premiums at Prima Facie RatesBusiness written in the

State of 2016 20162015 20152014 20142013 20132012 2012

33.59 44.46 42.24 46.34 42.47 33.35 44.24 41.90 45.29 41.49Oklahoma50.93 67.43 60.42 66.01 69.55 50.41 67.07 60.38 65.65 68.96Oregon63.89 66.48 66.06 60.81 62.70 63.67 67.82 66.26 60.35 61.80Pennsylvania34.66 29.44 30.10 32.26 32.78 27.75 23.46 25.15 27.74 28.46Puerto Rico53.11 67.47 93.26 57.39 60.68 36.18 78.06 88.84 52.03 55.70Rhode Island57.08 53.03 46.68 47.41 44.28 56.12 52.17 45.02 45.78 42.94South Carolina28.53 35.88 31.91 29.38 39.02 26.75 34.02 30.23 28.00 37.46South Dakota44.55 45.32 44.27 45.64 40.91 38.90 43.32 44.27 45.16 40.31Tennessee31.86 31.28 37.29 33.00 32.09 37.28 36.32 43.30 38.34 36.26Texas43.60 45.33 25.96 42.94 32.86 43.03 46.07 25.97 43.24 35.24US Virgin Islands34.85 48.73 41.71 36.74 39.28 26.75 40.12 40.43 31.74 32.76Utah83.82 91.11 47.38 53.19 66.81 77.71 85.42 44.11 49.71 63.33Vermont55.32 60.02 77.56 66.93 68.10 55.96 61.91 78.37 65.00 62.03Virginia55.35 79.77 72.16 71.87 57.54 59.65 81.35 73.20 70.28 56.50Washington48.78 45.01 54.43 52.81 52.01 48.33 45.13 54.60 52.14 51.17West Virginia36.96 46.97 40.09 50.51 49.18 35.14 45.28 39.94 49.69 48.23Wisconsin25.71 48.41 39.98 30.28 54.33 25.57 47.87 39.53 29.76 53.40Wyoming

44.22 45.21 47.55 47.70 45.72 40.88 42.60 45.38 46.77 44.16Total


CREDIT LIFE

EARNED PREMIUMS




2016 CREDIT EXPERIENCE REPORTEarned Premiums


Earned Premiums $

COCODE COMPANY NAMEBusiness

TypeDOM 2016 2015 2014 2013 2012

62626 CMFG Life Ins Co IA L 196,333,811 187,354,262 177,889,953 177,066,040201,710,53561751 Central States H & L Co Of Omaha NE L 65,316,949 62,845,252 58,932,849 55,794,08664,977,16560518 American Hlth & Life Ins Co TX L 52,015,352 54,175,890 52,951,611 54,077,78750,146,58566168 Minnesota Life Ins Co MN L 47,183,543 43,530,614 44,061,049 45,653,82450,134,91897691 Life Of The South Ins Co GA L 39,681,700 32,795,210 29,469,644 29,444,42444,011,48265951 Merit Life Ins Co IN L 38,135,048 32,335,015 26,283,489 22,081,60343,365,00460739 American Natl Ins Co TX L 28,798,601 24,283,783 26,849,633 29,244,71328,166,23760275 American Bankers Life Assur Co Of FL FL L 30,329,793 43,247,939 50,171,879 55,163,94721,161,07897152 Plateau Ins Co TN L 19,061,177 15,208,330 12,367,163 10,942,54920,762,55168136 Protective Life Ins Co TN L 16,373,116 17,653,312 18,465,061 19,779,18714,681,24673156 Caribbean Amer Life Assur Co PR L 14,750,976 14,572,152 14,743,780 15,828,79614,531,10086231 Transamerica Life Ins Co IA L 24,759,656 25,555,627 25,394,708 25,624,59813,735,05661298 Bankers Life Of LA LA L 11,559,920 10,657,132 10,140,650 9,554,82711,973,63279715 Cooperativa De Seguros De Vida PR L 10,466,591 10,800,494 10,138,514 11,074,16110,626,77293777 Pavonia Life Ins Co of MI MI L 16,533,038 23,209,829 28,493,783 39,231,3179,535,72367628 Pekin Life Ins Co IL L 8,641,553 7,775,728 6,666,032 5,615,3859,396,31910952 Transamerica Cas Ins Co OH P 0 0 0 08,583,30898736 American Federated Life Ins Co MS L 7,157,288 6,650,378 6,712,871 6,521,8817,773,49066281 Transamerica Premier Life Ins Co IA L 10,486,617 7,931,032 9,018,737 9,529,9436,896,65565811 American Modern Life Ins Co OH L 7,937,121 10,161,003 12,096,219 15,537,1586,134,14099538 SWBC Life Ins Co TX L 1,313,450 845,314 673,361 520,3915,066,90376007 Old United Life Ins Co AZ L 4,864,177 5,196,486 4,761,349 4,620,6654,864,57377054 MAPFRE Life Ins Co of PR PR L 6,122,655 3,654,057 3,148,447 4,447,9223,869,06664904 Investors Heritage Life Ins Co KY L 3,355,530 3,760,740 4,152,864 4,420,3213,830,91160242 Southern Financial Life Ins Co KY L 3,761,862 3,629,363 3,680,298 3,770,2413,782,07870548 Wichita Natl Life Ins Co OK L 3,433,080 5,555,653 4,402,492 4,251,2033,422,90760041 UNIVERSAL LIFE INS CO PR L 4,389,595 5,316,120 6,361,783 5,657,1193,394,64070688 Transamerica Financial Life Ins Co NY L 4,554,842 4,259,621 4,576,208 4,524,6363,055,83793742 Securian Life Ins Co MN L 3,048,699 4,659,694 1,632,506 1,067,5342,788,25081779 Individual Assur Co Life Hlth & Acc OK L 3,772,511 6,045,832 7,584,723 8,392,3612,639,43877976 Gulf Guar Life Ins Co MS L 2,760,114 2,860,892 3,138,445 3,457,5842,484,36371455 Financial Amer Life Ins Co KS L 4,618,147 7,994,244 12,471,611 13,403,2952,426,62260836 American Republic Ins Co IA L 2,567,765 3,567,543 4,563,553 5,802,3642,317,58274365 Southern Pioneer Life Ins Co AR L 1,927,082 2,218,618 2,965,267 4,762,6862,314,08880020 Mountain Life Ins Co TN L 2,345,352 2,475,297 2,773,804 4,058,2032,259,13460488 American Gen Life Ins Co TX L 428,708 4,800,806 5,900,288 8,404,6962,076,00564211 Guarantee Trust Life Ins Co IL L 3,092,948 4,614,344 6,391,328 7,939,9561,935,88077690 Trans City Life Ins Co AZ L 1,636,331 1,560,366 1,433,810 1,371,9901,613,35285677 Life Assur Co Inc OK L 1,729,829 1,869,263 2,049,454 2,196,3501,537,81379340 Pavonia Life Ins Co NY NY L 1,704,082 1,478,156 1,733,160 -4,161,2901,493,83660244 Kentucky Home Life Ins Co KY L 1,100,821 1,165,947 1,371,526 1,802,6591,148,98365480 Old Spartan Life Ins Co Inc SC L 1,105,213 1,355,618 1,478,464 1,367,4931,010,022




Earned Premiums $


TypeDOM 2016 2015 2014 2013 2012

93650 Versant Life Ins Co MS L 703,022 256,781 460,443 483,731948,50271323 Zale Life Ins Co AZ L 933,268 1,019,963 1,018,984 961,318928,80686118 Arkansas Bankers Life Ins Co AR L 2,155,248 989,692 1,274,459 1,114,151918,20072087 Multinational Life Ins Co PR L 1,682,372 1,934,946 2,219,904 2,584,307707,82674233 First Natl Life Ins Co Of USA NE L 758,571 790,269 891,937 975,170675,15660534 American Heritage Life Ins Co FL L 1,294,820 2,577,383 4,801,427 19,919,062552,47381477 Union Security Life Ins Co of NY NY L 554,332 604,569 817,128 1,074,334511,27271463 CICA Life Ins Co of Amer CO L 418,741 389,422 381,424 388,960428,47092274 Landcar Life Ins Co UT L 705,809 1,129,171 1,691,325 4,386,433402,43970106 United States Life Ins Co in the Cit NY L 458,035 662,507 885,804 1,189,031353,19574470 Great Central Life Ins Co LA L 342,855 392,482 450,888 470,364319,84288536 Protective Life & Annuity Ins Co AL L 294,331 359,238 381,081 424,244243,22662650 Delta Life Ins Co GA L 247,261 272,729 229,464 292,643231,56413762 American Natl Lif Ins Co of NY NY L 0 0 0 0199,81075094 Life Ins Co Of LA LA L 291,481 285,339 365,251 373,264153,32762383 Centurion Life Ins Co IA L 201,423 327,571 828,518 1,804,792124,84593521 General Fidelity Life Ins Co SC L 144,848 219,006 365,134 556,18797,33660895 American United Life Ins Co IN L 165,436 272,837 481,476 810,92082,37960246 Netcare Life & Hlth Ins Co GU L 61,380 32,395 31,592 30,09166,24171870 Fidelity Security Life Ins Co MO L 58,221 79,337 100,493 125,63444,19194447 Century Life Ass Co OK L 69,645 134,473 270,205 476,05636,73398868 Sheridan Life Ins Co OK L 8,702 8,559 33,230 45,38421,96677151 Service Life & Cas Ins Co TX L 190,310 979,701 3,059,333 6,062,69320,16292649 American Underwriters Life Ins Co AZ L 29,894 40,016 0 019,10370435 The Savings Bank Life Ins Co Of MA MA L 20,219 28,149 62,816 83,05411,39361409 National Benefit Life Ins Co NY L 145,141 428,657 675,254 950,3749,77791448 Southwest Credit Life Inc NM L 39,323 111,162 71,581 70,6399,26115940 Assurity Life Ins Co of NY NY L 0 0 0 08,59962235 Unum Life Ins Co Of Amer ME L 9,144 0 0 08,23462553 Country Life Ins Co IL L 8,748 9,497 10,467 11,1687,92275612 Gulf States Life Ins Co LA L -244 23,461 82,951 689,4134,64266087 Mid West Natl Life Ins Co Of TN TX L 6,644 11,211 9,382 22,7914,22671480 Great Western Ins Co UT L 8,164 7,192 10,076 12,3653,99265757 Shelter Life Ins Co MO L 11,592 30,217 81,660 110,8953,45279049 Alfa Life Ins Corp AL L 8,365 10,619 22,085 24,4492,89265560 Life Protection Ins Co TX L 23,955 99,896 126,285 158,0162,45261492 Athene Annuity & Life Assur Co DE L 2,144 2,649 3,623 9,2961,86762928 EMC Natl Life Co IA L 1,156 989 1,711 1,9771,10693815 Pacific Century Life Ins Corp AZ L 184,027 116,219 99,027 61,8721,07268632 Vantis Life Ins Co CT L 1,347 2,644 6,025 10,24966588080 Omaha Hlth Ins Co NE L 808 1,158 -804 2,31658499724 LifeShield Natl Ins Co OK L 1,608 2,719 3,763 4,879462




Earned Premiums $


TypeDOM 2016 2015 2014 2013 2012

87645 United Fidelity Life Ins Co TX L 689 1,845 4,519 7,00036889087 Enterprise Life Ins Co TX L 353 11,464 397,971 552,75022269663 USAA Life Ins Co TX L 128 197 -13,812 019561476 Boston Mut Life Ins Co MA L 218 260 332 38416185090 Dearborn Natl Life Ins Co of NY NY L 426 758 870 -86812471099 Parker Centennial Assur Co WI L 502 895 1,327 1,71611969523 Trans Oceanic Life Ins Co PR L 444 4,263 17,574 66,6766669108 State Farm Life Ins Co IL L 194 565 2,071 11,4464969477 Time Ins Co WI L 1,361 1,076 3,165 4,2653467261 Old Republic Life Ins Co IL L 2,359 11,284 26,154 66,5962669094 State Farm Life & Accident Asr Co IL L 45 70 103 3741968241 Prudential Ins Co Of Amer NJ L 237 915 2,337 4,956660054 Aetna Life Ins Co CT L 0 0 0 0060186 Allstate Life Ins Co IL L 0 0 0 0068373 American Gen Assur Co IL L 0 0 0 0066842 American Gen Life Ins Co of DE DE L 0 0 0 0071439 Assurity Life Ins Co NE L 0 0 0 0068160 Balboa Life Ins Co CA L 0 0 40,154 99,519010097 Balboa Life Ins Co Of NY NY L 0 0 0 0061212 Baltimore Life Ins Co MD L 0 135 1,042 2,010081043 Bankers Life Ins Co NC L 0 0 0 502061824 Cherokee Natl Life Ins Co GA L 0 0 4,096,935 5,293,897061921 Citizens Security Life Ins Co KY L 0 0 0 0088374 Commonwealth Dealers Life Ins Co VA L 0 54 1,517 10,905078301 Corvesta Life Ins Co AZ L 0 0 0 0094579 First Assur Life Of Amer LA L 0 0 0 9,763,408083992 Foundation Life Ins Co Of AR AR L 500,612 0 483,990 457,747065838 John Hancock Life Ins Co USA MI L 0 237 721 2,664065676 Lincoln Natl Life Ins Co IN L 0 0 -804 56061018 Magna Ins Co MS L 0 0 0 0097055 Mega Life & Hlth Ins Co The OK L 0 0 14,313 25,916065978 Metropolitan Life Ins Co NY L 0 0 8,553 162,732073989 Mililani Life Ins Co Ltd HI L 99,763 101,592 0 4,820068349 North Amer Ins Co WI L 152 -2,527 -3,219 14,679076112 Oxford Life Ins Co AZ L 22 290 -1,711 2,241089007 Pavonia Life Ins Co Of DE DE L 0 132,536 161,587 229,616071803 Pemco Life Ins Co WA L 0 0 0 0076503 Port O Call Life Ins Co AR L 0 0 63,861 71,434068195 Provident Life & Accident Ins Co TN L 0 4,269 6,572 6,902061506 Resource Life Ins Co IL L 96 -17,263 221,566 997,217060445 Sagicor Life Ins Co TX L 0 0 0 188068772 Security Mut Life Ins Co Of NY NY L 0 0 0 00




Earned Premiums $


TypeDOM 2016 2015 2014 2013 2012

99465 Servco Life Ins Co TX L 7,205 73,278 386,410 1,052,738089958 Shelterpoint Ins Co FL L 0 0 1,552 197,120065021 Stonebridge Life Ins Co VT L 0 624,702 731,410 1,805,275061158 TRIPLE S BLUE PR L 0 0 116,491 151,932062596 Union Fidelity Life Ins Co KS L 591 6,384 24,550 28,230069973 United Life Ins Co IA L 0 191 5,844 22,103063819 Unity Financial Life Ins Co OH L 0 0 0 720070173 Universal Underwriters Life Ins Co KS L 0 -2,453 -5,218 15,154072613 USAA Direct Life Ins Co NE L 0 0 0 394092053 Wateree Life Ins SC L 0 1,685,544 1,156,822 1,267,7690

136 Companies - COUNTRYWIDE 722,012,185 726,912,343 738,353,317 799,020,309705,806,330




% of Earned Premiums Over or (Under) Earned Premiums at Prima Facie RatesEarned Premiums at Prima Facie Rates $

COMPANY NAME DOMBusiness

TypeCOCODE 2016 20162015 20152014 20142013 20132012 2012

-20.07 -16.72 -9.93-11.55-14.64CMFG Life Ins Co L 235,761,702 219,498,614 201,127,862 196,583,64262626 IA 252,360,031

8.26 9.55 5.466.628.26Central States H & L Co Of Omaha L 59,624,079 58,051,161 55,272,493 52,907,19461751 NE 60,022,066

-5.13 -4.84 -5.85-6.24-5.64Minnesota Life Ins Co L 49,581,802 46,134,298 46,991,603 48,488,89166168 MN 52,847,639

7.17 7.06 5.255.726.83American Hlth & Life Ins Co L 48,585,084 50,712,168 50,088,027 51,382,06460518 TX 46,791,448

-0.80 -0.80 0.020.92-0.29Life Of The South Ins Co L 40,001,958 32,890,879 29,201,602 29,439,65397691 GA 44,367,125

4.92 3.28 1.401.422.77Merit Life Ins Co L 36,924,549 31,464,634 25,914,546 21,776,47765951 IN 41,332,670

-2.22 0.49 0.313.56-1.11American Natl Ins Co L 28,658,090 24,556,726 25,927,734 29,154,52160739 TX 28,804,422

-5.17 -3.67 -2.01-2.38-2.71American Bankers Life Assur Co Of FL L 31,486,033 44,453,404 51,395,231 56,296,01260275 FL 22,315,491

0.76 0.43 0.000.000.62Plateau Ins Co L 18,979,776 15,114,975 12,367,167 10,942,55397152 TN 20,606,450

-41.57 -43.01 -38.00-38.17-38.77Cooperativa De Seguros De Vida L 18,366,636 17,638,392 16,396,152 17,860,82479715 PR 18,188,700

-12.17 -12.96 -13.8661.06-13.32Transamerica Life Ins Co L 28,446,305 29,482,304 15,767,081 29,746,10086231 IA 15,639,068

0.00 0.00 4.210.000.00Caribbean Amer Life Assur Co L 14,750,976 14,572,152 14,743,780 15,189,62473156 PR 14,531,100

10.15 9.21 5.456.708.15Protective Life Ins Co L 14,992,132 16,323,437 17,305,391 18,757,00168136 TN 13,327,864

0.00 0.00 0.000.000.00Bankers Life Of LA L 11,559,920 10,657,132 10,140,650 9,554,82761298 LA 11,973,632

-14.19 NR NRNRNRTransamerica Cas Ins Co P 0 0 0 010952 OH 10,002,622

-0.17 -0.70 -0.56-0.45-0.21Pekin Life Ins Co L 8,702,594 7,792,458 6,696,202 5,646,83667628 IL 9,411,957

-15.47 -13.97 -13.93-14.22-16.77Transamerica Premier Life Ins Co L 12,189,428 9,529,234 10,513,257 11,072,66166281 IA 8,159,182

0.00 0.00 0.000.000.00American Federated Life Ins Co L 7,157,288 6,650,378 6,712,871 6,521,88198736 MS 7,773,490

-58.95 -5.60 -4.93-5.24-9.72Transamerica Financial Life Ins Co L 4,824,854 4,718,030 4,829,300 4,759,51470688 NY 7,443,357

44.59 7.82 0.504.0310.52Pavonia Life Ins Co of MI L 15,333,299 21,001,470 27,389,420 39,034,75193777 MI 6,595,106

-2.61 -2.62 -3.45-2.74-2.12American Modern Life Ins Co L 8,150,896 10,381,089 12,436,812 16,092,46365811 OH 6,298,627

3.33 17.55 24.1725.1123.03SWBC Life Ins Co L 1,117,355 687,092 538,194 419,10499538 TX 4,903,633

7.16 8.45 9.489.468.56Old United Life Ins Co L 4,485,031 4,786,887 4,349,717 4,220,61276007 AZ 4,539,462

-13.25 -19.14 8.3213.91-4.39MAPFRE Life Ins Co of PR L 7,572,149 3,821,973 2,763,907 4,106,12577054 PR 4,460,091

0.00 0.00 0.000.000.00Investors Heritage Life Ins Co L 3,355,530 3,760,740 4,152,864 4,420,32164904 KY 3,830,911

0.00 0.00 0.000.000.00Southern Financial Life Ins Co L 3,761,862 3,629,363 3,680,298 3,770,24160242 KY 3,782,078

0.00 0.00 0.000.000.00Wichita Natl Life Ins Co L 3,433,080 5,555,654 4,402,493 4,251,20370548 OK 3,422,908

0.00 0.00 0.000.000.00UNIVERSAL LIFE INS CO L 4,389,595 5,316,120 6,361,783 5,657,11960041 PR 3,394,640

-9.41 -7.07 -2.77-2.88-2.42Securian Life Ins Co L 3,280,741 4,775,354 1,680,899 1,097,99693742 MN 3,077,857

-16.11 -17.67 -23.12-21.61-18.86Gulf Guar Life Ins Co L 3,352,483 3,525,671 4,003,818 4,497,57677976 MS 2,961,438

0.33 -0.10 -0.13-0.100.71Individual Assur Co Life Hlth & Acc L 3,776,276 6,003,303 7,592,434 8,403,41081779 OK 2,630,859

-0.09 -0.32 -0.07-0.32-0.18American Republic Ins Co L 2,576,012 3,573,943 4,578,051 5,806,50060836 IA 2,319,608

0.00 0.00 0.000.000.00Southern Pioneer Life Ins Co L 1,927,082 2,218,618 2,965,267 4,762,68674365 AR 2,314,088

0.00 0.00 0.000.000.00Mountain Life Ins Co L 2,345,352 2,475,297 2,773,804 4,058,20380020 TN 2,259,134

9.47 9.39 7.748.418.61Financial Amer Life Ins Co L 4,221,887 7,360,587 11,504,267 12,439,95171455 KS 2,216,655

-0.48 60.94 0.62-0.432.44American Gen Life Ins Co L 266,372 4,686,632 5,925,976 8,353,18460488 TX 2,085,969






TypeCOCODE 2016 20162015 20152014 20142013 20132012 2012

0.00 0.00 0.000.000.00Guarantee Trust Life Ins Co L 3,092,948 4,614,344 6,391,328 7,939,79364211 IL 1,935,887

0.00 0.00 0.000.000.00Trans City Life Ins Co L 1,636,330 1,560,366 1,433,810 1,371,99077690 AZ 1,613,352

8.15 7.31 -1.49-0.903.20Pavonia Life Ins Co NY L 1,588,052 1,432,301 1,748,860 -4,100,12479340 NY 1,381,224

23.33 23.06 25.7224.7623.79Life Assur Co Inc L 1,405,675 1,509,984 1,642,732 1,746,99685677 OK 1,246,905

0.00 0.00 0.000.000.00Kentucky Home Life Ins Co L 1,100,821 1,165,947 1,371,526 1,802,65960244 KY 1,148,983

0.00 0.00 0.000.000.00Old Spartan Life Ins Co Inc L 1,105,213 1,355,618 1,478,464 1,367,49365480 SC 1,010,022

0.00 0.00 0.000.000.00Versant Life Ins Co L 703,022 256,781 460,443 483,73193650 MS 948,502

0.00 0.00 0.000.000.00Zale Life Ins Co L 933,268 1,019,963 1,018,984 961,31871323 AZ 928,806

0.00 0.00 0.000.000.00Arkansas Bankers Life Ins Co L 2,155,248 989,692 1,274,459 1,114,15186118 AR 918,200

-32.05 -30.96 0.00-9.15-29.53Union Security Life Ins Co of NY L 802,954 857,909 899,470 1,074,33481477 NY 752,439

0.00 0.00 0.000.000.00Multinational Life Ins Co L 1,682,372 1,934,946 2,219,904 2,584,30772087 PR 707,826

0.00 0.00 0.000.000.00First Natl Life Ins Co Of USA L 758,571 790,269 891,937 975,17174233 NE 675,156

0.00 0.00 -0.57-0.42-0.38American Heritage Life Ins Co L 1,294,817 2,587,199 4,821,511 20,032,38760534 FL 552,473

0.00 0.00 0.000.000.00CICA Life Ins Co of Amer L 418,741 389,422 381,424 388,96071463 CO 428,470

3.96 3.58 -6.57-5.86-6.04United States Life Ins Co in the Cit L 442,196 705,120 940,978 1,272,68670106 NY 339,752

0.00 0.00 0.000.000.00Great Central Life Ins Co L 342,855 392,482 450,888 470,36474470 LA 319,842

-20.56 -15.02 0.00-0.22-7.49Protective Life & Annuity Ins Co L 346,335 388,309 381,905 424,24488536 AL 306,191

0.00 0.00 0.000.000.00Delta Life Ins Co L 247,261 272,729 229,464 292,64362650 GA 231,568

-1.42 NR NRNRNRAmerican Natl Lif Ins Co of NY L 0 0 0 013762 NY 202,698

-2.52 -2.72 -3.12-2.48-3.84Life Ins Co Of LA L 299,624 296,734 374,537 385,27775094 LA 157,287

0.00 -0.07 -2.47-1.34-0.47Centurion Life Ins Co L 201,564 329,130 839,769 1,850,55662383 IA 124,847

0.00 2.26 1.677.850.00General Fidelity Life Ins Co L 141,640 219,005 338,545 547,06893521 SC 97,336

-0.02 -7.19 6.0919.4913.73American United Life Ins Co L 178,250 239,905 402,935 764,38760895 IN 82,399

0.00 0.00 0.000.000.00Netcare Life & Hlth Ins Co L 61,380 32,395 31,592 30,09160246 GU 66,241

0.00 -40.99 -42.70-38.87-39.30Fidelity Security Life Ins Co L 98,656 130,697 164,383 219,25371870 MO 44,191

1.21 0.00 0.000.000.00Century Life Ass Co L 69,645 134,473 270,205 476,05694447 OK 36,294

-71.69 NR NRNRNRAssurity Life Ins Co of NY L 0 0 0 015940 NY 30,378

0.00 0.00 0.000.000.00Sheridan Life Ins Co L 8,702 8,559 33,230 45,38498868 OK 21,966

-43.48 -43.48 -43.48-43.48-43.48The Savings Bank Life Ins Co Of MA L 35,772 49,803 111,134 146,94070435 MA 20,157

0.00 0.00 NRNR0.00American Underwriters Life Ins Co L 29,894 40,016 0 092649 AZ 19,103

26.40 25.67 25.5425.5225.44Service Life & Cas Ins Co L 151,436 781,018 2,437,348 4,829,33577151 TX 15,951

-27.88 -27.90 NRNRNRUnum Life Ins Co Of Amer L 12,682 0 0 062235 ME 11,417

-24.40 -23.38 -22.89-23.52-22.58Country Life Ins Co L 11,417 12,267 13,686 14,48362553 IL 10,479

-6.33 21.45 3.0513.2622.07National Benefit Life Ins Co L 119,505 351,157 596,224 922,22161409 NY 10,437

0.00 0.00 0.000.000.00Southwest Credit Life Inc L 39,323 111,162 71,581 70,63991448 NM 9,261

-60.35 -38.90 -43.78-22.86-44.26Alfa Life Ins Corp L 13,690 19,051 28,629 43,48679049 AL 7,292






TypeCOCODE 2016 20162015 20152014 20142013 20132012 2012

0.00 0.00 0.000.000.00Gulf States Life Ins Co L -244 23,461 82,951 689,41375612 LA 4,642

0.00 0.00 0.000.000.00Mid West Natl Life Ins Co Of TN L 6,644 11,211 9,382 22,79166087 TX 4,226

0.00 0.00 3.060.000.00Great Western Ins Co L 8,164 7,192 10,076 11,99871480 UT 3,992

0.00 0.00 0.060.000.00Shelter Life Ins Co L 11,592 30,217 81,660 110,83465757 MO 3,452

23.65 24.49 25.2525.1024.80Life Protection Ins Co L 19,242 80,044 100,945 126,15865560 TX 1,983

0.00 0.05 0.000.000.00Athene Annuity & Life Assur Co L 2,143 2,649 3,623 9,29661492 DE 1,867

0.00 0.00 0.000.000.00EMC Natl Life Co L 1,156 989 1,711 1,97762928 IA 1,106

0.00 0.00 -24.67-16.020.00Pacific Century Life Ins Corp L 184,027 116,219 117,912 82,13793815 AZ 1,072

0.00 0.00 0.000.000.00Vantis Life Ins Co L 1,347 2,644 6,025 10,24968632 CT 665

19.92 20.06 18.8325.0720.00Omaha Hlth Ins Co L 673 965 -1,073 1,94988080 NE 487

0.00 0.00 0.000.000.00LifeShield Natl Ins Co L 1,608 2,719 3,763 4,87999724 OK 462

0.00 0.00 0.000.000.00United Fidelity Life Ins Co L 689 1,845 4,519 7,00087645 TX 368

0.00 0.00 0.000.000.00Enterprise Life Ins Co L 353 11,464 397,971 552,75089087 TX 222

-29.14 -28.88 29.60-28.81-28.63Dearborn Natl Life Ins Co of NY L 599 1,062 1,222 -1,23385090 NY 175

18.18 10.34 NR-5.778.24USAA Life Ins Co L 116 182 -13,058 069663 TX 165

0.00 0.00 0.000.000.00Boston Mut Life Ins Co L 218 260 332 38461476 MA 161

-64.23 -59.92 0.00-64.93-63.97State Farm Life Ins Co L 484 1,568 5,906 11,44669108 IL 137

0.00 0.00 -0.060.0034.79Parker Centennial Assur Co L 502 664 1,327 1,71771099 WI 119

-72.46 -67.63 0.00-70.49-65.69State Farm Life & Accident Asr Co L 139 204 349 37469094 IL 69

0.00 0.00 0.000.000.00Trans Oceanic Life Ins Co L 444 4,263 17,574 66,67669523 PR 66

0.00 0.00 0.00-0.030.00Time Ins Co L 1,361 1,076 3,166 4,26569477 WI 34

0.00 0.00 0.000.000.00Old Republic Life Ins Co L 2,359 11,284 26,154 66,59667261 IL 26

0.00 0.00 -1.940.04-0.11Prudential Ins Co Of Amer L 237 916 2,336 5,05468241 NJ 6

NR NR NRNRNRAetna Life Ins Co L 0 0 0 060054 CT 0

NR NR NRNRNRAllstate Life Ins Co L 0 0 0 060186 IL 0

NR NR NRNRNRAmerican Gen Assur Co L 0 0 0 068373 IL 0

NR NR NRNRNRAmerican Gen Life Ins Co of DE L 0 0 0 066842 DE 0

NR NR NRNRNRAssurity Life Ins Co L 0 0 0 071439 NE 0

NR NR 0.000.00NRBalboa Life Ins Co L 0 0 40,154 99,51968160 CA 0

NR NR NRNRNRBalboa Life Ins Co Of NY L 0 0 0 010097 NY 0

NR NR 0.000.000.00Baltimore Life Ins Co L 0 135 1,042 2,01061212 MD 0

NR NR -0.14NRNRBankers Life Ins Co L 0 0 0 50281043 NC 0

NR NR 0.000.00NRCherokee Natl Life Ins Co L 0 0 4,096,935 5,293,89761824 GA 0

NR NR NRNRNRCitizens Security Life Ins Co L 0 0 0 061921 KY 0

NR NR 0.770.535.88Commonwealth Dealers Life Ins Co L 0 51 1,509 10,82288374 VA 0

NR NR NRNRNRCorvesta Life Ins Co L 0 0 0 078301 AZ 0






TypeCOCODE 2016 20162015 20152014 20142013 20132012 2012

NR NR 0.00NRNRFirst Assur Life Of Amer L 0 0 0 9,763,40894579 LA 0

NR 0.00 0.000.00NRFoundation Life Ins Co Of AR L 500,612 0 483,990 457,74783992 AR 0

NR NR 0.000.000.00John Hancock Life Ins Co USA L 0 237 721 2,66465838 MI 0

NR NR 64.71-72.16NRLincoln Natl Life Ins Co L 0 0 -467 3465676 IN 0

NR NR NRNRNRMagna Ins Co L 0 0 0 061018 MS 0

NR NR 0.000.00NRMega Life & Hlth Ins Co The L 0 0 14,313 25,91697055 OK 0

NR NR 0.000.00NRMetropolitan Life Ins Co L 0 0 8,553 162,73265978 NY 0

NR 0.00 0.00NR0.00Mililani Life Ins Co Ltd L 99,763 101,592 0 4,82073989 HI 0

NR 0.00 -0.010.030.02North Amer Ins Co L 152 -2,528 -3,220 14,68068349 WI 0

NR 0.00 0.000.000.00Oxford Life Ins Co L 22 290 -1,711 2,24176112 AZ 0

NR NR 20.258.0616.06Pavonia Life Ins Co Of DE L 0 114,199 149,539 190,94889007 DE 0

NR NR NRNRNRPemco Life Ins Co L 0 0 0 071803 WA 0

NR NR 0.000.00NRPort O Call Life Ins Co L 0 0 63,861 71,43476503 AR 0

NR NR -27.89-27.90-27.91Provident Life & Accident Ins Co L 0 5,922 9,115 9,57268195 TN 0

NR -0.01 4.44-1.84-745.27Resource Life Ins Co L 96 -2,042 225,726 954,86561506 IL 0

NR NR 0.00NRNRSagicor Life Ins Co L 0 0 0 18860445 TX 0

NR NR NRNRNRSecurity Mut Life Ins Co Of NY L 0 0 0 068772 NY 0

NR 0.06 0.000.000.00Servco Life Ins Co L 7,201 73,279 386,410 1,052,73899465 TX 0

NR NR -0.01-9.29NRShelterpoint Ins Co L 0 0 1,711 197,14989958 FL 0

NR NR -16.69-25.98-27.30Stonebridge Life Ins Co L 0 859,317 988,166 2,166,96165021 VT 0

NR NR 0.000.00NRTRIPLE S BLUE L 0 0 116,491 151,93261158 PR 0

NR 0.00 0.000.000.00Union Fidelity Life Ins Co L 591 6,384 24,550 28,23062596 KS 0

NR NR 8.8218.710.00United Life Ins Co L 0 191 4,923 20,31169973 IA 0

NR NR 0.00NRNRUnity Financial Life Ins Co L 0 0 0 72063819 OH 0

NR NR 1.17-1.03-1.03Universal Underwriters Life Ins Co L 0 -2,428 -5,165 14,97970173 KS 0

NR NR 7.65NRNRUSAA Direct Life Ins Co L 0 0 0 36672613 NE 0

NR NR 0.000.000.00Wateree Life Ins L 0 1,685,544 1,156,822 1,267,76992053 SC 0

2,626.61 1,003.23 -18.95-23.73603.49Landcar Life Ins Co L -78,143 -224,268 2,217,582 5,412,30692274 UT -15,928

136 Companies - COUNTRYWIDE 766,242,213 761,707,896 753,089,161 827,188,169 -7.55 -5.77 -3.41-1.96-4.57763,414,285


CREDIT LIFE

EARNED PREMIUMS





CREDIT LIFEBY STATE

Business Written in the State of

# of Companies Reporting Net Written Premiums for Credit Insurance Earned Premiums $

2016 20162015 20152014 20142013 20132012 2012

Alabama 28 30 29 17,378,276 17,039,559 16,991,795 17,369,70618,329,1812525Alaska 13 14 15 605,754 709,626 498,377 1,086,224520,9171010American Samoa 1 1 1 17,310 36,274 65,283 75,5455,06211Arizona 26 29 31 4,729,800 4,738,846 4,863,500 5,836,4394,473,9472221Arkansas 27 31 34 8,166,375 7,540,157 8,894,516 9,681,0895,926,9462522California 18 21 24 10,279,790 11,369,639 12,601,370 14,442,6029,535,2281517Colorado 26 25 28 4,415,025 4,541,071 4,852,387 5,775,6574,146,0452323Connecticut 19 18 21 4,316,301 4,104,644 3,748,937 3,623,0954,300,3591816Delaware 19 23 23 1,313,367 1,502,472 1,704,846 2,081,7351,205,3071616District Of Columbia 9 9 10 657,763 694,325 749,796 801,896691,81589Florida 27 30 32 34,324,985 35,199,850 35,919,223 39,425,16635,974,0922524Georgia 31 33 34 26,189,533 26,885,237 26,503,164 27,108,22425,770,6512830Guam 7 7 8 3,464,732 3,120,803 2,701,691 2,442,7853,700,61377Hawaii 14 16 18 3,392,882 3,252,703 3,014,655 3,015,6133,140,5441110Idaho 24 23 23 4,820,490 4,617,435 4,553,970 4,867,0695,112,9522221Illinois 32 38 38 21,799,829 22,413,737 22,802,283 23,840,51620,949,0582928Indiana 30 34 32 12,756,396 12,684,457 12,512,859 13,391,15013,008,7082726Iowa 24 24 27 9,788,855 10,392,776 11,158,155 12,282,7919,203,3732223Kansas 29 30 30 10,540,023 10,426,879 10,270,497 10,757,66110,764,2872726Kentucky 24 27 31 18,308,476 18,438,782 18,607,493 19,455,04018,443,9542019Louisiana 32 31 35 34,850,114 34,239,959 33,340,204 42,973,29134,409,9742925Maine 15 15 15 3,170,634 3,211,805 3,498,108 3,595,1613,079,9701516Maryland 23 27 27 7,221,047 7,747,894 8,173,825 9,294,3036,821,9592221Massachusetts 20 22 23 2,564,758 2,878,157 3,460,147 4,494,3082,405,9501618Michigan 29 30 33 29,875,106 28,989,361 28,973,069 29,771,23329,333,8502526Minnesota 21 23 23 6,808,361 7,429,001 8,189,019 9,428,7226,535,6341718Mississippi 30 29 32 23,126,378 21,963,022 21,416,816 20,846,85023,872,4942726Missouri 33 37 38 18,688,460 18,856,408 19,040,422 20,324,40418,040,4763233Montana 19 19 22 1,944,507 2,311,618 2,742,626 3,192,5331,713,8621716Nebraska 21 21 23 4,427,866 4,823,098 5,359,197 5,918,0383,850,5152021Nevada 22 23 25 1,066,374 1,224,668 1,611,697 2,210,473986,0231817New Hampshire 17 18 20 4,834,590 5,067,455 4,587,345 5,381,3354,875,5001413New Jersey 18 20 20 4,715,953 5,136,720 5,828,836 6,771,3574,267,7281618New Mexico 27 29 31 7,309,848 7,467,583 7,181,674 8,422,0186,967,0332527New York 12 15 15 26,765,623 25,725,826 26,219,532 21,384,71426,423,3731113North Carolina 26 28 30 26,614,202 27,502,695 27,824,281 30,062,67626,545,2552525North Dakota 19 19 23 4,604,711 4,711,676 4,716,347 4,760,4744,273,1801616Northern Mariana Islands 3 3 3 259,719 259,200 187,320 128,130230,31933Ohio 29 31 34 21,836,142 22,422,239 22,946,281 24,621,47820,423,8812727



CREDIT LIFEBY STATE


# of Companies Reporting Net Written Premiums for Credit Insurance Earned Premiums $

2016 20162015 20152014 20142013 20132012 2012

Oklahoma 30 30 33 12,263,399 14,690,176 14,579,611 15,892,18611,882,6032725Oregon 24 26 26 4,590,539 5,140,540 5,819,172 6,967,3824,226,8022221Pennsylvania 26 32 29 27,786,946 30,976,716 34,216,475 38,987,85324,303,5702527Puerto Rico 8 9 9 36,818,906 35,607,990 36,103,935 39,097,30632,623,49477Rhode Island 17 17 18 469,970 554,401 695,694 822,997413,3661212South Carolina 26 28 30 22,188,711 23,989,542 22,423,076 22,704,21422,064,4192325South Dakota 19 19 21 3,279,377 3,459,237 3,724,905 4,001,2673,031,7801717Tennessee 34 34 35 28,942,919 29,071,536 29,152,904 31,475,71728,968,4613132Texas 41 40 39 108,891,093 101,624,386 101,285,470 108,833,186109,659,9123434US Virgin Islands 6 6 6 1,770,163 1,976,690 1,841,010 1,988,2311,753,13266Utah 22 23 22 7,733,667 6,994,794 6,992,394 8,201,3098,188,3242022Vermont 13 13 13 1,225,816 1,405,311 1,472,757 1,768,7401,085,0821211Virginia 24 29 30 16,550,356 16,607,774 16,755,256 18,569,34416,955,4722326Washington 23 26 26 3,958,162 4,472,569 5,118,531 6,761,6153,547,1572121West Virginia 23 24 23 5,742,775 6,115,091 6,530,075 7,083,9625,441,0122221Wisconsin 27 30 31 10,487,336 11,026,506 11,581,979 12,901,71210,132,0862424Wyoming 16 19 21 1,361,694 1,521,425 1,748,534 2,021,7871,269,6471413

Total 722,012,185 726,912,343 738,353,317 799,020,309705,806,3301,097 1,096 1,223 1,308 1,373



CREDIT LIFEBY STATE


_________________Earned Premiums $ at Prima Facie Rates_______________

% of Earned Premiums Over or (Under) Earned Premiums at Prima Facie Rates

2016 2015 2014 2013 2012 2016 2015 2014 2013 2012

-8.67 -9.83 -9.37 -15.25 -13.55Alabama 19,271,976 18,801,772 20,050,003 20,092,18120,068,782

-0.96 -1.47 -2.87 -6.85 -12.52Alaska 614,783 730,568 535,018 1,241,696525,991

-14.94 0.00 0.00 0.00 0.00American Samoa 17,310 36,274 65,283 75,5455,951

6.57 5.37 5.70 1.42 4.71Arizona 4,488,747 4,483,098 4,795,173 5,574,0914,198,079

-5.36 -4.19 -4.71 -4.25 -3.76Arkansas 8,523,714 7,913,113 9,288,980 10,059,1896,262,405

-19.82 -19.81 -19.44 -19.89 -19.52California 12,819,615 14,112,450 15,729,467 17,945,78511,892,032

-3.12 -5.08 -3.38 -7.16 -3.55Colorado 4,651,259 4,699,988 5,226,840 5,988,4464,279,659

-11.75 -2.91 -3.81 -3.23 -2.44Connecticut 4,445,475 4,267,347 3,873,983 3,713,8074,872,990

-5.10 -7.44 -9.12 -2.39 -8.48Delaware 1,418,939 1,653,230 1,746,617 2,274,5311,270,067

-10.18 -7.40 -7.42 -8.66 -9.20District Of Columbia 710,348 749,974 820,919 883,165770,243

-9.00 -9.00 -8.54 -6.68 -2.76Florida 37,720,099 38,488,260 38,491,359 40,543,73739,533,234

-0.61 -1.54 -1.78 -2.21 -2.10Georgia 26,599,288 27,372,918 27,100,821 27,689,37225,927,969

-0.02 -0.11 -0.08 -0.21 -0.20Guam 3,468,598 3,123,336 2,707,288 2,447,6593,701,225

-1.37 0.22 -1.21 -1.95 -1.55Hawaii 3,385,297 3,292,422 3,074,563 3,063,0723,184,193

-15.09 -6.79 -3.49 145.94 -3.81Idaho 5,171,787 4,784,559 -9,912,590 5,059,8456,021,952

-2.55 1.30 -2.14 -2.19 -1.83Illinois 21,520,089 22,905,007 23,312,008 24,284,87821,497,929

-4.42 -4.77 -8.74 -11.59 -3.87Indiana 13,395,158 13,898,982 14,154,008 13,930,11213,610,325

-0.16 -0.32 -0.17 -0.23 0.81Iowa 9,820,696 10,410,224 11,184,421 12,183,8979,218,492

-26.33 -25.64 -23.88 -10.56 -6.38Kansas 14,174,517 13,697,337 11,483,402 11,490,29014,610,665

-12.34 -11.43 -4.36 -4.44 -4.22Kentucky 20,671,959 19,280,002 19,471,142 20,311,18421,040,937

-25.13 -24.06 -16.59 -11.68 -9.05Louisiana 45,889,736 41,052,643 37,747,722 47,251,65845,956,619

-4.03 -6.77 -6.13 -5.85 -5.74Maine 3,400,932 3,421,557 3,715,374 3,814,0583,209,220

-40.43 -35.02 -29.41 -20.75 -18.16Maryland 11,112,372 10,975,960 10,313,917 11,356,53311,451,887

-10.54 -4.43 -6.96 -7.76 -6.59Massachusetts 2,683,727 3,093,445 3,751,221 4,811,5222,689,406

-8.09 -8.03 -5.72 0.91 -0.15Michigan 32,483,840 30,746,975 28,711,572 29,815,15031,916,640

3.03 1.44 0.28 -2.41 0.31Minnesota 6,711,893 7,408,192 8,391,443 9,399,4516,343,661

-13.68 -13.07 -13.16 -10.64 -10.15Mississippi 26,602,097 25,292,808 23,965,844 23,201,14127,654,367

7.82 7.08 6.34 5.27 4.48Missouri 17,452,248 17,731,421 18,087,014 19,452,14816,731,419

-0.79 -1.66 -0.85 -1.42 -1.32Montana 1,977,325 2,331,375 2,782,222 3,235,1541,727,431

4.28 0.18 -0.31 -0.60 -0.35Nebraska 4,419,866 4,837,855 5,391,502 5,939,1073,692,428

3.27 0.39 1.78 3.04 0.88Nevada 1,062,240 1,203,201 1,564,192 2,191,256954,785

-46.57 -28.42 -35.27 -33.62 -32.98New Hampshire 6,753,869 7,828,498 6,910,610 8,028,9279,125,011

0.63 0.93 -3.40 -5.08 -5.63New Jersey 4,672,278 5,317,399 6,140,752 7,175,4514,241,200

3.78 0.41 4.35 4.64 7.39New Mexico 7,279,907 7,156,139 6,863,292 7,842,5756,713,418

-27.84 -15.85 -17.79 -15.96 -14.98New York 31,805,555 31,290,989 31,200,102 25,152,33236,617,845

-7.28 -6.03 -4.90 -4.29 -3.05North Carolina 28,321,834 28,920,715 29,071,395 31,009,96128,628,861

-1.86 -1.67 -1.75 -1.58 -1.62North Dakota 4,683,066 4,795,441 4,791,981 4,838,7364,354,058

0.00 -0.72 -0.76 0.00 -0.68Northern Mariana Islands 261,594 261,181 187,320 129,012230,318

-11.29 -11.12 -6.31 -5.88 -4.67Ohio 24,568,162 23,931,202 24,379,656 25,828,43523,022,602



CREDIT LIFEBY STATE


_________________Earned Premiums $ at Prima Facie Rates_______________

% of Earned Premiums Over or (Under) Earned Premiums at Prima Facie Rates

2016 2015 2014 2013 2012 2016 2015 2014 2013 2012

-0.71 -0.50 -0.81 -2.27 -2.31Oklahoma 12,325,298 14,809,429 14,918,384 16,268,19611,967,977

-1.01 -0.53 -0.08 -0.55 -0.86Oregon 4,614,898 5,144,526 5,851,237 7,027,7194,269,830

-0.35 2.02 0.31 -0.76 -1.43Pennsylvania 27,236,586 30,882,462 34,477,900 39,554,11924,389,549

-19.95 -20.30 -16.44 -14.02 -13.19Puerto Rico 46,197,038 42,614,913 41,989,764 45,037,73640,753,187

-31.87 15.69 -4.74 -9.33 -8.20Rhode Island 406,218 581,977 767,251 896,555606,733

-1.68 -1.62 -3.56 -3.43 -3.02South Carolina 22,554,115 24,875,656 23,218,985 23,411,40822,440,741

-6.23 -5.16 -5.27 -4.69 -4.02South Dakota 3,457,843 3,651,574 3,908,318 4,168,6973,233,139

-12.68 -4.40 0.01 -1.05 -1.47Tennessee 30,274,867 29,069,592 29,461,978 31,943,76833,176,354

17.00 16.09 16.10 16.18 12.99Texas 93,795,005 87,529,029 87,176,844 96,317,18593,729,461

-1.31 1.64 0.06 0.70 7.27US Virgin Islands 1,741,616 1,975,602 1,828,293 1,853,5031,776,430

-23.24 -17.66 -3.06 -13.60 -16.60Utah 9,391,885 7,215,584 8,092,921 9,833,40810,667,560

-7.29 -6.25 -6.91 -6.53 -5.22Vermont 1,307,561 1,509,624 1,575,686 1,866,0871,170,359

1.16 3.16 1.04 -2.89 -8.91Virginia 16,043,785 16,436,364 17,254,159 20,385,63416,761,123

7.76 1.97 1.44 -2.21 -1.81Washington 3,881,629 4,409,030 5,234,306 6,886,4063,291,682

-0.92 0.26 0.30 -1.26 -1.60West Virginia 5,727,766 6,096,677 6,613,468 7,199,1565,491,589

-4.93 -3.58 -0.38 -1.63 -1.94Wisconsin 10,876,899 11,069,117 11,774,232 13,156,53310,657,964

-0.52 -1.11 -1.13 -1.75 -1.71Wyoming 1,377,012 1,538,883 1,779,600 2,056,9711,276,309

-3.41-1.96-4.57-5.77-7.55827,188,169753,089,161761,707,896766,242,213Total 763,414,285


CREDIT LIFE

NET WRITTEN PREMIUMS




2016 CREDIT EXPERIENCE REPORTNet Written Premiums


Net Written Premiums $

COCODE COMPANY NAME DOM

BusinessType 2016 2015 2014 2013 2012

62626 CMFG Life Ins Co IA L 195,648,375 187,059,277 177,423,671 176,638,870202,481,393

61751 Central States H & L Co Of Omaha NE L 69,367,016 74,060,168 71,751,563 67,315,46056,669,058

66168 Minnesota Life Ins Co MN L 51,328,108 46,972,316 43,207,727 45,445,24754,716,180

97691 Life Of The South Ins Co GA L 48,293,036 37,220,992 27,994,073 23,678,95446,829,269

65951 Merit Life Ins Co IN L 53,699,045 50,070,702 37,783,427 25,265,69545,272,926

60518 American Hlth & Life Ins Co TX L 54,817,727 58,196,083 57,588,595 51,636,14839,345,216

60739 American Natl Ins Co TX L 26,600,025 26,287,532 27,419,346 27,972,56726,533,275

97152 Plateau Ins Co TN L 23,952,849 19,048,131 15,214,179 11,921,21424,545,380

60275 American Bankers Life Assur Co Of FL FL L 20,001,821 33,744,633 50,535,106 54,819,36716,562,425

73156 Caribbean Amer Life Assur Co PR L 15,614,319 16,068,913 15,340,317 15,828,79614,058,561

61298 Bankers Life Of LA LA L 12,598,898 11,503,231 10,505,309 10,370,85211,772,182

68136 Protective Life Ins Co TN L 13,457,962 15,707,335 18,104,798 19,327,24611,390,448

79715 Cooperativa De Seguros De Vida PR L 10,466,591 10,800,494 10,138,514 11,074,16110,626,772

67628 Pekin Life Ins Co IL L 10,399,060 9,789,362 9,729,272 7,450,88010,472,547

93777 Pavonia Life Ins Co of MI MI L 16,526,162 23,183,784 28,244,171 38,084,2319,531,061

86231 Transamerica Life Ins Co IA L 22,618,537 25,342,378 25,169,130 23,905,6569,482,208

10952 Transamerica Cas Ins Co OH P 0 0 0 08,583,308

98736 American Federated Life Ins Co MS L 7,973,063 7,052,830 6,629,253 7,139,2307,901,294

65811 American Modern Life Ins Co OH L 7,496,868 9,094,203 9,345,909 12,906,7205,101,582

99538 SWBC Life Ins Co TX L 1,334,175 982,543 663,780 509,2695,023,818

76007 Old United Life Ins Co AZ L 4,113,001 5,686,375 5,617,902 4,862,7494,685,369

77054 MAPFRE Life Ins Co of PR PR L 7,572,149 3,821,973 2,763,907 4,106,1254,460,091

60242 Southern Financial Life Ins Co KY L 3,689,664 3,252,234 3,629,543 3,574,5853,869,557

64904 Investors Heritage Life Ins Co KY L 3,546,803 3,421,258 3,487,675 3,943,5483,821,755

66281 Transamerica Premier Life Ins Co IA L 10,535,600 7,962,700 9,042,813 8,262,0973,475,158

70548 Wichita Natl Life Ins Co OK L 3,239,347 3,601,379 4,213,544 4,559,4403,131,345

70688 Transamerica Financial Life Ins Co NY L 4,366,614 4,090,050 4,563,298 4,649,4272,578,289

93742 Securian Life Ins Co MN L 2,019,028 3,035,404 2,471,572 1,551,7402,437,013

60041 UNIVERSAL LIFE INS CO PR L 2,652,138 5,795,046 8,315,783 6,526,5432,155,238

60836 American Republic Ins Co IA L 2,255,193 2,700,215 3,447,599 4,597,8292,140,454

80020 Mountain Life Ins Co TN L 2,254,247 2,084,721 2,345,485 2,629,0322,071,433

77976 Gulf Guar Life Ins Co MS L 2,507,543 2,501,241 2,800,013 2,649,8642,047,160

60488 American Gen Life Ins Co TX L -49,586 4,229,305 4,454,999 5,459,3702,000,355

74365 Southern Pioneer Life Ins Co AR L 1,932,437 1,926,307 1,086,900 2,543,0441,670,106

79340 Pavonia Life Ins Co NY NY L 1,704,082 1,478,107 1,720,111 -4,227,8041,493,836

77690 Trans City Life Ins Co AZ L 1,653,846 1,842,121 1,829,453 1,429,9981,477,501

81779 Individual Assur Co Life Hlth & Acc OK L 2,221,349 4,865,088 7,056,435 7,863,0961,308,096

85677 Life Assur Co Inc OK L 1,535,390 1,686,864 1,768,082 2,256,3361,232,238






BusinessType 2016 2015 2014 2013 2012

60244 Kentucky Home Life Ins Co KY L 1,191,061 974,610 960,421 1,079,0251,099,439

65480 Old Spartan Life Ins Co Inc SC L 1,118,475 1,200,353 1,542,032 1,460,8431,004,846

93650 Versant Life Ins Co MS L 772,925 631,643 460,443 483,731987,770

71323 Zale Life Ins Co AZ L 933,268 1,019,963 1,018,984 961,318928,806

86118 Arkansas Bankers Life Ins Co AR L 942,095 915,315 0 1,083,855816,813

72087 Multinational Life Ins Co PR L 1,678,570 1,915,894 2,160,204 2,434,894705,883

81477 Union Security Life Ins Co of NY NY L 554,183 599,959 774,161 920,471511,272

74233 First Natl Life Ins Co Of USA NE L 711,952 675,298 734,857 829,740470,484

71463 CICA Life Ins Co of Amer CO L 443,013 431,514 381,009 389,392399,633

70106 United States Life Ins Co in the Cit NY L 402,723 530,504 632,343 677,513322,906

74470 Great Central Life Ins Co LA L 342,855 392,482 450,888 470,364319,842

13762 American Natl Lif Ins Co of NY NY L 0 0 0 0300,312

64211 Guarantee Trust Life Ins Co IL L 1,285,128 1,775,506 3,148,593 6,890,183266,922

62650 Delta Life Ins Co GA L 245,862 258,229 248,937 261,190241,072

60534 American Heritage Life Ins Co FL L 191,129 47,239 -197,208 1,752,138169,758

88536 Protective Life & Annuity Ins Co AL L 186,949 262,946 291,130 403,858154,511

75094 Life Ins Co Of LA LA L 291,481 285,339 365,251 373,264153,327

62383 Centurion Life Ins Co IA L 195,953 317,041 799,529 1,732,221123,752

93521 General Fidelity Life Ins Co SC L 141,609 201,586 305,673 430,62897,336

60246 Netcare Life & Hlth Ins Co GU L 61,721 32,896 31,592 30,28072,976

71870 Fidelity Security Life Ins Co MO L 23,077 35,301 43,139 49,92419,263

60895 American United Life Ins Co IN L 52,733 86,745 148,056 199,40216,397

98868 Sheridan Life Ins Co OK L 4,568 3,839 34,462 45,29015,620

15940 Assurity Life Ins Co of NY NY L 0 0 0 010,162

62235 Unum Life Ins Co Of Amer ME L 9,144 0 0 08,234

62553 Country Life Ins Co IL L 8,748 9,497 10,467 11,1687,922

70435 The Savings Bank Life Ins Co Of MA MA L 8,641 11,905 15,963 19,4146,843

71480 Great Western Ins Co UT L 8,098 6,971 9,956 12,3643,933

92649 American Underwriters Life Ins Co AZ L 1,678 29,278 0 02,083

61492 Athene Annuity & Life Assur Co DE L 2,125 2,649 3,566 4,5731,892

62928 EMC Natl Life Co IA L 1,156 989 1,711 1,9771,106

93815 Pacific Century Life Ins Corp AZ L 0 62,855 177,086 134,1791,072

61476 Boston Mut Life Ins Co MA L 218 260 332 384161

69663 USAA Life Ins Co TX L 70 128 -13,937 056

69477 Time Ins Co WI L 1,260 1,199 1,946 3,02112

99724 LifeShield Natl Ins Co OK L 8 22 0 33810

60054 Aetna Life Ins Co CT L 0 0 0 00

60186 Allstate Life Ins Co IL L 0 0 0 00






BusinessType 2016 2015 2014 2013 2012

68373 American Gen Assur Co IL L 0 0 0 00

66842 American Gen Life Ins Co of DE DE L 0 0 0 00

71439 Assurity Life Ins Co NE L 0 0 0 00

68160 Balboa Life Ins Co CA L 0 0 -60 00

10097 Balboa Life Ins Co Of NY NY L 0 0 0 00

61212 Baltimore Life Ins Co MD L 0 0 0 -2190

81043 Bankers Life Ins Co NC L 0 0 0 00

61824 Cherokee Natl Life Ins Co GA L 0 0 2,557,502 3,541,4830

61921 Citizens Security Life Ins Co KY L 0 0 0 00

88374 Commonwealth Dealers Life Ins Co VA L 0 -24 -236 -1660

78301 Corvesta Life Ins Co AZ L 0 0 0 00

85090 Dearborn Natl Life Ins Co of NY NY L 0 0 -208 -2,4530

89087 Enterprise Life Ins Co TX L -21 -4,009 -49,887 -139,1050

94579 First Assur Life Of Amer LA L 0 0 0 9,763,4080

83992 Foundation Life Ins Co Of AR AR L 500,612 0 483,990 457,7470

75612 Gulf States Life Ins Co LA L -244 -3,127 -26,853 686,6620

65838 John Hancock Life Ins Co USA MI L 0 237 721 2,6640

65676 Lincoln Natl Life Ins Co IN L 0 0 -804 00

61018 Magna Ins Co MS L 0 0 0 00

97055 Mega Life & Hlth Ins Co The OK L 0 0 -119 -1,4360

65978 Metropolitan Life Ins Co NY L 0 0 8,553 162,7320

66087 Mid West Natl Life Ins Co Of TN TX L -115 -319 -123 -8850

73989 Mililani Life Ins Co Ltd HI L 99,763 101,592 0 4,8200

68349 North Amer Ins Co WI L 0 -4,477 -10,883 -1,0370

67261 Old Republic Life Ins Co IL L -44 -103 -2,400 -1480

88080 Omaha Hlth Ins Co NE L 0 0 -2,416 -1880

76112 Oxford Life Ins Co AZ L 0 -55 -2,982 00

71099 Parker Centennial Assur Co WI L 0 0 0 00

89007 Pavonia Life Ins Co Of DE DE L 0 132,536 161,156 227,2040

71803 Pemco Life Ins Co WA L 0 0 0 00

76503 Port O Call Life Ins Co AR L 0 0 63,861 71,4340

68195 Provident Life & Accident Ins Co TN L 0 4,269 6,572 6,9020

68241 Prudential Ins Co Of Amer NJ L 0 0 0 00

61506 Resource Life Ins Co IL L 16 -29,182 385 -94,1510

60445 Sagicor Life Ins Co TX L 0 0 0 00

68772 Security Mut Life Ins Co Of NY NY L 0 0 0 00

99465 Servco Life Ins Co TX L -752 -19,800 -32,624 -113,6670

89958 Shelterpoint Ins Co FL L 0 0 -10,072 -66,4650






BusinessType 2016 2015 2014 2013 2012

69094 State Farm Life & Accident Asr Co IL L 0 0 -12 -1100

65021 Stonebridge Life Ins Co VT L 0 624,702 731,410 1,805,2750

69523 Trans Oceanic Life Ins Co PR L 0 -221 -7,308 2,0250

61158 TRIPLE S BLUE PR L 0 0 81,659 114,5460

62596 Union Fidelity Life Ins Co KS L 0 -36 -807 -18,7260

69973 United Life Ins Co IA L 0 0 0 -1410

63819 Unity Financial Life Ins Co OH L 0 0 0 00

70173 Universal Underwriters Life Ins Co KS L 0 -2,459 -7,515 -69,8670

72613 USAA Direct Life Ins Co NE L 0 0 0 2800

92053 Wateree Life Ins SC L 0 1,241,834 1,240,401 1,147,1770

79049 Alfa Life Ins Corp AL L -1,016 -750 -2,812 -3710

69108 State Farm Life Ins Co IL L -42 -278 -756 -3,574-1

87645 United Fidelity Life Ins Co TX L 0 -157 -1,158 769-30

68632 Vantis Life Ins Co CT L 62 -277 137 2,589-61

65560 Life Protection Ins Co TX L -5,456 29,468 125,653 109,199-411

65757 Shelter Life Ins Co MO L -3,785 -9,676 -8,623 51,643-617

91448 Southwest Credit Life Inc NM L -4,481 -17,618 74,177 85,014-1,175

77151 Service Life & Cas Ins Co TX L -3,139 -103,988 -126,516 -443,737-2,005

94447 Century Life Ass Co OK L -147 9,127 45,201 29,953-2,341

61409 National Benefit Life Ins Co NY L 75,068 194,984 65,474 685,676-3,674

92274 Landcar Life Ins Co UT L -64,215 -186,423 693,612 2,291,527-17,844

71455 Financial Amer Life Ins Co KS L -853,006 -2,082,764 6,194,112 14,085,037-276,929

COMPANIES - COUNTRYWIDE 731,494,015 738,758,257 740,184,243 756,053,845671,891,236136




Net Written Premiums % Change

% of Total Net Written Premiums (Market Share)

COCODE COMPANY NAME DOMBusiness

Type 2016 20162015 20152014 20142013 20132012 2012

3.49 4.59 5.43 0.44 -0.52 30.14 26.75 25.32 23.97 23.3662626 CMFG Life Ins Co IA L

-18.31 -6.34 3.22 6.59 18.27 8.43 9.48 10.02 9.69 8.9061751 Central States H & L Co Of Omaha NE L

6.60 9.27 8.71 -4.92 -6.31 8.14 7.02 6.36 5.84 6.0166168 Minnesota Life Ins Co MN L

-3.03 29.75 32.96 18.22 15.05 6.97 6.60 5.04 3.78 3.1397691 Life Of The South Ins Co GA L

-15.69 7.25 32.52 49.54 7.66 6.74 7.34 6.78 5.10 3.3465951 Merit Life Ins Co IN L

-28.23 -5.81 1.05 11.53 -5.15 5.86 7.49 7.88 7.78 6.8360518 American Hlth & Life Ins Co TX L

-0.25 1.19 -4.13 -1.98 3.98 3.95 3.64 3.56 3.70 3.7060739 American Natl Ins Co TX L

2.47 25.75 25.20 27.62 23.04 3.65 3.27 2.58 2.06 1.5897152 Plateau Ins Co TN L

-17.20 -40.73 -33.23 -7.82 -6.32 2.47 2.73 4.57 6.83 7.2560275 American Bankers Life Assur Co Of FL FL L

-9.96 -2.83 4.75 -3.09 10.57 2.09 2.13 2.18 2.07 2.0973156 Caribbean Amer Life Assur Co PR L

-6.56 9.52 9.50 1.30 16.31 1.75 1.72 1.56 1.42 1.3761298 Bankers Life Of LA LA L

-15.36 -14.32 -13.24 -6.32 0.70 1.70 1.84 2.13 2.45 2.5668136 Protective Life Ins Co TN L

1.53 -3.09 6.53 -8.45 -6.68 1.58 1.43 1.46 1.37 1.4679715 Cooperativa De Seguros De Vida PR L

0.71 6.23 0.62 30.58 29.67 1.56 1.42 1.33 1.31 0.9967628 Pekin Life Ins Co IL L

-42.33 -28.72 -17.92 -25.84 -14.30 1.42 2.26 3.14 3.82 5.0493777 Pavonia Life Ins Co of MI MI L

-58.08 -10.75 0.69 5.29 49.06 1.41 3.09 3.43 3.40 3.1686231 Transamerica Life Ins Co IA L

NR NR NR NR NR 1.28 0.00 0.00 0.00 0.0010952 Transamerica Cas Ins Co OH P

-0.90 13.05 6.39 -7.14 4.83 1.18 1.09 0.95 0.90 0.9498736 American Federated Life Ins Co MS L

-31.95 -17.56 -2.69 -27.59 -24.22 0.76 1.02 1.23 1.26 1.7165811 American Modern Life Ins Co OH L

276.55 35.79 48.02 30.34 44.60 0.75 0.18 0.13 0.09 0.0799538 SWBC Life Ins Co TX L

13.92 -27.67 1.22 15.53 22.93 0.70 0.56 0.77 0.76 0.6476007 Old United Life Ins Co AZ L

-41.10 98.12 38.28 -32.69 -17.79 0.66 1.04 0.52 0.37 0.5477054 MAPFRE Life Ins Co of PR PR L

4.88 13.45 -10.40 1.54 0.27 0.58 0.50 0.44 0.49 0.4760242 Southern Financial Life Ins Co KY L

7.75 3.67 -1.90 -11.56 -5.08 0.57 0.48 0.46 0.47 0.5264904 Investors Heritage Life Ins Co KY L

-67.02 32.31 -11.94 9.45 -3.35 0.52 1.44 1.08 1.22 1.0966281 Transamerica Premier Life Ins Co IA L

-3.33 -10.05 -14.53 -7.59 9.68 0.47 0.44 0.49 0.57 0.6070548 Wichita Natl Life Ins Co OK L

-40.95 6.76 -10.37 -1.85 0.50 0.38 0.60 0.55 0.62 0.6170688 Transamerica Financial Life Ins Co NY L

20.70 -33.48 22.81 59.28 39.58 0.36 0.28 0.41 0.33 0.2193742 Securian Life Ins Co MN L

-18.74 -54.23 -30.31 27.41 NR 0.32 0.36 0.78 1.12 0.8660041 UNIVERSAL LIFE INS CO PR L

-5.09 -16.48 -21.68 -25.02 -15.99 0.32 0.31 0.37 0.47 0.6160836 American Republic Ins Co IA L

-8.11 8.13 -11.12 -10.79 -8.05 0.31 0.31 0.28 0.32 0.3580020 Mountain Life Ins Co TN L

-18.36 0.25 -10.67 5.67 -13.56 0.30 0.34 0.34 0.38 0.3577976 Gulf Guar Life Ins Co MS L

4,134.11 -101.17 -5.07 -18.40 NR 0.30 -0.01 0.57 0.60 0.7260488 American Gen Life Ins Co TX L

-13.58 0.32 77.23 -57.26 -46.39 0.25 0.26 0.26 0.15 0.3474365 Southern Pioneer Life Ins Co AR L

-12.34 15.29 -14.07 140.69 -208.27 0.22 0.23 0.20 0.23 -0.5679340 Pavonia Life Ins Co NY NY L

-10.66 -10.22 0.69 27.93 -18.60 0.22 0.23 0.25 0.25 0.1977690 Trans City Life Ins Co AZ L







Type 2016 20162015 20152014 20142013 20132012 2012

-41.11 -54.34 -31.05 -10.26 1.72 0.19 0.30 0.66 0.95 1.0481779 Individual Assur Co Life Hlth & Acc OK L

-19.74 -8.98 -4.59 -21.64 18.45 0.18 0.21 0.23 0.24 0.3085677 Life Assur Co Inc OK L

-7.69 22.21 1.48 -10.99 -26.60 0.16 0.16 0.13 0.13 0.1460244 Kentucky Home Life Ins Co KY L

-10.16 -6.82 -22.16 5.56 4.99 0.15 0.15 0.16 0.21 0.1965480 Old Spartan Life Ins Co Inc SC L

27.80 22.37 37.18 -4.81 4.92 0.15 0.11 0.09 0.06 0.0693650 Versant Life Ins Co MS L

-0.48 -8.50 0.10 6.00 26.10 0.14 0.13 0.14 0.14 0.1371323 Zale Life Ins Co AZ L

-13.30 2.93 NR -100.00 11.54 0.12 0.13 0.12 0.00 0.1486118 Arkansas Bankers Life Ins Co AR L

-57.95 -12.39 -11.31 -11.28 NR 0.11 0.23 0.26 0.29 0.3272087 Multinational Life Ins Co PR L

-7.74 -7.63 -22.50 -15.90 -2.63 0.08 0.08 0.08 0.10 0.1281477 Union Security Life Ins Co of NY NY L

-33.92 5.43 -8.10 -11.44 -19.91 0.07 0.10 0.09 0.10 0.1174233 First Natl Life Ins Co Of USA NE L

-9.79 2.66 13.26 -2.15 0.79 0.06 0.06 0.06 0.05 0.0571463 CICA Life Ins Co of Amer CO L

-19.82 -24.09 -16.11 -6.67 -17.07 0.05 0.06 0.07 0.09 0.0970106 United States Life Ins Co in the Cit NY L

-6.71 -12.64 -12.95 -4.14 -4.77 0.05 0.05 0.05 0.06 0.0674470 Great Central Life Ins Co LA L

NR NR NR NR NR 0.04 0.00 0.00 0.00 0.0013762 American Natl Lif Ins Co of NY NY L

-79.23 -27.62 -43.61 -54.30 -12.18 0.04 0.18 0.24 0.43 0.9164211 Guarantee Trust Life Ins Co IL L

-1.95 -4.79 3.73 -4.69 -15.54 0.04 0.03 0.03 0.03 0.0362650 Delta Life Ins Co GA L

-11.18 304.60 123.95 -111.26 -80.18 0.03 0.03 0.01 -0.03 0.2360534 American Heritage Life Ins Co FL L

-17.35 -28.90 -9.68 -27.91 -14.86 0.02 0.03 0.04 0.04 0.0588536 Protective Life & Annuity Ins Co AL L

-47.40 2.15 -21.88 -2.15 67.26 0.02 0.04 0.04 0.05 0.0575094 Life Ins Co Of LA LA L

-36.85 -38.19 -60.35 -53.84 -42.07 0.02 0.03 0.04 0.11 0.2362383 Centurion Life Ins Co IA L

-31.26 -29.75 -34.05 -29.02 -19.57 0.01 0.02 0.03 0.04 0.0693521 General Fidelity Life Ins Co SC L

18.24 87.62 4.13 4.33 -19.36 0.01 0.01 0.00 0.00 0.0060246 Netcare Life & Hlth Ins Co GU L

-16.53 -34.63 -18.17 -13.59 -31.66 0.00 0.00 0.00 0.01 0.0171870 Fidelity Security Life Ins Co MO L

-68.91 -39.21 -41.41 -25.75 -25.07 0.00 0.01 0.01 0.02 0.0360895 American United Life Ins Co IN L

241.94 18.99 -88.86 -23.91 -42.93 0.00 0.00 0.00 0.00 0.0198868 Sheridan Life Ins Co OK L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0015940 Assurity Life Ins Co of NY NY L

-9.95 NR NR NR NR 0.00 0.00 0.00 0.00 0.0062235 Unum Life Ins Co Of Amer ME L

-9.44 -7.89 -9.27 -6.28 1.08 0.00 0.00 0.00 0.00 0.0062553 Country Life Ins Co IL L

-20.81 -27.42 -25.42 -17.78 -45.97 0.00 0.00 0.00 0.00 0.0070435 The Savings Bank Life Ins Co Of MA MA L

-51.43 16.17 -29.98 -19.48 -37.44 0.00 0.00 0.00 0.00 0.0071480 Great Western Ins Co UT L

24.14 -94.27 NR NR -100.00 0.00 0.00 0.00 0.00 0.0092649 American Underwriters Life Ins Co AZ L

-10.96 -19.78 -25.73 -22.01 -14.23 0.00 0.00 0.00 0.00 0.0061492 Athene Annuity & Life Assur Co DE L

-4.33 16.89 -42.20 -13.45 -6.21 0.00 0.00 0.00 0.00 0.0062928 EMC Natl Life Co IA L

NR -100.00 -64.51 31.98 23.04 0.00 0.00 0.01 0.02 0.0293815 Pacific Century Life Ins Corp AZ L

-26.15 -16.15 -21.69 -13.54 -13.32 0.00 0.00 0.00 0.00 0.0061476 Boston Mut Life Ins Co MA L

-20.00 -45.31 100.92 NR NR 0.00 0.00 0.00 0.00 0.0069663 USAA Life Ins Co TX L







Type 2016 20162015 20152014 20142013 20132012 2012

-99.05 5.09 -38.39 -35.58 19.22 0.00 0.00 0.00 0.00 0.0069477 Time Ins Co WI L

25.00 -63.64 NR -100.00 686.05 0.00 0.00 0.00 0.00 0.0099724 LifeShield Natl Ins Co OK L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0060054 Aetna Life Ins Co CT L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0060186 Allstate Life Ins Co IL L

NR NR NR NR -100.00 0.00 0.00 0.00 0.00 0.0068373 American Gen Assur Co IL L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0066842 American Gen Life Ins Co of DE DE L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0071439 Assurity Life Ins Co NE L

NR NR 100.00 NR -100.00 0.00 0.00 0.00 0.00 0.0068160 Balboa Life Ins Co CA L

NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.0010097 Balboa Life Ins Co Of NY NY L

NR NR NR 100.00 NR 0.00 0.00 0.00 0.00 0.0061212 Baltimore Life Ins Co MD L

NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.0081043 Bankers Life Ins Co NC L

NR NR -100.00 -27.78 -19.49 0.00 0.00 0.00 0.35 0.4761824 Cherokee Natl Life Ins Co GA L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0061921 Citizens Security Life Ins Co KY L

NR 100.00 89.83 -42.17 84.91 0.00 0.00 0.00 0.00 0.0088374 Commonwealth Dealers Life Ins Co VA L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0078301 Corvesta Life Ins Co AZ L

NR NR 100.00 91.52 -12,810.53 0.00 0.00 0.00 0.00 0.0085090 Dearborn Natl Life Ins Co of NY NY L

100.00 99.48 91.96 64.14 52.01 0.00 0.00 0.00 -0.01 -0.0289087 Enterprise Life Ins Co TX L

NR NR NR -100.00 12.22 0.00 0.00 0.00 0.00 1.2994579 First Assur Life Of Amer LA L

-100.00 NR -100.00 5.73 -15.07 0.00 0.07 0.00 0.07 0.0683992 Foundation Life Ins Co Of AR AR L

100.00 92.19 88.36 -103.91 -0.64 0.00 0.00 0.00 0.00 0.0975612 Gulf States Life Ins Co LA L

NR -100.00 -67.13 -72.94 -6.56 0.00 0.00 0.00 0.00 0.0065838 John Hancock Life Ins Co USA MI L

NR NR 100.00 NR NR 0.00 0.00 0.00 0.00 0.0065676 Lincoln Natl Life Ins Co IN L

NR NR NR NR -100.00 0.00 0.00 0.00 0.00 0.0061018 Magna Ins Co MS L

NR NR 100.00 91.71 42.24 0.00 0.00 0.00 0.00 0.0097055 Mega Life & Hlth Ins Co The OK L

NR NR -100.00 -94.74 -50.15 0.00 0.00 0.00 0.00 0.0265978 Metropolitan Life Ins Co NY L

100.00 63.95 -159.35 86.10 64.24 0.00 0.00 0.00 0.00 0.0066087 Mid West Natl Life Ins Co Of TN TX L

-100.00 -1.80 NR -100.00 NR 0.00 0.01 0.01 0.00 0.0073989 Mililani Life Ins Co Ltd HI L

NR 100.00 58.86 -949.43 54.91 0.00 0.00 0.00 0.00 0.0068349 North Amer Ins Co WI L

100.00 57.28 95.71 -1,521.62 98.08 0.00 0.00 0.00 0.00 0.0067261 Old Republic Life Ins Co IL L

NR NR 100.00 -1,185.11 -97.89 0.00 0.00 0.00 0.00 0.0088080 Omaha Hlth Ins Co NE L

NR 100.00 98.15 NR 100.00 0.00 0.00 0.00 0.00 0.0076112 Oxford Life Ins Co AZ L

NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.0071099 Parker Centennial Assur Co WI L

NR -100.00 -17.76 -29.07 -4.00 0.00 0.00 0.02 0.02 0.0389007 Pavonia Life Ins Co Of DE DE L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0071803 Pemco Life Ins Co WA L

NR NR -100.00 -10.60 16.09 0.00 0.00 0.00 0.01 0.0176503 Port O Call Life Ins Co AR L

NR -100.00 -35.04 -4.78 -2.53 0.00 0.00 0.00 0.00 0.0068195 Provident Life & Accident Ins Co TN L







Type 2016 20162015 20152014 20142013 20132012 2012

NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.0068241 Prudential Ins Co Of Amer NJ L

-100.00 100.05 -7,672.90 100.41 64.04 0.00 0.00 0.00 0.00 -0.0161506 Resource Life Ins Co IL L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0060445 Sagicor Life Ins Co TX L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0068772 Security Mut Life Ins Co Of NY NY L

100.00 96.20 39.31 71.30 66.44 0.00 0.00 0.00 0.00 -0.0299465 Servco Life Ins Co TX L

NR NR 100.00 84.85 25.49 0.00 0.00 0.00 0.00 -0.0189958 Shelterpoint Ins Co FL L

NR NR 100.00 89.09 75.39 0.00 0.00 0.00 0.00 0.0069094 State Farm Life & Accident Asr Co IL L

NR -100.00 -14.59 -59.48 -15.59 0.00 0.00 0.08 0.10 0.2465021 Stonebridge Life Ins Co VT L

NR 100.00 96.98 -460.89 -95.15 0.00 0.00 0.00 0.00 0.0069523 Trans Oceanic Life Ins Co PR L

NR NR -100.00 -28.71 NR 0.00 0.00 0.00 0.01 0.0261158 TRIPLE S BLUE PR L

NR 100.00 95.53 95.69 37.43 0.00 0.00 0.00 0.00 0.0062596 Union Fidelity Life Ins Co KS L

NR NR NR 100.00 87.16 0.00 0.00 0.00 0.00 0.0069973 United Life Ins Co IA L

NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.0063819 Unity Financial Life Ins Co OH L

NR 100.00 67.28 89.24 69.67 0.00 0.00 0.00 0.00 -0.0170173 Universal Underwriters Life Ins Co KS L

NR NR NR -100.00 -30.86 0.00 0.00 0.00 0.00 0.0072613 USAA Direct Life Ins Co NE L

NR -100.00 0.12 8.13 -10.30 0.00 0.00 0.17 0.17 0.1592053 Wateree Life Ins SC L

99.96 -35.52 73.34 -658.34 91.94 0.00 0.00 0.00 0.00 0.0079049 Alfa Life Ins Corp AL L

97.62 84.89 63.23 78.85 80.25 0.00 0.00 0.00 0.00 0.0069108 State Farm Life Ins Co IL L

NR 100.00 86.44 -250.59 -25.92 0.00 0.00 0.00 0.00 0.0087645 United Fidelity Life Ins Co TX L

-198.39 122.38 -302.19 -94.71 -44.45 0.00 0.00 0.00 0.00 0.0068632 Vantis Life Ins Co CT L

92.47 -118.51 -76.55 15.07 28.56 0.00 0.00 0.00 0.02 0.0165560 Life Protection Ins Co TX L

83.70 60.88 -12.21 -116.70 -57.60 0.00 0.00 0.00 0.00 0.0165757 Shelter Life Ins Co MO L

73.78 74.57 -123.75 -12.75 7.65 0.00 0.00 0.00 0.01 0.0191448 Southwest Credit Life Inc NM L

36.13 96.98 17.81 71.49 65.69 0.00 0.00 -0.01 -0.02 -0.0677151 Service Life & Cas Ins Co TX L

-1,492.52 -101.61 -79.81 50.91 -8.93 0.00 0.00 0.00 0.01 0.0094447 Century Life Ass Co OK L

-104.89 -61.50 197.80 -90.45 -50.66 0.00 0.01 0.03 0.01 0.0961409 National Benefit Life Ins Co NY L

72.21 65.55 -126.88 -69.73 42.98 0.00 -0.01 -0.03 0.09 0.3092274 Landcar Life Ins Co UT L

67.53 59.04 -133.62 -56.02 2.84 -0.04 -0.12 -0.28 0.84 1.8671455 Financial Amer Life Ins Co KS L

COMPANIES - COUNTRYWIDE -8.15 -0.98 -0.19 -2.10 -0.37 100.00 100.00 100.00 100.00 100.00136


CREDIT LIFE






CREDIT LIFEBY STATE

# of Companies Reporting Net Written Premiums for Credit Insurance Net Written Premiums $

Business Written in theState of 2016 20162015 2014 2013 2012 2015 2014 2013 2012

Alabama 25 28 30 29 18,109,949 17,030,564 17,143,972 16,351,74525 18,068,051

Alaska 10 13 14 15 585,912 795,436 807,716 1,053,41310 473,336

American Samoa 1 1 1 1 -3,676 -9,845 -2,993 111,7721 -1,278

Arizona 22 26 29 31 5,043,584 5,578,045 5,339,777 5,364,74721 4,388,762

Arkansas 25 27 31 34 6,444,043 6,383,330 6,800,683 8,664,27722 4,981,408

California 15 18 21 24 10,992,149 11,922,003 13,152,321 14,083,12117 9,219,667

Colorado 23 26 25 28 4,573,162 4,773,740 4,866,950 5,113,53723 4,033,275

Connecticut 18 19 18 21 4,425,108 4,775,595 4,722,404 4,118,59816 4,203,858

Delaware 16 19 23 23 1,371,973 1,473,694 1,678,254 1,976,69216 1,116,419

District Of Columbia 8 9 9 10 655,535 687,122 730,764 792,5369 691,907

Florida 25 27 30 32 35,629,977 35,095,845 33,307,141 30,853,39524 35,272,797

Georgia 28 31 33 34 27,433,158 27,856,858 27,174,319 26,317,64330 25,094,183

Guam 7 7 7 8 3,774,931 4,100,728 3,462,603 3,345,4627 3,740,037

Hawaii 11 14 16 18 3,349,518 3,326,871 3,236,086 2,989,55810 2,996,155

Idaho 22 24 23 23 5,083,469 4,925,027 4,659,498 4,766,71121 5,015,960

Illinois 29 32 38 38 21,354,999 22,744,205 22,819,436 23,020,49028 20,482,724

Indiana 27 30 34 32 13,605,485 13,870,252 13,250,235 12,887,26126 13,138,470

Iowa 22 24 24 27 9,515,288 9,813,249 10,854,968 11,900,40723 8,288,935

Kansas 27 29 30 30 10,460,540 10,102,097 9,728,241 9,921,21726 10,012,030

Kentucky 20 24 27 31 18,787,443 17,997,433 18,024,055 18,256,62719 18,831,178

Louisiana 29 32 31 35 35,196,829 34,435,873 34,208,550 43,357,17825 32,281,296

Maine 15 15 15 15 3,134,499 3,133,290 3,330,412 3,378,87816 2,934,373

Maryland 22 23 27 27 8,446,198 8,288,409 8,211,024 9,271,60921 7,218,322

Massachusetts 16 20 22 23 2,351,657 2,458,541 2,757,112 3,355,11318 2,242,233

Michigan 25 29 30 33 29,278,702 28,689,783 29,326,812 27,847,53626 28,933,981

Minnesota 17 21 23 23 6,513,666 6,861,212 7,638,041 8,654,09918 6,132,196

Mississippi 27 30 29 32 24,111,685 23,694,848 22,677,028 21,653,45626 22,689,095

Missouri 32 33 37 38 19,154,297 19,954,562 19,169,349 20,217,19933 15,010,075

Montana 17 19 19 22 1,858,989 1,936,695 2,469,792 2,900,27416 1,490,586

Nebraska 20 21 21 23 4,157,592 4,410,313 5,030,855 5,294,35921 3,192,780

Nevada 18 22 23 25 911,152 874,084 806,318 1,149,39717 925,342

New Hampshire 14 17 18 20 4,642,363 5,338,045 4,752,762 5,122,50713 4,714,307

New Jersey 16 18 20 20 4,918,835 4,860,347 5,888,986 6,224,97418 3,866,910

New Mexico 25 27 29 31 7,222,864 7,351,240 7,440,390 7,334,75127 6,489,557

New York 11 12 15 15 26,566,242 25,145,860 25,795,720 20,964,57313 26,304,293

North Carolina 25 26 28 30 28,422,305 29,312,574 28,477,899 28,316,70225 26,020,232

North Dakota 16 19 19 23 4,267,953 4,661,779 4,655,715 4,953,04816 3,580,070

Northern Mariana Islands 3 3 3 3 198,165 308,065 297,953 232,1183 260,078

Ohio 27 29 31 34 21,457,333 22,285,652 22,970,909 24,017,66327 19,052,406



CREDIT LIFEBY STATE


Business Written in theState of 2016 20162015 2014 2013 2012 2015 2014 2013 2012

Oklahoma 27 30 30 33 12,211,060 13,317,807 13,768,830 15,217,83825 10,279,034

Oregon 22 24 26 26 4,497,063 5,058,032 5,516,873 6,096,72621 4,040,509

Pennsylvania 25 26 32 29 27,071,636 30,503,429 32,661,940 36,843,71127 22,915,102

Puerto Rico 7 8 9 9 37,443,211 37,818,887 38,024,279 39,429,5477 31,539,242

Rhode Island 12 17 17 18 427,290 531,261 680,278 787,43912 393,384

South Carolina 23 26 28 30 22,889,402 24,073,219 22,851,736 22,221,43825 21,172,442

South Dakota 17 19 19 21 3,109,594 3,077,830 3,412,517 3,587,14817 2,565,445

Tennessee 31 34 34 35 31,915,645 30,646,310 29,694,044 28,845,51232 28,923,337

Texas 34 41 40 39 109,176,815 108,825,967 104,764,514 103,448,78034 101,306,737

US Virgin Islands 6 6 6 6 1,691,704 1,804,415 1,765,294 1,576,4966 1,707,995

Utah 20 22 23 22 7,266,468 6,308,935 6,501,250 6,712,19122 7,706,950

Vermont 12 13 13 13 1,074,574 1,235,109 1,244,716 1,354,43311 926,394

Virginia 23 24 29 30 17,753,522 16,669,231 17,384,911 17,455,61726 16,292,842

Washington 21 23 26 26 4,216,118 4,681,190 5,319,998 5,938,14421 3,333,027

West Virginia 22 23 24 23 5,488,351 5,559,510 6,261,178 6,669,78021 4,851,355

Wisconsin 24 27 30 31 9,960,784 10,013,833 11,043,574 11,892,17424 9,395,413

Wyoming 14 16 19 21 1,296,908 1,389,864 1,626,253 1,842,22913 1,156,020

731,494,015 738,758,257 740,184,243 756,053,845671,891,236Total 1,097 1,096 1,223 1,308 1,373



CREDIT LIFEBY STATE

Net Written Premiums % Change from prior year


Business Written in theState of 2016 20162015 20152014 20142013 20132012 2012

-0.23 6.34 -0.66 4.84 -4.38 2.69 2.48 2.31 2.32 2.16Alabama

-19.21 -26.34 -1.52 -23.32 -28.48 0.07 0.08 0.11 0.11 0.14Alaska

65.23 62.66 -228.93 -102.68 -3.02 0.00 0.00 0.00 0.00 0.01American Samoa

-12.98 -9.58 4.46 -0.47 -14.61 0.65 0.69 0.76 0.72 0.71Arizona

-22.70 0.95 -6.14 -21.51 -1.94 0.74 0.88 0.86 0.92 1.15Arkansas

-16.12 -7.80 -9.35 -6.61 -11.55 1.37 1.50 1.61 1.78 1.86California

-11.81 -4.20 -1.92 -4.82 -4.00 0.60 0.63 0.65 0.66 0.68Colorado

-5.00 -7.34 1.13 14.66 28.91 0.63 0.60 0.65 0.64 0.54Connecticut

-18.63 -6.90 -12.19 -15.10 -9.77 0.17 0.19 0.20 0.23 0.26Delaware

5.55 -4.60 -5.97 -7.79 2.85 0.10 0.09 0.09 0.10 0.10District Of Columbia

-1.00 1.52 5.37 7.95 -5.89 5.25 4.87 4.75 4.50 4.08Florida

-8.53 -1.52 2.51 3.26 -0.41 3.73 3.75 3.77 3.67 3.48Georgia

-0.92 -7.94 18.43 3.50 49.13 0.56 0.52 0.56 0.47 0.44Guam

-10.55 0.68 2.81 8.25 1.48 0.45 0.46 0.45 0.44 0.40Hawaii

-1.33 3.22 5.70 -2.25 0.92 0.75 0.69 0.67 0.63 0.63Idaho

-4.08 -6.11 -0.33 -0.87 0.18 3.05 2.92 3.08 3.08 3.04Illinois

-3.43 -1.91 4.68 2.82 -2.94 1.96 1.86 1.88 1.79 1.70Indiana

-12.89 -3.04 -9.60 -8.78 -5.12 1.23 1.30 1.33 1.47 1.57Iowa

-4.29 3.55 3.84 -1.95 0.91 1.49 1.43 1.37 1.31 1.31Kansas

0.23 4.39 -0.15 -1.27 -0.67 2.80 2.57 2.44 2.44 2.41Kentucky

-8.28 2.21 0.66 -21.10 5.05 4.80 4.81 4.66 4.62 5.73Louisiana

-6.38 0.04 -5.92 -1.43 -3.25 0.44 0.43 0.42 0.45 0.45Maine

-14.54 1.90 0.94 -11.44 -3.87 1.07 1.15 1.12 1.11 1.23Maryland

-4.65 -4.35 -10.83 -17.82 -12.84 0.33 0.32 0.33 0.37 0.44Massachusetts

-1.18 2.05 -2.17 5.31 4.79 4.31 4.00 3.88 3.96 3.68Michigan

-5.86 -5.07 -10.17 -11.74 -7.51 0.91 0.89 0.93 1.03 1.14Minnesota

-5.90 1.76 4.49 4.73 2.69 3.38 3.30 3.21 3.06 2.86Mississippi

-21.64 -4.01 4.10 -5.18 4.35 2.23 2.62 2.70 2.59 2.67Missouri

-19.82 -4.01 -21.58 -14.84 -11.29 0.22 0.25 0.26 0.33 0.38Montana

-23.21 -5.73 -12.33 -4.98 -25.46 0.48 0.57 0.60 0.68 0.70Nebraska

1.56 4.24 8.40 -29.85 21.84 0.14 0.12 0.12 0.11 0.15Nevada

1.55 -13.03 12.31 -7.22 19.81 0.70 0.63 0.72 0.64 0.68New Hampshire

-21.39 1.20 -17.47 -5.40 -10.66 0.58 0.67 0.66 0.80 0.82New Jersey

-10.15 -1.75 -1.20 1.44 2.64 0.97 0.99 1.00 1.01 0.97New Mexico

-0.99 5.65 -2.52 23.04 -31.16 3.91 3.63 3.40 3.49 2.77New York

-8.45 -3.04 2.93 0.57 -5.88 3.87 3.89 3.97 3.85 3.75North Carolina

-16.12 -8.45 0.13 -6.00 14.49 0.53 0.58 0.63 0.63 0.66North Dakota

31.24 -35.67 3.39 28.36 159.00 0.04 0.03 0.04 0.04 0.03Northern Mariana Islands

-11.21 -3.72 -2.98 -4.36 -0.69 2.84 2.93 3.02 3.10 3.18Ohio



CREDIT LIFEBY STATE

Net Written Premiums % Change from prior year


Business Written in theState of 2016 20162015 20152014 20142013 20132012 2012

-15.82 -8.31 -3.28 -9.52 -4.08 1.53 1.67 1.80 1.86 2.01Oklahoma

-10.15 -11.09 -8.32 -9.51 -2.38 0.60 0.61 0.68 0.75 0.81Oregon

-15.35 -11.25 -6.61 -11.35 -7.60 3.41 3.70 4.13 4.41 4.87Pennsylvania

-15.77 -0.99 -0.54 -3.56 29.93 4.69 5.12 5.12 5.14 5.22Puerto Rico

-7.94 -19.57 -21.91 -13.61 -3.87 0.06 0.06 0.07 0.09 0.10Rhode Island

-7.50 -4.92 5.35 2.84 0.58 3.15 3.13 3.26 3.09 2.94South Carolina

-17.50 1.03 -9.81 -4.87 -2.77 0.38 0.43 0.42 0.46 0.47South Dakota

-9.38 4.14 3.21 2.94 0.17 4.30 4.36 4.15 4.01 3.82Tennessee

-7.21 0.32 3.88 1.27 9.59 15.08 14.93 14.73 14.15 13.68Texas

0.96 -6.25 2.22 11.98 -14.18 0.25 0.23 0.24 0.24 0.21US Virgin Islands

6.06 15.18 -2.96 -3.14 -5.90 1.15 0.99 0.85 0.88 0.89Utah

-13.79 -13.00 -0.77 -8.10 -3.73 0.14 0.15 0.17 0.17 0.18Vermont

-8.23 6.50 -4.12 -0.41 -1.06 2.42 2.43 2.26 2.35 2.31Virginia

-20.95 -9.93 -12.01 -10.41 -16.30 0.50 0.58 0.63 0.72 0.79Washington

-11.61 -1.28 -11.21 -6.13 -1.90 0.72 0.75 0.75 0.85 0.88West Virginia

-5.68 -0.53 -9.32 -7.14 -3.29 1.40 1.36 1.36 1.49 1.57Wisconsin

-10.86 -6.69 -14.54 -11.72 11.40 0.17 0.18 0.19 0.22 0.24Wyoming

100.00 100.00 100.00 100.00 100.00-8.15 -0.98 -0.19 -2.10 -0.37Total


CREDIT ACCIDENT AND HEALTH






CREDIT A&HCOUNTRYWIDE

COCODE COMPANY NAME






at Prima Facie Rates2016 -2014


2016 2015 2014 2013 2012

62626 CMFG Life Ins Co 44.23 41.31 42.67 38.70 141,173,083 147,774,580 152,220,308 148,887,172 156,607,59965951 Merit Life Ins Co 49.74 52.05 50.25 52.88 21,652,190 21,121,295 21,651,658 15,032,529 14,039,17966168 Minnesota Life Ins Co 37.16 35.33 34.88 33.05 19,644,221 19,826,780 18,912,096 20,662,887 21,690,85060518 American Hlth & Life Ins Co 41.96 43.90 32.87 34.81 19,353,034 23,616,099 22,582,073 33,307,518 40,617,95397691 Life Of The South Ins Co 18.21 18.13 18.08 17.98 13,297,476 10,352,651 8,914,619 6,862,825 8,334,25461751 Central States H & L Co Of Omaha 24.94 26.47 23.09 24.71 9,347,593 9,396,914 9,597,618 11,414,117 11,325,87860739 American Natl Ins Co 28.84 28.73 22.98 22.76 5,864,657 4,868,098 5,134,988 4,846,638 12,951,18886231 Transamerica Life Ins Co 37.38 39.86 33.76 35.75 5,088,336 11,613,074 11,808,931 12,490,038 15,301,96997152 Plateau Ins Co 26.81 26.93 29.37 29.54 4,352,964 4,011,395 4,780,488 2,193,537 1,704,02125178 State Farm Mut Auto Ins Co 39.74 40.03 37.85 38.21 2,918,119 4,688,136 3,495,284 3,787,871 4,448,73067628 Pekin Life Ins Co 40.31 40.36 35.97 36.06 2,873,210 2,530,769 2,803,245 3,033,321 2,437,87968136 Protective Life Ins Co 23.38 25.28 20.13 21.88 2,443,067 2,965,881 2,881,677 3,771,742 5,045,08393742 Securian Life Ins Co 50.88 40.90 48.37 39.35 2,409,654 1,807,405 2,436,314 1,597,999 1,296,32265811 American Modern Life Ins Co 33.93 35.84 38.47 40.67 2,058,558 2,286,041 2,491,376 1,970,391 3,817,85861298 Bankers Life Of LA 19.73 19.73 20.11 20.11 1,876,235 1,655,537 1,448,220 1,219,936 1,474,06070688 Transamerica Financial Life Ins Co 46.65 42.16 25.64 25.17 1,779,634 -2,667,647 3,892,952 3,997,420 4,180,37710111 American Bankers Ins Co Of FL 13.51 13.51 12.55 12.55 1,619,956 1,856,386 1,447,423 1,781,046 2,773,32798736 American Federated Life Ins Co 23.54 23.54 23.03 23.03 1,536,228 1,879,372 1,444,262 1,561,698 1,641,37160242 Southern Financial Life Ins Co 35.15 35.15 35.20 35.20 1,485,548 2,098,788 1,367,928 1,240,743 1,610,70076007 Old United Life Ins Co 22.06 24.05 21.80 23.68 1,226,177 818,885 1,087,570 718,415 1,363,81599538 SWBC Life Ins Co 13.18 15.25 13.61 15.48 1,150,605 219,514 86,146 149,618 45,00664904 Investors Heritage Life Ins Co 33.55 33.55 31.21 31.21 1,052,849 881,261 1,182,203 1,267,791 1,363,92466281 Transamerica Premier Life Ins Co 32.39 26.31 25.89 20.56 993,058 3,019,447 2,379,112 3,269,220 5,232,15471455 Financial Amer Life Ins Co 29.66 31.37 37.05 39.60 991,719 1,210,853 1,361,654 1,770,413 2,491,00473156 Caribbean Amer Life Assur Co 24.22 24.22 14.82 14.82 871,815 1,052,435 946,871 2,127,973 3,267,28264211 Guarantee Trust Life Ins Co 34.17 34.17 40.97 40.97 701,594 893,641 1,966,946 2,512,886 1,602,85460836 American Republic Ins Co 30.18 30.31 30.30 30.57 655,076 853,361 570,675 748,946 1,059,44165480 Old Spartan Life Ins Co Inc 11.36 11.36 12.08 12.08 570,165 598,530 653,299 800,725 630,79260275 American Bankers Life Assur Co Of FL 19.14 18.40 14.97 14.28 566,498 5,424,290 8,934,443 12,689,965 13,698,92234274 Central States Ind Co Of Omaha 5.63 4.81 8.81 7.40 455,797 608,805 396,459 -50,367 385,20093777 Pavonia Life Ins Co of MI 43.78 43.18 49.96 48.75 335,007 3,627,792 7,038,435 4,611,447 9,978,17574233 First Natl Life Ins Co Of USA 34.67 34.67 35.53 35.53 285,066 258,156 278,722 314,016 325,55981779 Individual Assur Co Life Hlth & Acc 31.54 31.48 -4.42 -4.42 256,283 315,102 -827,752 3,096,533 1,752,79560041 UNIVERSAL LIFE INS CO 35.35 35.35 36.09 36.09 252,365 195,297 237,275 328,273 44,83270548 Wichita Natl Life Ins Co 26.46 26.33 26.73 26.73 248,222 298,599 284,992 294,788 333,19160244 Kentucky Home Life Ins Co 27.35 27.35 27.68 27.69 219,372 248,123 306,306 313,367 392,69181477 Union Security Life Ins Co of NY 23.87 12.42 17.58 8.94 188,523 175,783 99,075 317,747 539,05374365 Southern Pioneer Life Ins Co 17.48 17.48 18.59 18.59 182,543 145,299 117,980 174,143 282,28177976 Gulf Guar Life Ins Co 15.62 15.59 14.71 14.66 175,899 129,127 128,296 235,606 137,79088536 Protective Life & Annuity Ins Co 48.58 44.10 45.01 37.55 142,208 258,766 101,369 260,684 304,71362650 Delta Life Ins Co 20.14 20.14 18.88 18.88 132,503 175,378 174,399 198,302 223,474




COCODE COMPANY NAME








2016 2015 2014 2013 2012

85677 Life Assur Co Inc 16.97 16.97 19.69 19.69 125,164 189,239 114,530 82,726 164,23277690 Trans City Life Ins Co 14.94 14.94 12.13 12.13 105,681 -5,988 51,441 143,488 33,44080020 Mountain Life Ins Co 0.34 0.34 -18.30 -18.30 105,182 97,686 -712,723 239,716 286,99060488 American Gen Life Ins Co 81.13 49.88 NR 55.13 79,342 326,271 310,481 479,377 1,535,40686118 Arkansas Bankers Life Ins Co 31.65 31.65 39.59 39.59 48,215 50,703 59,925 0 158,09242978 American Security Ins Co 25.46 25.46 27.04 27.04 43,153 37,501 60,633 72,051 3,66792274 Landcar Life Ins Co 15.69 11.84 12.95 NR 42,804 34,535 189,895 56,132 459,48162383 Centurion Life Ins Co 18.28 18.09 -28.57 -28.55 38,801 39,050 -250,519 59,604 446,91877054 MAPFRE Life Ins Co of PR 8.24 4.73 2.11 1.08 36,397 -2,493 -14,610 2,253 71,35942986 Standard Guar Ins Co 5.18 5.18 1.01 1.01 31,453 -6,508 -20,590 31,147 079715 Cooperativa De Seguros De Vida 2.16 2.16 13.63 13.63 28,958 39,705 14,827 33,195 -57,57671463 CICA Life Ins Co of Amer 5.86 5.86 6.34 6.34 27,989 46,442 55,963 44,756 26,45793650 Versant Life Ins Co 10.33 10.33 5.36 5.36 25,692 16,207 6,109 18,576 65,12460895 American United Life Ins Co 42.11 36.53 9.61 8.54 16,771 -680 21,260 193,166 320,33513762 American Natl Lif Ins Co of NY 11.44 11.35 11.44 11.35 16,058 0 0 0 098868 Sheridan Life Ins Co 30.44 30.44 30.51 30.51 15,252 4,175 0 15,756 079049 Alfa Life Ins Corp 936.06 564.08 1,216.47 761.75 12,178 10,975 24,675 36,744 26,13330325 Zale Ind Co 6.55 6.55 6.57 6.57 11,369 18,612 60,407 31,733 28,77879340 Pavonia Life Ins Co NY 15.85 12.02 -18.21 -12.22 9,992 224,717 -336,126 89,919 322,57872087 Multinational Life Ins Co 8.24 8.24 -6.31 -6.31 8,550 -3,617 -23,973 56,662 010952 Transamerica Cas Ins Co 17.38 15.69 17.68 15.96 4,424 104,251 65,930 70,225 80,41694447 Century Life Ass Co 35.34 35.32 -23.77 -23.69 4,077 12,431 -37,959 -5,801 170,32575094 Life Ins Co Of LA 36.97 36.97 12.15 12.15 2,755 10,344 26,341 70,827 87,59693521 General Fidelity Life Ins Co 136.94 136.94 161.29 161.28 1,045 10,959 9,841 63,077 73,68370435 The Savings Bank Life Ins Co Of MA -6.32 -5.11 60.36 48.80 831 -2,969 5,814 -423 -4,77974470 Great Central Life Ins Co 7.59 7.59 6.39 6.39 394 33,804 24,087 41,342 26,73492649 American Underwriters Life Ins Co 8.23 8.23 8.23 8.23 336 3,354 5,173 0 060186 Allstate Life Ins Co NR NR NR NR 0 -1,541,769 0 0 061018 Magna Ins Co NR NR NR NR 0 0 0 0 061824 Cherokee Natl Life Ins Co 40.73 40.73 NR NR 0 0 0 648,115 1,013,38319232 Allstate Ins Co NR NR NR NR 0 -153,526 0 0 061506 Resource Life Ins Co 16.10 17.22 NR NR 0 -54,229 -287,811 -265,519 804,34221075 Financial Amer Prop & Cas Ins Co -2.47 -2.47 NR NR 0 0 0 0 -269663 USAA Life Ins Co NR NR 0.00 0.00 0 0 0 0 061212 Baltimore Life Ins Co NR NR NR NR 0 0 0 0 061158 TRIPLE S BLUE 84.38 84.38 NR NR 0 0 0 6 2165021 Stonebridge Life Ins Co 22.05 19.50 22.27 19.59 0 0 108,203 -26,859 597,46262596 Union Fidelity Life Ins Co 100.43 100.43 -4.71 -4.71 0 -212 -6 5,865 19,81670173 Universal Underwriters Life Ins Co 37.51 37.20 NR NR 0 0 -900 12,218 52,54489087 Enterprise Life Ins Co 37.09 37.09 32.73 32.73 0 0 22,503 397,958 229,79788374 Commonwealth Dealers Life Ins Co -110.29 -110.58 -9.91 -10.09 0 0 -22 -4,595 -22,285




COCODE COMPANY NAME








2016 2015 2014 2013 2012

88080 Omaha Hlth Ins Co NR NR NR NR 0 0 0 0 2393815 Pacific Century Life Ins Corp 33.53 33.53 55.85 55.85 0 3,600 6,000 0 78883992 Foundation Life Ins Co Of AR 25.54 25.54 8.04 8.04 0 42,132 -5,985 78,824 86,77081043 Bankers Life Ins Co 1,520.41 1,520.64 NR NR 0 0 0 0 1,02676112 Oxford Life Ins Co 550.46 550.46 NR NR 0 0 0 0 54094579 First Assur Life Of Amer 20.95 20.95 NR NR 0 0 0 0 846,72089958 Shelterpoint Ins Co -61.41 -61.35 NR NR 0 0 0 -26,962 -261,13571099 Parker Centennial Assur Co NR NR NR NR 0 0 0 0 072613 USAA Direct Life Ins Co 0.00 0.00 NR NR 0 0 0 0 069973 United Life Ins Co 7.07 7.07 -1,442.31 -1,442.31 0 0 -1,500 -2,223 4,47468241 Prudential Ins Co Of Amer NR NR NR NR 0 0 0 -4,782 -1,84965676 Lincoln Natl Life Ins Co 0.00 0.00 NR NR 0 0 0 0 065757 Shelter Life Ins Co 27.00 27.00 0.00 0.00 0 0 0 -9,402 35,76365978 Metropolitan Life Ins Co -25.45 -25.45 NR NR 0 0 -1,964 0 099465 Servco Life Ins Co 27.70 27.70 38.15 38.15 0 13,412 63,479 116,349 375,37768160 Balboa Life Ins Co -8,575.92 -8,575.92 NR NR 0 0 0 -8,833 -93,39269523 Trans Oceanic Life Ins Co 0.00 0.00 NR NR 0 0 0 0 068349 North Amer Ins Co 32.81 32.82 -752.99 -754.33 0 -24 -1,854 -1,909 10,61668373 American Gen Assur Co NR NR NR NR 0 0 0 0 097055 Mega Life & Hlth Ins Co The 38.09 38.09 NR NR 0 0 0 1,662 2,15568632 Vantis Life Ins Co 17.84 17.65 NR NR 0 0 0 0 4,48610097 Balboa Life Ins Co Of NY NR NR NR NR 0 0 0 1,098 -7,76685090 Dearborn Natl Life Ins Co of NY NR NR -77.47 -110.09 -12 -1,127 888 6,611 -19,14875612 Gulf States Life Ins Co 21.91 21.91 -62.64 -62.64 -121 11,171 -16,872 108 87,71611162 Insurance Co of the South -0.25 -0.25 -1.02 -1.02 -239 -1,427 -186 761 2787645 United Fidelity Life Ins Co 46.84 46.84 -214.15 -214.15 -275 -315 -4,526 -2,653 14,42465560 Life Protection Ins Co 10.16 12.70 0.65 0.81 -2,125 -9,764 14,787 71,137 73,84177151 Service Life & Cas Ins Co -13.55 -16.70 -54.02 -66.56 -4,349 -64,369 -226,005 -1,561,816 1,068,38469477 Time Ins Co 241.18 241.18 104.31 104.31 -6,010 4,239 4,577 6,050 8,77466087 Mid West Natl Life Ins Co Of TN 100.18 100.18 -99.89 -99.89 -8,076 2,207 2,168 7,708 10,11571323 Zale Life Ins Co 5.55 5.55 2.34 2.34 -18,152 193 69,085 99,539 56,42260534 American Heritage Life Ins Co 42.43 42.37 -3.34 -3.34 -100,496 183,422 -291,089 801,009 1,995,77967261 Old Republic Life Ins Co -399.76 -399.76 -28,290.08 -28,290.08 -153,024 -174,553 -148,828 8,688 -18,22861409 National Benefit Life Ins Co 56.54 60.18 24.53 27.83 -236,233 51,724 401,284 704,100 964,74841211 Triton Ins Co 69.48 69.48 6.95 6.95 -346,956 99,975 277,119 409,423 455,36470106 United States Life Ins Co in the Cit 43.26 31.22 -171.64 -93.60 -588,038 163,937 167,565 318,509 206,176

369,683,004319,516,350306,676,877292,953,399118 32.4833.7434.9235.88COMPANIES IN REPORT - COUNTRYWIDE 271,805,863




COCODE COMPANY NAME

Loss Ratio =Annual Incurred Claims (Losses)/Earned Premium

Loss Ratio at Prima Facie Rates = Annual Incurred Claims (Losses) $/

Earned Premiums at Prima Facie Rates

2016 20162015 20152014 20142013 20132012 2012

62626 CMFG Life Ins Co 39.90 43.11 45.12 45.48 47.90 34.75 39.04 42.83 44.28 47.30

65951 Merit Life Ins Co 47.79 48.65 54.81 46.42 51.33 51.15 51.00 56.84 47.84 53.22

66168 Minnesota Life Ins Co 33.62 35.25 35.88 39.85 41.83 31.82 33.37 34.09 38.04 40.02

60518 American Hlth & Life Ins Co 30.07 35.11 33.29 50.09 61.10 32.01 37.30 34.98 51.74 62.52

97691 Life Of The South Ins Co 20.89 15.69 17.64 15.96 21.28 20.83 15.59 17.53 15.92 21.24

61751 Central States H & L Co Of Omaha 23.56 22.78 22.97 27.53 27.89 25.19 24.54 24.43 28.93 29.16

60739 American Natl Ins Co 25.86 21.10 22.04 20.92 52.81 25.40 21.54 21.35 21.00 53.14

86231 Transamerica Life Ins Co 28.83 34.79 35.33 37.32 46.78 30.39 36.61 37.74 40.02 50.50

97152 Plateau Ins Co 25.81 26.54 37.44 21.21 20.12 26.05 26.68 37.49 21.21 20.18

25178 State Farm Mut Auto Ins Co 36.74 44.56 32.16 37.48 48.24 37.23 44.85 32.47 37.63 48.46

67628 Pekin Life Ins Co 35.04 33.18 40.11 50.68 47.54 35.14 33.40 40.03 50.58 47.43

68136 Protective Life Ins Co 19.41 21.50 19.46 24.70 30.20 21.23 23.45 20.98 26.48 32.47

93742 Securian Life Ins Co 52.42 42.97 49.18 53.03 64.98 40.41 34.80 42.37 42.49 48.41

65811 American Modern Life Ins Co 43.41 39.11 34.68 23.24 34.85 46.12 41.36 36.54 24.39 36.93

61298 Bankers Life Of LA 21.69 19.54 18.95 16.71 21.60 21.69 19.54 18.95 16.71 21.60

70688 Transamerica Financial Life Ins Co 48.67 -124.09 65.85 65.18 68.33 56.44 -157.90 54.88 54.83 57.30

10111 American Bankers Ins Co Of FL 13.14 13.85 10.72 12.51 16.62 13.14 13.85 10.72 12.51 16.62

98736 American Federated Life Ins Co 21.52 26.78 20.79 23.24 25.53 21.52 26.78 20.79 23.24 25.53

60242 Southern Financial Life Ins Co 29.24 43.36 33.00 30.30 39.89 29.24 43.36 33.00 30.30 39.89

76007 Old United Life Ins Co 25.51 16.97 22.97 15.48 29.42 27.58 18.43 25.08 16.98 32.25

99538 SWBC Life Ins Co 15.04 11.64 7.42 14.69 5.56 16.56 14.24 9.35 18.86 7.23

64904 Investors Heritage Life Ins Co 31.91 26.92 34.65 35.66 37.97 31.91 26.92 34.65 35.66 37.97

66281 Transamerica Premier Life Ins Co 14.45 31.11 29.34 31.29 48.22 11.94 24.27 23.05 25.39 41.35

71455 Financial Amer Life Ins Co 58.47 40.59 27.56 22.36 28.15 63.69 43.63 29.17 23.52 29.59

73156 Caribbean Amer Life Assur Co 14.14 16.46 13.91 29.58 43.17 14.14 16.46 13.91 29.58 43.17

64211 Guarantee Trust Life Ins Co 36.76 33.40 47.85 43.03 20.20 36.76 33.40 47.85 43.03 20.20

60836 American Republic Ins Co 31.02 39.87 21.87 26.86 32.78 31.39 40.50 21.89 26.77 32.81

65480 Old Spartan Life Ins Co Inc 12.93 12.33 11.23 11.37 9.67 12.93 12.33 11.23 11.37 9.67

60275 American Bankers Life Assur Co Of FL 3.12 16.91 18.08 22.60 22.82 2.89 16.07 17.46 21.89 22.07

34274 Central States Ind Co Of Omaha 9.10 11.17 6.48 -0.74 4.52 7.69 9.28 5.47 -0.63 4.03

93777 Pavonia Life Ins Co of MI 7.09 49.76 70.36 32.60 44.78 7.23 49.03 66.79 32.33 44.47

74233 First Natl Life Ins Co Of USA 40.86 32.76 33.68 34.38 32.93 40.86 32.76 33.68 34.38 32.93

81779 Individual Assur Co Life Hlth & Acc 25.63 18.53 -26.75 74.44 38.04 25.59 18.50 -26.71 74.35 37.93

60041 UNIVERSAL LIFE INS CO 60.09 31.90 27.42 54.05 9.19 60.09 31.90 27.42 54.05 9.19

70548 Wichita Natl Life Ins Co 27.72 27.52 25.18 25.02 27.17 27.72 27.52 25.18 25.02 26.59




COCODE COMPANY NAME




2016 20162015 20152014 20142013 20132012 2012

60244 Kentucky Home Life Ins Co 23.74 27.25 31.88 27.46 26.63 23.74 27.25 31.90 27.46 26.63

81477 Union Security Life Ins Co of NY 22.73 20.27 10.56 24.39 33.82 11.54 10.28 5.39 12.78 18.20

74365 Southern Pioneer Life Ins Co 24.00 18.00 14.21 16.49 16.54 24.00 18.00 14.21 16.49 16.54

77976 Gulf Guar Life Ins Co 18.59 13.29 12.47 21.57 12.23 18.59 13.17 12.47 21.57 12.23

88536 Protective Life & Annuity Ins Co 46.75 70.88 22.69 52.49 52.06 37.73 56.01 20.32 52.32 52.06

62650 Delta Life Ins Co 16.28 20.49 19.71 22.28 21.40 16.28 20.49 19.71 22.28 21.40

85677 Life Assur Co Inc 19.77 25.66 14.18 9.37 17.78 19.77 25.66 14.18 9.37 17.78

77690 Trans City Life Ins Co 25.68 -1.74 10.50 32.24 6.62 25.68 -1.74 10.50 32.24 6.62

80020 Mountain Life Ins Co 11.76 10.62 -73.31 22.37 24.57 11.76 10.62 -73.31 22.37 24.57

60488 American Gen Life Ins Co 78.40 NR 33.10 33.30 55.39 78.68 122.48 33.32 33.55 55.89

86118 Arkansas Bankers Life Ins Co 41.82 39.54 38.01 0.00 75.86 41.82 39.54 38.01 0.00 75.86

42978 American Security Ins Co 29.20 21.80 29.90 21.84 NR 29.20 21.80 29.90 21.84 NR

92274 Landcar Life Ins Co 11.23 5.29 18.44 3.69 32.67 NR NR NR 6.00 7.64

62383 Centurion Life Ins Co 27.52 19.86 -93.92 13.52 57.24 27.52 19.86 -93.79 13.43 56.11

77054 MAPFRE Life Ins Co of PR 7.59 -0.74 -15.53 2.46 57.72 7.53 -0.24 -5.41 2.34 89.11

42986 Standard Guar Ins Co 36.37 -4.52 -10.27 12.21 NR 36.37 -4.52 -10.27 12.21 NR

79715 Cooperativa De Seguros De Vida 42.03 18.49 4.51 6.38 -3.59 42.03 18.49 4.51 6.38 -3.59

71463 CICA Life Ins Co of Amer 3.98 6.84 8.27 6.33 3.94 3.98 6.84 8.27 6.33 3.94

93650 Versant Life Ins Co 13.53 8.01 1.21 11.68 29.56 13.53 8.01 1.21 11.68 29.56

60895 American United Life Ins Co 32.92 -0.54 10.01 51.56 58.80 31.40 -0.49 8.69 44.28 50.51

13762 American Natl Lif Ins Co of NY 11.44 NR NR NR NR 11.35 NR NR NR NR

98868 Sheridan Life Ins Co 72.34 21.70 0.00 68.25 0.00 72.34 21.70 0.00 68.25 0.00

79049 Alfa Life Ins Corp 860.86 1,213.51 1,530.07 1,286.02 518.74 923.74 612.67 778.64 713.61 318.77

30325 Zale Ind Co 2.51 4.17 12.64 6.80 6.22 2.51 4.17 12.64 6.80 6.22

79340 Pavonia Life Ins Co NY 8.74 97.85 -157.83 20.01 33.73 4.40 70.41 -118.49 14.84 28.01

72087 Multinational Life Ins Co 9.94 -3.72 -20.22 36.67 NR 9.94 -3.72 -20.22 36.67 NR

10952 Transamerica Cas Ins Co 1.49 31.17 18.55 17.31 16.80 1.34 28.01 16.79 15.63 15.20

94447 Century Life Ass Co 34.75 49.10 -71.35 -5.19 83.98 34.08 49.10 -71.27 -5.19 83.98

75094 Life Ins Co Of LA 2.93 9.32 22.02 61.27 92.07 2.93 9.32 22.02 61.27 92.07

93521 General Fidelity Life Ins Co NR 486.85 87.14 207.16 102.58 NR 486.85 87.13 207.16 102.58

70435 The Savings Bank Life Ins Co Of MA 289.55 -114.77 180.78 -6.03 -43.27 234.08 -92.78 146.15 -4.88 -34.98

74470 Great Central Life Ins Co 0.18 10.40 6.61 10.55 7.40 0.18 10.40 6.61 10.55 7.40

92649 American Underwriters Life Ins Co 1.42 9.69 10.45 NR NR 1.42 9.69 10.45 NR NR

60186 Allstate Life Ins Co NR NR NR NR NR NR NR NR NR NR

61018 Magna Ins Co NR NR NR NR NR NR NR NR NR NR




COCODE COMPANY NAME




2016 20162015 20152014 20142013 20132012 2012

61824 Cherokee Natl Life Ins Co NR NR NR 34.60 45.93 NR NR NR 34.60 45.93

19232 Allstate Ins Co NR NR NR NR NR NR NR NR NR NR

61506 Resource Life Ins Co NR NR NR -136.98 74.38 NR NR NR -146.00 79.62

21075 Financial Amer Prop & Cas Ins Co NR NR NR NR -2.47 NR NR NR NR -2.47

69663 USAA Life Ins Co 0.00 0.00 0.00 NR NR 0.00 0.00 0.00 NR NR

61212 Baltimore Life Ins Co NR NR NR NR NR NR NR NR NR NR

61158 TRIPLE S BLUE NR NR NR 37.50 131.25 NR NR NR 37.50 131.25

65021 Stonebridge Life Ins Co NR NR 22.27 -4.38 30.18 NR NR 19.59 -3.90 26.67

62596 Union Fidelity Life Ins Co NR -27.75 -0.16 46.28 246.23 NR -27.75 -0.16 46.28 246.23

70173 Universal Underwriters Life Ins Co NR NR NR 91.64 32.79 NR NR NR 92.58 32.49

89087 Enterprise Life Ins Co NR 0.00 33.33 90.83 18.44 NR 0.00 33.33 90.83 18.44

88374 Commonwealth Dealers Life Ins Co NR NR -9.91 -309.84 -98.23 NR NR -10.09 -310.47 -98.48

88080 Omaha Hlth Ins Co NR NR NR NR NR NR NR NR NR NR

93815 Pacific Century Life Ins Corp 0.00 61.30 93.57 0.00 10.99 0.00 61.30 93.57 0.00 10.99

83992 Foundation Life Ins Co Of AR NR 18.64 -2.68 47.61 49.64 NR 18.64 -2.68 47.61 49.64

81043 Bankers Life Ins Co NR NR NR NR 1,520.41 NR NR NR NR 1,520.64

76112 Oxford Life Ins Co NR NR NR NR 139.18 NR NR NR NR 139.18

94579 First Assur Life Of Amer NR NR NR NR 20.95 NR NR NR NR 20.95

89958 Shelterpoint Ins Co NR NR NR -215.82 -57.19 NR NR NR -212.35 -57.15

71099 Parker Centennial Assur Co NR NR NR NR NR NR NR NR NR NR

72613 USAA Direct Life Ins Co NR NR NR NR 0.00 NR NR NR NR 0.00

69973 United Life Ins Co NR NR -1,442.31 -101.28 53.74 NR NR -1,442.31 -101.28 53.75

68241 Prudential Ins Co Of Amer NR NR NR NR NR NR NR NR NR NR

65676 Lincoln Natl Life Ins Co NR NR NR NR 0.00 NR NR NR NR 0.00

65757 Shelter Life Ins Co 0.00 0.00 0.00 -32.34 69.92 0.00 0.00 0.00 -32.34 69.94

65978 Metropolitan Life Ins Co NR NR NR NR 0.00 NR NR NR NR 0.00

99465 Servco Life Ins Co NR 53.04 36.02 19.70 29.78 NR 53.02 36.02 19.70 29.78

68160 Balboa Life Ins Co NR NR NR NR -7,834.90 NR NR NR NR -7,834.90

69523 Trans Oceanic Life Ins Co NR NR NR NR 0.00 NR NR NR NR 0.00

68349 North Amer Ins Co NR -4.87 NR -40.86 66.79 NR -4.87 NR -40.86 66.82

68373 American Gen Assur Co NR NR NR NR NR NR NR NR NR NR

97055 Mega Life & Hlth Ins Co The NR NR NR 59.72 29.78 NR NR NR 59.72 29.78

68632 Vantis Life Ins Co NR NR NR 0.00 38.36 NR NR NR 0.00 38.36

10097 Balboa Life Ins Co Of NY NR NR NR NR NR NR NR NR NR NR

85090 Dearborn Natl Life Ins Co of NY NR -866.92 457.73 NR NR NR -1,225.00 652.94 NR NR




COCODE COMPANY NAME




2016 20162015 20152014 20142013 20132012 2012

75612 Gulf States Life Ins Co -10.02 NR -207.79 0.10 34.02 -10.02 NR -207.79 0.10 34.02

11162 Insurance Co of the South -0.42 -3.99 -0.21 0.69 0.02 -0.42 -3.99 -0.21 0.69 0.02

87645 United Fidelity Life Ins Co -70.88 -60.34 -306.02 -57.37 200.50 -70.88 -60.34 -306.02 -57.37 200.50

65560 Life Protection Ins Co -19.05 -10.84 4.26 15.92 13.18 -23.52 -13.47 5.32 19.96 16.46

77151 Service Life & Cas Ins Co -266.32 -78.00 -48.98 -91.00 30.07 -330.22 -96.40 -60.31 -112.15 37.05

69477 Time Ins Co NR 292.34 369.11 287.96 348.31 NR 292.34 369.11 287.96 348.31

66087 Mid West Natl Life Ins Co Of TN -1,689.54 213.03 98.95 403.14 119.28 -1,689.54 213.03 98.95 403.14 119.28

71323 Zale Life Ins Co -2.64 0.03 8.85 12.56 7.47 -2.64 0.03 8.85 12.56 7.47

60534 American Heritage Life Ins Co -39.00 25.58 -5.54 NR 369.68 -39.00 25.59 -5.53 NR 370.33

67261 Old Republic Life Ins Co NR -528,948.48 -9,014.42 34.19 -19.30 NR -528,948.48 -9,014.42 34.19 -19.30

61409 National Benefit Life Ins Co -519.05 21.05 67.72 71.43 65.83 -460.40 23.37 79.25 77.56 66.69

41211 Triton Ins Co NR 86.23 87.28 92.92 110.00 NR 86.23 87.28 92.92 110.00

70106 United States Life Ins Co in the Cit -2,752.60 359.93 202.98 214.89 64.00 -997.05 154.51 153.72 170.26 51.84

118 COMPANIES IN REPORT - COUNTRYWIDE 32.41 33.84 34.93 36.72 41.24 40.8136.3234.2432.5230.64









CREDIT A&HBY STATE


5-yr Loss Ratio at

Prima Facie2016 - 2012

3-yrAggregatedLoss Ratio2016 - 2014

3-yr LossRatio at


Annual Incurred Claims (Losses)

Business Written in the State of 2016 2015 2014 2013 2012

35.42 33.90 29.79 28.35 7,857,014 4,121,630 9,020,611 7,192,137Alabama 5,398,525

18.51 18.48 12.90 12.88 -33,859 294,307 242,093 355,792Alaska 29,246

0.00 0.00 -83.33 -83.33 0 -10 10 0American Samoa 0

26.34 27.04 23.69 25.09 865,298 1,181,466 1,299,417 1,217,040Arizona 569,477

33.56 34.59 32.08 33.35 1,261,780 1,019,064 1,246,718 1,976,384Arkansas 1,046,076

40.31 30.15 42.90 30.49 4,380,885 6,487,963 5,227,279 7,525,775California 4,698,189

28.69 25.78 26.93 24.39 1,671,530 1,236,537 1,495,489 2,000,084Colorado 924,228

36.94 34.80 37.84 33.59 1,990,051 2,127,705 1,691,423 2,225,713Connecticut 1,965,269

31.88 29.65 33.17 29.93 353,472 448,881 462,138 658,466Delaware 550,769

35.02 37.37 36.10 38.65 943,710 728,524 652,515 722,978District Of Columbia 448,176

30.04 28.64 27.84 26.07 10,462,517 11,612,724 11,097,420 14,040,063Florida 10,590,966

18.90 18.79 17.56 17.45 10,100,762 12,008,090 11,400,215 12,724,744Georgia 9,037,905

12.71 12.71 -0.78 -0.78 -365 -6,639 -14,908 144,273Guam 1,787

37.80 40.10 36.00 38.33 3,049,117 2,749,739 2,960,053 3,148,529Hawaii 2,440,196

28.73 27.31 22.75 21.43 1,697,795 1,158,846 2,018,778 2,495,623Idaho 1,685,849

33.84 33.65 32.55 32.20 11,649,870 12,669,932 12,745,852 14,027,214Illinois 10,537,458

45.97 49.63 45.49 49.36 7,342,948 7,176,183 6,888,927 7,872,117Indiana 6,717,314

31.54 31.67 30.79 31.05 4,181,296 5,365,628 4,293,043 6,284,498Iowa 3,460,406

27.09 24.31 25.20 21.76 3,686,082 3,128,882 3,721,301 4,001,362Kansas 3,175,722

33.26 31.85 32.20 30.58 8,489,230 8,652,213 7,504,941 9,058,284Kentucky 6,861,139

28.61 31.04 27.39 29.17 10,091,668 10,139,548 9,417,064 11,895,306Louisiana 8,732,995

67.86 59.57 65.63 56.92 3,895,886 3,721,807 3,937,909 4,341,562Maine 2,964,694

45.57 30.95 41.12 26.81 4,414,878 4,887,080 5,305,414 5,884,890Maryland 3,019,349

39.71 36.72 38.72 36.32 1,848,261 2,040,797 2,312,180 2,997,475Massachusetts 1,583,023

42.70 42.83 40.51 39.36 12,814,266 14,467,461 13,254,874 14,797,755Michigan 14,022,006

37.43 39.74 31.34 33.20 3,350,361 2,843,269 4,639,767 4,647,183Minnesota 2,516,510

27.64 25.60 26.33 24.16 6,672,710 6,521,804 6,712,283 6,928,229Mississippi 5,929,427

29.90 29.99 27.67 27.47 4,158,982 3,851,686 4,393,196 5,591,828Missouri 3,918,585

29.46 30.24 29.76 28.85 800,335 772,651 752,068 1,481,796Montana 760,312

30.74 30.77 27.95 27.99 1,476,382 1,924,932 2,269,665 2,843,175Nebraska 1,577,675

28.76 29.88 23.18 24.41 136,370 474,183 701,213 441,196Nevada 329,266

23.49 17.52 22.69 16.24 2,131,254 3,108,480 2,765,159 2,858,457New Hampshire 2,575,638

54.19 56.46 53.04 51.50 4,114,466 4,677,019 4,446,662 6,511,018New Jersey 3,243,593

46.09 47.76 42.61 45.72 3,058,957 3,982,542 3,459,500 4,456,525New Mexico 3,134,621

49.04 34.38 46.01 31.90 17,490,421 24,373,948 25,325,725 24,914,513New York 23,117,462

38.23 37.88 37.18 36.72 14,333,129 15,744,873 13,679,915 17,037,089North Carolina 14,583,143

25.50 25.43 26.55 26.43 1,324,202 1,444,229 1,264,965 1,148,733North Dakota 1,393,994

20.87 20.87 12.77 12.77 7,686 -1,128 11,746 26,291Northern Mariana Islands 18,741

48.46 52.22 46.57 50.34 12,480,825 13,714,790 11,750,022 15,508,078Ohio 11,302,846



CREDIT A&HBY STATE


5-yr Loss Ratio at


3-yrAggregatedLoss Ratio2016 - 2014

3-yr LossRatio at


Annual Incurred Claims (Losses)

Business Written in the State of 2016 2015 2014 2013 2012

24.86 24.34 23.46 23.12 1,809,922 1,987,574 1,798,547 3,102,829Oklahoma 1,359,441

39.83 41.79 39.52 41.45 2,568,747 3,356,814 2,725,980 3,598,757Oregon 1,538,306

65.38 67.89 62.57 63.97 21,926,050 20,260,909 27,672,331 29,224,456Pennsylvania 18,152,301

23.36 22.78 16.41 15.75 1,269,897 1,172,454 2,421,099 3,197,849Puerto Rico 1,160,835

53.86 60.10 65.02 85.21 489,492 534,602 394,038 584,325Rhode Island 435,173

42.66 42.23 41.76 41.34 11,298,417 10,732,446 11,483,134 12,502,165South Carolina 10,197,548

24.71 23.21 24.53 22.56 1,247,843 1,197,082 1,321,089 1,475,931South Dakota 1,306,330

34.00 28.35 31.90 24.37 9,038,434 8,082,298 8,687,141 10,975,252Tennessee 7,317,896

26.26 30.19 24.31 28.07 31,833,728 29,915,850 32,174,487 38,658,997Texas 29,982,850

15.72 16.30 4.21 4.35 -4,031 32,296 146,081 208,494US Virgin Islands 27,845

27.18 21.40 25.79 20.37 2,711,826 2,747,872 2,314,170 2,717,161Utah 2,303,402

70.81 59.59 64.40 53.40 1,031,740 1,355,490 1,515,203 1,530,647Vermont 872,914

52.70 56.10 49.07 52.43 11,233,275 11,253,746 11,705,071 12,557,848Virginia 10,997,902

38.13 40.17 35.67 38.08 2,219,347 1,715,733 2,705,686 2,509,765Washington 1,872,122

57.25 68.86 57.23 67.54 2,455,697 3,234,360 2,774,511 3,498,443West Virginia 3,039,153

46.57 48.75 42.96 44.73 6,718,225 7,633,697 8,505,048 10,035,970Wisconsin 5,865,970

43.09 43.07 38.66 38.86 554,620 612,018 820,090 1,321,937Wyoming 513,298

Total 292,953,399 306,676,877 319,516,350 369,683,00435.88 34.92 33.74 32.48 271,805,863



CREDIT A&HBY STATE

Loss Ratio = Annual Incurred Claims (Losses)/Earned Premiums

Loss Ratio at Prima Facie Rates = Annual Incurred Claims (Losses)/Earned Premiums at Prima Facie Rates

Business Written in the State of 2016 20162015 20152014 20142013 20132012 2012

26.95 40.17 21.99 48.85 39.88 25.62 38.21 20.97 46.98 38.66Alabama

4.85 -4.71 31.82 22.70 23.99 4.84 -4.70 31.79 22.65 23.98Alaska

NR NR -83.33 17.24 0.00 NR NR -83.33 17.24 0.00American Samoa

17.11 23.05 29.85 32.89 27.08 17.98 24.47 31.71 34.08 25.66Arizona

35.05 35.97 26.27 28.12 41.95 37.08 37.45 26.92 28.61 42.96Arkansas

41.91 36.42 49.73 33.75 40.71 28.89 24.87 37.78 26.61 32.39California

21.33 34.80 24.28 27.35 34.22 17.65 32.78 23.00 25.50 29.23Colorado

36.53 37.10 39.91 32.16 38.79 30.80 30.42 41.00 33.28 40.16Connecticut

44.17 26.82 29.63 28.02 32.41 38.52 23.78 27.96 26.69 31.50Delaware

24.91 46.39 35.70 32.83 34.08 24.98 51.47 39.22 34.91 36.17District Of Columbia

26.14 27.08 30.42 29.81 37.06 24.25 25.43 28.67 28.76 36.99Florida

16.89 15.97 19.81 19.51 22.46 16.79 15.87 19.70 19.39 22.33Georgia

0.71 -0.16 -3.52 -10.24 90.15 0.71 -0.16 -3.52 -10.24 90.14Guam

32.01 39.79 36.17 39.62 41.42 33.92 42.41 38.67 41.85 43.67Hawaii

23.37 25.77 18.81 34.89 43.20 20.91 25.04 18.24 34.04 41.34Idaho

31.36 32.50 33.65 34.07 37.32 30.52 32.69 33.26 34.05 37.43Illinois

43.89 46.87 45.68 44.36 48.89 47.70 50.78 49.57 47.72 52.23Indiana

25.82 29.10 37.07 27.66 36.94 25.81 29.83 37.09 27.63 36.86Iowa

23.61 27.99 24.03 29.39 30.62 20.26 24.10 20.94 27.70 29.58Kansas

27.72 33.72 35.14 31.13 38.86 27.23 31.01 33.40 30.17 37.72Kentucky

25.07 28.27 28.79 28.10 32.65 26.42 29.79 31.34 31.65 36.09Louisiana

57.96 72.63 65.93 68.63 73.15 49.14 62.72 58.64 60.80 65.83Maine

31.94 44.18 46.47 50.17 53.20 20.13 28.35 31.76 36.01 38.51Maryland

38.51 39.70 38.04 38.50 42.74 39.84 35.55 34.62 35.16 38.83Massachusetts

40.18 37.15 44.40 43.50 49.36 37.94 35.91 44.82 45.62 52.93Michigan

27.91 36.55 29.59 47.66 44.03 29.42 38.33 31.79 51.23 46.50Minnesota

24.47 27.73 26.80 28.92 30.49 22.23 25.45 24.83 27.20 28.69Mississippi

29.35 28.06 25.78 29.70 36.34 28.35 27.86 26.24 30.14 37.10Missouri

32.94 31.60 25.75 21.21 36.02 31.39 30.58 25.34 22.49 40.39Montana

30.12 24.37 29.52 31.37 36.55 31.10 23.86 29.50 31.38 36.55Nebraska

24.95 9.89 34.97 49.48 24.95 26.36 10.48 36.45 51.51 25.11Nevada

23.20 19.43 25.11 26.10 23.51 13.54 15.68 20.03 20.77 18.74New Hampshire

45.59 53.82 58.98 47.40 62.83 41.96 50.77 62.06 54.16 71.20New Jersey

40.51 38.39 48.72 44.39 58.77 44.76 40.79 51.34 46.07 54.91New Mexico

46.56 38.94 52.23 54.44 52.77 31.66 27.13 36.81 38.63 37.82New York

36.14 35.69 39.77 35.79 43.88 35.55 35.31 39.35 35.64 43.71North Carolina

27.81 24.72 27.22 24.90 22.81 27.41 24.73 27.21 24.90 22.81North Dakota

26.14 11.42 -1.91 24.85 45.30 26.14 11.42 -1.91 24.85 45.30Northern Mariana Islands

42.97 45.89 50.78 44.78 57.67 47.35 47.98 55.74 48.23 61.66Ohio



CREDIT A&HBY STATE

Loss Ratio = Annual Incurred Claims (Losses)/Earned Premiums

Loss Ratio at Prima Facie Rates = Annual Incurred Claims (Losses)/Earned Premiums at Prima Facie Rates


20.93 24.33 24.71 19.98 32.75 20.55 24.08 24.33 19.44 31.77Oklahoma

27.42 41.12 47.75 37.10 42.93 28.26 43.31 50.61 39.21 44.80Oregon

63.31 69.55 55.92 70.34 67.09 66.26 67.25 59.02 74.79 70.69Pennsylvania

16.92 17.41 15.03 29.68 34.12 16.84 15.87 14.69 29.63 33.90Puerto Rico

60.95 62.90 71.07 36.97 48.06 76.55 82.03 97.68 36.27 46.47Rhode Island

42.51 45.11 38.14 41.57 46.35 42.44 46.16 36.44 41.03 46.01South Carolina

27.09 24.32 22.43 23.87 26.02 24.65 22.41 20.79 22.21 26.15South Dakota

28.37 35.56 31.82 33.67 40.20 18.61 26.69 29.86 31.97 39.03Tennessee

24.40 25.06 23.48 26.45 32.17 28.44 28.91 26.89 30.26 36.72Texas

7.17 -0.95 6.18 24.72 30.27 7.76 -0.98 6.25 25.16 32.09US Virgin Islands

21.26 26.12 30.92 26.87 32.52 15.60 19.84 28.42 24.47 22.24Utah

60.62 63.15 68.18 81.86 76.82 50.00 51.57 57.46 69.47 66.66Vermont

49.13 47.90 50.23 56.34 61.07 53.16 51.03 53.18 56.33 68.66Virginia

36.41 41.13 29.87 45.15 37.84 38.82 43.60 32.14 47.48 38.66Washington

64.62 46.04 62.01 51.80 62.52 70.60 56.72 75.39 63.14 78.33West Virginia

39.26 43.07 46.19 49.40 52.97 42.50 46.71 44.88 51.69 56.21Wisconsin

41.09 38.68 36.83 39.99 53.44 42.11 38.55 36.74 39.91 52.99Wyoming

Total 32.41 33.84 34.93 36.72 41.24 30.64 32.52 40.8136.3234.24



EARNED PREMIUMS







Business Type

Earned Premiums $

2016 2015 2014 2013 2012

62626 CMFG Life Ins Co IA L 353,778,326 342,770,878 337,403,773 327,395,616 326,957,592

60518 American Hlth & Life Ins Co TX L 64,355,048 67,266,725 67,831,710 66,492,150 66,473,891

97691 Life Of The South Ins Co GA L 63,640,531 65,977,846 50,544,571 42,986,998 39,164,538

66168 Minnesota Life Ins Co MN L 58,421,501 56,246,052 52,706,974 51,850,926 51,854,042

65951 Merit Life Ins Co IN L 45,306,294 43,413,176 39,500,445 32,387,064 27,353,214

61751 Central States H & L Co Of Omaha NE L 39,672,334 41,257,211 41,790,257 41,468,136 40,611,183

60739 American Natl Ins Co TX L 22,679,359 23,073,031 23,295,010 23,171,053 24,522,288

60275 American Bankers Life Assur Co Of FL FL L 18,185,320 32,072,329 49,414,324 56,162,272 60,041,598

86231 Transamerica Life Ins Co IA L 17,646,433 33,377,714 33,426,147 33,465,398 32,711,031

97152 Plateau Ins Co TN L 16,867,579 15,114,056 12,768,520 10,339,829 8,468,926

68136 Protective Life Ins Co TN L 12,587,011 13,792,578 14,811,010 15,272,373 16,708,087

10111 American Bankers Ins Co Of FL FL P 12,327,903 13,399,144 13,501,254 14,242,353 16,686,287

61298 Bankers Life Of LA LA L 8,651,084 8,474,698 7,643,258 7,298,806 6,824,365

67628 Pekin Life Ins Co IL L 8,199,433 7,628,428 6,989,591 5,984,750 5,127,846

25178 State Farm Mut Auto Ins Co IL P 7,942,258 10,521,734 10,869,084 10,107,140 9,222,498

99538 SWBC Life Ins Co TX L 7,648,844 1,886,517 1,161,327 1,018,276 809,019

98736 American Federated Life Ins Co MS L 7,139,744 7,018,822 6,947,807 6,721,084 6,429,533

66281 Transamerica Premier Life Ins Co IA L 6,870,900 9,705,178 8,107,669 10,447,896 10,851,007

73156 Caribbean Amer Life Assur Co PR L 6,164,563 6,395,019 6,807,855 7,192,781 7,568,339

60242 Southern Financial Life Ins Co KY L 5,081,368 4,840,698 4,144,988 4,094,563 4,037,708

34274 Central States Ind Co Of Omaha NE P 5,006,166 5,451,911 6,117,417 6,783,150 8,521,006

76007 Old United Life Ins Co AZ L 4,807,573 4,826,579 4,733,983 4,641,230 4,635,105

65811 American Modern Life Ins Co OH L 4,741,928 5,844,849 7,182,986 8,480,021 10,956,243

93777 Pavonia Life Ins Co of MI MI L 4,726,444 7,291,077 10,003,728 14,147,055 22,284,959

93742 Securian Life Ins Co MN L 4,596,394 4,206,231 4,953,600 3,013,336 1,994,817

65480 Old Spartan Life Ins Co Inc SC L 4,408,864 4,854,104 5,819,073 7,039,802 6,524,737

70688 Transamerica Financial Life Ins Co NY L 3,656,553 2,149,694 5,912,288 6,132,570 6,118,035

64904 Investors Heritage Life Ins Co KY L 3,298,917 3,273,897 3,411,791 3,555,533 3,592,116

60836 American Republic Ins Co IA L 2,112,017 2,140,282 2,608,907 2,787,952 3,231,611

64211 Guarantee Trust Life Ins Co IL L 1,908,634 2,675,253 4,110,332 5,840,184 7,934,227

71455 Financial Amer Life Ins Co KS L 1,696,010 2,983,046 4,941,349 7,918,503 8,849,522

81779 Individual Assur Co Life Hlth & Acc OK L 999,792 1,700,116 3,094,816 4,159,642 4,607,511

77976 Gulf Guar Life Ins Co MS L 946,271 971,379 1,028,921 1,092,514 1,126,518

60244 Kentucky Home Life Ins Co KY L 923,913 910,461 960,888 1,140,972 1,474,395

70548 Wichita Natl Life Ins Co OK L 895,373 1,085,096 1,131,893 1,178,411 1,226,148

80020 Mountain Life Ins Co TN L 894,113 919,939 972,199 1,071,741 1,167,936

81477 Union Security Life Ins Co of NY NY L 829,291 867,334 938,499 1,302,549 1,593,867

62650 Delta Life Ins Co GA L 813,927 855,853 884,749 889,888 1,044,455





Business Type

Earned Premiums $

2016 2015 2014 2013 2012

74365 Southern Pioneer Life Ins Co AR L 760,725 807,363 830,408 1,055,891 1,706,474

71463 CICA Life Ins Co of Amer CO L 702,857 678,815 676,617 707,191 672,113

74233 First Natl Life Ins Co Of USA NE L 697,634 788,016 827,603 913,351 988,526

71323 Zale Life Ins Co AZ L 686,922 716,183 780,300 792,477 755,339

85677 Life Assur Co Inc OK L 633,107 737,523 807,405 882,448 923,471

77054 MAPFRE Life Ins Co of PR PR L 479,592 338,771 94,057 91,694 123,637

30325 Zale Ind Co TX P 452,243 445,871 477,933 466,764 462,592

60041 UNIVERSAL LIFE INS CO PR L 420,007 612,180 865,465 607,298 487,691

77690 Trans City Life Ins Co AZ L 411,509 343,904 490,126 445,003 504,944

92274 Landcar Life Ins Co UT L 380,989 653,274 1,029,575 1,520,438 1,406,457

88536 Protective Life & Annuity Ins Co AL L 304,196 365,091 446,837 496,589 585,364

10952 Transamerica Cas Ins Co OH P 297,650 334,490 355,435 405,628 478,637

60534 American Heritage Life Ins Co FL L 257,702 716,928 5,257,581 -671,433 539,860

74470 Great Central Life Ins Co LA L 222,346 325,130 364,384 391,787 361,091

93650 Versant Life Ins Co MS L 189,940 202,349 503,312 159,065 220,322

42978 American Security Ins Co DE P 147,775 172,000 202,798 329,883 0

62383 Centurion Life Ins Co IA L 140,994 196,643 266,730 440,832 780,728

13762 American Natl Lif Ins Co of NY NY L 140,342 0 0 0 0

86118 Arkansas Bankers Life Ins Co AR L 115,287 128,248 157,646 391,676 208,409

79340 Pavonia Life Ins Co NY NY L 114,327 229,647 212,969 449,427 956,339

60488 American Gen Life Ins Co TX L 101,207 -1,884,421 938,062 1,439,520 2,771,826

75094 Life Ins Co Of LA LA L 93,873 111,009 119,623 115,602 95,143

42986 Standard Guar Ins Co DE P 86,486 143,863 200,509 255,063 0

72087 Multinational Life Ins Co PR L 85,993 97,327 118,533 154,516 0

79715 Cooperativa De Seguros De Vida PR L 68,897 214,748 328,889 520,545 1,602,235

11162 Insurance Co of the South GA P 56,598 35,753 88,810 109,522 129,040

60895 American United Life Ins Co IN L 50,948 125,431 212,288 374,643 544,790

61409 National Benefit Life Ins Co NY L 45,512 245,711 592,578 985,758 1,465,560

92649 American Underwriters Life Ins Co AZ L 23,648 34,604 49,487 0 0

70106 United States Life Ins Co in the Cit NY L 21,363 45,547 82,552 148,220 322,166

98868 Sheridan Life Ins Co OK L 21,085 19,240 23,354 23,086 28,833

94447 Century Life Ass Co OK L 11,732 25,319 53,204 111,758 202,815

65560 Life Protection Ins Co TX L 11,156 90,056 347,249 446,829 560,130

93815 Pacific Century Life Ins Corp AZ L 4,903 5,873 6,412 6,629 7,167

65757 Shelter Life Ins Co MO L 1,841 5,348 10,233 29,072 51,146

77151 Service Life & Cas Ins Co TX L 1,633 82,527 461,461 1,716,344 3,553,236

79049 Alfa Life Ins Corp AL L 1,415 904 1,613 2,857 5,038

75612 Gulf States Life Ins Co LA L 1,208 -33 8,120 107,102 257,865





Business Type

Earned Premiums $

2016 2015 2014 2013 2012

66087 Mid West Natl Life Ins Co Of TN TX L 478 1,036 2,191 1,912 8,480

87645 United Fidelity Life Ins Co TX L 388 522 1,479 4,624 7,194

70435 The Savings Bank Life Ins Co Of MA MA L 287 2,587 3,216 7,014 11,045

69663 USAA Life Ins Co TX L 65 77 121 -2,557 0

10097 Balboa Life Ins Co Of NY NY L 0 0 0 0 0

19232 Allstate Ins Co IL P 0 0 0 0 0

21075 Financial Amer Prop & Cas Ins Co TX P 0 0 0 0 81

41211 Triton Ins Co TX P 0 115,944 317,499 440,610 413,968

60186 Allstate Life Ins Co IL L 0 0 0 0 0

61018 Magna Ins Co MS L 0 0 0 0 0

61158 TRIPLE S BLUE PR L 0 0 0 16 16

61212 Baltimore Life Ins Co MD L 0 0 0 0 -101

61506 Resource Life Ins Co IL L 0 -31,913 -21,143 193,843 1,081,445

61824 Cherokee Natl Life Ins Co GA L 0 0 0 1,873,077 2,206,539

62596 Union Fidelity Life Ins Co KS L 0 764 3,869 12,673 8,048

65021 Stonebridge Life Ins Co VT L 0 0 485,940 613,117 1,979,452

65676 Lincoln Natl Life Ins Co IN L 0 0 0 0 102

65978 Metropolitan Life Ins Co NY L 0 0 0 0 7,717

67261 Old Republic Life Ins Co IL L 0 33 1,651 25,410 94,464

68160 Balboa Life Ins Co CA L 0 0 0 0 1,192

68241 Prudential Ins Co Of Amer NJ L 0 0 0 0 0

68349 North Amer Ins Co WI L 0 493 -244 4,671 15,894

68373 American Gen Assur Co IL L 0 0 0 0 0

69477 Time Ins Co WI L 0 1,450 1,240 2,101 2,519

69523 Trans Oceanic Life Ins Co PR L 0 0 0 0 3,293

69973 United Life Ins Co IA L 0 0 104 2,195 8,326

70173 Universal Underwriters Life Ins Co KS L 0 0 -3,309 13,333 160,248

71099 Parker Centennial Assur Co WI L 0 0 0 0 0

72613 USAA Direct Life Ins Co NE L 0 0 0 0 279

76112 Oxford Life Ins Co AZ L 0 0 -87 -203 388

81043 Bankers Life Ins Co NC L 0 0 0 0 68

83992 Foundation Life Ins Co Of AR AR L 0 225,992 223,585 165,578 174,802

85090 Dearborn Natl Life Ins Co of NY NY L 0 130 194 -487 -2,618

88080 Omaha Hlth Ins Co NE L 0 0 0 -2,225 -350

88374 Commonwealth Dealers Life Ins Co VA L 0 0 222 1,483 22,687

89087 Enterprise Life Ins Co TX L 0 1,239 67,520 438,151 1,246,385

89958 Shelterpoint Ins Co FL L 0 0 0 12,493 456,616

93521 General Fidelity Life Ins Co SC L 0 2,251 11,293 30,448 71,828





Business Type

Earned Premiums $

2016 2015 2014 2013 2012

94579 First Assur Life Of Amer LA L 0 0 0 0 4,041,247

97055 Mega Life & Hlth Ins Co The OK L 0 0 0 2,783 7,237

99465 Servco Life Ins Co TX L 0 25,285 176,255 590,671 1,260,703

68632 Vantis Life Ins Co CT L -556 -107 -583 14,694 11,695

118 COMPANIES IN REPORT - COUNTRYWIDE 865,775,951 878,034,164 870,143,016 896,366,074838,674,316





Business Type

Earned Premiums at Prima Facie Rates $

% of Earned Premiums Over or Under Earned Premiums at Prima Facie Rates

2016 20162015 20152014 20142013 20132012 2012

62626 CMFG Life Ins Co IA L -1.25-2.64-5.06-9.44-12.91406,219,637 378,492,695 355,369,764 336,269,837 331,092,25197691 Life Of The South Ins Co GA L -0.20-0.26-0.61-0.62-0.2963,823,911 66,386,974 50,856,850 43,097,702 39,241,70466168 Minnesota Life Ins Co MN L -4.34-4.53-5.00-5.32-5.3761,736,695 59,406,561 55,482,891 54,313,374 54,205,06960518 American Hlth & Life Ins Co TX L 2.333.285.076.246.4560,457,876 63,318,544 64,561,330 64,379,061 64,963,36465951 Merit Life Ins Co IN L 3.693.073.694.827.0242,333,399 41,415,199 38,093,238 31,422,983 26,378,71261751 Central States H & L Co Of Omaha NE L 4.545.106.367.746.9137,108,658 38,294,817 39,292,327 39,456,846 38,846,08960739 American Natl Ins Co TX L 0.620.40-3.122.09-1.7623,086,065 22,599,748 24,046,387 23,079,817 24,371,76660275 American Bankers Life Assur Co Of FL FL L -3.29-3.12-3.42-4.96-7.1519,584,878 33,744,465 51,162,732 57,971,090 62,084,13086231 Transamerica Life Ins Co IA L 7.957.246.835.225.3916,743,927 31,722,372 31,289,020 31,206,343 30,303,22697152 Plateau Ins Co TN L 0.310.000.120.510.9416,709,908 15,036,689 12,752,833 10,339,834 8,442,45010111 American Bankers Ins Co Of FL FL P 0.000.000.000.000.0012,327,904 13,399,146 13,501,253 14,242,354 16,686,28768136 Protective Life Ins Co TN L 7.537.227.849.079.3911,506,413 12,645,935 13,733,634 14,244,020 15,538,57661298 Bankers Life Of LA LA L 0.000.000.000.000.008,651,084 8,474,698 7,643,258 7,298,806 6,824,36566281 Transamerica Premier Life Ins Co IA L -14.25-18.85-21.44-21.98-17.428,320,398 12,439,794 10,320,407 12,875,536 12,654,67567628 Pekin Life Ins Co IL L -0.23-0.20-0.200.660.288,176,579 7,578,047 7,003,644 5,996,515 5,139,82525178 State Farm Mut Auto Ins Co IL P 0.470.400.970.651.327,839,079 10,453,505 10,764,781 10,067,150 9,179,52198736 American Federated Life Ins Co MS L 0.000.000.000.000.007,139,744 7,018,822 6,947,807 6,721,084 6,429,53399538 SWBC Life Ins Co TX L 30.0028.3426.1122.3610.106,947,125 1,541,780 920,903 793,434 622,32573156 Caribbean Amer Life Assur Co PR L 0.000.000.000.000.006,164,563 6,395,019 6,807,855 7,192,781 7,568,33993742 Securian Life Ins Co MN L -25.50-19.87-13.85-19.01-22.915,962,420 5,193,705 5,750,247 3,760,580 2,677,60134274 Central States Ind Co Of Omaha NE P -10.79-15.53-15.62-16.91-15.495,923,761 6,561,394 7,249,827 8,030,683 9,551,77360242 Southern Financial Life Ins Co KY L 0.000.000.000.000.005,081,368 4,840,698 4,144,988 4,094,563 4,037,70893777 Pavonia Life Ins Co of MI MI L -0.69-0.82-5.07-1.462.064,631,036 7,399,105 10,538,392 14,264,064 22,439,28465811 American Modern Life Ins Co OH L 5.974.975.345.756.244,463,578 5,527,143 6,818,862 8,078,287 10,339,34176007 Old United Life Ins Co AZ L 9.619.689.158.618.124,446,398 4,443,836 4,336,945 4,231,712 4,228,60065480 Old Spartan Life Ins Co Inc SC L 0.000.000.000.000.004,408,864 4,854,104 5,819,073 7,039,802 6,524,73764904 Investors Heritage Life Ins Co KY L 0.000.000.000.000.003,298,917 3,273,897 3,411,793 3,555,535 3,592,11670688 Transamerica Financial Life Ins Co NY L -16.13-15.89-16.6527.2415.963,153,231 1,689,488 7,093,506 7,291,187 7,295,03060836 American Republic Ins Co IA L 0.09-0.340.081.571.212,086,753 2,107,256 2,606,752 2,797,375 3,228,61464211 Guarantee Trust Life Ins Co IL L 0.010.000.00-0.010.001,908,638 2,675,648 4,110,333 5,840,184 7,933,31181477 Union Security Life Ins Co of NY NY L -46.19-47.62-48.94-49.30-49.241,633,823 1,710,641 1,838,113 2,486,622 2,962,20771455 Financial Amer Life Ins Co KS L 5.125.225.847.488.921,557,139 2,775,343 4,668,607 7,525,831 8,418,17681779 Individual Assur Co Life Hlth & Acc OK L -0.29-0.13-0.14-0.18-0.161,001,363 1,703,192 3,099,058 4,164,851 4,620,81977976 Gulf Guar Life Ins Co MS L 0.000.000.00-0.920.00946,271 980,366 1,028,921 1,092,514 1,126,51860244 Kentucky Home Life Ins Co KY L 0.000.000.080.000.00923,913 910,461 960,114 1,140,972 1,474,39570548 Wichita Natl Life Ins Co OK L -2.150.000.000.000.00895,373 1,085,096 1,131,893 1,178,411 1,253,14880020 Mountain Life Ins Co TN L 0.000.000.000.000.00894,113 919,939 972,199 1,071,741 1,167,93662650 Delta Life Ins Co GA L 0.000.000.000.000.00813,927 855,853 884,749 889,888 1,044,45574365 Southern Pioneer Life Ins Co AR L 0.000.000.000.000.00760,725 807,363 830,408 1,055,891 1,706,47571463 CICA Life Ins Co of Amer CO L 0.000.000.000.000.00702,857 678,815 676,617 707,191 672,11374233 First Natl Life Ins Co Of USA NE L 0.000.000.000.000.00697,634 788,016 827,603 913,351 988,526





Business Type



2016 20162015 20152014 20142013 20132012 2012

71323 Zale Life Ins Co AZ L 0.000.000.000.000.00686,922 716,183 780,300 792,477 755,33985677 Life Assur Co Inc OK L 0.000.000.000.000.00633,107 737,523 807,405 882,448 923,47177054 MAPFRE Life Ins Co of PR PR L 54.39-4.96-65.17-67.30-0.82483,556 1,035,905 270,075 96,476 80,08030325 Zale Ind Co TX P 0.000.000.000.000.00452,243 445,871 477,933 466,764 462,59260041 UNIVERSAL LIFE INS CO PR L 0.000.000.000.000.00420,007 612,180 865,465 607,298 487,69177690 Trans City Life Ins Co AZ L 0.000.000.000.000.00411,509 343,904 490,126 445,003 504,94488536 Protective Life & Annuity Ins Co AL L 0.00-0.34-10.42-20.97-19.29376,912 461,981 498,806 498,259 585,36410952 Transamerica Cas Ins Co OH P -9.55-9.70-9.49-10.12-9.58329,201 372,159 392,711 449,184 529,15360534 American Heritage Life Ins Co FL L 0.17-0.40-0.130.010.00257,702 716,845 5,264,436 -668,787 538,92579340 Pavonia Life Ins Co NY NY L -16.96-25.82-24.93-28.05-49.67227,170 319,171 283,681 605,838 1,151,68674470 Great Central Life Ins Co LA L 0.000.000.000.000.00222,346 325,130 364,384 391,787 361,09193650 Versant Life Ins Co MS L 0.000.000.000.000.00189,940 202,349 503,312 159,065 220,32242978 American Security Ins Co DE P NR0.000.000.000.00147,775 172,000 202,798 329,883 013762 American Natl Lif Ins Co of NY NY L NRNRNRNR-0.84141,524 0 0 0 062383 Centurion Life Ins Co IA L -1.99-0.68-0.140.000.00140,996 196,640 267,093 443,860 796,54886118 Arkansas Bankers Life Ins Co AR L 0.000.000.000.000.00115,287 128,248 157,646 391,676 208,40960488 American Gen Life Ins Co TX L 0.910.740.68-807.410.36100,845 266,384 931,752 1,428,876 2,746,95675094 Life Ins Co Of LA LA L 0.000.000.000.000.0093,873 111,009 119,623 115,602 95,14342986 Standard Guar Ins Co DE P NR0.000.000.000.0086,486 143,863 200,509 255,063 072087 Multinational Life Ins Co PR L NR0.000.000.000.0085,993 97,327 118,533 154,516 079715 Cooperativa De Seguros De Vida PR L 0.000.000.000.000.0068,897 214,748 328,889 520,545 1,602,23570106 United States Life Ins Co in the Cit NY L -19.00-20.77-24.27-57.07-63.7858,978 106,101 109,005 187,070 397,73111162 Insurance Co of the South GA P 0.000.000.000.000.0056,598 35,753 88,810 109,522 129,04060895 American United Life Ins Co IN L -14.10-14.12-13.22-9.98-4.6253,415 139,332 244,640 436,236 634,18261409 National Benefit Life Ins Co NY L 1.328.5917.0411.03-11.3051,310 221,302 506,323 907,806 1,446,51992649 American Underwriters Life Ins Co AZ L NRNR0.000.000.0023,648 34,604 49,487 0 098868 Sheridan Life Ins Co OK L 0.000.000.000.000.0021,085 19,240 23,354 23,086 28,83394447 Century Life Ass Co OK L 0.000.00-0.110.00-1.9211,962 25,319 53,263 111,758 202,81565560 Life Protection Ins Co TX L 24.8625.3925.0524.2423.489,035 72,488 277,698 356,340 448,62393815 Pacific Century Life Ins Corp AZ L 0.000.000.000.000.004,903 5,873 6,412 6,629 7,16765757 Shelter Life Ins Co MO L 0.020.000.000.000.001,841 5,348 10,233 29,072 51,13679049 Alfa Life Ins Corp AL L -38.55-44.51-49.11-49.517.301,318 1,791 3,169 5,149 8,19877151 Service Life & Cas Ins Co TX L 23.2223.2423.1523.5923.991,317 66,776 374,709 1,392,656 2,883,58875612 Gulf States Life Ins Co LA L 0.000.000.000.000.001,208 -33 8,120 107,102 257,86566087 Mid West Natl Life Ins Co Of TN TX L 0.000.000.000.000.00478 1,036 2,191 1,912 8,48087645 United Fidelity Life Ins Co TX L 0.000.000.000.000.00388 522 1,479 4,624 7,19470435 The Savings Bank Life Ins Co Of MA MA L -19.16-19.15-19.16-19.16-19.15355 3,200 3,978 8,675 13,66269663 USAA Life Ins Co TX L NR1.733.420.000.0065 77 117 -2,602 061212 Baltimore Life Ins Co MD L 0.00NRNRNRNR0 0 0 0 -10119232 Allstate Ins Co IL P NRNRNRNRNR0 0 0 0 021075 Financial Amer Prop & Cas Ins Co TX P 0.00NRNRNRNR0 0 0 0 81





Business Type



2016 20162015 20152014 20142013 20132012 2012

61158 TRIPLE S BLUE PR L 0.000.00NRNRNR0 0 0 16 1641211 Triton Ins Co TX P 0.000.000.000.00NR0 115,944 317,499 440,610 413,96860186 Allstate Life Ins Co IL L NRNRNRNRNR0 0 0 0 061506 Resource Life Ins Co IL L 7.066.59-23.290.00NR0 -31,912 -17,149 181,860 1,010,17161018 Magna Ins Co MS L NRNRNRNRNR0 0 0 0 070173 Universal Underwriters Life Ins Co KS L -0.921.03-1.07NRNR0 0 -3,274 13,197 161,73499465 Servco Life Ins Co TX L 0.000.000.00-0.04NR0 25,295 176,254 590,673 1,260,70197055 Mega Life & Hlth Ins Co The OK L 0.000.00NRNRNR0 0 0 2,783 7,23794579 First Assur Life Of Amer LA L 0.00NRNRNRNR0 0 0 0 4,041,24793521 General Fidelity Life Ins Co SC L 0.000.00-0.010.00NR0 2,251 11,294 30,448 71,82889958 Shelterpoint Ins Co FL L -0.06-1.61NRNRNR0 0 0 12,697 456,89389087 Enterprise Life Ins Co TX L 0.000.000.000.16NR0 1,237 67,520 438,151 1,246,38588374 Commonwealth Dealers Life Ins Co VA L 0.260.201.83NRNR0 0 218 1,480 22,62988080 Omaha Hlth Ins Co NE L -30.110.00NRNRNR0 0 0 -2,225 -26985090 Dearborn Natl Life Ins Co of NY NY L -29.0914.5642.6541.30NR0 92 136 -570 -2,02883992 Foundation Life Ins Co Of AR AR L 0.000.000.000.00NR0 225,992 223,585 165,578 174,80281043 Bankers Life Ins Co NC L 0.01NRNRNRNR0 0 0 0 6776112 Oxford Life Ins Co AZ L 0.000.000.00NRNR0 0 -87 -203 38869477 Time Ins Co WI L 0.000.000.000.00NR0 1,450 1,240 2,101 2,51971099 Parker Centennial Assur Co WI L NRNRNRNRNR0 0 0 0 068241 Prudential Ins Co Of Amer NJ L NRNRNRNRNR0 0 0 0 062596 Union Fidelity Life Ins Co KS L 0.000.000.000.00NR0 764 3,869 12,673 8,04865021 Stonebridge Life Ins Co VT L -11.63-10.96-12.03NRNR0 0 552,394 688,582 2,239,83365676 Lincoln Natl Life Ins Co IN L 13.33NRNRNRNR0 0 0 0 9065978 Metropolitan Life Ins Co NY L 0.00NRNRNRNR0 0 0 0 7,71772613 USAA Direct Life Ins Co NE L 5.28NRNRNRNR0 0 0 0 26568160 Balboa Life Ins Co CA L 0.00NRNRNRNR0 0 0 0 1,19261824 Cherokee Natl Life Ins Co GA L 0.000.00NRNRNR0 0 0 1,873,077 2,206,53968349 North Amer Ins Co WI L 0.040.000.180.00NR0 493 -244 4,671 15,88868373 American Gen Assur Co IL L NRNRNRNRNR0 0 0 0 010097 Balboa Life Ins Co Of NY NY L NRNRNRNRNR0 0 0 0 069523 Trans Oceanic Life Ins Co PR L -95.06NRNRNRNR0 0 0 0 66,67669973 United Life Ins Co IA L 0.040.000.00NRNR0 0 104 2,195 8,32367261 Old Republic Life Ins Co IL L 0.000.000.000.00NR0 33 1,651 25,410 94,46468632 Vantis Life Ins Co CT L 0.000.000.000.00-95.09-285 -107 -583 14,694 11,69592274 Landcar Life Ins Co UT L -76.6162.42544.93865.031,916.66-20,972 -85,392 -231,403 936,112 6,012,946

118 COMPANIES IN REPORT - COUNTRYWIDE 900,760,458 895,541,402 879,664,680 905,972,018 -5.45 -1.06-1.08-1.95-3.88887,018,883




EARNED PREMIUMS




# of Companies Reporting "Net Written Premiums" for Credit Insurance

CREDIT A&HBY STATE


Earned Premiums $Business Written in the

State Of 2016 20162015 20152014 20142013 20132012 2012

Alabama 27 30 30 31 19,561,389 18,747,164 18,464,909 18,032,85226 20,031,036

Alaska 14 17 19 19 718,440 924,779 1,066,638 1,483,35514 602,775

American Samoa 1 1 0 12 58 1740

Arizona 21 28 31 33 3,754,123 3,958,440 3,950,842 4,493,70621 3,329,007

Arkansas 26 25 28 32 3,508,134 3,878,779 4,433,765 4,710,74221 2,984,473

California 14 17 20 19 12,029,360 13,047,092 15,487,363 18,486,59215 11,210,351

Colorado 28 30 29 31 4,803,359 5,091,868 5,468,062 5,844,55526 4,333,999

Connecticut 20 21 21 22 5,364,453 5,331,719 5,258,831 5,738,07519 5,380,611

Delaware 19 20 24 26 1,317,905 1,514,852 1,649,084 2,031,79819 1,246,855

District Of Columbia 11 11 11 13 2,034,343 2,040,700 1,987,638 2,121,67411 1,799,183

Florida 23 27 29 30 38,639,737 38,169,275 37,221,809 37,880,93423 40,509,025

Georgia 29 30 34 35 63,267,924 60,604,224 58,421,184 56,653,75628 53,506,462

Guam 6 6 6 7 231,039 188,566 145,615 160,0445 251,307

Hawaii 13 15 18 18 7,662,294 7,602,686 7,471,417 7,601,61213 7,622,989

Idaho 23 24 23 26 6,588,913 6,160,799 5,785,805 5,777,56722 7,214,035

Illinois 29 33 34 37 35,850,818 37,649,666 37,413,771 37,586,51227 33,604,230

Indiana 29 33 34 33 15,664,960 15,709,993 15,529,392 16,101,14427 15,306,099

Iowa 24 27 28 30 14,368,843 14,473,397 15,519,501 17,014,36924 13,401,897

Kansas 28 32 32 34 13,169,041 13,022,397 12,663,642 13,067,05827 13,453,021

Kentucky 20 23 25 27 25,173,888 24,623,629 24,105,639 23,310,49718 24,747,170

Louisiana 28 34 34 37 35,696,416 35,224,693 33,517,598 36,433,98027 34,833,931

Maine 18 18 18 18 5,364,251 5,644,703 5,738,008 5,935,04218 5,114,699

Maryland 24 23 25 28 9,992,213 10,517,326 10,574,783 11,061,65322 9,451,757

Massachusetts 17 20 22 23 4,655,880 5,364,961 6,006,124 7,013,04516 4,111,179

Michigan 27 31 30 32 34,489,833 32,583,284 30,472,065 29,981,85527 34,894,227

Minnesota 19 22 24 26 9,166,943 9,610,280 9,735,581 10,555,58820 9,015,461

Mississippi 27 29 31 34 24,060,720 24,336,115 23,208,963 22,723,66624 24,228,491

Missouri 35 37 39 39 14,819,300 14,941,604 14,794,234 15,386,93233 13,353,303

Montana 19 20 20 25 2,532,781 3,000,999 3,546,117 4,114,17617 2,307,843

Nebraska 22 25 26 28 6,058,092 6,521,553 7,236,077 7,779,11222 5,237,437

Nevada 17 19 21 24 1,378,832 1,355,990 1,417,139 1,768,39316 1,319,788

New Hampshire 17 18 21 23 10,969,563 12,379,883 10,593,304 12,158,92616 11,100,897

New Jersey 18 19 19 22 7,644,616 7,930,283 9,380,226 10,362,47719 7,113,928

New Mexico 27 31 33 33 7,968,333 8,174,016 7,793,791 7,583,05927 7,737,922

New York 14 14 16 16 44,921,778 46,669,951 46,521,450 47,209,57515 49,653,467

North Carolina 24 26 30 31 40,157,346 39,594,677 38,220,117 38,828,83324 40,356,118

North Dakota 19 19 22 26 5,355,763 5,306,504 5,080,848 5,037,02817 5,013,058

Northern Mariana Islands 2 3 3 3 67,308 59,191 47,271 58,0382 71,683

Ohio 29 31 35 37 27,199,797 27,005,685 26,238,388 26,891,82829 26,306,675


# of Companies Reporting "Net Written Premiums" for Credit Insurance

CREDIT A&HBY STATE


Earned Premiums $Business Written in the

State Of 2016 20162015 20152014 20142013 20132012 2012

Oklahoma 25 29 32 35 7,440,028 8,044,076 9,000,608 9,473,03625 6,495,189

Oregon 23 26 27 26 6,246,469 7,029,621 7,347,222 8,382,48622 5,610,717

Pennsylvania 25 26 28 27 31,527,511 36,229,094 39,338,919 43,561,44426 28,670,653

Puerto Rico 7 8 8 7 7,292,996 7,799,602 8,156,718 9,373,7017 6,860,896

Rhode Island 11 16 15 18 778,190 752,246 1,065,741 1,215,87312 713,992

South Carolina 21 26 29 30 25,048,135 28,138,168 27,620,287 26,975,11622 23,991,092

South Dakota 20 22 22 25 5,131,952 5,335,838 5,535,204 5,671,72820 4,822,869

Tennessee 29 33 32 35 25,416,055 25,403,044 25,803,731 27,302,23228 25,791,495

Texas 32 39 42 41 127,034,547 127,390,994 121,658,416 120,182,97431 122,878,197

US Virgin Islands 5 6 6 6 422,124 522,566 590,952 688,7125 388,406

Utah 23 22 24 26 10,380,621 8,887,772 8,614,033 8,355,85825 10,833,059

Vermont 15 16 15 16 1,633,862 1,988,196 1,850,860 1,992,56314 1,439,943

Virginia 25 26 29 31 23,453,885 22,404,643 20,776,588 20,563,56025 22,386,632

Washington 21 25 26 27 5,396,130 5,743,249 5,992,383 6,632,22422 5,142,160

West Virginia 23 24 27 25 5,334,138 5,216,183 5,356,475 5,595,73123 4,702,850

Wisconsin 26 29 34 35 15,596,630 16,525,350 17,216,874 18,944,82327 14,940,513

Wyoming 16 18 21 22 1,433,950 1,661,789 2,050,958 2,473,79015 1,249,262

Total 865,775,951 878,034,164 870,143,016 896,366,074838,674,3161,126 1,154 1,280 1,362 1,441


CREDIT A&HBY STATE


Earned Premiums at Prima Facie Rates $% of Earned Premiums Over or (Under) Earned

Premiums at Prima Facie Rates

Business Written in the State Of 2016 20162015 20152014 20142013 20132012 2012

-4.93 -4.87 -3.07-3.84-4.60Alabama 20,563,093 19,651,511 19,202,490 18,604,76421,069,960

-0.16 -0.17 -0.03-0.21-0.12Alaska 719,668 925,896 1,068,857 1,483,833603,726

NR NR 0.000.000.00American Samoa 0 12 58 1740

5.13 6.16 -5.273.636.26Arizona 3,536,140 3,725,320 3,812,552 4,743,5773,166,465

5.78 4.12 2.391.732.48Arkansas 3,369,413 3,784,963 4,358,168 4,600,9052,821,421

-31.07 -31.72 -20.44-21.17-24.02California 17,618,189 17,171,247 19,646,856 23,237,42416,262,662

-17.24 -5.80 -14.60-6.76-5.28Colorado 5,099,072 5,375,507 5,864,297 6,843,4905,236,929

-15.68 -18.00 3.553.472.74Connecticut 6,541,763 5,189,512 5,082,286 5,541,5386,380,996

-12.79 -11.33 -2.79-4.75-5.64Delaware 1,486,288 1,605,342 1,731,317 2,090,1051,429,735

0.27 10.96 6.146.339.85District Of Columbia 1,833,367 1,857,762 1,869,308 1,998,9521,794,403

-7.24 -6.07 -0.21-3.53-5.78Florida 41,137,544 40,509,883 38,584,347 37,959,39643,671,034

-0.62 -0.58 -0.57-0.63-0.59Georgia 63,637,773 60,962,284 58,790,726 56,977,27153,840,837

0.00 0.00 0.000.000.00Guam 231,040 188,564 145,615 160,046251,308

5.97 6.57 5.445.646.92Hawaii 7,190,020 7,110,724 7,072,383 7,209,1637,193,755

-10.54 -2.84 -4.29-2.45-3.03Idaho 6,781,227 6,353,560 5,930,984 6,036,4208,064,279

-2.69 0.61 0.29-0.05-1.15Illinois 35,634,819 38,089,172 37,432,852 37,476,09734,531,544

8.68 8.33 6.847.578.52Indiana 14,460,950 14,476,575 14,436,895 15,070,99114,083,336

-0.02 2.52 -0.21-0.110.03Iowa 14,015,457 14,468,360 15,536,851 17,050,85913,404,761

-14.18 -13.91 -3.40-5.73-12.85Kansas 15,295,948 14,942,276 13,433,562 13,526,85815,675,444

-1.80 -8.04 -2.93-3.09-4.94Kentucky 27,374,847 25,904,520 24,874,675 24,014,79825,200,022

5.38 5.38 10.5412.668.88Louisiana 33,874,245 32,350,761 29,751,863 32,959,88133,054,235

-15.23 -13.64 -10.01-11.41-11.06Maine 6,211,566 6,346,839 6,476,700 6,595,2926,033,651

-36.99 -35.83 -27.61-28.22-31.64Maryland 15,570,538 15,385,924 14,732,987 15,280,94915,001,026

3.46 -10.44 -9.15-8.67-8.98Massachusetts 5,198,450 5,894,188 6,576,611 7,719,4753,973,881

-5.60 -3.35 7.244.890.93Michigan 35,685,281 32,282,602 29,052,817 27,958,00236,963,052

5.40 4.88 5.617.497.45Minnesota 8,740,800 8,944,283 9,057,408 9,994,9128,553,319

-9.15 -8.25 -5.89-5.94-7.36Mississippi 26,223,317 26,269,991 24,675,155 24,145,09626,667,436

-3.38 -0.74 2.081.511.78Missouri 14,929,592 14,680,198 14,574,806 15,073,34213,820,143

-4.71 -3.23 12.136.06-1.58Montana 2,617,221 3,049,172 3,343,596 3,669,1102,421,821

3.24 -2.09 0.020.05-0.04Nebraska 6,187,656 6,524,431 7,232,449 7,777,9375,073,207

5.67 6.01 0.654.094.24Nevada 1,300,677 1,300,773 1,361,438 1,756,9711,248,930

-41.65 -19.32 -20.27-20.41-20.23New Hampshire 13,595,997 15,519,144 13,310,516 15,249,88019,023,138

-7.98 -5.67 13.3114.245.23New Jersey 8,103,795 7,535,791 8,210,988 9,144,8437,730,542

10.50 6.26 -6.573.785.38New Mexico 7,498,572 7,757,056 7,509,627 8,116,1777,002,458

-31.99 -30.31 -28.34-29.03-29.52New York 64,461,048 66,219,505 65,551,739 65,876,60073,009,544

-1.62 -1.06 -0.37-0.42-1.04North Carolina 40,586,836 40,012,435 38,380,171 38,973,28641,022,196

-1.42 0.01 0.030.02-0.02North Dakota 5,355,458 5,307,684 5,080,024 5,035,4705,085,023

0.00 0.00 0.000.000.00Northern Mariana Islands 67,308 59,191 47,271 58,03871,683

10.20 4.57 6.937.699.76Ohio 26,011,353 24,603,813 24,364,310 25,149,70523,871,477


CREDIT A&HBY STATE


Earned Premiums at Prima Facie Rates $% of Earned Premiums Over or (Under) Earned

Premiums at Prima Facie Rates

Business Written in the State Of 2016 20162015 20152014 20142013 20132012 2012

-1.82 -1.03 -3.00-2.73-1.55Oklahoma 7,517,270 8,170,567 9,253,080 9,766,0946,615,401

3.07 5.32 4.345.685.99Oregon 5,930,980 6,632,373 6,952,010 8,033,8315,443,544

4.65 -3.30 5.366.325.53Pennsylvania 32,604,322 34,329,490 37,001,745 41,344,28127,396,296

-0.49 -8.83 -0.62-0.19-2.27Puerto Rico 7,999,768 7,981,079 8,171,857 9,432,5256,894,477

25.60 30.41 -3.30-1.9037.44Rhode Island 596,746 547,308 1,086,340 1,257,339568,446

-0.16 2.34 -0.74-1.31-4.47South Carolina 24,474,668 29,454,856 27,986,604 27,175,12924,029,940

-8.99 -7.82 0.49-6.93-7.34South Dakota 5,567,196 5,758,528 5,947,399 5,644,1545,299,304

-34.43 -24.95 -2.91-5.03-6.15Tennessee 33,865,148 27,067,425 27,170,204 28,119,35539,331,653

16.56 15.36 14.1614.4114.51Texas 110,122,948 111,250,488 106,333,082 105,279,655105,418,664

8.22 2.34 6.001.781.06US Virgin Islands 412,487 517,107 580,595 649,714358,888

-26.65 -24.05 -31.59-8.90-8.09Utah 13,666,921 9,670,238 9,455,815 12,214,77214,769,374

-17.51 -18.33 -13.22-15.14-15.73Vermont 2,000,619 2,359,205 2,181,027 2,296,0921,745,697

8.21 6.54 12.43-0.015.87Virginia 22,014,074 21,162,488 20,777,998 18,290,34120,687,337

6.62 6.00 2.165.167.59Washington 5,090,724 5,338,146 5,698,206 6,492,0974,822,902

9.24 23.21 25.2821.9021.59West Virginia 4,329,455 4,289,980 4,394,080 4,466,5514,305,027

8.24 8.44 6.114.64-2.85Wisconsin 14,382,115 17,009,581 16,454,033 17,853,93513,803,526

2.48 -0.33 -0.83-0.20-0.24Wyoming 1,438,690 1,665,771 2,055,050 2,494,5261,219,029

Total 900,760,458 895,541,402 879,664,680 905,972,018 -5.45 -3.88 -1.95 -1.08 -1.06887,018,883









Business Type



2016 2015 2014 2013 2012

62626 CMFG Life Ins Co IA L 353,151,875 340,545,414 335,670,358 325,195,625 325,017,794

97691 Life Of The South Ins Co GA L 63,971,127 74,113,141 57,309,982 45,300,287 41,783,338

66168 Minnesota Life Ins Co MN L 63,346,790 58,919,693 55,726,638 51,400,177 52,185,624

65951 Merit Life Ins Co IN L 48,016,469 54,508,358 57,615,505 47,748,857 31,144,940

60518 American Hlth & Life Ins Co TX L 45,904,433 68,864,384 73,419,368 75,433,134 64,433,084

61751 Central States H & L Co Of Omaha NE L 32,800,201 39,441,877 44,968,263 47,284,239 47,105,569

60739 American Natl Ins Co TX L 23,371,262 22,528,808 22,922,421 23,050,200 22,751,334

97152 Plateau Ins Co TN L 19,735,748 18,192,255 15,655,241 12,794,122 9,152,872

86231 Transamerica Life Ins Co IA L 12,910,399 31,274,245 32,828,005 32,922,022 30,796,734

60275 American Bankers Life Assur Co Of FL FL L 12,381,060 19,399,795 38,834,605 57,143,914 60,697,040

10111 American Bankers Ins Co Of FL FL P 12,327,903 13,399,144 13,501,254 14,242,353 16,686,287

68136 Protective Life Ins Co TN L 9,279,861 11,760,588 12,749,523 14,587,255 14,749,458

67628 Pekin Life Ins Co IL L 8,872,940 8,612,501 8,573,716 8,325,268 6,509,061

61298 Bankers Life Of LA LA L 8,339,379 9,063,001 8,007,613 7,608,018 7,299,897

99538 SWBC Life Ins Co TX L 7,636,191 1,951,742 1,408,156 973,361 799,245

98736 American Federated Life Ins Co MS L 6,997,373 7,076,412 7,321,110 6,634,295 6,877,611

73156 Caribbean Amer Life Assur Co PR L 5,496,652 5,676,143 5,632,664 6,743,114 7,343,348

60242 Southern Financial Life Ins Co KY L 5,365,943 5,136,411 4,410,700 4,185,779 4,176,871

34274 Central States Ind Co Of Omaha NE P 5,006,166 5,451,911 6,117,417 6,783,150 8,521,006

93742 Securian Life Ins Co MN L 4,828,640 4,075,972 5,040,280 4,976,079 3,003,379

93777 Pavonia Life Ins Co of MI MI L 4,725,780 7,290,878 9,989,919 13,237,740 19,438,727

76007 Old United Life Ins Co AZ L 4,686,108 4,267,646 5,440,959 5,432,713 5,028,518

65480 Old Spartan Life Ins Co Inc SC L 4,182,033 4,806,230 5,230,292 7,087,546 6,671,597

65811 American Modern Life Ins Co OH L 3,921,253 5,576,930 6,506,340 6,445,158 8,907,373

64904 Investors Heritage Life Ins Co KY L 3,289,063 3,389,788 3,374,980 3,299,847 3,612,491

70688 Transamerica Financial Life Ins Co NY L 2,744,980 1,653,542 5,689,648 6,093,985 6,191,385

66281 Transamerica Premier Life Ins Co IA L 2,445,431 9,995,232 8,345,610 10,887,051 9,687,124

60836 American Republic Ins Co IA L 2,025,378 1,905,306 1,992,662 2,284,220 2,849,109

70548 Wichita Natl Life Ins Co OK L 864,314 984,489 1,154,829 1,071,464 1,290,312

81477 Union Security Life Ins Co of NY NY L 829,291 867,334 921,736 1,187,997 1,218,989

80020 Mountain Life Ins Co TN L 821,522 966,823 878,522 975,055 1,072,109

77976 Gulf Guar Life Ins Co MS L 820,140 947,397 945,413 1,042,656 1,040,996

60244 Kentucky Home Life Ins Co KY L 811,632 938,191 806,961 811,715 847,607

62650 Delta Life Ins Co GA L 800,383 842,102 876,902 886,565 975,604

74365 Southern Pioneer Life Ins Co AR L 688,907 738,879 900,922 516,241 919,431

71323 Zale Life Ins Co AZ L 686,922 716,183 780,300 792,477 755,339

71463 CICA Life Ins Co of Amer CO L 623,728 711,748 692,130 694,754 782,553

77690 Trans City Life Ins Co AZ L 493,935 395,245 447,995 411,220 430,507




Business Type



2016 2015 2014 2013 2012

77054 MAPFRE Life Ins Co of PR PR L 483,556 1,035,905 270,075 96,476 80,080

30325 Zale Ind Co TX P 452,243 445,871 477,933 466,764 462,592

74233 First Natl Life Ins Co Of USA NE L 431,141 703,267 732,927 749,509 870,492

13762 American Natl Lif Ins Co of NY NY L 374,699 0 0 0 0

85677 Life Assur Co Inc OK L 355,710 595,433 765,822 788,845 973,930

74470 Great Central Life Ins Co LA L 303,970 336,504 333,159 381,527 377,508

10952 Transamerica Cas Ins Co OH P 297,650 334,490 355,435 405,628 478,637

64211 Guarantee Trust Life Ins Co IL L 274,009 754,490 1,557,505 3,198,582 6,782,941

93650 Versant Life Ins Co MS L 189,940 202,349 164,331 108,751 113,576

88536 Protective Life & Annuity Ins Co AL L 162,777 184,956 234,641 326,227 429,324

42978 American Security Ins Co DE P 147,775 172,000 202,798 329,883 0

62383 Centurion Life Ins Co IA L 140,994 196,184 262,491 424,573 713,080

81779 Individual Assur Co Life Hlth & Acc OK L 134,058 644,659 2,123,862 3,454,978 4,242,364

86118 Arkansas Bankers Life Ins Co AR L 115,287 128,248 157,646 0 127,055

79340 Pavonia Life Ins Co NY NY L 114,327 229,647 211,730 361,089 714,377

42986 Standard Guar Ins Co DE P 86,486 143,863 200,509 255,063 0

72087 Multinational Life Ins Co PR L 85,464 96,797 114,573 137,563 0

79715 Cooperativa De Seguros De Vida PR L 68,897 214,748 328,889 520,545 1,602,235

11162 Insurance Co of the South GA P 53,192 0 84,061 100,578 126,634

60488 American Gen Life Ins Co TX L 48,003 -2,006,646 652,689 569,642 615,725

75094 Life Ins Co Of LA LA L 38,738 60,631 133,892 160,533 137,207

60895 American United Life Ins Co IN L 35,313 91,886 154,654 248,254 236,448

98868 Sheridan Life Ins Co OK L 10,741 2,437 18,915 4,177 22,853

92649 American Underwriters Life Ins Co AZ L 7,065 7,697 38,107 0 0

93815 Pacific Century Life Ins Corp AZ L 4,903 5,873 6,412 6,629 7,167

70106 United States Life Ins Co in the Cit NY L 2,635 -1,223 -2,300 -29,639 -81,496

94447 Century Life Ass Co OK L 2,144 -837 -8,509 6,648 18,484

19232 Allstate Ins Co IL P 0 0 0 0 0

60186 Allstate Life Ins Co IL L 0 0 0 0 0

68373 American Gen Assur Co IL L 0 0 0 0 0

68160 Balboa Life Ins Co CA L 0 0 0 0 0

10097 Balboa Life Ins Co Of NY NY L 0 0 0 0 0

61212 Baltimore Life Ins Co MD L 0 0 0 0 -101

81043 Bankers Life Ins Co NC L 0 0 0 0 0

61824 Cherokee Natl Life Ins Co GA L 0 0 0 1,534,334 1,872,468

88374 Commonwealth Dealers Life Ins Co VA L 0 0 0 -3,391 -1,172

85090 Dearborn Natl Life Ins Co of NY NY L 0 0 0 -702 -4,295

89087 Enterprise Life Ins Co TX L 0 -43 -7,781 -78,913 -227,966




Business Type



2016 2015 2014 2013 2012

21075 Financial Amer Prop & Cas Ins Co TX P 0 0 0 0 0

94579 First Assur Life Of Amer LA L 0 0 0 0 3,284,805

83992 Foundation Life Ins Co Of AR AR L 0 161,081 0 143,581 143,043

93521 General Fidelity Life Ins Co SC L 0 0 -188 -6,453 -15,178

75612 Gulf States Life Ins Co LA L 0 -33 -2,178 -29,437 232,608

65676 Lincoln Natl Life Ins Co IN L 0 0 0 0 0

61018 Magna Ins Co MS L 0 0 0 0 0

97055 Mega Life & Hlth Ins Co The OK L 0 0 0 0 -1,211

65978 Metropolitan Life Ins Co NY L 0 0 0 0 7,699

66087 Mid West Natl Life Ins Co Of TN TX L 0 -25 0 -72 -47

68349 North Amer Ins Co WI L 0 0 -4,071 -4,755 -38

67261 Old Republic Life Ins Co IL L 0 0 -960 -38 -9,702

88080 Omaha Hlth Ins Co NE L 0 0 0 -2,225 -371

76112 Oxford Life Ins Co AZ L 0 0 -87 -203 0

71099 Parker Centennial Assur Co WI L 0 0 0 0 0

68241 Prudential Ins Co Of Amer NJ L 0 0 0 0 0

61506 Resource Life Ins Co IL L 0 -31,996 -34,159 -35,205 -87,290

99465 Servco Life Ins Co TX L 0 -681 -20,005 -52,805 -152,385

65757 Shelter Life Ins Co MO L 0 -1,209 -6,646 -7,850 21,698

89958 Shelterpoint Ins Co FL L 0 0 0 -12,949 -70,749

65021 Stonebridge Life Ins Co VT L 0 0 485,940 613,117 1,979,452

69477 Time Ins Co WI L 0 1,450 987 1,998 2,355

69523 Trans Oceanic Life Ins Co PR L 0 0 0 0 0

61158 TRIPLE S BLUE PR L 0 0 0 0 0

41211 Triton Ins Co TX P 0 115,944 317,499 440,610 413,968

62596 Union Fidelity Life Ins Co KS L 0 0 -38 -132 -13,989

69973 United Life Ins Co IA L 0 0 0 0 -202

70173 Universal Underwriters Life Ins Co KS L 0 0 -3,591 -9,807 -73,201

72613 USAA Direct Life Ins Co NE L 0 0 0 0 0

69663 USAA Life Ins Co TX L 0 0 0 -2,821 0

79049 Alfa Life Ins Corp AL L 0 -8 -78 -1,077 22

77151 Service Life & Cas Ins Co TX L -39 -4,121 -111,070 -157,665 -541,122

70435 The Savings Bank Life Ins Co Of MA MA L -49 -177 -1,017 4,086 3,629

87645 United Fidelity Life Ins Co TX L -150 0 -559 -2,002 1,184

68632 Vantis Life Ins Co CT L -285 -107 -2,102 -25 3,912

65560 Life Protection Ins Co TX L -3,078 -30,075 89,424 449,518 363,006

61409 National Benefit Life Ins Co NY L -14,880 28,509 24,424 -354,910 1,027,897

60534 American Heritage Life Ins Co FL L -18,294 -87,088 -303,411 -671,433 539,860




Business Type



2016 2015 2014 2013 2012

92274 Landcar Life Ins Co UT L -21,803 -71,261 -190,283 752,232 2,304,992

60041 UNIVERSAL LIFE INS CO PR L -193,249 -557,109 771,553 1,706,160 1,384,828

71455 Financial Amer Life Ins Co KS L -258,624 -653,737 -1,543,922 3,926,445 8,840,388

25178 State Farm Mut Auto Ins Co IL P -2,973,805 677,776 12,862,216 14,441,535 11,758,712

851,112,056 884,581,084 892,141,224 884,792,984COMPANIES IN REPORT - COUNTRYWIDE118 786,138,671




Business Type




2016 20162015 20152014 20142013 20132012 2012

62626 CMFG Life Ins Co IA L 3.70 1.45 3.22 0.05 -0.37 44.92 40.01 37.95 36.45 36.73

97691 Life Of The South Ins Co GA L -13.68 29.32 26.51 8.42 8.53 8.14 8.71 6.48 5.08 4.72

66168 Minnesota Life Ins Co MN L 7.51 5.73 8.42 -1.51 -4.84 8.06 6.92 6.30 5.76 5.90

65951 Merit Life Ins Co IN L -11.91 -5.39 20.66 53.31 8.05 6.11 6.40 6.51 5.35 3.52

60518 American Hlth & Life Ins Co TX L -33.34 -6.20 -2.67 17.07 4.57 5.84 8.09 8.30 8.46 7.28

61751 Central States H & L Co Of Omaha NE L -16.84 -12.29 -4.90 0.38 15.43 4.17 4.63 5.08 5.30 5.32

60739 American Natl Ins Co TX L 3.74 -1.72 -0.55 1.31 -4.22 2.97 2.65 2.59 2.58 2.57

97152 Plateau Ins Co TN L 8.48 16.21 22.36 39.78 21.44 2.51 2.14 1.77 1.43 1.03

86231 Transamerica Life Ins Co IA L -58.72 -4.73 -0.29 6.90 44.01 1.64 3.67 3.71 3.69 3.48

60275 American Bankers Life Assur Co Of FL FL L -36.18 -50.05 -32.04 -5.85 -2.88 1.57 2.28 4.39 6.41 6.86

10111 American Bankers Ins Co Of FL FL P -7.99 -0.76 -5.20 -14.65 -10.81 1.57 1.57 1.53 1.60 1.89

68136 Protective Life Ins Co TN L -21.09 -7.76 -12.60 -1.10 1.68 1.18 1.38 1.44 1.64 1.67

67628 Pekin Life Ins Co IL L 3.02 0.45 2.98 27.90 27.81 1.13 1.01 0.97 0.93 0.74

61298 Bankers Life Of LA LA L -7.98 13.18 5.25 4.22 17.22 1.06 1.06 0.91 0.85 0.83

99538 SWBC Life Ins Co TX L 291.25 38.60 44.67 21.79 73.76 0.97 0.23 0.16 0.11 0.09

98736 American Federated Life Ins Co MS L -1.12 -3.34 10.35 -3.54 3.94 0.89 0.83 0.83 0.74 0.78

73156 Caribbean Amer Life Assur Co PR L -3.16 0.77 -16.47 -8.17 10.11 0.70 0.67 0.64 0.76 0.83

60242 Southern Financial Life Ins Co KY L 4.47 16.45 5.37 0.21 7.19 0.68 0.60 0.50 0.47 0.47

34274 Central States Ind Co Of Omaha NE P -8.18 -10.88 -9.81 -20.39 -10.37 0.64 0.64 0.69 0.76 0.96

93742 Securian Life Ins Co MN L 18.47 -19.13 1.29 65.68 40.54 0.61 0.48 0.57 0.56 0.34

93777 Pavonia Life Ins Co of MI MI L -35.18 -27.02 -24.53 -31.90 -18.77 0.60 0.86 1.13 1.48 2.20

76007 Old United Life Ins Co AZ L 9.81 -21.56 0.15 8.04 28.19 0.60 0.50 0.62 0.61 0.57

65480 Old Spartan Life Ins Co Inc SC L -12.99 -8.11 -26.20 6.23 6.94 0.53 0.56 0.59 0.79 0.75

65811 American Modern Life Ins Co OH L -29.69 -14.28 0.95 -27.64 -20.72 0.50 0.66 0.74 0.72 1.01

64904 Investors Heritage Life Ins Co KY L -2.97 0.44 2.28 -8.65 -2.19 0.42 0.40 0.38 0.37 0.41

70688 Transamerica Financial Life Ins Co NY L 66.01 -70.94 -6.64 -1.57 0.58 0.35 0.19 0.64 0.68 0.70

66281 Transamerica Premier Life Ins Co IA L -75.53 19.77 -23.34 12.39 -1.00 0.31 1.17 0.94 1.22 1.09

60836 American Republic Ins Co IA L 6.30 -4.38 -12.76 -19.83 -7.24 0.26 0.22 0.23 0.26 0.32

70548 Wichita Natl Life Ins Co OK L -12.21 -14.75 7.78 -16.96 2.40 0.11 0.12 0.13 0.12 0.15

81477 Union Security Life Ins Co of NY NY L -4.39 -5.90 -22.41 -2.54 -10.25 0.11 0.10 0.10 0.13 0.14

80020 Mountain Life Ins Co TN L -15.03 10.05 -9.90 -9.05 -6.72 0.10 0.11 0.10 0.11 0.12

77976 Gulf Guar Life Ins Co MS L -13.43 0.21 -9.33 0.16 -2.09 0.10 0.11 0.11 0.12 0.12

60244 Kentucky Home Life Ins Co KY L -13.49 16.26 -0.59 -4.23 -37.21 0.10 0.11 0.09 0.09 0.10

62650 Delta Life Ins Co GA L -4.95 -3.97 -1.09 -9.13 -18.05 0.10 0.10 0.10 0.10 0.11

74365 Southern Pioneer Life Ins Co AR L -6.76 -17.99 74.52 -43.85 612,854.00 0.09 0.09 0.10 0.06 0.10

71323 Zale Life Ins Co AZ L -4.09 -8.22 -1.54 4.92 3.50 0.09 0.08 0.09 0.09 0.09

71463 CICA Life Ins Co of Amer CO L -12.37 2.83 -0.38 -11.22 20.17 0.08 0.08 0.08 0.08 0.09

77690 Trans City Life Ins Co AZ L 24.97 -11.77 8.94 -4.48 8.26 0.06 0.05 0.05 0.05 0.05

77054 MAPFRE Life Ins Co of PR PR L -53.32 283.56 179.94 20.47 3.21 0.06 0.12 0.03 0.01 0.01

30325 Zale Ind Co TX P 1.43 -6.71 2.39 0.90 5.89 0.06 0.05 0.05 0.05 0.05




Business Type




2016 20162015 20152014 20142013 20132012 2012

74233 First Natl Life Ins Co Of USA NE L -38.69 -4.05 -2.21 -13.90 -16.20 0.05 0.08 0.08 0.08 0.10

13762 American Natl Lif Ins Co of NY NY L NR NR NR NR NR 0.05 0.00 0.00 0.00 0.00

85677 Life Assur Co Inc OK L -40.26 -22.25 -2.92 -19.00 20.93 0.05 0.07 0.09 0.09 0.11

74470 Great Central Life Ins Co LA L -9.67 1.00 -12.68 1.06 3.77 0.04 0.04 0.04 0.04 0.04

10952 Transamerica Cas Ins Co OH P -11.01 -5.89 -12.37 -15.25 -14.86 0.04 0.04 0.04 0.05 0.05

64211 Guarantee Trust Life Ins Co IL L -63.68 -51.56 -51.31 -52.84 -10.35 0.03 0.09 0.18 0.36 0.77

93650 Versant Life Ins Co MS L -6.13 23.14 51.11 -4.25 -24.45 0.02 0.02 0.02 0.01 0.01

88536 Protective Life & Annuity Ins Co AL L -11.99 -21.17 -28.07 -24.01 -30.80 0.02 0.02 0.03 0.04 0.05

42978 American Security Ins Co DE P -14.08 -15.19 -38.52 NR NR 0.02 0.02 0.02 0.04 0.00

62383 Centurion Life Ins Co IA L -28.13 -25.26 -38.18 -40.46 -33.64 0.02 0.02 0.03 0.05 0.08

81779 Individual Assur Co Life Hlth & Acc OK L -79.20 -69.65 -38.53 -18.56 -2.04 0.02 0.08 0.24 0.39 0.48

86118 Arkansas Bankers Life Ins Co AR L -10.11 -18.65 NR -100.00 -12.90 0.01 0.02 0.02 0.00 0.01

79340 Pavonia Life Ins Co NY NY L -50.22 8.46 -41.36 -49.45 -27.14 0.01 0.03 0.02 0.04 0.08

42986 Standard Guar Ins Co DE P -39.88 -28.25 -21.39 NR NR 0.01 0.02 0.02 0.03 0.00

72087 Multinational Life Ins Co PR L -11.71 -15.51 -16.71 NR NR 0.01 0.01 0.01 0.02 0.00

79715 Cooperativa De Seguros De Vida PR L -67.92 -34.71 -36.82 -67.51 1,119.08 0.01 0.03 0.04 0.06 0.18

11162 Insurance Co of the South GA P NR -100.00 -16.42 -20.58 -10.82 0.01 0.00 0.01 0.01 0.01

60488 American Gen Life Ins Co TX L 102.39 -407.44 14.58 -7.48 NR 0.01 -0.24 0.07 0.06 0.07

75094 Life Ins Co Of LA LA L -36.11 -54.72 -16.60 17.00 45.17 0.00 0.01 0.02 0.02 0.02

60895 American United Life Ins Co IN L -61.57 -40.59 -37.70 4.99 9.34 0.00 0.01 0.02 0.03 0.03

98868 Sheridan Life Ins Co OK L 340.75 -87.12 352.84 -81.72 -44.59 0.00 0.00 0.00 0.00 0.00

92649 American Underwriters Life Ins Co AZ L -8.21 -79.80 NR NR -100.00 0.00 0.00 0.00 0.00 0.00

93815 Pacific Century Life Ins Corp AZ L -16.52 -8.41 -3.27 -7.51 -14.94 0.00 0.00 0.00 0.00 0.00

70106 United States Life Ins Co in the Cit NY L 315.45 46.83 92.24 63.63 53.07 0.00 0.00 0.00 0.00 -0.01

94447 Century Life Ass Co OK L 356.15 90.16 -227.99 -64.03 -67.15 0.00 0.00 0.00 0.00 0.00

19232 Allstate Ins Co IL P NR NR NR NR NR 0.00 0.00 0.00 0.00 0.00

60186 Allstate Life Ins Co IL L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.00

68373 American Gen Assur Co IL L NR NR NR NR -100.00 0.00 0.00 0.00 0.00 0.00

68160 Balboa Life Ins Co CA L NR NR NR NR -100.00 0.00 0.00 0.00 0.00 0.00

10097 Balboa Life Ins Co Of NY NY L NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.00

61212 Baltimore Life Ins Co MD L NR NR NR 100.00 NR 0.00 0.00 0.00 0.00 0.00

81043 Bankers Life Ins Co NC L NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.00

61824 Cherokee Natl Life Ins Co GA L NR NR -100.00 -18.06 -12.39 0.00 0.00 0.00 0.17 0.21

88374 Commonwealth Dealers Life Ins Co VA L NR NR 100.00 -189.33 64.69 0.00 0.00 0.00 0.00 0.00

85090 Dearborn Natl Life Ins Co of NY NY L NR NR 100.00 83.66 -451.35 0.00 0.00 0.00 0.00 0.00

89087 Enterprise Life Ins Co TX L 100.00 99.45 90.14 65.38 49.54 0.00 0.00 0.00 -0.01 -0.03

21075 Financial Amer Prop & Cas Ins Co TX P NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.00

94579 First Assur Life Of Amer LA L NR NR NR -100.00 6.39 0.00 0.00 0.00 0.00 0.37

83992 Foundation Life Ins Co Of AR AR L -100.00 NR -100.00 0.38 -21.20 0.00 0.02 0.00 0.02 0.02

93521 General Fidelity Life Ins Co SC L NR 100.00 97.09 57.48 28.06 0.00 0.00 0.00 0.00 0.00




Business Type




2016 20162015 20152014 20142013 20132012 2012

75612 Gulf States Life Ins Co LA L 100.00 98.49 92.60 -112.66 -0.38 0.00 0.00 0.00 0.00 0.03

65676 Lincoln Natl Life Ins Co IN L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.00

61018 Magna Ins Co MS L NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.00

97055 Mega Life & Hlth Ins Co The OK L NR NR NR 100.00 -43.82 0.00 0.00 0.00 0.00 0.00

65978 Metropolitan Life Ins Co NY L NR NR NR -100.00 -49.06 0.00 0.00 0.00 0.00 0.00

66087 Mid West Natl Life Ins Co Of TN TX L 100.00 NR 100.00 -53.19 95.38 0.00 0.00 0.00 0.00 0.00

68349 North Amer Ins Co WI L NR 100.00 14.39 -12,413.82 -107.57 0.00 0.00 0.00 0.00 0.00

67261 Old Republic Life Ins Co IL L NR 100.00 -2,426.32 99.61 -16.09 0.00 0.00 0.00 0.00 0.00

88080 Omaha Hlth Ins Co NE L NR NR 100.00 -499.73 69.49 0.00 0.00 0.00 0.00 0.00

76112 Oxford Life Ins Co AZ L NR 100.00 57.26 NR 100.00 0.00 0.00 0.00 0.00 0.00

71099 Parker Centennial Assur Co WI L NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.00

68241 Prudential Ins Co Of Amer NJ L NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.00

61506 Resource Life Ins Co IL L 100.00 6.33 2.97 59.67 79.46 0.00 0.00 0.00 0.00 -0.01

99465 Servco Life Ins Co TX L 100.00 96.60 62.12 65.35 63.34 0.00 0.00 0.00 -0.01 -0.02

65757 Shelter Life Ins Co MO L 100.00 81.81 15.34 -136.18 -37.12 0.00 0.00 0.00 0.00 0.00

89958 Shelterpoint Ins Co FL L NR NR 100.00 81.70 46.10 0.00 0.00 0.00 0.00 -0.01

65021 Stonebridge Life Ins Co VT L NR -100.00 -20.74 -69.03 -16.41 0.00 0.00 0.05 0.07 0.22

69477 Time Ins Co WI L -100.00 46.91 -50.60 -15.16 -9.74 0.00 0.00 0.00 0.00 0.00

69523 Trans Oceanic Life Ins Co PR L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.00

61158 TRIPLE S BLUE PR L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.00

41211 Triton Ins Co TX P -100.00 -63.48 -27.94 6.44 -6.88 0.00 0.01 0.04 0.05 0.05

62596 Union Fidelity Life Ins Co KS L NR 100.00 70.84 99.06 -242.76 0.00 0.00 0.00 0.00 0.00

69973 United Life Ins Co IA L NR NR NR 100.00 46.28 0.00 0.00 0.00 0.00 0.00

70173 Universal Underwriters Life Ins Co KS L NR 100.00 63.38 86.60 69.89 0.00 0.00 0.00 0.00 -0.01

72613 USAA Direct Life Ins Co NE L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.00

69663 USAA Life Ins Co TX L NR NR 100.00 NR NR 0.00 0.00 0.00 0.00 0.00

79049 Alfa Life Ins Corp AL L 95.13 90.30 92.73 -5,039.54 -98.64 0.00 0.00 0.00 0.00 0.00

77151 Service Life & Cas Ins Co TX L 99.05 96.29 29.55 70.86 58.90 0.00 0.00 -0.01 -0.02 -0.06

70435 The Savings Bank Life Ins Co Of MA MA L 72.32 82.60 -124.89 12.59 51.46 0.00 0.00 0.00 0.00 0.00

87645 United Fidelity Life Ins Co TX L NR 100.00 72.08 -269.09 -78.30 0.00 0.00 0.00 0.00 0.00

68632 Vantis Life Ins Co CT L -166.36 94.91 -8,308.00 -100.64 408.76 0.00 0.00 0.00 0.00 0.00

65560 Life Protection Ins Co TX L 89.77 -133.63 -80.11 23.83 40.32 0.00 0.00 0.01 0.05 0.04

61409 National Benefit Life Ins Co NY L -152.19 16.73 106.88 -134.53 -52.67 0.00 0.00 0.00 -0.04 0.12

60534 American Heritage Life Ins Co FL L 78.99 71.30 54.81 -224.37 -91.41 0.00 -0.01 -0.03 -0.08 0.06

92274 Landcar Life Ins Co UT L 69.40 62.55 -125.30 -67.37 54.35 0.00 -0.01 -0.02 0.08 0.26

60041 UNIVERSAL LIFE INS CO PR L 65.31 -172.21 -54.78 23.20 NR -0.02 -0.07 0.09 0.19 0.16

71455 Financial Amer Life Ins Co KS L 60.44 57.66 -139.32 -55.59 7.17 -0.03 -0.08 -0.17 0.44 1.00

25178 State Farm Mut Auto Ins Co IL P -538.76 -94.73 -10.94 22.82 14.93 -0.38 0.08 1.45 1.62 1.33

COMPANIES IN REPORT - COUNTRYWIDE118 -7.63 -3.78 -0.85 0.83 1.70 100.00100.00100.00100.00100.00








CREDIT A&HBY STATE2016 CREDIT EXPERIENCE REPORT

Net Written Premiums - By State



Alabama 27 30 30 31 19,898,686 19,544,121 19,344,542 18,345,44919,445,25526

Alaska 14 17 19 19 661,171 911,013 1,020,730 1,436,968462,76514

American Samoa 1 1 0 -4 0 -10

Arizona 21 28 31 33 3,886,461 4,483,006 4,245,950 3,982,5383,072,70821

Arkansas 26 25 28 32 2,858,623 3,499,193 3,865,370 4,402,0862,307,36021

California 14 17 20 19 11,624,063 13,027,035 15,007,475 16,561,76310,740,24215

Colorado 28 30 29 31 4,799,307 4,994,107 5,269,843 5,418,8034,023,56226

Connecticut 20 21 21 22 5,303,185 5,054,117 4,735,154 4,799,1455,269,02719

Delaware 19 20 24 26 1,415,011 1,603,091 1,749,780 2,013,0451,071,63919

District Of Columbia 11 11 11 13 2,018,300 2,022,151 1,941,836 2,101,0511,797,32211

Florida 23 27 29 30 39,210,815 39,076,130 37,642,314 36,707,71540,403,75823

Georgia 29 30 34 35 62,543,864 62,039,790 60,797,150 57,953,78351,498,13728

Guam 6 6 6 7 313,004 343,811 223,869 181,946244,1795

Hawaii 13 15 18 18 7,906,271 7,795,038 7,704,491 7,522,3097,511,63113

Idaho 23 24 23 26 6,914,055 6,474,178 6,020,375 5,892,5357,114,30322

Illinois 29 33 34 37 35,029,811 38,560,283 38,314,992 37,424,70531,317,17527

Indiana 29 33 34 33 15,851,019 16,438,219 16,060,644 16,055,55314,296,52427

Iowa 24 27 28 30 13,497,957 13,960,100 15,200,131 16,777,06212,397,41424

Kansas 28 32 32 34 12,900,042 12,514,632 12,055,457 12,025,51012,571,02027

Kentucky 20 23 25 27 24,777,893 24,694,863 24,544,165 23,343,71723,765,50318

Louisiana 28 34 34 37 34,634,234 35,326,787 34,957,703 36,314,02132,631,92827

Maine 18 18 18 18 5,309,419 5,571,580 5,554,040 5,659,6674,972,67218

Maryland 24 23 25 28 10,494,918 11,251,373 11,771,202 11,738,6359,120,78722

Massachusetts 17 20 22 23 4,188,858 4,453,391 4,835,344 5,790,0853,815,71816

Michigan 27 31 30 32 33,983,123 32,314,878 31,182,034 29,170,81333,875,40527

Minnesota 19 22 24 26 8,867,658 9,737,351 10,030,298 9,973,9808,376,57320

Mississippi 27 29 31 34 23,871,397 24,827,003 24,291,001 23,381,58023,342,79824

Missouri 35 37 39 39 14,227,746 15,657,363 15,226,940 16,149,53011,179,97733

Montana 19 20 20 25 2,465,674 2,590,739 3,340,305 3,914,4912,035,76917

Nebraska 22 25 26 28 5,579,655 6,090,845 6,747,228 7,179,2354,128,09522

Nevada 17 19 21 24 1,244,146 1,409,669 1,464,638 1,431,0801,218,95916

New Hampshire 17 18 21 23 10,801,080 12,589,209 10,949,405 12,284,28410,773,23316

New Jersey 18 19 19 22 7,498,259 7,520,691 9,557,178 9,573,7286,306,66419

New Mexico 27 31 33 33 8,021,256 8,363,633 8,475,857 7,792,4237,094,48227

New York 14 14 16 16 43,958,374 45,529,709 45,635,744 46,025,23349,141,21515

North Carolina 24 26 30 31 42,138,572 42,328,399 40,494,832 37,517,11538,381,13024

North Dakota 19 19 22 26 4,891,781 5,290,546 5,177,639 5,338,4794,149,48717

Northern Mariana Islands 2 3 3 3 74,795 79,041 55,271 35,047121,0452

Ohio 29 31 35 37 26,320,821 27,204,591 27,530,813 27,476,39824,687,20129






Oklahoma 25 29 32 35 6,756,450 8,484,918 9,055,514 9,656,2345,195,25625

Oregon 23 26 27 26 5,837,731 6,980,325 7,320,019 8,058,3915,220,55122

Pennsylvania 25 26 28 27 30,523,416 36,168,736 39,145,120 42,545,33726,246,85126

Puerto Rico 7 8 8 7 6,136,973 6,731,778 8,749,568 10,022,0305,629,5467

Rhode Island 11 16 15 18 688,723 679,765 1,075,590 1,164,699652,73912

South Carolina 21 26 29 30 23,803,240 28,474,576 28,228,238 26,147,36422,374,12222

South Dakota 20 22 22 25 4,861,686 4,834,288 5,249,741 5,417,5284,410,43220

Tennessee 29 33 32 35 25,022,078 25,653,688 26,381,240 27,626,09424,586,09128

Texas 32 39 42 41 125,540,666 129,273,981 128,695,729 120,976,538111,355,60331

US Virgin Islands 5 6 6 6 359,149 418,761 482,009 453,345335,4425

Utah 23 22 24 26 9,850,797 8,309,552 8,218,215 8,342,46010,287,72525

Vermont 15 16 15 16 1,389,825 1,600,837 1,620,773 1,780,9451,219,90714

Virginia 25 26 29 31 23,966,787 23,415,354 23,713,420 20,691,72419,989,76225

Washington 21 25 26 27 5,895,162 6,558,699 7,002,292 6,656,5414,862,88222

West Virginia 23 24 27 25 4,622,207 5,068,344 5,805,837 5,859,4023,916,91523

Wisconsin 26 29 34 35 14,691,059 15,402,985 16,679,009 17,471,40914,132,50227

Wyoming 16 18 21 22 1,184,804 1,352,825 1,697,171 2,231,4371,059,68315

851,112,056 884,581,084 892,141,224 884,792,984 Total 786,138,6711,126 1,154 1,280 1,362 1,441







-2.28 1.81 1.03 5.45 1.53 2.47 2.34 2.21 2.17 2.07Alabama

-30.01 -27.42 -10.75 -28.97 -20.31 0.06 0.08 0.10 0.11 0.16Alaska

NR 100.00 NR 100.00 -100.45 0.00 0.00 0.00 0.00 0.00American Samoa

-20.94 -13.31 5.58 6.61 -12.11 0.39 0.46 0.51 0.48 0.45Arizona

-19.28 -18.31 -9.47 -12.19 9.98 0.29 0.34 0.40 0.43 0.50Arkansas

-7.60 -10.77 -13.20 -9.38 -8.27 1.37 1.37 1.47 1.68 1.87California

-16.16 -3.90 -5.23 -2.75 2.37 0.51 0.56 0.56 0.59 0.61Colorado

-0.64 4.93 6.74 -1.33 -1.15 0.67 0.62 0.57 0.53 0.54Connecticut

-24.27 -11.73 -8.38 -13.08 -10.76 0.14 0.17 0.18 0.20 0.23Delaware

-10.95 -0.19 4.14 -7.58 -5.20 0.23 0.24 0.23 0.22 0.24District Of Columbia

3.04 0.34 3.81 2.55 -5.62 5.14 4.61 4.42 4.22 4.15Florida

-17.66 0.81 2.04 4.91 3.45 6.55 7.35 7.01 6.81 6.55Georgia

-21.99 -8.96 53.58 23.04 157.23 0.03 0.04 0.04 0.03 0.02Guam

-4.99 1.43 1.18 2.42 -6.72 0.96 0.93 0.88 0.86 0.85Hawaii

2.90 6.79 7.54 2.17 6.32 0.90 0.81 0.73 0.67 0.67Idaho

-10.60 -9.16 0.64 2.38 4.60 3.98 4.12 4.36 4.29 4.23Illinois

-9.81 -3.57 2.35 0.03 1.56 1.82 1.86 1.86 1.80 1.81Indiana

-8.15 -3.31 -8.16 -9.40 -5.02 1.58 1.59 1.58 1.70 1.90Iowa

-2.55 3.08 3.81 0.25 2.46 1.60 1.52 1.41 1.35 1.36Kansas

-4.09 0.34 0.61 5.14 5.21 3.02 2.91 2.79 2.75 2.64Kentucky

-5.78 -1.96 1.06 -3.73 5.00 4.15 4.07 3.99 3.92 4.10Louisiana

-6.34 -4.71 0.32 -1.87 -5.23 0.63 0.62 0.63 0.62 0.64Maine

-13.09 -6.72 -4.42 0.28 2.73 1.16 1.23 1.27 1.32 1.33Maryland

-8.91 -5.94 -7.90 -16.49 -8.28 0.49 0.49 0.50 0.54 0.65Massachusetts

-0.32 5.16 3.63 6.89 10.58 4.31 3.99 3.65 3.50 3.30Michigan

-5.54 -8.93 -2.92 0.56 -0.95 1.07 1.04 1.10 1.12 1.13Minnesota

-2.21 -3.85 2.21 3.89 4.96 2.97 2.80 2.81 2.72 2.64Mississippi

-21.42 -9.13 2.83 -5.71 6.96 1.42 1.67 1.77 1.71 1.83Missouri

-17.44 -4.83 -22.44 -14.67 -12.00 0.26 0.29 0.29 0.37 0.44Montana

-26.02 -8.39 -9.73 -6.02 -9.97 0.53 0.66 0.69 0.76 0.81Nebraska

-2.02 -11.74 -3.75 2.34 2.70 0.16 0.15 0.16 0.16 0.16Nevada

-0.26 -14.20 14.98 -10.87 22.59 1.37 1.27 1.42 1.23 1.39New Hampshire

-15.89 -0.30 -21.31 -0.17 -5.40 0.80 0.88 0.85 1.07 1.08New Jersey

-11.55 -4.09 -1.32 8.77 4.04 0.90 0.94 0.95 0.95 0.88New Mexico

11.79 -3.45 -0.23 -0.85 -1.19 6.25 5.16 5.15 5.12 5.20New York

-8.92 -0.45 4.53 7.94 -3.84 4.88 4.95 4.79 4.54 4.24North Carolina

-15.17 -7.54 2.18 -3.01 15.75 0.53 0.57 0.60 0.58 0.60North Dakota

61.84 -5.37 43.01 57.71 100.56 0.02 0.01 0.01 0.01 0.00Northern Mariana Islands

-6.21 -3.25 -1.18 0.20 10.27 3.14 3.09 3.08 3.09 3.11Ohio







-23.11 -20.37 -6.30 -6.22 -0.82 0.66 0.79 0.96 1.02 1.09Oklahoma

-10.57 -16.37 -4.64 -9.16 -4.74 0.66 0.69 0.79 0.82 0.91Oregon

-14.01 -15.61 -7.60 -7.99 -9.18 3.34 3.59 4.09 4.39 4.81Pennsylvania

-8.27 -8.84 -23.06 -12.70 59.47 0.72 0.72 0.76 0.98 1.13Puerto Rico

-5.22 1.32 -36.80 -7.65 7.68 0.08 0.08 0.08 0.12 0.13Rhode Island

-6.00 -16.41 0.87 7.96 -6.01 2.85 2.80 3.22 3.16 2.96South Carolina

-9.28 0.57 -7.91 -3.10 2.86 0.56 0.57 0.55 0.59 0.61South Dakota

-1.74 -2.46 -2.76 -4.51 0.03 3.13 2.94 2.90 2.96 3.12Tennessee

-11.30 -2.89 0.45 6.38 8.77 14.16 14.75 14.61 14.43 13.67Texas

-6.60 -14.24 -13.12 6.32 -41.48 0.04 0.04 0.05 0.05 0.05US Virgin Islands

4.44 18.55 1.11 -1.49 -7.59 1.31 1.16 0.94 0.92 0.94Utah

-12.23 -13.18 -1.23 -8.99 0.92 0.16 0.16 0.18 0.18 0.20Vermont

-16.59 2.36 -1.26 14.60 5.17 2.54 2.82 2.65 2.66 2.34Virginia

-17.51 -10.12 -6.33 5.19 -1.73 0.62 0.69 0.74 0.78 0.75Washington

-15.26 -8.80 -12.70 -0.91 3.83 0.50 0.54 0.57 0.65 0.66West Virginia

-3.80 -4.62 -7.65 -4.54 -3.95 1.80 1.73 1.74 1.87 1.97Wisconsin

-10.56 -12.42 -20.29 -23.94 -2.51 0.13 0.14 0.15 0.19 0.25Wyoming

Total -7.63 -3.78 -0.85 0.83 1.70 100.00 100.00 100.00 100.00 100.00


TABLE 1- CREDIT INSURANCE REGULATORY PROVISIONS



Table 1

CREDIT INSURANCE REGULATORY PROVISIONS

As of June 2017

Minimum Prima Facie Prima Facie Limits on STATE Loss Ratio Std. Life Rates (a) A&H Rates (b) Compensation

Alabama ---- $1.23 per $1000 monthly outstanding balance (n) (Banking Department regulation 155-2-2-.12)

$1.30, $2.20, $1.90, $2.70, $3.50 (Banking Department regulation 155-2-2-.12)

----

Alaska N/A

$.38 (e) $.927 – $1.215 (e) Commission: 26% – 34% of prima facie for disability, 30% of prima facie for life

Arizona 50% life; 60% A&H $.30 $.83 – $1.72 (c) (by class of lender)

----

Arkansas 50% $.65 $1.48 - $2.79 40% + general agent override

California 54.24% – 54.71% life (varies by type of business, by class and whether single or joint life); 54.91% – 74.58% A&H (varies by class and whether single or joint coverage)

$.51 – $.61 (by class of lender) per $1000 monthly outstanding balance (n)

$.77 – $4.34 (by class of lender) (c)

35% prima facie, life; 30% prima facie, health (by statute) 27.5% creditor + 7.5% general agent, life; 23.75% creditor + 6.25% general agent, A&H

Colorado Ratio of incurred losses to earned premiums not less than 40% (v)

$.44 per $100 per year Single Premium Life Gross decreasing term coverage

$.95 – $1.77 per $100 of initial insurance (c)

----

Connecticut ---- $.50 $1.14 – $2.49 (c) ----

Delaware 50% $.65 $.80 – $3.00 ----

Dist. of Col. ---- ---- ---- ----


Table 1


As of June 2017


Florida 55% life; 50% A&H Single Life per $1000 MOB: $.69 Joint Life per $1000 MOB: $1.21 Single Life Decr Term Single Premium: $.44 per $100 per year; Accelerated Death Benefit Coverage $.03 per $100 per year Joint Life Decr Term Single Premium: $.77 per $100 per year; Accelerate Death Benefit Coverage $.06 per $100 per year Single Life level Term Single Premium: $.82 per $100 per year; Accelerated Death Benefit Coverage $.05 per $100 per year Joint Life Level Term Single Premium: $1.43 per $100 year; Accelerated Death Benefit Coverage $.08 per $100 per year

$.72 – $1.76 (for loan duration of 7-12 months)

____

Georgia 60% $.45 $.80 – $2.20 (c) ----

Hawaii 60% (by statute) $.40 $.79 – $1.76 ----

Idaho 50% $.54 $.80 – $3.00 ----

Illinois 50% A&H only $.47 $1.15 – $3.00 ----

Indiana 55% life; 55% A&H $.65/$1,000 (monthly outstanding balance)

$.90 – $1.76 (r) 40% of the net written prima facie premium of which not more than 33% of net written prima facie premium may be paid to a creditor.

Iowa 50% $.45 $.66 - $1.81 (c) ----


Table 1


As of June 2017


Kansas 50% life; 50% A&H Decreasing term life: $.65 per hundred per annum; joint life: not to exceed one and two-thirds of the appropriate single life rate; level term life: $1.20 per hundred per annum; monthly outstanding balance: $1.00 per month per $1,000 of insurance.

Regulation: 40-5-107 ----

Kentucky ---- (i) Gross decreasing term: $.60 ($.65 with dismemberment). (ii) Level term: $1.20 ($1.30 with dismemberment). (iii) MOB: $.92 per $1,000 ($1.00 with dismemberment). (iv) Joint life: 150% of the single life rates above.

$.91 – $2.69 (c) (KRS 304.19-080 (4)(a)) Joint life: 150% of the single life rates above.

----

Louisiana ---- (a) Single life declining balance: $.80 per $100 coverage per annum. (b) Single life level balance: $1.60 per $100 coverage per annum. (c) Joint life declining balance: $1.20 per $100 coverage per annum. (d) Joint life level balance: $2.40 per $100 coverage per annum.

From $.85 to $10.00 per $100 of coverage depending on the coverage period and waiting period.

Not to exceed the prima facie rate + $10.00

Maine 63% – 75% life; 50 – 80% A&H $.50/$1,000 (monthly outstanding balance); must decrease rate by 10% if health questions are asked of individuals.

$1.46 – $2.11 (m) Service fee to lenders is limited to 10% of prima facie rate. If creditor is a licensed agent, an additional 5% of prima facie rate may be charged as commission.


Table 1


As of June 2017


Maryland 55% Gross: $.43 MOB: $.66 (n) is used to calculate the single premium for net payoff coverage

$.57 – $2.13 Maximum 32% creditor Total maximum 36%

Massachusetts 50% life; 55% A&H $.69 (per $1,000 monthly outstanding balance by statute) for single life insurance and $1.10 for joint life insurance (p)

$.70 (per $100 monthly outstanding balance by statute), per annum for each of the first four years of the term of coverage; $.50 per annum for each of the next three years of the term of coverage; and $.25 per annum for each year of coverage thereafter (p)

----

Michigan 60% (f) $.48 $1.30 – $2.45 (c) ----

Minnesota 50% $.40 (t) $.89 – $1.88 (g) (t) ----

Mississippi N/A; Mississippi has no minimum loss ratio as long as the rates set by the Legislature are charged.

$.80 for single life decreasing term $1.60 for single life level term $1.39 for joint life decreasing term $2.80 for joint life level term Statute: 83-53-23

Statute: 83-53-23(3) 45%

Missouri 35% (by statute) $.55 $.80 – $3.00 (w) 40% producer 10% general agent

Montana 38.5% life; 55% disability $.80 ($1.40 for joint life) per $1000 monthly outstanding balance (n)

$.41 - $6.18 per $100 of initial indebtedness (includes 7-day retroactive and 7-day non-retroactive)

37.5% of the net written prima facie premium, with no more than 7.5% apportioned to the producing general agent

Nebraska 45% - 50% $.69 ($1.15 for joint life) per $1000 monthly outstanding balance $.50 ($0.84 for joint life) per year per $100 indebtedness Single Premium Decreasing Term. $.92 ($1.54 for joint life) per year per $100 original indebtedness Level Term Life.

$0.56 – $1.51 (y)

Maximum 30% creditor


Table 1


As of June 2017


Nevada ---- $.72 (per $1,000 monthly outstanding balance (n) + $.08 for dismemberment)

$.55 – $2.06 ----

New Hampshire 50% life; 60% health $.360 – $.480 (by class of lender) $1.515 – $1.987 (by ----

New Jersey 65% $.40 $1.27 – $1.90 (h) No limit on compensation

New Mexico 55% $.39 $.80 – $ 1.25 (c) ----

New York Vendor (i) (auto dealer, motorcycle dealer, etc.) 65% – 71% life; 62% – 69% A&H Other policyholders are experienced rated using a component approach

$.56 – $.72 per month per $1,000 (n) $1.17 – $2.21 (c) (o)

North Carolina ---- $.50 (by statute) effective Jan. 1, 1997 $.95 – $2.60 ----

North Dakota 45% $.62 (per $1,000 monthly outstanding balance)(n)

$.94 – $1.88 (c) ----

Ohio 50% life; 60% health $.44 $.83 – $1.57 (c) (j)

Oklahoma ---- $.68 $.80 – $3.00 40% creditor; 10% general agent

Oregon 60% MOB: $0.59 – $0.65; SP decreasing: $0.38 – $0.42 if <64 mos. And $0.59 - $0.65 times (mos.+1)/20; SP level: $0.68 – $0.76 (see OAR 836-060-0026).

For decreasing coverage, SP or MOB: see Tables 1–2 in OAR; for open-end account: $1.26 – $1.89 (see OAR 836-060-0031).

----

Pennsylvania 55% life; 60% – 65% A&H $.45 $1.67 – $2.43 (c) 27% + 3% general agent, life; 21% + 4% general agent, A&H

Puerto Rico ---- $.65 (per $100 initial indebtedness) None Service fee to lenders is limited to twenty percent (20%) of the corresponding premium

Rhode Island 60% $.66 (single) and $1.05 (joint) (per $1,000 monthly outstanding balance) Single premium calculated by formula based on monthly rates (u)

$.90 – $3.05 (u) 25% creditor; 30% total (u)


Table 1


As of June 2017


South Carolina Non-life 50% (by statute under Consumer Finance Act & Consumer Protection Code)

$.55 $1.44 – $1.53 (k) ----

South Dakota 50% $.60 $.72 – $1.98 (c) 40%

Tennessee 50% A&H $.66 (by statute) $1.48 – $2.79 40% (by statute)

Texas Life (s): Class E: 43% All other classes: 48% A&H (s): Class E: 44% – 46% (varies by plan of benefits) All other classes: 46% – 51% (varies by plan of benefits)

Class E: $.241 (s) All other classes: $.316

Class E: $.993 – $1.70 (s) All other classes: $1.32 – $2.26

(q)

Utah 50% life; 55% A&H $.4225 $1.41 – $1.88 (x) ----

Vermont 60% life; 70% A&H $.55 $.96 – $2.01 (c) ----

Virginia 60% $.6456 (l) $1.14 – $2.40 (l) ----

Washington 60% $.60 (per $1000 monthly outstanding balance)(n)

$.86 – $1.85 25% to creditor; 30% total

West Virginia 50% $.65 $1.30 – $1.90 (c) Six-month preexisting conditions clause: $1.45 – $2.15.

----

Wisconsin 44% life; 52-60% varies by plan A&H

$.41 $.70 – $1.52 (c) ----

Wyoming ---- $.50 $.80 – $3.00 30% + 7.5% general agent


Table 1


As of June 2017

NOTES FOR

CREDIT INSURANCE REGULATORY PROVISIONS (a) Single Premium rate per $100 indebtedness for single life coverage on a loan repayable in substantially equal payments over a period of twelve months. (b) Range of rates given represents the single premium prima facie rates for the following types of coverage: 30-day non-retroactive, 30-day retroactive, 14-day non-retroactive, 14-day

retroactive, and seven-day retroactive elimination periods, for loan duration period of 12 months. (c) No seven-day retroactive elimination period available. (d) Fourteen-day non-retroactive and 30-day non-retroactive not available. (e) These rates are for underwritten business only. Rates for business that is not underwritten are the above rates divided by .9. (f) Michigan does not have minimum loss ratios. However, in order for a company to file a deviation, a company must have a loss ratio in excess of 60%. (g) Rates do not reflect 7-day elimination period. This type of policy is available, but rates are not explicit. Acceptable rates would be actuarial equivalent of those for other types of policies. (h) Rates represent 14-day non-retroactive and retroactive only and include policies that either include or exclude preexisting conditions.. (i) The loss ratio varies by carrier. If the rate charged by the carrier is relatively high, then a higher minimum loss ratio applies. If the loss ratio is relatively low, then a lower minimum loss

ratio applies. (j) None, but a group administrative services contract, which pays the policyholder in excess of 10% of the net premiums written, is presumed to be excessive and an unlawful inducement to

insurance. (k) Rates represent 30-day and 14-day retroactive policies only. Rates shown are for policies with a 12-month period; rates for higher periods are higher. (l) Commission is required to publish prima facie rates reasonably expected to produce a 60% loss ratio each triennium. The current triennial began Jan. 1, 2016. (Refer to Chapter 37.1 of Title

38.2 of the Code of Virginia for specific information regarding requirements applicable to credit life and credit accident and health insurance in Virginia.) The next triennial will begin Jan. 1, 2019.

(m) Maine does not have seven-day or 14-day retroactive or non-retroactive available. (n) Single premium rates calculated by formula based on MOB. (o) New York State Department of Financial Services comments: “Service fees may be paid to the creditors for service actually performed. These are required to be filed with the department.

The fees are generally expressed as a percentage of the prima facie rates. Because New York requires experience rating, this means that low rates have a higher service percentage while high rates have a low one. This results in the creditor receiving roughly the same up-front compensation regardless of the rate level. Commissions may not be paid to the creditor, regardless of whether or not they are a licensed insurance agent. They may be paid to any other licensed insurance agent (not affiliated with the creditor) for the solicitation of the group policy. For both of these, it is required that the rates remain self-supporting. At our loss ratio levels, this is a significant restriction.”

(p) The commissioner is required to set the rates for the auto dealer class of business every three years based on inter-company Massachusetts experience. For the period Jan. 1, 2008, through Dec. 31, 2010, the auto dealer rates are: life: $.46 per $1,000 per month for single life insurance and $.74 per $1,000 per month for joint life insurance. A&H: single premium rates for each $100 of initial insured indebtedness are $.49 per annum for each of the first four years of the term of coverage, $.35 per annum for each of the next three years of the term of coverage, and $.18 per annum for each year of coverage thereafter.

Rates and rate deviations for non-auto dealer classes of business are determined based on company experience and are subject to disapproval by the commissioner. (q) Section 1153.103(e), Texas Insurance Code: In determining the presumptive premium rate, the commissioner may not set or limit the amount of compensation actually paid by a company to

an agent but may request from an insurer or agent any relevant data relating to the presumptive premium rate, including information relating to compensation paid for the sale of credit insurance, expenses, losses, and profits. An insurer or agent shall provide the requested information to the commissioner in a timely manner. Section 1153.105 permits an insurer electing to deviate from the presumptive rate to file with the commissioner, for informational purposes, rates that are within +/–30% of the presumptive rates. Rates that deviate by more than +/– 30% of the presumptive rates must be filed with the commissioner for approval.

(r) Range of rates given represents the single premium prima facie rates for the following types of coverage: 30-day non-retroactive, 30-day retroactive, 14-day non-retroactive, 14-day retroactive, for a loan duration period of 12 months.


Table 1


As of June 2017

(s) Class of Business E consists of dealers, including auto and truck, other dealers, and retail stores. (t) Minnesota: Effective Jan. 1, 2010, the prima facie rates for credit A&H insurance were reduced 28%, and the standard benefits were enriched for credit life and credit A&H insurance. The

rates will be adjusted effective January 1, 2016 based on statewide experience relative to the 50% minimum loss ratio. (u) Regulation 9 was adopted in Rhode Island, making the rates final. (v) Colorado requires that credit insurance not directly written by a state or national bank MUST use the component-based rates and CANNOT use the 40% loss ratio standard. The only

exception is if the plan offers benefits and differs materially from those provided in the component-based rates; then 40% loss ratio standard must be used. For credit insurance directly written by a state or national bank, the insurer has the option of either using the component-based rates or developing their own rates based on the 40% loss ratio standard.

(w) The range listed is for 12 months of indebtedness and reflects rates for retro and non-retro benefits. Missouri has a broader range of prima facie rates, with varying periods of indebtedness (range from one month to 120 months).

(x) Range of rates given represents single premium prima facie rates for: 30 day non-retroactive; 30 day retroactive; 14 day non-retroactive; 14 day retroactive and 7 day retroactive elimination periods for a loan duration period of 12 months.

(y) The range listed is for 12 months of indebtedness and reflects rates for retro and non-retro benefits. Nebraska has a broader range of prima facie rates, with varying periods of indebtedness (range from one month to 180 months).


Documents

Credit Life Insurance and Credit Accident & Health Insurance … · 2018. 9. 4. · Credit Life Insurance and Credit Accident & Health Insurance Experience 2012 – 2016 . 2017