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Credit Life Insurance and Credit Accident & Health

Insurance Experience 2014 – 2018

2019

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Credit Life Insurance and Credit Accident & Health Insurance Experience 2014–2018

TABLE OF CONTENTS

Introduction ......................................................................................................................................1 Report Format ..................................................................................................................................1 Qualifications ...................................................................................................................................3 Credit Life Insurance and Credit Accident & Health Insurance Experience – 2009–2018........................................................................................................................................4 Credit Life Insurance Experience Trends 2009–2018 .....................................................................5 Credit Life Insurance Experience Loss Ratios 2009–2018 ..............................................................6 Credit Accident & Health Insurance Experience Trends 2009–2018 ..............................................7 Credit Accident & Health Insurance Experience Loss Ratios 2009–2018 ......................................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 ..................................................81 Credit Accident & Health Net Written Premiums Countrywide By Company .............................87 Credit Accident & Health Net Written Premiums By State Summary ..........................................95 Table 1 – Credit Insurance Regulatory Provisions ......................................................................101 Notes for Credit Insurance Regulatory Provisions ......................................................................110

© 2019 National Association of Insurance Commissioners

© 2019 National Association of Insurance Commissioners

INTRODUCTION

The Credit Life Insurance and Credit Accident & Health Insurance Experience Report for the years 2014–2018 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 124 companies listed in the Credit Life Reports, down from 129 companies last year. The number of companies reported in the Credit Accident & Health Reports this year decreased to 110 companies, from 118 companies last year. All companies reporting data in 2018, 2017, 2016, 2015, and 2014 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

© 2019 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 (2018, 2017, 2016, 2015, and 2014)

• Actual Calendar Year Loss Ratios (2018, 2017, 2016, 2015, and 2014)

• Calendar Year Loss Ratios at Prima Facie Rates (2018, 2017, 2016, 2015, and 2014)

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

(2018, 2017, 2016, 2015, and 2014) (By State Report Only)

• Direct Earned Premiums (2018, 2017, 2016, 2015, and 2014)

• Earned Premium at Prima Facie Rates (2018, 2017, 2016, 2015, and 2014)

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

(2018, 2017, 2016, 2015, and 2014) (By State Report Only)

• Net Written Premiums (2018, 2017, 2016, 2015, and 2014)

• Net Written Premiums Annual Percentage Change (2018, 2017, 2016, 2015, and 2014)

• Percent of Total Net Written Premiums—Market Share (2018, 2017, 2016, 2015, and 2014)


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.


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Credit Life Insurance and Credit Accident & Health Insurance Experience2009–2018*

(Dollars in 000s)

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

Credit Life2009 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 671,891 704,772 312,016 44.27%2017 627,490 654,925 299,557 45.74%2018 635,552 637,715 291,506 45.71%

2008–2018 Avg. 660,287 721,758 333,610 46.22%

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 786,139 839,012 271,806 32.40%2017 770,357 799,672 253,025 31.64%2018 770,987 764,651 250,390 31.64%

2009–2018 Avg. 852,772 909,401 344,854 37.92%

Credit Accident & Health

Loss Ratio = Direct Losses Incurred ÷ Actual Earned Premium

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


2009 - 2018Credit Life Insurance Experience Trend

805

773

759

756

740

739

731

672

627

636

0

500

1,000

1,500

2,000

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

Mil

lio

ns

Year

Net Written Premiums

1,085 934

853

799

738

727

722

706

655

638

0

500

1,000

1,500

2,000

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

Mil

lio

ns

Year

Actual Earned Premiums

490

445

401

365

352

346

326

312

300

292

0

250

500

750

1,000

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

Mil

lio

ns

Year

Direct Losses Incurred


38

39

40

41

42

43

44

45

46

47

48

49

50

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

45.1

47.647.0

45.7

47.7 47.6

45.2

44.2

45.7 45.7

Per

cen

tag

e

Year

Credit Life Insurance ExperienceLoss Ratios

2009 - 2018


2009 - 2018Credit A & H Insurance Experience Trend

940

878

870

885

892

885

851

786

770

771

0

500

1,000

1,500

2,000

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

Mil

lio

ns

Year

Net Written Premiums

1,209

1,030

941

896

870

878

866

839

800

765

0

500

1,000

1,500

2,000

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

Mil

lio

ns

Year

Actual Earned Premiums

525

466

393

370

320

307

293

272 253 250

0

200

400

600

800

1,000

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

Mil

lio

ns

Year

Direct Losses Incurred


30

33

36

39

42

45

48

51

54

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

43.5

45.2

41.8 41.2

36.7

34.933.8 32.4

31.632.8

Per

cen

tag

e

Year

Credit A&H Insurance ExperienceLoss Ratios

2009 - 2018


CREDIT LIFE

ANNUAL INCURRED CLAIMS

COUNTRYWIDE BY COMPANY (1)



2018 CREDIT EXPERIENCE REPORTAnnual Incurred Claims (Losses)

CREDIT LIFECOUNTRYWIDE

5- yrAggregate Loss Ratio 2018 - 2014

5-yr AggrLoss Ratio

at PrimaFacie Rates2018 - 2014

3- yrAggregate Loss Ratio2018 - 2016

3-yr AggrLoss Ratio

at PrimaFacie Rates2018 - 2016

Annual Incurred Claims (Losses) $

COMPANY NAMECOCODE 2018 2014201520162017

49.01 40.10 47.65 38.2762626 CMFG Life Ins Co 100,075,026 96,632,597 98,411,263 97,888,34192,675,435

54.98 59.08 55.63 59.9360518 American Hlth & Life Ins Co 30,408,976 25,411,088 26,838,325 30,415,74142,578,595

53.59 50.92 53.38 50.8166168 Minnesota Life Ins Co 27,314,555 28,301,577 23,494,069 25,439,31229,600,776

54.55 54.09 57.45 56.8897691 Life Of The South Ins Co 25,121,748 24,420,974 20,854,602 14,765,31628,006,543

60.47 63.32 62.75 66.3965951 Merit Life Ins Co 26,807,738 24,827,337 21,480,127 18,665,17116,472,596

29.49 31.91 29.50 31.7761751 Central States H & L Co Of Omaha 17,002,548 19,062,664 18,834,052 18,932,30315,519,371

29.26 28.98 31.70 31.2760739 American Natl Ins Co 8,710,734 8,414,827 6,264,161 7,216,5299,433,322

33.48 33.84 34.38 34.8597152 Plateau Ins Co 7,161,767 7,302,912 6,205,493 4,687,3317,711,753

51.78 31.61 53.80 33.6379715 Cooperativa De Seguros De Vida 5,523,325 5,553,003 5,392,207 5,017,8125,005,907

26.88 26.88 28.69 28.6973156 Caribbean Amer Life Assur Co 3,202,094 4,057,166 3,615,387 3,507,7394,756,488

59.49 55.50 57.55 52.9093742 Securian Life Ins Co 1,656,613 1,398,743 2,026,111 2,809,4084,360,461

43.68 41.88 41.78 39.3360275 American Bankers Life Assur Co Of FL 5,810,345 7,562,443 14,465,530 18,463,1134,015,543

29.07 29.07 32.08 32.0861298 Bankers Life Of LA 3,597,778 3,718,459 2,855,336 2,542,8533,996,697

46.48 46.48 49.94 49.9498736 American Federated Life Ins Co 4,345,148 3,534,847 3,096,717 2,502,3773,936,016

32.93 32.18 34.78 33.6267628 Pekin Life Ins Co 3,241,893 3,222,211 2,490,820 2,402,8123,148,913

55.12 55.12 57.26 57.2660242 Southern Financial Life Ins Co 2,209,754 2,109,104 1,858,566 1,962,4412,456,191

23.78 26.16 23.34 25.9768136 Protective Life Ins Co 2,414,350 4,128,191 3,824,667 4,432,1942,258,250

30.35 30.73 30.22 30.0399538 SWBC Life Ins Co 1,946,783 1,730,289 440,372 237,8651,644,806

105.11 122.39 78.00 108.5593777 Pavonia Life Ins Co of MI 3,175,912 7,776,277 17,830,942 28,199,5421,300,071

122.71 125.98 98.48 98.1060488 American Gen Life Ins Co 2,122,023 1,500,039 2,382,539 5,172,4981,005,556

22.25 22.25 25.80 25.8070548 Wichita Natl Life Ins Co 907,806 762,689 895,193 739,514985,564

21.27 22.81 19.46 20.7476007 Old United Life Ins Co 1,396,981 1,377,449 1,183,056 1,292,012851,909

41.99 36.16 40.10 33.7486231 Transamerica Life Ins Co 1,454,015 5,220,448 10,755,541 10,729,919851,551

46.34 46.31 44.68 44.7460836 American Republic Ins Co 536,413 1,297,436 1,197,649 1,743,351821,272

28.12 28.13 26.40 26.4264904 Investors Heritage Life Ins Co 1,182,442 915,136 1,326,010 864,540817,313

35.92 28.60 36.27 26.4766281 Transamerica Premier Life Ins Co 1,450,249 2,369,829 3,054,666 3,518,893690,263

23.55 23.55 23.13 23.1380020 Mountain Life Ins Co 568,800 582,050 631,942 536,329670,785

64.92 64.92 70.99 70.9965480 Old Spartan Life Ins Co Inc 641,272 719,486 694,083 732,216642,210

20.81 20.81 21.55 21.5560041 UNIVERSAL LIFE INS CO 661,619 897,509 741,151 1,205,224601,644

24.00 20.07 22.27 18.9877976 Gulf Guar Life Ins Co 513,070 477,006 716,937 752,553561,233

114.61 68.06 114.61 68.0663126 American Nat Life Ins Co of NY 0 0 0 0550,455

25.44 25.44 19.92 19.9277690 Trans City Life Ins Co 280,079 292,353 427,824 652,325390,328

59.75 37.90 72.62 28.7070688 Transamerica Financial Life Ins Co 915,578 2,019,181 2,261,500 2,418,127380,866

14.55 13.95 11.66 12.5277054 MAPFRE Life Ins Co of PR 450,321 526,898 894,601 836,740269,108

83.61 83.53 32.21 33.2970106 United States Life Ins Co in the Cit -180,522 168,672 812,042 520,745259,956

42.01 42.15 38.11 38.1781779 Individual Assur Co Life Hlth & Acc 476,253 1,108,464 1,418,931 2,893,483245,904




5- yr Aggregate Loss Ratio 2018 - 2014

5-yr Aggr Loss Ratio

at Prima Facie Rates 2018 - 2014

3- yr Aggregate Loss Ratio2018 - 2016


at Prima Facie Rates2018 - 2016



32.25 39.67 24.16 29.6385677 Life Assur Co Inc 185,794 570,432 492,037 1,001,027236,735

41.74 42.06 50.05 50.7974233 First Natl Life Ins Co Of USA 330,422 292,011 305,209 201,723218,679

64.17 64.17 73.18 73.1862650 Delta Life Ins Co 183,880 153,705 121,198 150,255167,522

32.33 32.33 30.72 30.7264211 Guarantee Trust Life Ins Co 368,688 577,636 1,238,689 1,311,468160,551

24.88 24.88 24.37 24.3760244 Kentucky Home Life Ins Co 378,001 212,650 293,111 286,205150,001

15.53 15.53 23.70 23.7086118 Arkansas Bankers Life Ins Co 212,189 248,398 28,250 252,824140,185

46.26 50.08 51.90 55.0871455 Financial Amer Life Ins Co 423,277 1,397,659 2,636,934 2,986,052130,600

45.78 44.54 57.57 56.4175094 Life Ins Co Of LA 72,839 76,086 46,490 161,002127,477

34.46 28.53 45.34 34.8088536 Protective Life & Annuity Ins Co 31,634 112,330 58,193 104,723115,459

21.32 21.32 44.80 44.8072087 Multinational Life Ins Co 189,118 319,483 245,294 201,978109,081

18.54 18.54 14.47 14.4783992 Foundation Life Ins Co Of AR 0 0 122,174 0104,546

69.94 75.09 62.18 68.8779340 Pavonia Life Ins Co NY 407,977 753,841 974,364 1,404,14563,583

104.95 104.95 73.76 73.7660246 Netcare Life & Hlth Ins Co 2,520 146,019 47,130 135,94151,640

125.77 130.14 93.27 93.0260895 American United Life Ins Co 19,588 67,934 196,527 402,97651,049

46.83 10.67 46.83 10.6715940 Assurity Life Ins Co of NY 47,980 0 0 039,377

10.13 10.13 -1.52 -1.5274470 Rush Life Ins Co -46,290 -1,010 62,494 80,63438,348

60.41 60.29 74.89 74.8960534 American Heritage Life Ins Co 97,966 405,287 832,868 1,402,36035,510

65.15 65.01 59.24 59.2462383 Centurion Life Ins Co -4,252 114,862 239,915 118,64528,843

27.61 27.61 29.59 29.5973989 Mililani Life Ins Co Ltd 0 0 22,532 31,58621,997

70.38 70.79 198.71 198.7193521 General Fidelity Life Ins Co 234,244 124,464 -121,799 134,29218,496

19.62 NR 22.94 NR92274 Landcar Life Ins Co 11,533 122,741 213,821 124,30316,345

285.08 285.08 1,631.94 1,631.9465757 Shelter Life Ins Co 31,484 32,404 15,773 38,30915,000

8.97 8.97 9.28 9.2871463 CICA Life Ins Co of Amer 61,510 40,136 26,452 42,37910,155

15.04 15.04 75.08 75.0893815 Pacific Century Life Ins Corp 0 0 -15,000 54,1427,525

159.68 122.50 211.72 161.8562553 Country Life Ins Co 2,109 41,507 2,195 15,6162,456

46.83 26.41 6.54 3.6770435 The Savings Bank Mut Life Ins Co of 0 0 6,624 26,6341,722

27.39 18.42 19.61 12.6681477 Union Security Life Ins Co of NY 87,425 113,650 273,227 124,6551,470

NR NR NR NR60054 Aetna Life Ins Co 0 0 500 00

67.23 36.74 0.00 0.0079049 Alfa Life Ins Corp 0 0 14,707 00

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

73.55 71.87 52.10 50.9665811 American Modern Life Ins Co 2,344,000 2,691,796 7,954,663 7,430,2060

44.00 42.64 44.00 42.6413762 American Natl Lif Ins Co of NY 334,429 42,465 0 00

1.91 1.91 8.89 8.8992649 American Underwriters Life Ins Co 0 1,699 0 00

NR NR NR NR68160 Balboa Life Ins Co 0 0 0 00

0.00 0.00 NR NR61212 Baltimore Life Ins Co 0 0 0 00

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












22.94 22.99 -6.34 -6.4294447 Century Life Ass Co 0 -2,330 -726 58,3160

NR NR NR NR61824 Cherokee Natl Life Ins Co 0 0 0 00

-3.70 -3.92 NR NR88374 Commonwealth Dealers Life Ins Co 0 0 0 -20

-4.36 -3.10 -15.32 -10.8685090 Dearborn Natl Life Ins Co of NY 0 -19 -19 -190

31.57 31.57 0.00 0.0062928 EMC Natl Life Co 0 0 0 1,4990

94.68 94.68 0.00 0.0089087 Enterprise Life Ins Co 0 0 0 11,3980

16.37 16.37 -29.15 -29.1571480 Great Western Ins Co 0 -2,000 2,364 3,2740

21.72 21.72 -150.80 -150.8075612 Gulf States Life Ins Co 0 -7,000 3,804 9,2470

7.16 7.16 3.11 3.1171323 Langhorne Reins AZ Ltd 13,926 36,284 107,129 97,9750

NR NR NR NR76503 Lasso Hlthcare Ins Co 0 0 0 27,2370

51.40 64.11 0.00 0.0065560 Life Protection Ins Co 0 0 8,402 56,5210

-1.09 -1.09 -2.38 -2.3899724 LifeShield Natl Ins Co 0 -11 -14 -270

NR NR NR NR65676 Lincoln Natl Life Ins Co 0 0 0 00

NR NR NR NR97055 Mega Life & Hlth Ins Co The 0 0 0 00

NR NR NR NR65978 Metropolitan Life Ins Co 0 0 0 -130,0320

NR NR NR NR68349 North Amer Ins Co 0 0 -97 -1920

-1.27 -1.27 0.00 0.0067261 Old Republic Life Ins Co 0 0 -16 -1570

0.00 0.00 0.00 0.0088080 Omaha Hlth Ins Co 0 0 0 00

-0.11 -0.11 NR NR76112 Oxford Life Ins Co 0 0 0 00

188.97 219.32 NR NR89007 Pavonia Life Ins Co Of DE 0 0 0 250,4560

137.92 99.43 NR NR68195 Provident Life & Accident Ins Co 0 0 0 5,8880

-18,935.23 -18,918.90 -83.33 -83.3368241 Prudential Ins Co Of Amer 0 -5 -218,951 -3140

NR NR NR NR61506 Resource Life Ins Co 0 0 -10,739 24,8510

44.75 44.75 NR NR99465 Servco Life Ins Co 0 0 -406 36,4200

13.08 16.42 -431.06 -544.8677151 Service Life & Cas Ins Co 0 -86,911 -72,484 315,0910

NR NR NR NR89958 Shelterpoint Ins Co 0 0 0 00

15.61 15.61 0.00 0.0098868 Sheridan Life Ins Co 0 0 0 13,4430

30.11 30.11 24.25 24.2574365 Southern Pioneer Life Ins Co 430,083 458,354 583,119 879,7050

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

0.00 0.00 0.00 0.0069108 State Farm Life Ins Co 0 0 0 00

28.76 20.90 NR NR65021 Stonebridge Life Ins Co 0 0 0 179,6360

-24.32 -24.32 -902.94 -902.9469477 Time Ins Co II -1 -306 -45 -2490

-68.85 -68.85 0.00 0.0069523 Trans Oceanic Life Ins Co 0 0 -4,490 1,1860

37.39 32.08 37.39 32.0810952 Transamerica Cas Ins Co 0 3,208,939 0 00

NR NR NR NR61158 TRIPLE S BLUE 0 0 0 00

-12.44 -12.44 NR NR62596 Union Fidelity Life Ins Co 0 0 -70 -7980












124.25 124.25 -10.07 -10.0787645 United Fidelity Life Ins Co 0 -43 -63 3,7850

-523.56 -523.56 NR NR69973 United Life Ins Co 0 0 0 -1,0000

NR NR NR NR70173 Universal Underwriters Life Ins Co 0 0 0 00

29.20 21.05 4.35 3.1462235 Unum Life Ins Co Of Amer 0 358 4,716 00

0.00 0.00 0.00 0.0068632 Vantis Life Ins Co 0 0 0 00

38.67 38.67 44.94 44.9493650 Versant Life Ins Co 0 426,214 130,541 181,2300

0.00 0.00 NR NR92053 Wateree Life Ins 0 0 0 00

408.98 480.12 -14.81 -14.8171099 Parker Centennial Assur Co -3 -19 6,465 -65-2

-18.21 -20.23 -30.89 -35.1969663 USAA Life Ins Co -2 -71 -7 -21-3

150.31 182.29 -489.47 -459.9161409 National Benefit Life Ins Co 7,887 -58,181 248,519 679,714-17

-1.24 -1.24 -1.25 -1.2561492 Athene Annuity & Life Assur Co -12 -12 -14 -45-18

19.15 19.15 -5.68 -5.6866087 Mid West Natl Life Ins Co Of TN -48 -311 -235 5,337-26

8.64 8.64 -2.19 -2.1991448 Southwest Credit Life Inc 7,277 -5,000 14,108 0-2,500

-11.95 -11.99 -11.95 -11.9971390 Puritan Life Ins Co of Amer -1,884 0 0 0-5,000

-39,726.58 -39,726.58 NR NR65838 John Hancock Life Ins Co USA -33,520 -11,630 -16,793 -21,399-10,810

31.02 20.66 13.24 10.9271870 Fidelity Security Life Ins Co 22,105 2,202 35,961 20,684-13,900

345,629,323326,421,096312,016,041299,557,36041.9045.2142.7745.70COMPANIES IN REPORT - COUNTRYWIDE124 291,505,727




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 2018 20182017 20172016 20162015 2015 20142014

46.17 48.85 47.91 50.12 52.25 37.10 39.42 38.29 44.6041.7462626 CMFG Life Ins Co

55.21 61.29 50.67 51.60 56.14 59.56 66.25 54.31 59.9855.2460518 American Hlth & Life Ins Co

52.96 50.96 56.45 49.79 58.44 50.24 48.81 53.55 55.1447.3866168 Minnesota Life Ins Co

59.86 56.85 55.49 52.55 45.02 59.29 56.16 55.04 44.8952.1397691 Life Of The South Ins Co

74.02 62.46 57.25 56.33 57.72 78.60 66.53 60.07 59.3258.1765951 Merit Life Ins Co

30.73 28.64 29.34 28.83 30.13 33.02 30.73 31.76 32.6131.5961751 Central States H & L Co Of Omaha

34.84 30.53 29.88 21.75 29.72 34.19 30.53 29.21 29.3921.8660739 American Natl Ins Co

35.54 32.50 35.17 32.56 30.82 36.19 32.98 35.44 31.0132.7097152 Plateau Ins Co

47.59 56.46 57.90 51.52 46.46 32.80 33.75 34.30 28.4529.3679715 Cooperativa De Seguros De Vida

35.66 22.85 27.92 24.51 24.07 35.66 22.85 27.92 24.0724.5173156 Caribbean Amer Life Assur Co

61.11 55.92 50.17 66.46 60.29 57.10 50.12 45.45 58.8361.7693742 Securian Life Ins Co

58.56 42.72 35.74 47.69 42.69 55.80 39.52 33.89 41.5345.9460275 American Bankers Life Assur Co Of

34.45 30.77 31.06 24.70 23.86 34.45 30.77 31.06 23.8624.7061298 Bankers Life Of LA

48.96 55.36 45.47 43.27 37.63 48.96 55.36 45.47 37.6343.2798736 American Federated Life Ins Co

37.08 33.24 34.29 28.82 30.90 33.32 33.33 34.24 30.8428.6267628 Pekin Life Ins Co

59.37 56.48 55.77 49.41 54.07 59.37 56.48 55.77 54.0749.4160242 Southern Financial Life Ins Co

21.60 19.21 28.12 23.36 25.11 24.26 21.47 30.97 27.1525.5168136 Protective Life Ins Co

25.43 32.04 34.15 33.53 28.14 25.26 30.86 35.29 34.6239.4199538 SWBC Life Ins Co

57.19 81.46 81.55 107.85 121.50 71.81 110.23 117.91 134.27116.2993777 Pavonia Life Ins Co of MI

104.52 127.77 72.26 555.75 107.74 104.58 127.10 71.91 110.37894.4460488 American Gen Life Ins Co

28.58 26.51 22.28 26.08 13.31 28.58 26.51 22.28 13.3126.0870548 Wichita Natl Life Ins Co

9.25 30.63 28.32 24.32 24.86 9.84 32.62 30.34 26.9926.3876007 Old United Life Ins Co

61.30 39.89 38.01 43.44 41.99 51.85 28.94 33.38 36.3937.8186231 Transamerica Life Ins Co

47.13 28.50 55.98 46.64 48.87 47.45 28.46 55.93 48.7846.4960836 American Republic Ins Co

24.44 30.60 23.89 39.52 22.99 24.44 30.65 23.89 22.9939.5264904 Investors Heritage Life Ins Co

34.27 41.13 34.36 29.13 44.37 27.66 22.72 29.04 36.9325.0666281 Transamerica Premier Life Ins Co

19.07 27.08 25.76 26.94 21.67 19.08 27.08 25.76 21.6726.9480020 Mountain Life Ins Co

71.60 70.11 71.23 62.80 54.01 71.60 70.11 71.23 54.0162.8065480 Old Spartan Life Ins Co Inc

18.05 20.04 26.44 16.88 22.67 18.05 20.04 26.44 22.6716.8860041 UNIVERSAL LIFE INS CO

25.44 22.54 19.20 25.97 26.30 22.11 19.21 16.11 21.3421.3977976 Gulf Guar Life Ins Co

114.61 NR NR NR NR 68.06 NR NR NRNR63126 American Nat Life Ins Co of NY

23.87 17.68 18.12 26.15 41.81 23.87 17.68 18.12 41.8126.1577690 Trans City Life Ins Co

160.29 71.97 66.08 49.65 56.77 49.48 27.42 27.13 51.2546.8770688 Transamerica Financial Life Ins Co

8.23 12.70 13.62 14.61 22.90 10.59 12.70 13.62 21.8911.8177054 MAPFRE Life Ins Co of PR

139.51 -78.25 47.76 177.29 78.60 145.12 -79.72 49.65 73.85183.6470106 United States Life Ins Co in the Cit

25.27 40.01 42.00 37.61 47.86 25.26 39.98 42.13 48.2037.5781779 Individual Assur Co Life Hlth & Acc







19.32 13.79 37.09 28.44 53.55 23.64 16.85 45.75 66.2935.0085677 Life Assur Co Inc

48.92 59.18 43.25 40.23 25.53 49.48 61.30 43.25 25.5340.2374233 First Natl Life Ins Co Of USA

73.06 80.18 66.38 49.02 55.09 73.06 80.18 66.38 55.0949.0262650 Delta Life Ins Co

28.18 33.59 29.84 40.05 28.42 28.18 33.59 29.84 28.4240.0564211 Guarantee Trust Life Ins Co

16.23 39.14 18.51 26.63 24.55 16.23 39.14 18.51 24.5526.6360244 Kentucky Home Life Ins Co

17.61 25.87 27.05 1.31 25.55 17.61 25.87 27.05 25.551.3186118 Arkansas Bankers Life Ins Co

35.44 43.86 57.60 57.10 37.35 35.36 44.22 63.05 40.5762.4671455 Financial Amer Life Ins Co

84.23 41.51 49.62 15.95 56.42 83.65 40.41 48.37 54.2615.5275094 Life Ins Co Of LA

82.80 16.69 46.18 19.77 29.15 60.82 12.68 36.69 26.9716.8088536 Protective Life & Annuity Ins Co

34.73 53.28 45.02 14.58 10.44 34.73 53.28 45.02 10.4414.5872087 Multinational Life Ins Co

14.47 NR NR 24.40 NR 14.47 NR NR NR24.4083992 Foundation Life Ins Co Of AR

22.79 206.09 50.46 57.18 94.99 23.91 308.42 54.58 98.0361.3679340 Pavonia Life Ins Co NY

38.75 3.51 220.44 76.78 419.64 38.75 3.51 220.44 419.6476.7860246 Netcare Life & Hlth Ins Co

228.58 44.66 82.47 118.79 147.70 225.05 44.63 82.45 167.97110.2560895 American United Life Ins Co

41.53 57.71 0.00 NR NR 9.01 13.65 0.00 NRNR15940 Assurity Life Ins Co of NY

14.25 NR -0.32 18.23 20.54 14.25 NR -0.32 20.5418.2374470 Rush Life Ins Co

155.43 68.00 73.36 64.32 54.41 155.43 68.00 73.36 54.2064.3260534 American Heritage Life Ins Co

115.14 -4.97 92.00 119.11 36.22 115.13 -4.97 92.00 36.05119.0362383 Centurion Life Ins Co

29.59 NR NR 22.59 31.09 29.59 NR NR 31.0922.5973989 Mililani Life Ins Co Ltd

67.76 359.27 127.87 -84.09 61.32 67.76 359.27 127.87 61.32-85.9993521 General Fidelity Life Ins Co

25.91 6.03 30.50 30.29 11.01 252.16 1,208.91 NR NRNR92274 Landcar Life Ins Co

3,957.78 3,138.98 938.70 136.07 126.78 3,957.78 3,138.98 938.70 126.78136.0765757 Shelter Life Ins Co

2.65 15.67 9.37 6.32 10.88 2.65 15.67 9.37 10.886.3271463 CICA Life Ins Co of Amer

150.50 0.00 0.00 -8.15 46.59 150.50 0.00 0.00 46.59-8.1593815 Pacific Century Life Ins Corp

37.16 29.17 523.95 25.09 164.43 28.60 22.44 396.10 127.3019.2362553 Country Life Ins Co

46.55 0.00 0.00 32.76 94.62 26.31 0.00 0.00 53.4818.5270435 The Savings Bank Mut Life Ins Co of

1.13 22.34 22.23 49.29 20.62 0.65 14.09 15.10 14.5334.0381477 Union Security Life Ins Co of NY

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

NR NR 0.00 175.82 0.00 NR NR 0.00 0.00107.4379049 Alfa Life Ins Corp

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

NR 66.36 43.88 100.22 73.12 NR 65.41 42.74 71.5797.5965811 American Modern Life Ins Co

NR 50.93 21.25 NR NR NR 49.10 20.95 NRNR13762 American Natl Lif Ins Co of NY

NR NR 8.89 0.00 0.00 NR NR 8.89 0.000.0092649 American Underwriters Life Ins Co

NR NR NR NR NR NR NR NR NRNR68160 Balboa Life Ins Co

NR NR NR NR 0.00 NR NR NR 0.00NR61212 Baltimore Life Ins Co

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







NR NR -6.34 -1.04 43.37 NR NR -6.42 43.37-1.0494447 Century Life Ass Co

NR NR NR NR NR NR NR NR NRNR61824 Cherokee Natl Life Ins Co

NR NR NR NR -3.70 NR NR NR -3.92NR88374 Commonwealth Dealers Life Ins Co

NR NR -15.32 -4.46 -2.51 NR NR -10.86 -1.79-3.1785090 Dearborn Natl Life Ins Co of NY

0.00 0.00 0.00 0.00 151.57 0.00 0.00 0.00 151.570.0062928 EMC Natl Life Co

NR NR 0.00 0.00 99.42 NR NR 0.00 99.420.0089087 Enterprise Life Ins Co

0.00 0.00 -50.10 28.96 45.52 0.00 0.00 -50.10 45.5228.9671480 Great Western Ins Co

NR NR -150.80 NR 39.41 NR NR -150.80 39.41NR75612 Gulf States Life Ins Co

NR 2.04 3.91 11.48 9.61 NR 2.04 3.91 9.6111.4871323 Langhorne Reins AZ Ltd

NR NR NR NR NR NR NR NR NRNR76503 Lasso Hlthcare Ins Co

NR NR 0.00 35.07 56.58 NR NR 0.00 70.6143.6665560 Life Protection Ins Co

NR NR -2.38 -0.87 -0.99 NR NR -2.38 -0.99-0.8799724 LifeShield Natl Ins Co

NR NR NR NR NR NR NR NR NRNR65676 Lincoln Natl Life Ins Co

NR NR NR NR NR NR NR NR NRNR97055 Mega Life & Hlth Ins Co The

NR NR NR NR NR NR NR NR NRNR65978 Metropolitan Life Ins Co

NR NR NR -63.82 NR NR NR NR NR-63.8268349 North Amer Ins Co

NR NR 0.00 -0.68 -1.39 NR NR 0.00 -1.39-0.6867261 Old Republic Life Ins Co

NR 0.00 0.00 0.00 0.00 NR 0.00 0.00 0.000.0088080 Omaha Hlth Ins Co

NR NR NR 0.00 -0.11 NR NR NR -0.110.0076112 Oxford Life Ins Co

NR NR NR NR 188.97 NR NR NR 219.32NR89007 Pavonia Life Ins Co Of DE

NR NR NR NR 137.92 NR NR NR 99.43NR68195 Provident Life & Accident Ins Co

NR NR -83.33 -92,384.39 -34.32 NR NR -83.33 -34.28-92,384.3968241 Prudential Ins Co Of Amer

NR NR NR -11,228.98 NR NR NR NR NR-11,227.8161506 Resource Life Ins Co

NR NR NR -5.63 49.70 NR NR NR 49.70-5.6499465 Servco Life Ins Co

NR NR -431.06 -38.09 32.16 NR NR -544.86 40.34-47.8677151 Service Life & Cas Ins Co

NR NR NR NR NR NR NR NR NRNR89958 Shelterpoint Ins Co

0.00 0.00 0.00 0.00 157.06 0.00 0.00 0.00 157.060.0098868 Sheridan Life Ins Co

NR 31.85 19.81 30.26 39.65 NR 31.85 19.81 39.6530.2674365 Southern Pioneer Life Ins Co

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

NR NR 0.00 0.00 0.00 NR 0.00 0.00 0.000.0069108 State Farm Life Ins Co

NR NR NR NR 28.76 NR NR NR 20.90NR65021 Stonebridge Life Ins Co

NR NR -900.00 -3.31 -23.14 NR NR -900.00 -23.14-3.3169477 Time Ins Co II

0.00 0.00 0.00 -1,011.26 27.82 0.00 0.00 0.00 27.82-1,011.2669523 Trans Oceanic Life Ins Co

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

NR NR NR NR NR NR NR NR NRNR61158 TRIPLE S BLUE

NR NR NR -11.84 -12.50 NR NR NR -12.50-11.8462596 Union Fidelity Life Ins Co







NR 0.00 -11.68 -9.14 205.15 NR 0.00 -11.68 205.15-9.1487645 United Fidelity Life Ins Co

NR NR NR NR -523.56 NR NR NR -523.56NR69973 United Life Ins Co

NR NR NR NR NR NR NR NR NRNR70173 Universal Underwriters Life Ins Co

NR NR 4.35 51.57 NR NR NR 3.14 NR37.1962235 Unum Life Ins Co Of Amer

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.000.0068632 Vantis Life Ins Co

NR NR 44.94 18.57 70.58 NR NR 44.94 70.5818.5793650 Versant Life Ins Co

NR NR NR NR 0.00 NR NR NR 0.00NR92053 Wateree Life Ins

-33.33 -8.11 -15.97 1,287.85 -7.26 -33.33 -8.11 -15.97 -9.791,287.8571099 Parker Centennial Assur Co

-42.86 -4.55 -36.41 -5.47 -10.66 -42.86 -4.55 -43.03 -11.54-6.0369663 USAA Life Ins Co

-73.91 1,647.01 -595.10 171.23 158.57 -73.91 1,646.63 -557.43 193.56207.9661409 National Benefit Life Ins Co

-3.01 -1.32 -0.64 -0.65 -1.70 -3.01 -1.32 -0.64 -1.70-0.6561492 Athene Annuity & Life Assur Co

-2.49 -3.18 -7.36 -3.54 47.61 -2.49 -3.18 -7.36 47.61-3.5466087 Mid West Natl Life Ins Co Of TN

-2,976.19 861.18 -53.99 35.88 0.00 -2,976.19 861.18 -53.99 0.0035.8891448 Southwest Credit Life Inc

-19.80 -5.82 NR NR NR -19.80 -5.85 NR NRNR71390 Puritan Life Ins Co of Amer

NR NR NR NR -9,029.11 NR NR NR -9,029.11NR65838 John Hancock Life Ins Co USA

-176.89 83.27 4.98 61.77 26.07 -95.21 60.61 4.98 15.8336.4571870 Fidelity Security Life Ins Co

COMPANIES IN REPORT - COUNTRYWIDE 47.5545.2144.2745.7445.71 45.3842.6041.0142.2742.51124


CREDIT LIFE


BY STATE SUMMARY (2)




CREDIT LIFEBY STATE

5-yr Aggregated Loss Ratio2018 - 2014

5-yr Aggregated Loss Ratio



Business written in the State of




2018 2017 2016 2015 2014

38.20 38.28Alabama 34.70 34.88 7,325,604 6,576,347 6,508,236 6,598,4137,256,184

37.18 26.28Alaska 36.58 26.04 27,444 190,038 240,540 378,81596,834

46.95 34.26American Samoa 46.26 29.57 -125 2,047 12,555 13,316-1

40.60 30.69Arizona 43.31 33.00 1,128,202 1,567,441 2,499,112 2,620,6241,254,373

32.91 32.79Arkansas 31.21 30.89 2,011,836 1,726,118 2,191,113 2,997,2391,699,561

53.88 48.49California 43.10 38.63 3,962,286 4,197,453 4,974,276 8,060,9074,180,368

47.60 38.85Colorado 45.37 36.89 1,653,700 1,536,739 2,642,220 2,601,3161,166,467

26.13 24.31Connecticut 23.94 21.47 1,158,482 807,049 1,139,358 1,272,372875,419

49.34 49.53Delaware 46.17 47.26 476,686 655,893 431,384 952,160372,785

38.56 34.07District Of Columbia 34.69 30.05 169,957 225,695 320,793 285,799252,114

52.67 52.26Florida 47.89 47.41 16,855,517 18,300,939 17,845,628 19,186,31618,049,199

59.37 59.13Georgia 58.74 58.75 14,958,179 15,700,905 15,964,951 15,732,93614,621,083

27.95 26.00Guam 27.94 26.00 805,124 1,251,690 877,854 1,168,554690,586

34.19 35.85Hawaii 32.53 33.06 1,255,345 1,015,043 1,039,034 1,080,0641,032,395

36.37 37.61Idaho 32.08 31.78 1,649,460 2,151,687 1,924,781 1,321,6871,850,011

42.60 41.85Illinois 42.32 41.52 8,898,375 8,907,572 10,101,363 9,180,9167,258,697

62.99 62.32Indiana 61.05 62.03 8,376,566 7,437,101 7,928,910 8,354,4498,379,946

35.11 33.83Iowa 35.22 34.09 2,837,471 3,072,127 3,580,269 3,834,4032,811,026

38.74 39.14Kansas 28.45 28.28 3,837,555 3,886,426 3,865,678 4,135,9304,230,957

46.83 48.92Kentucky 42.05 43.23 8,821,162 8,353,134 8,283,679 7,803,2829,011,885

29.65 30.74Louisiana 22.63 22.84 9,531,692 10,990,386 9,465,300 9,915,64610,520,805

76.54 74.67Maine 72.04 70.63 1,976,201 2,238,137 2,319,386 2,715,3361,757,634

60.50 59.19Maryland 37.59 34.56 3,885,648 4,423,117 4,394,169 4,917,5863,190,531

42.60 32.94Massachusetts 38.78 29.11 605,260 867,850 1,054,349 1,855,958544,535

50.00 48.79Michigan 45.31 43.41 13,907,199 14,389,710 14,565,082 15,910,44813,500,490

54.32 55.22Minnesota 55.26 56.57 3,984,121 3,520,608 3,415,932 4,155,0422,515,056

39.03 40.42Mississippi 33.60 34.59 9,599,966 9,296,697 9,131,538 7,489,0819,555,180

50.36 49.47Missouri 54.81 54.65 8,510,494 8,040,764 9,246,644 10,104,7338,024,025

49.99 46.81Montana 49.32 46.12 585,727 935,416 779,460 1,491,423584,332

33.59 34.66Nebraska 34.06 35.65 1,072,409 1,268,425 1,425,428 1,577,8121,024,889

66.82 64.65Nevada 67.14 64.59 476,035 712,074 908,338 678,017471,745

39.93 41.69New Hampshire 23.30 22.10 1,687,455 2,040,304 1,767,706 1,942,0832,043,205

46.14 41.52New Jersey 45.54 41.01 1,599,813 1,582,452 2,079,614 2,968,2511,330,432

50.06 52.55New Mexico 52.84 56.87 3,008,443 4,132,031 3,321,501 3,618,1402,549,776

63.63 64.18New York 49.57 47.86 14,945,828 17,466,715 16,437,780 16,558,66215,527,397

57.57 56.48North Carolina 54.89 54.16 15,383,024 14,193,729 15,946,247 16,070,50814,766,822

42.36 42.49North Dakota 41.53 41.58 1,641,309 1,795,653 2,312,054 1,619,1511,615,883

24.34 27.41Northern Mariana Islands 24.27 27.41 64,930 43,246 26,211 75,455112,268

50.33 50.92Ohio 46.14 46.87 8,692,970 9,490,882 10,206,343 11,749,0239,371,074



CREDIT LIFEBY STATE





Business written in the State of




2018 2017 2016 2015 2014

40.41 38.04Oklahoma 40.14 37.80 3,955,005 3,991,212 5,452,133 6,205,6114,380,369

59.71 56.32Oregon 58.14 53.78 2,194,601 2,152,622 3,095,172 3,106,0862,148,403

67.24 68.14Pennsylvania 67.42 67.81 15,352,843 15,527,635 18,471,600 20,462,45812,994,334

32.44 34.54Puerto Rico 26.95 29.12 9,993,027 11,236,593 10,839,468 10,716,77310,710,084

74.71 67.86Rhode Island 59.99 44.32 203,364 219,532 317,104 517,040259,718

51.54 52.81South Carolina 50.32 51.66 10,953,780 12,594,029 11,767,176 11,198,06311,240,637

31.53 29.62South Dakota 29.52 27.45 916,344 864,994 1,176,477 1,103,811627,253

45.39 45.80Tennessee 41.55 40.20 13,252,260 12,904,777 13,115,692 12,869,54513,629,654

33.60 33.20Texas 39.08 38.66 34,098,757 34,938,892 34,063,562 37,895,98732,598,922

34.03 32.50US Virgin Islands 34.21 32.56 56,205 764,441 802,405 513,13542,293

43.53 42.18Utah 34.14 30.53 3,077,511 2,853,619 3,768,352 2,917,2782,641,883

75.00 81.12Vermont 68.77 73.25 969,242 909,470 1,116,893 665,895651,448

62.23 57.54Virginia 63.35 58.46 9,430,357 9,379,718 9,932,813 12,880,7207,875,280

65.03 54.96Washington 67.50 58.19 1,549,541 1,963,359 3,157,614 3,227,3841,417,189

47.96 46.49West Virginia 47.68 45.91 2,091,718 2,654,119 2,585,047 3,328,6432,381,724

40.35 38.05Wisconsin 39.46 37.15 3,759,794 3,744,980 4,925,588 4,420,7123,537,224

34.77 27.09Wyoming 34.39 26.81 335,663 326,410 659,187 608,329273,350

45.70 45.2142.77 41.90 299,557,360 312,016,041 326,421,096 345,629,323Total 291,505,727



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 2018 20182017 20172016 20162015 20152014 2014

38.84 40.11 35.88 37.45 38.72 35.26 36.60 32.77 33.77 35.09Alabama35.10 6.87 36.48 39.71 53.38 34.80 6.81 36.13 39.13 51.85Alaska

NR -22.94 40.44 72.53 36.71 NR -22.94 34.40 72.53 36.71American Samoa29.25 27.45 35.03 52.84 55.30 31.10 30.17 37.34 55.68 58.46Arizona31.55 38.18 29.12 26.83 39.75 30.10 35.32 27.56 25.71 37.88Arkansas56.31 46.66 44.02 48.39 70.90 45.07 36.78 35.30 38.80 57.12California34.86 44.43 37.07 59.85 57.28 32.20 42.32 35.91 56.81 55.35Colorado25.97 28.87 18.77 26.40 31.00 22.97 25.47 16.56 25.63 29.82Connecticut44.42 47.92 54.42 32.85 63.37 42.39 46.03 51.64 30.40 57.59Delaware44.22 26.58 32.62 48.77 41.16 38.58 23.23 29.30 45.16 38.11District Of Columbia55.46 50.62 50.87 51.99 54.51 50.41 45.70 46.29 47.31 49.85Florida56.36 60.16 60.93 60.96 58.52 56.14 59.59 60.56 60.02 57.48Georgia20.51 23.00 33.82 25.34 37.44 20.51 23.00 33.82 25.31 37.41Guam33.57 41.90 32.32 30.62 33.21 27.41 41.27 31.88 30.69 32.80Hawaii37.27 33.33 42.08 39.93 28.62 31.14 28.35 35.73 37.22 27.62Idaho38.02 44.84 42.52 46.34 40.96 38.83 44.10 41.43 46.94 40.08Illinois64.53 65.31 57.17 62.16 65.86 66.55 65.43 54.64 59.19 60.11Indiana34.89 33.31 33.38 36.57 36.89 36.09 33.11 33.33 36.46 36.83Iowa43.93 37.82 36.10 36.68 39.67 31.15 27.26 26.60 27.27 30.20Kansas51.48 50.17 45.29 45.25 42.32 45.92 44.29 39.70 40.07 40.47Kentucky31.43 28.78 31.94 27.16 28.96 23.35 21.22 23.91 20.63 24.15Louisiana76.53 75.40 72.67 73.15 84.54 72.77 69.81 69.74 68.20 79.36Maine52.09 59.96 64.84 60.85 63.47 31.95 32.83 38.62 39.54 44.80Maryland31.82 30.15 36.07 41.11 64.48 27.81 26.52 32.27 39.29 60.00Massachusetts49.28 48.05 49.05 48.75 54.88 41.12 44.11 45.09 44.84 51.75Michigan44.06 67.51 53.87 50.17 55.93 46.01 67.50 55.50 50.89 56.09Minnesota40.53 41.86 38.94 39.49 34.10 34.47 35.71 33.62 34.33 29.61Mississippi51.96 52.54 44.57 49.48 53.59 59.83 57.42 48.06 52.98 56.99Missouri44.34 39.96 54.58 40.09 64.52 43.66 39.07 54.15 39.42 63.97Montana39.52 32.84 32.94 32.19 32.71 40.02 33.64 34.35 32.25 32.61Nebraska61.63 58.35 72.22 85.18 55.36 59.92 57.52 74.58 85.51 56.35Nevada47.65 36.06 41.85 36.56 38.32 25.13 19.04 22.36 26.17 24.81New Hampshire43.30 45.33 37.08 44.10 57.78 43.28 43.36 37.31 44.51 55.82New Jersey46.94 49.79 59.31 45.44 48.45 51.91 55.57 61.55 45.63 50.56New Mexico66.64 59.84 66.10 61.41 64.37 51.20 44.98 47.70 51.68 52.92New York55.01 61.23 53.47 59.92 58.43 54.03 59.36 49.58 56.30 55.57North Carolina44.00 41.60 42.02 50.21 34.36 43.47 40.21 41.24 49.37 33.76North Dakota36.01 24.76 18.78 10.09 29.11 36.01 24.76 18.78 10.02 28.89Northern Mariana Islands58.37 49.29 46.47 46.74 52.40 53.30 47.79 41.22 41.54 49.09Ohio



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 2018 20182017 20172016 20162015 20152014 2014

40.41 40.85 33.59 44.46 42.24 40.28 40.49 33.35 44.24 41.90Oklahoma59.65 59.24 50.93 67.43 60.42 55.64 55.59 50.41 67.07 60.38Oregon68.91 72.32 63.89 66.48 66.06 68.69 71.76 63.67 67.82 66.26Pennsylvania35.27 32.74 35.57 29.44 30.10 31.14 26.92 29.42 23.46 25.15Puerto Rico

100.08 61.07 53.11 67.47 93.26 62.78 39.14 36.18 78.06 88.84Rhode Island51.10 50.23 57.08 53.03 46.68 49.26 49.61 56.12 52.17 45.02South Carolina26.33 33.73 28.53 35.88 31.91 24.08 31.19 26.75 34.02 30.23South Dakota46.37 46.47 44.55 45.32 44.27 41.27 40.46 38.90 43.32 44.27Tennessee33.84 34.06 31.86 31.28 37.29 39.21 39.63 37.28 36.32 43.30Texas10.12 11.61 43.60 45.33 25.96 10.32 11.54 43.60 46.07 25.97US Virgin Islands45.31 48.80 34.85 48.73 41.71 31.05 34.55 26.75 40.12 40.43Utah63.74 95.77 83.82 91.11 47.38 61.81 78.81 77.71 85.42 44.11Vermont57.08 60.36 55.32 60.02 77.56 58.43 61.19 55.96 61.91 78.37Virginia56.13 53.47 55.35 79.77 72.16 58.09 56.53 59.65 81.35 73.20Washington48.82 41.73 48.78 45.01 54.43 48.59 40.76 48.33 45.13 54.60West Virginia37.39 39.89 36.96 46.97 40.09 39.19 37.44 35.14 45.28 39.94Wisconsin26.84 28.82 25.71 48.41 39.98 26.45 28.47 25.57 47.87 39.53Wyoming

45.71 45.74 44.27 45.21 47.55 42.51 42.27 41.01 42.60 45.38Total


CREDIT LIFE

EARNED PREMIUMS




2018 CREDIT EXPERIENCE REPORTEarned Premiums


Earned Premiums $

COCODE COMPANY NAMEBusiness

TypeDOM 2018 2017 2016 2015 2014

62626 CMFG Life Ins Co IA L 204,853,220 201,710,535 196,333,811 187,354,262200,734,35960518 American Hlth & Life Ins Co TX L 49,618,378 50,146,585 52,015,352 54,175,89077,126,98666168 Minnesota Life Ins Co MN L 53,603,850 50,134,918 47,183,543 43,530,61455,890,02061751 Central States H & L Co Of Omaha NE L 59,370,948 64,977,165 65,316,949 62,845,25250,501,89097691 Life Of The South Ins Co GA L 44,191,957 44,011,482 39,681,700 32,795,21046,789,63160739 American Natl Ins Co TX L 28,532,530 28,166,237 28,798,601 24,283,78327,073,40765951 Merit Life Ins Co TX L 42,922,947 43,365,004 38,135,048 32,335,01522,253,27397152 Plateau Ins Co TN L 22,038,004 20,762,551 19,061,177 15,208,33021,700,97373156 Caribbean Amer Life Assur Co PR L 14,011,364 14,531,100 14,750,976 14,572,15213,337,76461298 Bankers Life Of LA LA L 11,693,460 11,973,632 11,559,920 10,657,13211,602,19579715 Cooperativa De Seguros De Vida PR L 9,782,526 9,591,298 10,466,591 10,800,49410,519,65668136 Protective Life Ins Co TN L 12,569,122 14,681,246 16,373,116 17,653,31210,453,16976007 Old United Life Ins Co AZ L 4,560,304 4,864,573 4,864,177 5,196,4869,206,42267628 Pekin Life Ins Co IL L 9,752,639 9,396,319 8,641,553 7,775,7288,493,27698736 American Federated Life Ins Co MS L 7,849,411 7,773,490 7,157,288 6,650,3788,039,12293742 Securian Life Ins Co MN L 2,962,315 2,788,250 3,048,699 4,659,6947,135,72760275 American Bankers Life Assur Co Of FL FL L 13,599,630 21,161,078 30,329,793 43,247,9396,857,05799538 SWBC Life Ins Co TX L 6,076,356 5,066,903 1,313,450 845,3146,467,54760242 Southern Financial Life Ins Co KY L 3,912,198 3,782,078 3,761,862 3,629,3634,137,31380020 Mountain Life Ins Co TN L 2,100,132 2,259,134 2,345,352 2,475,2973,517,54170548 Wichita Natl Life Ins Co OK L 3,423,788 3,422,907 3,433,080 5,555,6533,448,11464904 Investors Heritage Life Ins Co KY L 3,864,773 3,830,911 3,355,530 3,760,7403,343,77460041 UNIVERSAL LIFE INS CO PR L 3,301,257 3,394,640 4,389,595 5,316,1203,332,33677054 MAPFRE Life Ins Co of PR PR L 3,547,104 3,869,066 6,122,655 3,654,0573,269,06893777 Pavonia Life Ins Co of MI MI L 3,898,789 9,535,723 16,533,038 23,209,8292,273,23877976 Gulf Guar Life Ins Co MS L 2,276,218 2,484,363 2,760,114 2,860,8922,205,81766281 Transamerica Premier Life Ins Co IA L 3,526,428 6,896,655 10,486,617 7,931,0322,013,90260836 American Republic Ins Co IA L 1,881,947 2,317,582 2,567,765 3,567,5431,742,42477690 Trans City Life Ins Co AZ L 1,584,174 1,613,352 1,636,331 1,560,3661,635,11786231 Transamerica Life Ins Co IA L 3,644,829 13,735,056 24,759,656 25,555,6271,389,07485677 Life Assur Co Inc OK L 1,347,168 1,537,813 1,729,829 1,869,2631,225,56981779 Individual Assur Co Life Hlth & Acc OK L 1,190,410 2,639,438 3,772,511 6,045,832973,16860488 American Gen Life Ins Co TX L 1,660,782 2,076,005 428,708 4,800,806962,03360244 Kentucky Home Life Ins Co KY L 965,752 1,148,983 1,100,821 1,165,947924,39565480 Old Spartan Life Ins Co Inc SC L 914,602 1,010,022 1,105,213 1,355,618896,89786118 Arkansas Bankers Life Ins Co AR L 820,368 918,200 2,155,248 989,692796,08883992 Foundation Life Ins Co Of AR AR L 0 0 500,612 0722,35964211 Guarantee Trust Life Ins Co IL L 1,097,491 1,935,880 3,092,948 4,614,344569,67363126 American Nat Life Ins Co of NY NY L 0 0 0 0480,28674233 First Natl Life Ins Co Of USA NE L 558,359 675,156 758,571 790,269447,00871463 CICA Life Ins Co of Amer CO L 392,578 428,470 418,741 389,422383,69271455 Financial Amer Life Ins Co KS L 965,040 2,426,622 4,618,147 7,994,244368,532




Earned Premiums $


TypeDOM 2018 2017 2016 2015 2014

72087 Multinational Life Ins Co PR L 354,935 709,685 1,682,372 1,934,946314,09879340 Pavonia Life Ins Co NY NY L 197,959 1,493,836 1,704,082 1,478,156279,01674470 Rush Life Ins Co LA L 0 319,842 342,855 392,482269,11570688 Transamerica Financial Life Ins Co NY L 1,272,152 3,055,837 4,554,842 4,259,621237,61662650 Delta Life Ins Co GA L 229,346 231,564 247,261 272,729229,30970106 United States Life Ins Co in the Cit NY L 230,709 353,195 458,035 662,507186,33875094 Life Ins Co Of LA LA L 175,473 153,327 291,481 285,339151,35188536 Protective Life & Annuity Ins Co AL L 189,484 243,226 294,331 359,238139,44460246 Netcare Life & Hlth Ins Co GU L 71,890 66,241 61,380 32,395133,27681477 Union Security Life Ins Co of NY NY L 391,335 511,272 554,332 604,569130,44315940 Assurity Life Ins Co of NY NY L 83,134 8,599 0 094,80773989 Mililani Life Ins Co Ltd HI L 0 0 99,763 101,59274,34692274 Landcar Life Ins Co UT L 191,179 402,439 705,809 1,129,17163,08093521 General Fidelity Life Ins Co SC L 65,200 97,336 144,848 219,00627,29571390 Puritan Life Ins Co of Amer TX L 32,372 0 0 025,25162383 Centurion Life Ins Co IA L 85,516 124,845 201,423 327,57125,05098868 Sheridan Life Ins Co OK L 23,655 21,966 8,702 8,55923,25760534 American Heritage Life Ins Co FL L 144,071 552,473 1,294,820 2,577,38322,84760895 American United Life Ins Co IN L 43,863 82,379 165,436 272,83722,33371870 Fidelity Security Life Ins Co MO L 26,546 44,191 58,221 79,3377,85862553 Country Life Ins Co IL L 7,230 7,922 8,748 9,4976,60993815 Pacific Century Life Ins Corp AZ L 3,951 1,072 184,027 116,2195,00070435 The Savings Bank Mut Life Ins Co of MA L 11,233 11,393 20,219 28,1493,69966087 Mid West Natl Life Ins Co Of TN TX L 1,510 4,226 6,644 11,2111,04462928 EMC Natl Life Co IA L 694 1,106 1,156 98980371480 Great Western Ins Co UT L 2,071 3,992 8,164 7,19279961492 Athene Annuity & Life Assur Co DE L 907 1,867 2,144 2,64959965757 Shelter Life Ins Co MO L 1,003 3,452 11,592 30,21737991448 Southwest Credit Life Inc NM L 845 9,261 39,323 111,1628468632 Vantis Life Ins Co CT L 327 665 1,347 2,6448161409 National Benefit Life Ins Co NY L 479 9,777 145,141 428,6572369523 Trans Oceanic Life Ins Co PR L 13 66 444 4,2631369663 USAA Life Ins Co TX L 44 195 128 197771099 Parker Centennial Assur Co WI L 37 119 502 895660054 Aetna Life Ins Co CT L 0 0 0 0079049 Alfa Life Ins Corp AL L 0 2,892 8,365 10,619060186 Allstate Life Ins Co IL L 0 0 0 0065811 American Modern Life Ins Co OH L 3,532,369 6,134,140 7,937,121 10,161,003013762 American Natl Lif Ins Co of NY NY L 656,681 199,810 0 0092649 American Underwriters Life Ins Co AZ L 0 19,103 29,894 40,016068160 Balboa Life Ins Co CA L 0 0 0 0061212 Baltimore Life Ins Co MD L 0 0 0 1350




Earned Premiums $


TypeDOM 2018 2017 2016 2015 2014

61476 Boston Mut Life Ins Co MA L 2 161 218 260094447 Century Life Ass Co OK L 0 36,733 69,645 134,473061824 Cherokee Natl Life Ins Co GA L 0 0 0 0088374 Commonwealth Dealers Life Ins Co VA L 0 0 0 54085090 Dearborn Natl Life Ins Co of NY NY L 0 124 426 758089087 Enterprise Life Ins Co TX L 0 222 353 11,464075612 Gulf States Life Ins Co LA L 0 4,642 -244 23,461065838 John Hancock Life Ins Co USA MI L 0 0 0 237071323 Langhorne Reins AZ Ltd AZ L 683,327 928,806 933,268 1,019,963076503 Lasso Hlthcare Ins Co TX L 0 0 0 0065560 Life Protection Ins Co TX L 0 2,452 23,955 99,896099724 LifeShield Natl Ins Co OK L 0 462 1,608 2,719065676 Lincoln Natl Life Ins Co IN L 0 0 0 0097055 Mega Life & Hlth Ins Co The OK L 0 0 0 0065978 Metropolitan Life Ins Co NY L 0 0 0 0068349 North Amer Ins Co WI L 0 0 152 -2,527067261 Old Republic Life Ins Co IL L 0 26 2,359 11,284088080 Omaha Hlth Ins Co NE L 363 584 808 1,158076112 Oxford Life Ins Co AZ L 0 0 22 290089007 Pavonia Life Ins Co Of DE DE L 0 0 0 132,536068195 Provident Life & Accident Ins Co TN L 0 0 0 4,269068241 Prudential Ins Co Of Amer NJ L 0 6 237 915061506 Resource Life Ins Co IL L 0 0 96 -17,263099465 Servco Life Ins Co TX L 0 0 7,205 73,278077151 Service Life & Cas Ins Co TX L 0 20,162 190,310 979,701089958 Shelterpoint Ins Co FL L 0 0 0 0074365 Southern Pioneer Life Ins Co AR L 1,350,136 2,314,088 1,927,082 2,218,618069094 State Farm Life & Accident Asr Co IL L 1 19 45 70069108 State Farm Life Ins Co IL L -1 49 194 565065021 Stonebridge Life Ins Co VT L 0 0 0 624,702069477 Time Ins Co II PR L 0 34 1,361 1,076010952 Transamerica Cas Ins Co IA P 0 8,583,308 0 0061158 TRIPLE S BLUE PR L 0 0 0 0062596 Union Fidelity Life Ins Co KS L 0 0 591 6,384087645 United Fidelity Life Ins Co TX L 59 368 689 1,845069973 United Life Ins Co IA L 0 0 0 191070173 Universal Underwriters Life Ins Co KS L 0 0 0 -2,453062235 Unum Life Ins Co Of Amer ME L 0 8,234 9,144 0093650 Versant Life Ins Co MS L 0 948,502 703,022 256,781092053 Wateree Life Ins SC L 0 0 0 1,685,5440

124 Companies - COUNTRYWIDE 654,925,249 704,772,715 722,012,185 726,912,343637,715,168




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

COMPANY NAME DOMBusiness

TypeCOCODE 2018 20182017 20172016 20162015 20152014 2014

-19.65 -19.31 -14.64-16.72-20.07CMFG Life Ins Co L 253,885,016 252,360,031 235,761,702 219,498,61462626 IA 249,822,674

7.89 8.09 6.837.067.17American Hlth & Life Ins Co L 45,903,550 46,791,448 48,585,084 50,712,16860518 TX 71,489,436

-5.14 -4.22 -5.64-4.84-5.13Minnesota Life Ins Co L 55,962,795 52,847,639 49,581,802 46,134,29866168 MN 58,919,961

-0.94 -1.21 -0.29-0.80-0.80Life Of The South Ins Co L 44,731,493 44,367,125 40,001,958 32,890,87997691 GA 47,235,856

7.44 7.31 8.269.558.26Central States H & L Co Of Omaha L 55,328,381 60,022,066 59,624,079 58,051,16161751 NE 47,003,323

-1.89 0.01 -1.110.49-2.22American Natl Ins Co L 28,530,452 28,804,422 28,658,090 24,556,72660739 TX 27,593,784

1.84 1.47 0.620.430.76Plateau Ins Co L 21,717,680 20,606,450 18,979,776 15,114,97597152 TN 21,307,954

6.19 6.52 2.773.284.92Merit Life Ins Co L 40,294,837 41,332,670 36,924,549 31,464,63465951 TX 20,956,464

-31.06 -40.22 -38.77-43.01-40.75Cooperativa De Seguros De Vida L 16,365,292 16,189,114 18,366,636 17,638,39279715 PR 15,259,802

0.00 0.00 0.000.000.00Caribbean Amer Life Assur Co L 14,011,364 14,531,100 14,750,976 14,572,15273156 PR 13,337,764

0.00 0.00 0.000.000.00Bankers Life Of LA L 11,693,460 11,973,632 11,559,920 10,657,13261298 LA 11,602,195

-10.14 0.26 -0.21-0.70-0.17Pekin Life Ins Co L 9,726,916 9,411,957 8,702,594 7,792,45867628 IL 9,451,221

12.29 11.76 8.159.2110.15Protective Life Ins Co L 11,246,953 13,327,864 14,992,132 16,323,43768136 TN 9,309,158

6.30 6.50 8.568.457.16Old United Life Ins Co L 4,282,121 4,539,462 4,485,031 4,786,88776007 AZ 8,660,619

0.00 0.00 0.000.000.00American Federated Life Ins Co L 7,849,411 7,773,490 7,157,288 6,650,37898736 MS 8,039,121

-6.55 -10.38 -2.42-7.07-9.41Securian Life Ins Co L 3,305,341 3,077,857 3,280,741 4,775,35493742 MN 7,636,188

-4.71 -7.51 -2.71-3.67-5.17American Bankers Life Assur Co Of FL L 14,703,759 22,315,491 31,486,033 44,453,40460275 FL 7,195,987

-0.66 -3.69 23.0317.553.33SWBC Life Ins Co L 6,308,851 4,903,633 1,117,355 687,09299538 TX 6,510,410

0.00 0.00 0.000.000.00Southern Financial Life Ins Co L 3,912,198 3,782,078 3,761,862 3,629,36360242 KY 4,137,313

0.04 0.00 0.000.000.00Mountain Life Ins Co L 2,100,132 2,259,134 2,345,352 2,475,29780020 TN 3,516,243

0.00 0.00 0.000.000.00Wichita Natl Life Ins Co L 3,423,788 3,422,908 3,433,080 5,555,65470548 OK 3,447,991

0.00 0.19 0.000.000.00Investors Heritage Life Ins Co L 3,857,384 3,830,911 3,355,530 3,760,74064904 KY 3,343,774

0.00 0.00 0.000.000.00UNIVERSAL LIFE INS CO L 3,301,257 3,394,640 4,389,595 5,316,12060041 PR 3,332,336

28.67 0.00 -4.39-19.140.00MAPFRE Life Ins Co of PR L 3,547,104 3,869,066 7,572,149 3,821,97377054 PR 2,540,700

-13.12 -14.80 -18.86-17.67-16.11Gulf Guar Life Ins Co L 2,671,504 2,961,438 3,352,483 3,525,67177976 MS 2,538,846

-19.31 -44.75 -16.77-13.97-15.47Transamerica Premier Life Ins Co L 6,383,003 8,159,182 12,189,428 9,529,23466281 IA 2,495,863

25.56 35.32 10.527.8244.59Pavonia Life Ins Co of MI L 2,881,152 6,595,106 15,333,299 21,001,47093777 MI 1,810,546

0.67 -0.15 -0.18-0.32-0.09American Republic Ins Co L 1,884,741 2,319,608 2,576,012 3,573,94360836 IA 1,730,786

-15.41 -27.45 -13.32-12.96-12.17Transamerica Life Ins Co L 5,023,881 15,639,068 28,446,305 29,482,30486231 IA 1,642,218

0.00 0.00 0.000.000.00Trans City Life Ins Co L 1,584,175 1,613,352 1,636,330 1,560,36677690 AZ 1,635,118

22.38 22.17 23.7923.0623.33Life Assur Co Inc L 1,102,670 1,246,905 1,405,675 1,509,98485677 OK 1,001,424

-0.05 -0.08 0.71-0.100.33Individual Assur Co Life Hlth & Acc L 1,191,339 2,630,859 3,776,276 6,003,30381779 OK 973,630

0.06 -0.53 2.4460.94-0.48American Gen Life Ins Co L 1,669,592 2,085,969 266,372 4,686,63260488 TX 961,485

0.00 0.00 0.000.000.00Kentucky Home Life Ins Co L 965,752 1,148,983 1,100,821 1,165,94760244 KY 924,395

0.00 0.00 0.000.000.00Old Spartan Life Ins Co Inc L 914,602 1,010,022 1,105,213 1,355,61865480 SC 896,897

-40.61 NR NRNRNRAmerican Nat Life Ins Co of NY L 0 0 0 063126 NY 808,748






TypeCOCODE 2018 20182017 20172016 20162015 20152014 2014

0.00 0.00 0.000.000.00Arkansas Bankers Life Ins Co L 820,368 918,200 2,155,248 989,69286118 AR 796,088

-69.13 -61.91 -9.72-5.60-58.95Transamerica Financial Life Ins Co L 3,339,601 7,443,357 4,824,854 4,718,03070688 NY 769,766

0.00 NR NR0.00NRFoundation Life Ins Co Of AR L 0 0 500,612 083992 AR 722,359

0.00 0.00 0.000.000.00Guarantee Trust Life Ins Co L 1,097,485 1,935,887 3,092,948 4,614,34464211 IL 569,673

1.15 3.59 0.000.000.00First Natl Life Ins Co Of USA L 539,026 675,156 758,571 790,26974233 NE 441,926

-78.31 -76.35 NRNR-71.69Assurity Life Ins Co of NY L 351,471 30,378 0 015940 NY 437,052

0.00 0.00 0.000.000.00CICA Life Ins Co of Amer L 392,578 428,470 418,741 389,42271463 CO 383,692

-0.22 0.82 8.619.399.47Financial Amer Life Ins Co L 957,152 2,216,655 4,221,887 7,360,58771455 KS 369,347

0.00 0.00 0.000.000.00Multinational Life Ins Co L 354,935 709,685 1,682,372 1,934,94672087 PR 314,098

0.00 NR 0.000.000.00Rush Life Ins Co L 0 319,842 342,855 392,48274470 LA 269,115

4.94 49.65 3.207.318.15Pavonia Life Ins Co NY L 132,280 1,381,224 1,588,052 1,432,30179340 NY 265,885

0.00 0.00 0.000.000.00Delta Life Ins Co L 229,346 231,568 247,261 272,72962650 GA 229,309

-42.38 -36.95 -29.53-30.96-32.05Union Security Life Ins Co of NY L 620,630 752,439 802,954 857,90981477 NY 226,389

-26.55 -24.04 -7.49-15.02-20.56Protective Life & Annuity Ins Co L 249,436 306,191 346,335 388,30988536 AL 189,851

4.03 1.88 -6.043.583.96United States Life Ins Co in the Cit L 226,453 339,752 442,196 705,12070106 NY 179,128

-0.69 -2.66 -3.84-2.72-2.52Life Ins Co Of LA L 180,264 157,287 299,624 296,73475094 LA 152,397

0.00 0.00 0.000.000.00Netcare Life & Hlth Ins Co L 71,890 66,241 61,380 32,39560246 GU 133,276

0.00 NR 0.000.00NRMililani Life Ins Co Ltd L 0 0 99,763 101,59273989 HI 74,346

0.00 0.00 0.002.260.00General Fidelity Life Ins Co L 65,200 97,336 141,640 219,00593521 SC 27,295

0.00 0.60 NRNRNRPuritan Life Ins Co of Amer L 32,179 0 0 071390 TX 25,251

-0.01 0.00 -0.47-0.070.00Centurion Life Ins Co L 85,519 124,847 201,564 329,13062383 IA 25,052

0.00 0.00 0.000.000.00Sheridan Life Ins Co L 23,655 21,966 8,702 8,55998868 OK 23,257

0.00 0.00 -0.380.000.00American Heritage Life Ins Co L 144,071 552,473 1,294,817 2,587,19960534 FL 22,847

-1.54 -0.07 13.73-7.19-0.02American United Life Ins Co L 43,893 82,399 178,250 239,90560895 IN 22,683

-46.17 -27.22 -39.30-40.990.00Fidelity Security Life Ins Co L 36,473 44,191 98,656 130,69771870 MO 14,599

-23.04 -23.08 -22.58-23.38-24.40Country Life Ins Co L 9,399 10,479 11,417 12,26762553 IL 8,588

-43.48 -44.27 -43.48-43.48-43.48The Savings Bank Mut Life Ins Co of L 20,157 20,157 35,772 49,80370435 MA 6,545

873.16 9,939.73 603.491,003.232,626.61Landcar Life Ins Co L 954 -15,928 -78,143 -224,26892274 UT 6,482

0.00 0.00 0.000.000.00Pacific Century Life Ins Corp L 3,951 1,072 184,027 116,21993815 AZ 5,000

0.00 0.00 0.000.000.00Mid West Natl Life Ins Co Of TN L 1,510 4,226 6,644 11,21166087 TX 1,044

0.00 0.00 0.000.000.00EMC Natl Life Co L 694 1,106 1,156 98962928 IA 803

0.00 0.00 0.000.000.00Great Western Ins Co L 2,071 3,992 8,164 7,19271480 UT 799

0.00 0.00 0.000.050.00Athene Annuity & Life Assur Co L 907 1,867 2,143 2,64961492 DE 599

0.00 0.00 0.000.000.00Shelter Life Ins Co L 1,003 3,452 11,592 30,21765757 MO 379

0.00 0.00 0.000.000.00Southwest Credit Life Inc L 845 9,261 39,323 111,16291448 NM 84

0.00 0.00 0.000.000.00Vantis Life Ins Co L 327 665 1,347 2,64468632 CT 81






TypeCOCODE 2018 20182017 20172016 20162015 20152014 2014

0.00 -0.02 22.0721.45-6.33National Benefit Life Ins Co L 479 10,437 119,505 351,15761409 NY 23

0.00 0.00 0.000.000.00Trans Oceanic Life Ins Co L 13 66 444 4,26369523 PR 13

0.00 0.00 8.2410.3418.18USAA Life Ins Co L 44 165 116 18269663 TX 7

0.00 0.00 34.790.000.00Parker Centennial Assur Co L 37 119 502 66471099 WI 6

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

NR NR -44.26-38.90-60.35Alfa Life Ins Corp L 0 7,292 13,690 19,05179049 AL 0

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

NR -1.42 -2.12-2.62-2.61American Modern Life Ins Co L 3,583,321 6,298,627 8,150,896 10,381,08965811 OH 0

NR -3.59 NRNR-1.42American Natl Lif Ins Co of NY L 681,150 202,698 0 013762 NY 0

NR NR 0.000.000.00American Underwriters Life Ins Co L 0 19,103 29,894 40,01692649 AZ 0

NR NR NRNRNRBalboa Life Ins Co L 0 0 0 068160 CA 0

NR NR 0.00NRNRBaltimore Life Ins Co L 0 0 0 13561212 MD 0

NR 0.00 0.000.000.00Boston Mut Life Ins Co L 2 161 218 26061476 MA 0

NR NR 0.000.001.21Century Life Ass Co L 0 36,294 69,645 134,47394447 OK 0

NR NR NRNRNRCherokee Natl Life Ins Co L 0 0 0 061824 GA 0

NR NR 5.88NRNRCommonwealth Dealers Life Ins Co L 0 0 0 5188374 VA 0

NR NR -28.63-28.88-29.14Dearborn Natl Life Ins Co of NY L 0 175 599 1,06285090 NY 0

NR NR 0.000.000.00Enterprise Life Ins Co L 0 222 353 11,46489087 TX 0

NR NR 0.000.000.00Gulf States Life Ins Co L 0 4,642 -244 23,46175612 LA 0

NR NR 0.00NRNRJohn Hancock Life Ins Co USA L 0 0 0 23765838 MI 0

NR 0.00 0.000.000.00Langhorne Reins AZ Ltd L 683,327 928,806 933,268 1,019,96371323 AZ 0

NR NR NRNRNRLasso Hlthcare Ins Co L 0 0 0 076503 TX 0

NR NR 24.8024.4923.65Life Protection Ins Co L 0 1,983 19,242 80,04465560 TX 0

NR NR 0.000.000.00LifeShield Natl Ins Co L 0 462 1,608 2,71999724 OK 0

NR NR NRNRNRLincoln Natl Life Ins Co L 0 0 0 065676 IN 0

NR NR NRNRNRMega Life & Hlth Ins Co The L 0 0 0 097055 OK 0

NR NR NRNRNRMetropolitan Life Ins Co L 0 0 0 065978 NY 0

NR NR 0.020.00NRNorth Amer Ins Co L 0 0 152 -2,52868349 WI 0

NR NR 0.000.000.00Old Republic Life Ins Co L 0 26 2,359 11,28467261 IL 0

NR 20.20 20.0020.0619.92Omaha Hlth Ins Co L 302 487 673 96588080 NE 0

NR NR 0.000.00NROxford Life Ins Co L 0 0 22 29076112 AZ 0

NR NR 16.06NRNRPavonia Life Ins Co Of DE L 0 0 0 114,19989007 DE 0

NR NR -27.91NRNRProvident Life & Accident Ins Co L 0 0 0 5,92268195 TN 0

NR NR -0.110.000.00Prudential Ins Co Of Amer L 0 6 237 91668241 NJ 0

NR NR -745.27-0.01NRResource Life Ins Co L 0 0 96 -2,04261506 IL 0

NR NR 0.000.06NRServco Life Ins Co L 0 0 7,201 73,27999465 TX 0






TypeCOCODE 2018 20182017 20172016 20162015 20152014 2014

NR NR 25.4425.6726.40Service Life & Cas Ins Co L 0 15,951 151,436 781,01877151 TX 0

NR NR NRNRNRShelterpoint Ins Co L 0 0 0 089958 FL 0

NR 0.00 0.000.000.00Southern Pioneer Life Ins Co L 1,350,136 2,314,088 1,927,082 2,218,61874365 AR 0

NR -93.75 -65.69-67.63-72.46State Farm Life & Accident Asr Co L 16 69 139 20469094 IL 0

NR -105.88 -63.97-59.92-64.23State Farm Life Ins Co L 17 137 484 1,56869108 IL 0

NR NR -27.30NRNRStonebridge Life Ins Co L 0 0 0 859,31765021 VT 0

NR NR 0.000.000.00Time Ins Co II L 0 34 1,361 1,07669477 PR 0

NR NR NRNR-14.19Transamerica Cas Ins Co P 0 10,002,622 0 010952 IA 0

NR NR NRNRNRTRIPLE S BLUE L 0 0 0 061158 PR 0

NR NR 0.000.00NRUnion Fidelity Life Ins Co L 0 0 591 6,38462596 KS 0

NR 0.00 0.000.000.00United Fidelity Life Ins Co L 59 368 689 1,84587645 TX 0

NR NR 0.00NRNRUnited Life Ins Co L 0 0 0 19169973 IA 0

NR NR -1.03NRNRUniversal Underwriters Life Ins Co L 0 0 0 -2,42870173 KS 0

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

NR NR 0.000.000.00Versant Life Ins Co L 0 948,502 703,022 256,78193650 MS 0

NR NR 0.00NRNRWateree Life Ins L 0 0 0 1,685,54492053 SC 0

124 Companies - COUNTRYWIDE 708,596,573 760,825,533 766,242,213 761,707,896 -7.01 -7.57 -4.57-5.77-7.37685,785,363



CREDIT LIFE

EARNED PREMIUMS





CREDIT LIFEBY STATE

Business Written in the State of

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

2018 20182017 20172016 20162015 20152014 2014

Alabama 25 25 28 18,262,254 18,329,181 17,378,276 17,039,55918,683,8972319Alaska 10 10 13 399,346 520,917 605,754 709,626275,883107American Samoa 1 1 1 545 5,062 17,310 36,27401Arizona 21 22 26 4,110,319 4,473,947 4,729,800 4,738,8464,287,9312218Arkansas 22 25 27 5,269,863 5,926,946 8,166,375 7,540,1575,386,4752118California 17 15 18 8,492,169 9,535,228 10,279,790 11,369,6397,423,3901614Colorado 23 23 26 3,722,197 4,146,045 4,415,025 4,541,0713,345,8542018Connecticut 16 18 19 4,013,325 4,300,359 4,316,301 4,104,6443,370,6011512Delaware 16 16 19 994,680 1,205,307 1,313,367 1,502,472839,2121513District Of Columbia 9 8 9 639,376 691,815 657,763 694,325570,13787Florida 24 25 27 33,297,574 35,974,092 34,324,985 35,199,85032,544,2682017Georgia 30 28 31 24,864,135 25,770,651 26,189,533 26,885,23725,941,8522624Guam 7 7 7 3,500,958 3,700,613 3,464,732 3,120,8033,366,45667Hawaii 10 11 14 2,995,936 3,140,544 3,392,882 3,252,7033,075,564109Idaho 21 22 24 4,949,271 5,112,952 4,820,490 4,617,4354,963,5971917Illinois 28 29 32 19,843,154 20,949,058 21,799,829 22,413,73719,093,1942725Indiana 26 27 30 12,825,174 13,008,708 12,756,396 12,684,45712,985,4222321Iowa 23 22 24 8,518,556 9,203,373 9,788,855 10,392,7768,057,0092120Kansas 26 27 29 10,145,744 10,764,287 10,540,023 10,426,8799,631,4622420Kentucky 19 20 24 17,582,345 18,443,954 18,308,476 18,438,78217,504,1481716Louisiana 25 29 32 33,120,635 34,409,974 34,850,114 34,239,95933,468,8572520Maine 16 15 15 2,620,902 3,079,970 3,170,634 3,211,8052,296,6561613Maryland 21 22 23 6,479,981 6,821,959 7,221,047 7,747,8946,125,4471816Massachusetts 18 16 20 2,007,460 2,405,950 2,564,758 2,878,1571,711,2491515Michigan 26 25 29 28,943,915 29,333,850 29,875,106 28,989,36127,396,8882423Minnesota 18 17 21 5,901,360 6,535,634 6,808,361 7,429,0015,708,8161717Mississippi 26 27 30 22,933,299 23,872,494 23,126,378 21,963,02223,577,6812418Missouri 33 32 33 16,197,093 18,040,476 18,688,460 18,856,40815,443,1203226Montana 16 17 19 1,465,730 1,713,862 1,944,507 2,311,6181,317,9601511Nebraska 21 20 21 3,265,572 3,850,515 4,427,866 4,823,0982,593,4612017Nevada 17 18 22 815,880 986,023 1,066,374 1,224,668765,4051613New Hampshire 13 14 17 4,680,145 4,875,500 4,834,590 5,067,4554,287,5901412New Jersey 18 16 18 3,529,526 4,267,728 4,715,953 5,136,7203,072,7841613New Mexico 27 25 27 6,042,229 6,967,033 7,309,848 7,467,5835,431,4242320New York 13 11 12 24,976,513 26,423,373 26,765,623 25,725,82623,299,0551210North Carolina 25 25 26 25,123,910 26,545,255 26,614,202 27,502,69526,845,1132218North Dakota 16 16 19 3,945,035 4,273,180 4,604,711 4,711,6763,672,8511514Northern Mariana Islands 3 3 3 262,236 230,319 259,719 259,200311,76244Ohio 27 27 29 17,634,689 20,423,881 21,836,142 22,422,23916,054,3062522



CREDIT LIFEBY STATE


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

2018 20182017 20172016 20162015 20152014 2014

Oklahoma 25 27 30 9,682,129 11,882,603 12,263,399 14,690,17610,840,0882319Oregon 21 22 24 3,704,425 4,226,802 4,590,539 5,140,5403,601,5442019Pennsylvania 27 25 26 21,228,905 24,303,570 27,786,946 30,976,71618,857,4792422Puerto Rico 7 7 8 30,518,283 31,589,879 36,818,906 35,607,99030,370,17777Rhode Island 12 12 17 333,001 413,366 469,970 554,401259,508107South Carolina 25 23 26 21,807,282 22,064,419 22,188,711 23,989,54221,996,9122017South Dakota 17 17 19 2,717,090 3,031,780 3,279,377 3,459,2372,382,7151715Tennessee 32 31 34 28,516,764 28,968,461 28,942,919 29,071,53629,390,2152823Texas 34 34 41 100,117,338 109,659,912 108,891,093 101,624,38696,338,8992824US Virgin Islands 6 6 6 483,981 1,753,132 1,770,163 1,976,690417,96743Utah 22 20 22 6,305,965 8,188,324 7,733,667 6,994,7945,830,5371918Vermont 11 12 13 1,012,085 1,085,082 1,225,816 1,405,3111,022,0221210Virginia 26 23 24 15,624,385 16,955,472 16,550,356 16,607,77413,797,5652220Washington 21 21 23 2,898,190 3,547,157 3,958,162 4,472,5692,524,7571813West Virginia 21 22 23 5,012,202 5,441,012 5,742,775 6,115,0914,878,8982120Wisconsin 24 24 27 9,425,691 10,132,086 10,487,336 11,026,5069,460,6922221Wyoming 13 14 16 1,164,501 1,269,647 1,361,694 1,521,4251,018,4181311

Total 654,925,249 704,772,715 722,012,185 726,912,343637,715,168873 1,005 1,097 1,096 1,223



CREDIT LIFEBY STATE


_________________ Earned Premiums $ at Prima Facie Rates _______________

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

2018 2017 2016 2015 2014 2018 2017 2016 2015 2014

-9.20 -8.75 -8.67 -9.83 -9.37Alabama 20,014,030 20,068,782 19,271,976 18,801,77220,577,403

-0.87 -0.86 -0.96 -1.47 -2.87Alaska 402,823 525,991 614,783 730,568278,291

NR 0.00 -14.94 0.00 0.00American Samoa 545 5,951 17,310 36,2740

6.32 9.91 6.57 5.37 5.70Arizona 3,739,667 4,198,079 4,488,747 4,483,0984,032,963

-4.60 -7.48 -5.36 -4.19 -4.71Arkansas 5,696,178 6,262,405 8,523,714 7,913,1135,646,077

-19.97 -21.17 -19.82 -19.81 -19.44California 10,773,388 11,892,032 12,819,615 14,112,4509,276,224

-7.63 -4.76 -3.12 -5.08 -3.38Colorado 3,908,041 4,279,659 4,651,259 4,699,9883,622,294

-11.58 -11.75 -11.75 -2.91 -3.81Connecticut 4,547,669 4,872,990 4,445,475 4,267,3473,811,854

-4.56 -3.95 -5.10 -7.44 -9.12Delaware 1,035,596 1,270,067 1,418,939 1,653,230879,347

-12.76 -12.60 -10.18 -7.40 -7.42District Of Columbia 731,538 770,243 710,348 749,974653,496

-9.11 -9.73 -9.00 -9.00 -8.54Florida 36,886,483 39,533,234 37,720,099 38,488,26035,806,985

-0.40 -0.95 -0.61 -1.54 -1.78Georgia 25,102,693 25,927,969 26,599,288 27,372,91826,045,851

0.00 0.00 -0.02 -0.11 -0.08Guam 3,500,958 3,701,225 3,468,598 3,123,3363,366,455

-18.33 -1.50 -1.37 0.22 -1.21Hawaii 3,041,528 3,184,193 3,385,297 3,292,4223,765,986

-16.46 -14.94 -15.09 -6.79 -3.49Idaho 5,818,488 6,021,952 5,171,787 4,784,5595,941,551

2.13 -1.67 -2.55 1.30 -2.14Illinois 20,179,751 21,497,929 21,520,089 22,905,00718,695,105

3.12 0.18 -4.42 -4.77 -8.74Indiana 12,801,571 13,610,325 13,395,158 13,898,98212,592,629

3.43 -0.61 -0.16 -0.32 -0.17Iowa 8,570,980 9,218,492 9,820,696 10,410,2247,789,896

-29.08 -27.94 -26.33 -25.64 -23.88Kansas 14,080,016 14,610,665 14,174,517 13,697,33713,580,848

-10.80 -11.71 -12.34 -11.43 -4.36Kentucky 19,914,905 21,040,937 20,671,959 19,280,00219,623,157

-25.71 -26.26 -25.13 -24.06 -16.59Louisiana 44,916,303 45,956,619 45,889,736 41,052,64345,048,892

-4.91 -7.41 -4.03 -6.77 -6.13Maine 2,830,724 3,209,220 3,400,932 3,421,5572,415,253

-38.65 -45.25 -40.43 -35.02 -29.41Maryland 11,835,834 11,451,887 11,112,372 10,975,9609,984,950

-12.61 -12.04 -10.54 -4.43 -6.96Massachusetts 2,282,272 2,689,406 2,683,727 3,093,4451,958,270

-16.56 -8.21 -8.09 -8.03 -5.72Michigan 31,531,092 31,916,640 32,483,840 30,746,97532,833,675

4.44 -0.01 3.03 1.44 0.28Minnesota 5,902,091 6,343,661 6,711,893 7,408,1925,465,914

-14.94 -14.70 -13.68 -13.07 -13.16Mississippi 26,886,632 27,654,367 26,602,097 25,292,80827,717,700

15.14 9.28 7.82 7.08 6.34Missouri 14,821,660 16,731,419 17,452,248 17,731,42113,412,454

-1.53 -2.23 -0.79 -1.66 -0.85Montana 1,499,120 1,727,431 1,977,325 2,331,3751,338,430

1.27 2.45 4.28 0.18 -0.31Nebraska 3,187,598 3,692,428 4,419,866 4,837,8552,560,885

-2.78 -1.42 3.27 0.39 1.78Nevada 827,622 954,785 1,062,240 1,203,201787,283

-47.26 -47.18 -46.57 -28.42 -35.27New Hampshire 8,861,005 9,125,011 6,753,869 7,828,4988,129,249

-0.05 -4.34 0.63 0.93 -3.40New Jersey 3,689,530 4,241,200 4,672,278 5,317,3993,074,245

10.58 11.60 3.78 0.41 4.35New Mexico 5,413,987 6,713,418 7,279,907 7,156,1394,911,626

-23.17 -24.83 -27.84 -15.85 -17.79New York 33,226,659 36,617,845 31,805,555 31,290,98930,324,315

-1.77 -3.05 -7.28 -6.03 -4.90North Carolina 25,913,957 28,628,861 28,321,834 28,920,71527,329,691

-1.19 -3.34 -1.86 -1.67 -1.75North Dakota 4,081,407 4,354,058 4,683,066 4,795,4413,717,183

0.00 0.00 0.00 -0.72 -0.76Northern Mariana Islands 262,236 230,318 261,594 261,181311,762

-8.69 -3.06 -11.29 -11.12 -6.31Ohio 18,191,228 23,022,602 24,568,162 23,931,20217,581,713



CREDIT LIFEBY STATE


_________________ Earned Premiums $ at Prima Facie Rates _______________

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

2018 2017 2016 2015 2014 2018 2017 2016 2015 2014

-0.32 -0.89 -0.71 -0.50 -0.81Oklahoma 9,768,954 11,967,977 12,325,298 14,809,42910,875,397

-6.73 -6.16 -1.01 -0.53 -0.08Oregon 3,947,784 4,269,830 4,614,898 5,144,5263,861,269

-0.32 -0.78 -0.35 2.02 0.31Pennsylvania 21,394,756 24,389,549 27,236,586 30,882,46218,917,256

-11.69 -17.78 -17.28 -20.30 -16.44Puerto Rico 37,118,237 38,187,734 46,197,038 42,614,91334,390,038

-37.28 -35.91 -31.87 15.69 -4.74Rhode Island 519,613 606,733 406,218 581,977413,724

-3.61 -1.23 -1.68 -1.62 -3.56South Carolina 22,078,500 22,440,741 22,554,115 24,875,65622,821,082

-8.54 -7.51 -6.23 -5.16 -5.27South Dakota 2,937,715 3,233,139 3,457,843 3,651,5742,605,143

-11.02 -12.95 -12.68 -4.40 0.01Tennessee 32,757,214 33,176,354 30,274,867 29,069,59233,029,022

15.88 16.36 17.00 16.09 16.10Texas 86,037,489 93,729,461 93,795,005 87,529,02983,133,736

1.97 -0.63 0.00 1.64 0.06US Virgin Islands 487,061 1,753,131 1,741,616 1,975,602409,884

-31.46 -29.20 -23.24 -17.66 -3.06Utah 8,906,520 10,667,560 9,391,885 7,215,5848,507,143

-3.03 -17.71 -7.29 -6.25 -6.91Vermont 1,229,850 1,170,359 1,307,561 1,509,6241,054,008

2.37 1.38 1.16 3.16 1.04Virginia 15,411,399 16,761,123 16,043,785 16,436,36413,478,227

3.49 5.73 7.76 1.97 1.44Washington 2,741,250 3,291,682 3,881,629 4,409,0302,439,565

-0.46 -2.33 -0.92 0.26 0.30West Virginia 5,131,808 5,491,589 5,727,766 6,096,6774,901,456

4.83 -6.13 -4.93 -3.58 -0.38Wisconsin 10,041,405 10,657,964 10,876,899 11,069,1179,025,033

-1.46 -1.25 -0.52 -1.11 -1.13Wyoming 1,179,211 1,276,309 1,377,012 1,538,8831,033,479

-4.57-5.77-7.37-7.57-7.01761,707,896766,242,213760,825,533708,596,573Total 685,785,363


CREDIT LIFE

NET WRITTEN PREMIUMS




2018 CREDIT EXPERIENCE REPORTNet Written Premiums


Net Written Premiums $

COCODE COMPANY NAME DOM

BusinessType 2018 2017 2016 2015 2014

62626 CMFG Life Ins Co IA L 204,663,187 202,481,393 195,648,375 187,059,277199,523,557

60518 American Hlth & Life Ins Co TX L 81,620,426 39,345,216 54,817,727 58,196,083131,821,585

66168 Minnesota Life Ins Co MN L 62,229,222 54,716,180 51,328,108 46,972,31661,497,882

97691 Life Of The South Ins Co GA L 44,766,373 46,829,269 48,293,036 37,220,99251,331,333

61751 Central States H & L Co Of Omaha NE L 41,950,812 56,669,058 69,367,016 74,060,16832,632,572

60739 American Natl Ins Co TX L 27,145,014 26,533,275 26,600,025 26,287,53225,206,629

97152 Plateau Ins Co TN L 23,226,710 24,545,380 23,952,849 19,048,13119,395,203

73156 Caribbean Amer Life Assur Co PR L 11,681,661 14,058,561 15,614,319 16,068,91314,236,805

79715 Cooperativa De Seguros De Vida PR L 9,703,274 10,626,772 10,466,591 10,800,49412,799,875

61298 Bankers Life Of LA LA L 12,043,582 11,772,182 12,598,898 11,503,23111,708,206

98736 American Federated Life Ins Co MS L 7,428,886 7,901,294 7,973,063 7,052,8308,985,078

67628 Pekin Life Ins Co IL L 8,924,065 10,472,547 10,399,060 9,789,3628,457,756

99538 SWBC Life Ins Co TX L 6,015,328 5,023,818 1,334,175 982,5436,477,698

60275 American Bankers Life Assur Co Of FL FL L 11,070,034 16,562,425 20,001,821 33,744,6336,295,527

68136 Protective Life Ins Co TN L 8,073,688 11,390,448 13,457,962 15,707,3356,214,273

93742 Securian Life Ins Co MN L 3,254,900 2,437,013 2,019,028 3,035,4045,684,351

60242 Southern Financial Life Ins Co KY L 4,012,229 3,869,557 3,689,664 3,252,2344,352,378

70548 Wichita Natl Life Ins Co OK L 3,336,475 3,131,345 3,239,347 3,601,3793,335,445

60041 UNIVERSAL LIFE INS CO PR L 2,444,612 2,155,238 2,652,138 5,795,0463,225,036

64904 Investors Heritage Life Ins Co KY L 3,521,445 3,821,755 3,546,803 3,421,2583,098,657

76007 Old United Life Ins Co AZ L 3,568,599 4,685,369 4,113,001 5,686,3752,964,076

80020 Mountain Life Ins Co TN L 1,797,515 2,071,433 2,254,247 2,084,7212,640,700

77054 MAPFRE Life Ins Co of PR PR L 2,845,735 4,460,091 7,572,149 3,821,9732,540,700

93777 Pavonia Life Ins Co of MI MI L 3,898,207 9,531,061 16,526,162 23,183,7842,273,065

77976 Gulf Guar Life Ins Co MS L 1,888,513 2,047,160 2,507,543 2,501,2412,089,037

77690 Trans City Life Ins Co AZ L 1,654,496 1,477,501 1,653,846 1,842,1211,860,578

60836 American Republic Ins Co IA L 1,702,973 2,140,454 2,255,193 2,700,2151,681,269

85677 Life Assur Co Inc OK L 1,125,927 1,232,238 1,535,390 1,686,8641,025,756

60488 American Gen Life Ins Co TX L 1,520,374 2,000,355 -49,586 4,229,305904,531

65480 Old Spartan Life Ins Co Inc SC L 910,676 1,004,846 1,118,475 1,200,353901,916

63126 American Nat Life Ins Co of NY NY L 0 0 0 0851,405

83992 Foundation Life Ins Co Of AR AR L 0 0 500,612 0722,359

60244 Kentucky Home Life Ins Co KY L 839,154 1,099,439 1,191,061 974,610697,592

86118 Arkansas Bankers Life Ins Co AR L 658,994 816,813 942,095 915,315668,456

66281 Transamerica Premier Life Ins Co IA L 445,261 3,475,158 10,535,600 7,962,700586,315

70688 Transamerica Financial Life Ins Co NY L 686,688 2,578,289 4,366,614 4,090,050518,262

71463 CICA Life Ins Co of Amer CO L 407,550 399,633 443,013 431,514348,552

74233 First Natl Life Ins Co Of USA NE L 365,591 470,484 711,952 675,298322,475






BusinessType 2018 2017 2016 2015 2014

72087 Multinational Life Ins Co PR L 355,829 705,883 1,678,570 1,915,894314,992

79340 Pavonia Life Ins Co NY NY L 197,959 1,493,836 1,704,082 1,478,107279,016

74470 Rush Life Ins Co LA L 0 319,842 342,855 392,482269,115

62650 Delta Life Ins Co GA L 235,254 241,072 245,862 258,229221,188

70106 United States Life Ins Co in the Cit NY L 222,017 322,906 402,723 530,504184,367

75094 Life Ins Co Of LA LA L 175,473 153,327 291,481 285,339151,351

60246 Netcare Life & Hlth Ins Co GU L 62,243 72,976 61,721 32,896147,174

81477 Union Security Life Ins Co of NY NY L 391,335 511,272 554,183 599,959130,443

15940 Assurity Life Ins Co of NY NY L 116,992 10,162 0 0103,127

73989 Mililani Life Ins Co Ltd HI L 0 0 99,763 101,59274,346

88536 Protective Life & Annuity Ins Co AL L 82,592 154,511 186,949 262,94656,360

93521 General Fidelity Life Ins Co SC L 65,200 97,336 141,609 201,58627,295

62383 Centurion Life Ins Co IA L 85,366 123,752 195,953 317,04125,050

98868 Sheridan Life Ins Co OK L 24,331 15,620 4,568 3,83919,995

60534 American Heritage Life Ins Co FL L 69,223 169,758 191,129 47,23918,357

62553 Country Life Ins Co IL L 7,230 7,922 8,748 9,4976,609

93815 Pacific Century Life Ins Corp AZ L 3,951 1,072 0 62,8555,000

70435 The Savings Bank Mut Life Ins Co of MA L 6,782 6,843 8,641 11,9052,345

71870 Fidelity Security Life Ins Co MO L 12,531 19,263 23,077 35,3012,319

71480 Great Western Ins Co UT L 2,030 3,933 8,098 6,971881

62928 EMC Natl Life Co IA L 694 1,106 1,156 989803

61492 Athene Annuity & Life Assur Co DE L 858 1,892 2,125 2,649599

69663 USAA Life Ins Co TX L 44 56 70 1287

60054 Aetna Life Ins Co CT L 0 0 0 00

79049 Alfa Life Ins Corp AL L 0 0 -1,016 -7500

60186 Allstate Life Ins Co IL L 0 0 0 00

65811 American Modern Life Ins Co OH L 1,324,039 5,101,582 7,496,868 9,094,2030

13762 American Natl Lif Ins Co of NY NY L 884,641 300,312 0 00

92649 American Underwriters Life Ins Co AZ L 0 2,083 1,678 29,2780

68160 Balboa Life Ins Co CA L 0 0 0 00

61212 Baltimore Life Ins Co MD L 0 0 0 00

61476 Boston Mut Life Ins Co MA L 2 161 218 2600

94447 Century Life Ass Co OK L 0 -2,341 -147 9,1270

61824 Cherokee Natl Life Ins Co GA L 0 0 0 00

88374 Commonwealth Dealers Life Ins Co VA L 0 0 0 -240

85090 Dearborn Natl Life Ins Co of NY NY L 0 0 0 00

89087 Enterprise Life Ins Co TX L 0 0 -21 -4,0090

75612 Gulf States Life Ins Co LA L 0 0 -244 -3,1270






BusinessType 2018 2017 2016 2015 2014

65838 John Hancock Life Ins Co USA MI L 0 0 0 2370

71323 Langhorne Reins AZ Ltd AZ L 683,327 928,806 933,268 1,019,9630

76503 Lasso Hlthcare Ins Co TX L 0 0 0 00

65560 Life Protection Ins Co TX L 0 -411 -5,456 29,4680

99724 LifeShield Natl Ins Co OK L 0 10 8 220

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

97055 Mega Life & Hlth Ins Co The OK L 0 0 0 00

65978 Metropolitan Life Ins Co NY L 0 0 0 00

66087 Mid West Natl Life Ins Co Of TN TX L 0 0 -115 -3190

61409 National Benefit Life Ins Co NY L -34 -3,674 75,068 194,9840

68349 North Amer Ins Co WI L 0 0 0 -4,4770

67261 Old Republic Life Ins Co IL L 0 0 -44 -1030

88080 Omaha Hlth Ins Co NE L 0 0 0 00

76112 Oxford Life Ins Co AZ L 0 0 0 -550

71099 Parker Centennial Assur Co WI L 0 0 0 00

89007 Pavonia Life Ins Co Of DE DE L 0 0 0 132,5360

68195 Provident Life & Accident Ins Co TN L 0 0 0 4,2690

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

71390 Puritan Life Ins Co of Amer TX L 5,305 0 0 00

61506 Resource Life Ins Co IL L 0 0 16 -29,1820

99465 Servco Life Ins Co TX L 0 0 -752 -19,8000

77151 Service Life & Cas Ins Co TX L 0 -2,005 -3,139 -103,9880

65757 Shelter Life Ins Co MO L -142 -617 -3,785 -9,6760

89958 Shelterpoint Ins Co FL L 0 0 0 00

74365 Southern Pioneer Life Ins Co AR L 1,828,012 1,670,106 1,932,437 1,926,3070

91448 Southwest Credit Life Inc NM L -9 -1,175 -4,481 -17,6180

69094 State Farm Life & Accident Asr Co IL L 0 0 0 00

69108 State Farm Life Ins Co IL L -1 -1 -42 -2780

65021 Stonebridge Life Ins Co VT L 0 0 0 624,7020

69477 Time Ins Co II PR L 0 12 1,260 1,1990

69523 Trans Oceanic Life Ins Co PR L 0 0 0 -2210

10952 Transamerica Cas Ins Co IA P 0 8,583,308 0 00

61158 TRIPLE S BLUE PR L 0 0 0 00

62596 Union Fidelity Life Ins Co KS L 0 0 0 -360

87645 United Fidelity Life Ins Co TX L 0 -30 0 -1570

69973 United Life Ins Co IA L 0 0 0 00

70173 Universal Underwriters Life Ins Co KS L 0 0 0 -2,4590

62235 Unum Life Ins Co Of Amer ME L 0 8,234 9,144 00






BusinessType 2018 2017 2016 2015 2014

93650 Versant Life Ins Co MS L 0 987,770 772,925 631,6430

92053 Wateree Life Ins SC L 0 0 0 1,241,8340

68632 Vantis Life Ins Co CT L -20 -61 62 -277-101

60895 American United Life Ins Co IN L 2,999 16,397 52,733 86,745-204

92274 Landcar Life Ins Co UT L -3,852 -17,844 -64,215 -186,423-237

71455 Financial Amer Life Ins Co KS L -61,103 -276,929 -853,006 -2,082,764-11,862

86231 Transamerica Life Ins Co IA L 547,055 9,482,208 22,618,537 25,342,378-65,576

64211 Guarantee Trust Life Ins Co IL L -35,162 266,922 1,285,128 1,775,506-76,714

81779 Individual Assur Co Life Hlth & Acc OK L -142,909 1,308,096 2,221,349 4,865,088-206,622

65951 Merit Life Ins Co TX L 18,911,509 45,272,926 53,699,045 50,070,702-6,004,362

COMPANIES - COUNTRYWIDE 627,489,767 671,891,236 731,494,015 738,758,257635,551,951124




Net Written Premiums % Change

% of Total Net Written Premiums (Market Share)

COCODE COMPANY NAME DOMBusiness

Type 2018 20182017 20172016 20162015 20152014 2014

-2.51 1.08 3.49 4.59 5.43 31.39 32.62 30.14 26.75 25.3262626 CMFG Life Ins Co IA L

61.51 107.45 -28.23 -5.81 1.05 20.74 13.01 5.86 7.49 7.8860518 American Hlth & Life Ins Co TX L

-1.18 13.73 6.60 9.27 8.71 9.68 9.92 8.14 7.02 6.3666168 Minnesota Life Ins Co MN L

14.66 -4.41 -3.03 29.75 32.96 8.08 7.13 6.97 6.60 5.0497691 Life Of The South Ins Co GA L

-22.21 -25.97 -18.31 -6.34 3.22 5.13 6.69 8.43 9.48 10.0261751 Central States H & L Co Of Omaha NE L

-7.14 2.31 -0.25 1.19 -4.13 3.97 4.33 3.95 3.64 3.5660739 American Natl Ins Co TX L

-16.50 -5.37 2.47 25.75 25.20 3.05 3.70 3.65 3.27 2.5897152 Plateau Ins Co TN L

21.87 -16.91 -9.96 -2.83 4.75 2.24 1.86 2.09 2.13 2.1873156 Caribbean Amer Life Assur Co PR L

31.91 -8.69 1.53 -3.09 6.53 2.01 1.55 1.58 1.43 1.4679715 Cooperativa De Seguros De Vida PR L

-2.78 2.31 -6.56 9.52 9.50 1.84 1.92 1.75 1.72 1.5661298 Bankers Life Of LA LA L

20.95 -5.98 -0.90 13.05 6.39 1.41 1.18 1.18 1.09 0.9598736 American Federated Life Ins Co MS L

-5.23 -14.79 0.71 6.23 0.62 1.33 1.42 1.56 1.42 1.3367628 Pekin Life Ins Co IL L

7.69 19.74 276.55 35.79 48.02 1.02 0.96 0.75 0.18 0.1399538 SWBC Life Ins Co TX L

-43.13 -33.16 -17.20 -40.73 -33.23 0.99 1.76 2.47 2.73 4.5760275 American Bankers Life Assur Co Of FL FL L

-23.03 -29.12 -15.36 -14.32 -13.24 0.98 1.29 1.70 1.84 2.1368136 Protective Life Ins Co TN L

74.64 33.56 20.70 -33.48 22.81 0.89 0.52 0.36 0.28 0.4193742 Securian Life Ins Co MN L

8.48 3.69 4.88 13.45 -10.40 0.68 0.64 0.58 0.50 0.4460242 Southern Financial Life Ins Co KY L

-0.03 6.55 -3.33 -10.05 -14.53 0.52 0.53 0.47 0.44 0.4970548 Wichita Natl Life Ins Co OK L

31.92 13.43 -18.74 -54.23 -30.31 0.51 0.39 0.32 0.36 0.7860041 UNIVERSAL LIFE INS CO PR L

-12.01 -7.86 7.75 3.67 -1.90 0.49 0.56 0.57 0.48 0.4664904 Investors Heritage Life Ins Co KY L

-16.94 -23.84 13.92 -27.67 1.22 0.47 0.57 0.70 0.56 0.7776007 Old United Life Ins Co AZ L

46.91 -13.22 -8.11 8.13 -11.12 0.42 0.29 0.31 0.31 0.2880020 Mountain Life Ins Co TN L

-10.72 -36.20 -41.10 98.12 38.28 0.40 0.45 0.66 1.04 0.5277054 MAPFRE Life Ins Co of PR PR L

-41.69 -59.10 -42.33 -28.72 -17.92 0.36 0.62 1.42 2.26 3.1493777 Pavonia Life Ins Co of MI MI L

10.62 -7.75 -18.36 0.25 -10.67 0.33 0.30 0.30 0.34 0.3477976 Gulf Guar Life Ins Co MS L

12.46 11.98 -10.66 -10.22 0.69 0.29 0.26 0.22 0.23 0.2577690 Trans City Life Ins Co AZ L

-1.27 -20.44 -5.09 -16.48 -21.68 0.26 0.27 0.32 0.31 0.3760836 American Republic Ins Co IA L

-8.90 -8.63 -19.74 -8.98 -4.59 0.16 0.18 0.18 0.21 0.2385677 Life Assur Co Inc OK L

-40.51 -23.99 4,134.11 -101.17 -5.07 0.14 0.24 0.30 -0.01 0.5760488 American Gen Life Ins Co TX L

-0.96 -9.37 -10.16 -6.82 -22.16 0.14 0.15 0.15 0.15 0.1665480 Old Spartan Life Ins Co Inc SC L

NR NR NR NR NR 0.13 0.00 0.00 0.00 0.0063126 American Nat Life Ins Co of NY NY L

NR NR -100.00 NR -100.00 0.11 0.00 0.00 0.07 0.0083992 Foundation Life Ins Co Of AR AR L

-16.87 -23.67 -7.69 22.21 1.48 0.11 0.13 0.16 0.16 0.1360244 Kentucky Home Life Ins Co KY L

1.44 -19.32 -13.30 2.93 NR 0.11 0.11 0.12 0.13 0.1286118 Arkansas Bankers Life Ins Co AR L

31.68 -87.19 -67.02 32.31 -11.94 0.09 0.07 0.52 1.44 1.0866281 Transamerica Premier Life Ins Co IA L

-24.53 -73.37 -40.95 6.76 -10.37 0.08 0.11 0.38 0.60 0.5570688 Transamerica Financial Life Ins Co NY L







Type 2018 20182017 20172016 20162015 20152014 2014

-14.48 1.98 -9.79 2.66 13.26 0.05 0.06 0.06 0.06 0.0671463 CICA Life Ins Co of Amer CO L

-11.79 -22.29 -33.92 5.43 -8.10 0.05 0.06 0.07 0.10 0.0974233 First Natl Life Ins Co Of USA NE L

-11.48 -49.59 -57.95 -12.39 -11.31 0.05 0.06 0.11 0.23 0.2672087 Multinational Life Ins Co PR L

40.95 -86.75 -12.34 15.29 -14.07 0.04 0.03 0.22 0.23 0.2079340 Pavonia Life Ins Co NY NY L

NR -100.00 -6.71 -12.64 -12.95 0.04 0.00 0.05 0.05 0.0574470 Rush Life Ins Co LA L

-5.98 -2.41 -1.95 -4.79 3.73 0.03 0.04 0.04 0.03 0.0362650 Delta Life Ins Co GA L

-16.96 -31.24 -19.82 -24.09 -16.11 0.03 0.04 0.05 0.06 0.0770106 United States Life Ins Co in the Cit NY L

-13.75 14.44 -47.40 2.15 -21.88 0.02 0.03 0.02 0.04 0.0475094 Life Ins Co Of LA LA L

136.45 -14.71 18.24 87.62 4.13 0.02 0.01 0.01 0.01 0.0060246 Netcare Life & Hlth Ins Co GU L

-66.67 -23.46 -7.74 -7.63 -22.50 0.02 0.06 0.08 0.08 0.0881477 Union Security Life Ins Co of NY NY L

-11.85 1,051.27 NR NR NR 0.02 0.02 0.00 0.00 0.0015940 Assurity Life Ins Co of NY NY L

NR NR -100.00 -1.80 NR 0.01 0.00 0.00 0.01 0.0173989 Mililani Life Ins Co Ltd HI L

-31.76 -46.55 -17.35 -28.90 -9.68 0.01 0.01 0.02 0.03 0.0488536 Protective Life & Annuity Ins Co AL L

-58.14 -33.02 -31.26 -29.75 -34.05 0.00 0.01 0.01 0.02 0.0393521 General Fidelity Life Ins Co SC L

-70.66 -31.02 -36.85 -38.19 -60.35 0.00 0.01 0.02 0.03 0.0462383 Centurion Life Ins Co IA L

-17.82 55.77 241.94 18.99 -88.86 0.00 0.00 0.00 0.00 0.0098868 Sheridan Life Ins Co OK L

-73.48 -59.22 -11.18 304.60 123.95 0.00 0.01 0.03 0.03 0.0160534 American Heritage Life Ins Co FL L

-8.59 -8.74 -9.44 -7.89 -9.27 0.00 0.00 0.00 0.00 0.0062553 Country Life Ins Co IL L

26.55 268.56 NR -100.00 -64.51 0.00 0.00 0.00 0.00 0.0193815 Pacific Century Life Ins Corp AZ L

-65.42 -0.89 -20.81 -27.42 -25.42 0.00 0.00 0.00 0.00 0.0070435 The Savings Bank Mut Life Ins Co of MA L

-81.49 -34.95 -16.53 -34.63 -18.17 0.00 0.00 0.00 0.00 0.0071870 Fidelity Security Life Ins Co MO L

-56.60 -48.39 -51.43 16.17 -29.98 0.00 0.00 0.00 0.00 0.0071480 Great Western Ins Co UT L

15.71 -37.25 -4.33 16.89 -42.20 0.00 0.00 0.00 0.00 0.0062928 EMC Natl Life Co IA L

-30.19 -54.65 -10.96 -19.78 -25.73 0.00 0.00 0.00 0.00 0.0061492 Athene Annuity & Life Assur Co DE L

-84.09 -21.43 -20.00 -45.31 100.92 0.00 0.00 0.00 0.00 0.0069663 USAA Life Ins Co TX L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0060054 Aetna Life Ins Co CT L

NR 100.00 99.96 -35.52 73.34 0.00 0.00 0.00 0.00 0.0079049 Alfa Life Ins Corp AL L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0060186 Allstate Life Ins Co IL L

-100.00 -74.05 -31.95 -17.56 -2.69 0.00 0.21 0.76 1.02 1.2365811 American Modern Life Ins Co OH L

-100.00 194.57 NR NR NR 0.00 0.14 0.04 0.00 0.0013762 American Natl Lif Ins Co of NY NY L

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

NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.0068160 Balboa Life Ins Co CA L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0061212 Baltimore Life Ins Co MD L

-100.00 -98.76 -26.15 -16.15 -21.69 0.00 0.00 0.00 0.00 0.0061476 Boston Mut Life Ins Co MA L

NR 100.00 -1,492.52 -101.61 -79.81 0.00 0.00 0.00 0.00 0.0094447 Century Life Ass Co OK L

NR NR NR NR -100.00 0.00 0.00 0.00 0.00 0.0061824 Cherokee Natl Life Ins Co GA L







Type 2018 20182017 20172016 20162015 20152014 2014

NR NR NR 100.00 89.83 0.00 0.00 0.00 0.00 0.0088374 Commonwealth Dealers Life Ins Co VA L

NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.0085090 Dearborn Natl Life Ins Co of NY NY L

NR NR 100.00 99.48 91.96 0.00 0.00 0.00 0.00 0.0089087 Enterprise Life Ins Co TX L

NR NR 100.00 92.19 88.36 0.00 0.00 0.00 0.00 0.0075612 Gulf States Life Ins Co LA L

NR NR NR -100.00 -67.13 0.00 0.00 0.00 0.00 0.0065838 John Hancock Life Ins Co USA MI L

-100.00 -26.43 -0.48 -8.50 0.10 0.00 0.11 0.14 0.13 0.1471323 Langhorne Reins AZ Ltd AZ L

NR NR NR NR -100.00 0.00 0.00 0.00 0.00 0.0076503 Lasso Hlthcare Ins Co TX L

NR 100.00 92.47 -118.51 -76.55 0.00 0.00 0.00 0.00 0.0065560 Life Protection Ins Co TX L

NR -100.00 25.00 -63.64 NR 0.00 0.00 0.00 0.00 0.0099724 LifeShield Natl Ins Co OK L

NR NR NR NR 100.00 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 0.0097055 Mega Life & Hlth Ins Co The OK L

NR NR NR NR -100.00 0.00 0.00 0.00 0.00 0.0065978 Metropolitan Life Ins Co NY L

NR NR 100.00 63.95 -159.35 0.00 0.00 0.00 0.00 0.0066087 Mid West Natl Life Ins Co Of TN TX L

100.00 99.07 -104.89 -61.50 197.80 0.00 0.00 0.00 0.01 0.0361409 National Benefit Life Ins Co NY L

NR NR NR 100.00 58.86 0.00 0.00 0.00 0.00 0.0068349 North Amer Ins Co WI L

NR NR 100.00 57.28 95.71 0.00 0.00 0.00 0.00 0.0067261 Old Republic Life Ins Co IL L

NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.0088080 Omaha Hlth Ins Co NE L

NR NR NR 100.00 98.15 0.00 0.00 0.00 0.00 0.0076112 Oxford Life Ins Co AZ L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0071099 Parker Centennial Assur Co WI L

NR NR NR -100.00 -17.76 0.00 0.00 0.00 0.00 0.0289007 Pavonia Life Ins Co Of DE DE L

NR NR NR -100.00 -35.04 0.00 0.00 0.00 0.00 0.0068195 Provident Life & Accident Ins Co TN L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0068241 Prudential Ins Co Of Amer NJ L

-100.00 NR NR NR NR 0.00 0.00 0.00 0.00 0.0071390 Puritan Life Ins Co of Amer TX L

NR NR -100.00 100.05 -7,672.90 0.00 0.00 0.00 0.00 0.0061506 Resource Life Ins Co IL L

NR NR 100.00 96.20 39.31 0.00 0.00 0.00 0.00 0.0099465 Servco Life Ins Co TX L

NR 100.00 36.13 96.98 17.81 0.00 0.00 0.00 0.00 -0.0177151 Service Life & Cas Ins Co TX L

100.00 76.99 83.70 60.88 -12.21 0.00 0.00 0.00 0.00 0.0065757 Shelter Life Ins Co MO L

NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.0089958 Shelterpoint Ins Co FL L

-100.00 9.45 -13.58 0.32 77.23 0.00 0.29 0.25 0.26 0.2674365 Southern Pioneer Life Ins Co AR L

100.00 99.23 73.78 74.57 -123.75 0.00 0.00 0.00 0.00 0.0091448 Southwest Credit Life Inc NM L

NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.0069094 State Farm Life & Accident Asr Co IL L

100.00 0.00 97.62 84.89 63.23 0.00 0.00 0.00 0.00 0.0069108 State Farm Life Ins Co IL L

NR NR NR -100.00 -14.59 0.00 0.00 0.00 0.00 0.0865021 Stonebridge Life Ins Co VT L

NR -100.00 -99.05 5.09 -38.39 0.00 0.00 0.00 0.00 0.0069477 Time Ins Co II PR L

NR NR NR 100.00 96.98 0.00 0.00 0.00 0.00 0.0069523 Trans Oceanic Life Ins Co PR L

NR -100.00 NR NR NR 0.00 0.00 1.28 0.00 0.0010952 Transamerica Cas Ins Co IA P







Type 2018 20182017 20172016 20162015 20152014 2014

NR NR NR NR -100.00 0.00 0.00 0.00 0.00 0.0061158 TRIPLE S BLUE PR L

NR NR NR 100.00 95.53 0.00 0.00 0.00 0.00 0.0062596 Union Fidelity Life Ins Co KS L

NR 100.00 NR 100.00 86.44 0.00 0.00 0.00 0.00 0.0087645 United Fidelity Life Ins Co TX L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0069973 United Life Ins Co IA L

NR NR NR 100.00 67.28 0.00 0.00 0.00 0.00 0.0070173 Universal Underwriters Life Ins Co KS L

NR -100.00 -9.95 NR NR 0.00 0.00 0.00 0.00 0.0062235 Unum Life Ins Co Of Amer ME L

NR -100.00 27.80 22.37 37.18 0.00 0.00 0.15 0.11 0.0993650 Versant Life Ins Co MS L

NR NR NR -100.00 0.12 0.00 0.00 0.00 0.00 0.1792053 Wateree Life Ins SC L

-405.00 67.21 -198.39 122.38 -302.19 0.00 0.00 0.00 0.00 0.0068632 Vantis Life Ins Co CT L

-106.80 -81.71 -68.91 -39.21 -41.41 0.00 0.00 0.00 0.01 0.0160895 American United Life Ins Co IN L

93.85 78.41 72.21 65.55 -126.88 0.00 0.00 0.00 -0.01 -0.0392274 Landcar Life Ins Co UT L

80.59 77.94 67.53 59.04 -133.62 0.00 -0.01 -0.04 -0.12 -0.2871455 Financial Amer Life Ins Co KS L

-111.99 -94.23 -58.08 -10.75 0.69 -0.01 0.09 1.41 3.09 3.4386231 Transamerica Life Ins Co IA L

-118.17 -113.17 -79.23 -27.62 -43.61 -0.01 -0.01 0.04 0.18 0.2464211 Guarantee Trust Life Ins Co IL L

-44.58 -110.92 -41.11 -54.34 -31.05 -0.03 -0.02 0.19 0.30 0.6681779 Individual Assur Co Life Hlth & Acc OK L

-131.75 -58.23 -15.69 7.25 32.52 -0.94 3.01 6.74 7.34 6.7865951 Merit Life Ins Co TX L

COMPANIES - COUNTRYWIDE 1.28 -6.61 -8.15 -0.98 -0.19 100.00 100.00 100.00 100.00 100.00124


CREDIT LIFE






CREDIT LIFEBY STATE

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

Business Written in theState of 2017 20172016 2015 2014 2013 2016 2015 2014 2013

Alabama 25 25 28 30 18,068,051 18,109,949 17,030,564 17,143,97223 18,569,050

Alaska 10 10 13 14 473,336 585,912 795,436 807,71610 278,961

American Samoa 1 1 1 1 -1,278 -3,676 -9,845 -2,9931 -110

Arizona 21 22 26 29 4,388,762 5,043,584 5,578,045 5,339,77722 4,176,669

Arkansas 22 25 27 31 4,981,408 6,444,043 6,383,330 6,800,68321 4,217,728

California 17 15 18 21 9,219,667 10,992,149 11,922,003 13,152,32116 8,850,876

Colorado 23 23 26 25 4,033,275 4,573,162 4,773,740 4,866,95020 3,600,147

Connecticut 16 18 19 18 4,203,858 4,425,108 4,775,595 4,722,40415 3,453,528

Delaware 16 16 19 23 1,116,419 1,371,973 1,473,694 1,678,25415 954,707

District Of Columbia 9 8 9 9 691,907 655,535 687,122 730,7648 639,807

Florida 24 25 27 30 35,272,797 35,629,977 35,095,845 33,307,14120 32,404,873

Georgia 30 28 31 33 25,094,183 27,433,158 27,856,858 27,174,31926 25,067,783

Guam 7 7 7 7 3,740,037 3,774,931 4,100,728 3,462,6036 3,385,845

Hawaii 10 11 14 16 2,996,155 3,349,518 3,326,871 3,236,0869 3,128,190

Idaho 21 22 24 23 5,015,960 5,083,469 4,925,027 4,659,49819 4,685,901

Illinois 28 29 32 38 20,482,724 21,354,999 22,744,205 22,819,43627 19,443,703

Indiana 26 27 30 34 13,138,470 13,605,485 13,870,252 13,250,23523 14,051,608

Iowa 23 22 24 24 8,288,935 9,515,288 9,813,249 10,854,96821 8,201,363

Kansas 26 27 29 30 10,012,030 10,460,540 10,102,097 9,728,24124 9,012,756

Kentucky 19 20 24 27 18,831,178 18,787,443 17,997,433 18,024,05517 18,727,196

Louisiana 25 29 32 31 32,281,296 35,196,829 34,435,873 34,208,55025 33,581,733

Maine 16 15 15 15 2,934,373 3,134,499 3,133,290 3,330,41216 2,526,949

Maryland 21 22 23 27 7,218,322 8,446,198 8,288,409 8,211,02418 6,174,912

Massachusetts 18 16 20 22 2,242,233 2,351,657 2,458,541 2,757,11215 1,882,987

Michigan 26 25 29 30 28,933,981 29,278,702 28,689,783 29,326,81224 27,131,970

Minnesota 18 17 21 23 6,132,196 6,513,666 6,861,212 7,638,04117 5,681,189

Mississippi 26 27 30 29 22,689,095 24,111,685 23,694,848 22,677,02824 22,033,542

Missouri 33 32 33 37 15,010,075 19,154,297 19,954,562 19,169,34932 13,562,171

Montana 16 17 19 19 1,490,586 1,858,989 1,936,695 2,469,79215 1,356,903

Nebraska 21 20 21 21 3,192,780 4,157,592 4,410,313 5,030,85520 2,567,204

Nevada 17 18 22 23 925,342 911,152 874,084 806,31816 835,642

New Hampshire 13 14 17 18 4,714,307 4,642,363 5,338,045 4,752,76214 4,258,794

New Jersey 18 16 18 20 3,866,910 4,918,835 4,860,347 5,888,98616 3,157,582

New Mexico 27 25 27 29 6,489,557 7,222,864 7,351,240 7,440,39023 5,601,468

New York 13 11 12 15 26,304,293 26,566,242 25,145,860 25,795,72012 25,251,343

North Carolina 25 25 26 28 26,020,232 28,422,305 29,312,574 28,477,89922 25,638,028

North Dakota 16 16 19 19 3,580,070 4,267,953 4,661,779 4,655,71515 3,416,745

Northern Mariana Islands 3 3 3 3 260,078 198,165 308,065 297,9534 372,560

Ohio 27 27 29 31 19,052,406 21,457,333 22,285,652 22,970,90925 15,974,308



CREDIT LIFEBY STATE


Business Written in theState of 2017 20172016 2015 2014 2013 2016 2015 2014 2013

Oklahoma 25 27 30 30 10,279,034 12,211,060 13,317,807 13,768,83023 10,785,172

Oregon 21 22 24 26 4,040,509 4,497,063 5,058,032 5,516,87320 3,751,845

Pennsylvania 27 25 26 32 22,915,102 27,071,636 30,503,429 32,661,94024 20,694,917

Puerto Rico 7 7 8 9 31,539,242 37,443,211 37,818,887 38,024,2797 26,737,295

Rhode Island 12 12 17 17 393,384 427,290 531,261 680,27810 311,419

South Carolina 25 23 26 28 21,172,442 22,889,402 24,073,219 22,851,73620 22,830,790

South Dakota 17 17 19 19 2,565,445 3,109,594 3,077,830 3,412,51717 2,220,126

Tennessee 32 31 34 34 28,923,337 31,915,645 30,646,310 29,694,04428 26,843,352

Texas 34 34 41 40 101,306,737 109,176,815 108,825,967 104,764,51428 88,368,064

US Virgin Islands 6 6 6 6 1,707,995 1,691,704 1,804,415 1,765,2944 306,666

Utah 22 20 22 23 7,706,950 7,266,468 6,308,935 6,501,25019 6,132,873

Vermont 11 12 13 13 926,394 1,074,574 1,235,109 1,244,71612 903,777

Virginia 26 23 24 29 16,292,842 17,753,522 16,669,231 17,384,91122 14,998,394

Washington 21 21 23 26 3,333,027 4,216,118 4,681,190 5,319,99818 3,027,373

West Virginia 21 22 23 24 4,851,355 5,488,351 5,559,510 6,261,17821 5,197,817

Wisconsin 24 24 27 30 9,395,413 9,960,784 10,013,833 11,043,57422 9,533,989

Wyoming 13 14 16 19 1,156,020 1,296,908 1,389,864 1,626,25313 985,336

671,891,236 731,494,015 738,758,257 740,184,243627,485,816Total 1,004 1,097 1,096 1,223 1,308



CREDIT LIFEBY STATE

Net Written Premiums % Change from prior year


Business Written in theState of 2018 20182017 20172016 20162015 20152014 2014

2.30 2.77 -0.23 6.34 -0.66 2.99 2.96 2.69 2.48 2.31Alabama

-42.98 -41.06 -19.21 -26.34 -1.52 0.03 0.04 0.07 0.08 0.11Alaska

100.00 91.39 65.23 62.66 -228.93 0.00 0.00 0.00 0.00 0.00American Samoa

-6.96 -4.83 -12.98 -9.58 4.46 0.61 0.67 0.65 0.69 0.76Arizona

8.78 -15.33 -22.70 0.95 -6.14 0.72 0.67 0.74 0.88 0.86Arkansas

-4.52 -4.00 -16.12 -7.80 -9.35 1.33 1.41 1.37 1.50 1.61California

1.22 -10.74 -11.81 -4.20 -1.92 0.57 0.57 0.60 0.63 0.65Colorado

-35.97 -17.85 -5.00 -7.34 1.13 0.35 0.55 0.63 0.60 0.65Connecticut

-13.99 -14.48 -18.63 -6.90 -12.19 0.13 0.15 0.17 0.19 0.20Delaware

-10.30 -7.53 5.55 -4.60 -5.97 0.09 0.10 0.10 0.09 0.09District Of Columbia

0.67 -8.13 -1.00 1.52 5.37 5.13 5.16 5.25 4.87 4.75Florida

10.58 -0.11 -8.53 -1.52 2.51 4.36 3.99 3.73 3.75 3.77Georgia

-26.89 -9.47 -0.92 -7.94 18.43 0.39 0.54 0.56 0.52 0.56Guam

1.05 4.54 -10.55 0.68 2.81 0.50 0.50 0.45 0.46 0.45Hawaii

1.68 -6.58 -1.33 3.22 5.70 0.75 0.75 0.75 0.69 0.67Idaho

-6.90 -5.07 -4.08 -6.11 -0.33 2.85 3.10 3.05 2.92 3.08Illinois

-3.69 6.95 -3.43 -1.91 4.68 2.13 2.24 1.96 1.86 1.88Indiana

-10.95 -1.06 -12.89 -3.04 -9.60 1.15 1.31 1.23 1.30 1.33Iowa

-1.46 -9.98 -4.29 3.55 3.84 1.40 1.44 1.49 1.43 1.37Kansas

-1.05 -0.55 0.23 4.39 -0.15 2.92 2.98 2.80 2.57 2.44Kentucky

7.51 4.03 -8.28 2.21 0.66 5.68 5.35 4.80 4.81 4.66Louisiana

-11.37 -13.88 -6.38 0.04 -5.92 0.35 0.40 0.44 0.43 0.42Maine

-2.63 -14.46 -14.54 1.90 0.94 0.95 0.98 1.07 1.15 1.12Maryland

-14.68 -16.02 -4.65 -4.35 -10.83 0.25 0.30 0.33 0.32 0.33Massachusetts

1.24 -6.23 -1.18 2.05 -2.17 4.32 4.32 4.31 4.00 3.88Michigan

2.29 -7.35 -5.86 -5.07 -10.17 0.91 0.91 0.91 0.89 0.93Minnesota

15.49 -2.89 -5.90 1.76 4.49 4.00 3.51 3.38 3.30 3.21Mississippi

-1.84 -9.65 -21.64 -4.01 4.10 2.09 2.16 2.23 2.62 2.70Missouri

0.45 -8.97 -19.82 -4.01 -21.58 0.21 0.22 0.22 0.25 0.26Montana

-20.18 -19.59 -23.21 -5.73 -12.33 0.32 0.41 0.48 0.57 0.60Nebraska

32.40 -9.69 1.56 4.24 8.40 0.17 0.13 0.14 0.12 0.12Nevada

-17.38 -9.66 1.55 -13.03 12.31 0.55 0.68 0.70 0.63 0.72New Hampshire

0.71 -18.34 -21.39 1.20 -17.47 0.50 0.50 0.58 0.67 0.66New Jersey

-6.00 -13.68 -10.15 -1.75 -1.20 0.83 0.89 0.97 0.99 1.00New Mexico

-3.92 -4.00 -0.99 5.65 -2.52 3.82 4.02 3.91 3.63 3.40New York

9.12 -1.47 -8.45 -3.04 2.93 4.40 4.09 3.87 3.89 3.97North Carolina

-4.75 -4.56 -16.12 -8.45 0.13 0.51 0.54 0.53 0.58 0.63North Dakota

7.56 43.25 31.24 -35.67 3.39 0.06 0.06 0.04 0.03 0.04Northern Mariana Islands

-2.93 -16.16 -11.21 -3.72 -2.98 2.44 2.55 2.84 2.93 3.02Ohio



CREDIT LIFEBY STATE

Net Written Premiums % Change from prior year


Business Written in theState of 2018 20182017 20172016 20162015 20152014 2014

1.00 4.92 -15.82 -8.31 -3.28 1.71 1.72 1.53 1.67 1.80Oklahoma

0.66 -7.14 -10.15 -11.09 -8.32 0.59 0.60 0.60 0.61 0.68Oregon

-3.56 -9.69 -15.35 -11.25 -6.61 3.14 3.30 3.41 3.70 4.13Pennsylvania

22.65 -15.23 -15.77 -0.99 -0.54 5.16 4.26 4.69 5.12 5.12Puerto Rico

-23.53 -20.84 -7.94 -19.57 -21.91 0.04 0.05 0.06 0.06 0.07Rhode Island

3.30 7.83 -7.50 -4.92 5.35 3.71 3.64 3.15 3.13 3.26South Carolina

-8.75 -13.46 -17.50 1.03 -9.81 0.32 0.35 0.38 0.43 0.42South Dakota

15.08 -7.19 -9.38 4.14 3.21 4.86 4.28 4.30 4.36 4.15Tennessee

-1.99 -12.77 -7.21 0.32 3.88 13.63 14.08 15.08 14.93 14.73Texas

9.29 -82.05 0.96 -6.25 2.22 0.05 0.05 0.25 0.23 0.24US Virgin Islands

-8.50 -20.42 6.06 15.18 -2.96 0.88 0.98 1.15 0.99 0.85Utah

-0.18 -2.44 -13.79 -13.00 -0.77 0.14 0.14 0.14 0.15 0.17Vermont

-10.50 -7.94 -8.23 6.50 -4.12 2.11 2.39 2.42 2.43 2.26Virginia

13.12 -9.17 -20.95 -9.93 -12.01 0.54 0.48 0.50 0.58 0.63Washington

0.66 7.14 -11.61 -1.28 -11.21 0.82 0.83 0.72 0.75 0.75West Virginia

-6.77 1.47 -5.68 -0.53 -9.32 1.40 1.52 1.40 1.36 1.36Wisconsin

-33.52 -14.76 -10.86 -6.69 -14.54 0.10 0.16 0.17 0.18 0.19Wyoming

100.00 100.00 100.00 100.00 100.001.28 -6.61 -8.15 -0.98 -0.19Total


CREDIT ACCIDENT AND HEALTH






CREDIT A&HCOUNTRYWIDE

COCODE COMPANY NAME






at Prima Facie Rates2018 -2016


2018 2017 2016 2015 2014

62626 CMFG Life Ins Co 40.26 35.61 37.78 32.45 129,291,262 127,388,288 141,173,083 147,774,580 152,220,30860518 American Hlth & Life Ins Co 38.17 40.09 40.73 42.62 37,585,093 28,235,071 19,353,034 23,616,099 22,582,07366168 Minnesota Life Ins Co 34.02 32.04 33.15 31.09 21,270,610 22,775,882 19,644,221 19,826,780 18,912,09665951 Merit Life Ins Co 49.76 53.25 48.37 52.82 12,575,775 18,775,931 21,652,190 21,121,295 21,651,65897691 Life Of The South Ins Co 18.90 18.79 20.38 20.26 12,505,495 12,358,349 13,297,476 10,352,651 8,914,61960739 American Natl Ins Co 22.93 23.02 23.77 24.01 6,393,440 5,558,536 5,864,657 4,868,098 5,134,98861751 Central States H & L Co Of Omaha 21.25 22.55 20.00 21.08 4,979,111 7,308,979 9,347,593 9,396,914 9,597,61897152 Plateau Ins Co 25.42 25.76 22.30 22.71 4,128,406 3,684,681 4,352,964 4,011,395 4,780,48867628 Pekin Life Ins Co 39.41 39.54 41.13 41.30 3,867,151 3,417,720 2,873,210 2,530,769 2,803,24593742 Securian Life Ins Co 50.73 40.38 52.99 41.14 2,971,618 4,091,201 2,409,654 1,807,405 2,436,31498736 American Federated Life Ins Co 22.77 22.77 22.11 22.11 1,689,418 1,624,907 1,536,228 1,879,372 1,444,26261298 Bankers Life Of LA 20.13 20.13 20.69 20.69 1,665,237 1,586,574 1,876,235 1,655,537 1,448,22068136 Protective Life Ins Co 17.97 19.78 15.80 17.63 1,354,997 1,347,201 2,443,067 2,965,881 2,881,67760242 Southern Financial Life Ins Co 32.69 32.69 29.40 29.40 1,252,342 1,994,777 1,485,548 2,098,788 1,367,92825178 State Farm Mut Auto Ins Co 36.64 37.04 34.63 35.13 1,143,999 1,906,507 2,918,119 4,688,136 3,495,28486231 Transamerica Life Ins Co 33.79 35.35 30.18 30.44 1,124,960 915,772 5,088,336 11,613,074 11,808,93199538 SWBC Life Ins Co 13.16 13.78 13.52 13.91 1,056,266 1,314,565 1,150,605 219,514 86,14676007 Old United Life Ins Co 22.10 23.92 23.62 25.46 824,725 1,162,817 1,226,177 818,885 1,087,57073156 Caribbean Amer Life Assur Co 13.07 13.08 11.53 11.55 783,927 394,085 871,815 1,052,435 946,87160836 American Republic Ins Co 33.33 33.77 36.26 36.92 603,901 706,672 655,076 853,361 570,67570106 United States Life Ins Co in the Cit 195.59 103.23 -91.75 -31.91 495,044 67,146 -588,038 163,937 167,56565480 Old Spartan Life Ins Co Inc 11.78 11.78 11.83 11.83 418,181 431,682 570,165 598,530 653,29963126 American Nat Life Ins Co of NY 135.47 44.91 135.47 44.91 362,395 0 0 0 060275 American Bankers Life Assur Co Of FL 12.99 12.45 3.23 3.08 344,629 334,984 566,498 5,424,290 8,934,44366281 Transamerica Premier Life Ins Co 25.05 18.29 16.64 10.97 327,426 534,752 993,058 3,019,447 2,379,11270688 Transamerica Financial Life Ins Co 29.57 27.53 52.39 49.92 244,719 635,472 1,779,634 -2,667,647 3,892,95234274 Central States Ind Co Of Omaha 8.73 7.38 8.77 7.48 236,060 387,758 455,797 608,805 396,45970548 Wichita Natl Life Ins Co 25.61 25.61 25.04 25.04 226,454 231,733 248,222 298,599 284,99274233 First Natl Life Ins Co Of USA 37.07 38.01 40.72 42.78 191,406 216,547 285,066 258,156 278,72260488 American Gen Life Ins Co NR 41.43 -58.93 -64.13 187,019 -351,658 79,342 326,271 310,48164904 Investors Heritage Life Ins Co 27.23 27.23 24.49 24.49 169,537 953,775 1,052,849 881,261 1,182,20360244 Kentucky Home Life Ins Co 25.04 25.05 21.51 21.51 155,582 148,082 219,372 248,123 306,30662650 Delta Life Ins Co 19.11 19.11 18.36 18.36 153,139 139,873 132,503 175,378 174,39988536 Protective Life & Annuity Ins Co 47.74 38.44 51.52 39.41 129,218 104,110 142,208 258,766 101,36964211 Guarantee Trust Life Ins Co 35.96 35.96 25.43 25.43 100,600 214,205 701,594 893,641 1,966,94681779 Individual Assur Co Life Hlth & Acc -2.39 -2.39 21.84 21.80 96,232 6,163 256,283 315,102 -827,75271455 Financial Amer Life Ins Co 33.84 35.91 37.70 39.64 91,913 -13,964 991,719 1,210,853 1,361,65477976 Gulf Guar Life Ins Co 13.87 13.84 14.65 14.65 82,349 116,285 175,899 129,127 128,29675094 Life Ins Co Of LA 38.85 38.85 60.41 60.41 74,914 70,658 2,755 10,344 26,34160041 UNIVERSAL LIFE INS CO 33.43 33.43 40.63 40.63 72,132 22,022 252,365 195,297 237,27562383 Centurion Life Ins Co -12.78 -12.77 44.02 44.02 66,003 13,192 38,801 39,050 -250,519




COCODE COMPANY NAME








2018 2017 2016 2015 2014

86118 Arkansas Bankers Life Ins Co 52.34 52.34 65.03 65.03 63,534 88,178 48,215 50,703 59,92585677 Life Assur Co Inc 20.36 20.36 21.04 21.04 51,457 155,852 125,164 189,239 114,53071463 CICA Life Ins Co of Amer 6.06 6.06 4.97 4.97 45,103 19,936 27,989 46,442 55,96383992 Foundation Life Ins Co Of AR 11.79 11.79 19.01 19.01 44,435 0 0 42,132 -5,98542978 American Security Ins Co 27.80 27.80 29.35 29.35 41,161 31,041 43,153 37,501 60,63377054 MAPFRE Life Ins Co of PR 4.39 3.08 7.52 9.08 33,133 17,196 36,397 -2,493 -14,61041211 Triton Ins Co 14.81 14.81 NR NR 31,124 2,940 -346,956 99,975 277,11979340 Pavonia Life Ins Co NY -14.40 -8.36 6.70 2.75 22,306 -17,165 9,992 224,717 -336,12674470 Rush Life Ins Co 4.49 4.49 1.44 1.44 20,805 -8,508 394 33,804 24,08779715 Cooperativa De Seguros De Vida 6.54 6.54 4.88 4.88 17,682 9,303 28,958 39,705 14,82798868 Sheridan Life Ins Co 43.04 43.04 78.02 78.02 13,257 3,076 15,252 4,175 042986 Standard Guar Ins Co 2.31 2.31 17.72 17.72 7,381 1,458 31,453 -6,508 -20,59060534 American Heritage Life Ins Co -3.17 -3.16 -29.32 -29.32 6,004 3,038 -100,496 183,422 -291,08992274 Landcar Life Ins Co 9.44 NR -1.04 NR 1,619 -50,920 42,804 34,535 189,89561409 National Benefit Life Ins Co 23.85 27.02 -476.34 -422.51 122 -4,873 -236,233 51,724 401,28469973 United Life Ins Co -1,442.31 -1,442.31 NR NR 0 0 0 0 -1,50061506 Resource Life Ins Co NR NR NR NR 0 0 0 -54,229 -287,81162596 Union Fidelity Life Ins Co -4.71 -4.71 NR NR 0 0 0 -212 -661158 TRIPLE S BLUE NR NR NR NR 0 0 0 0 065021 Stonebridge Life Ins Co 22.27 19.59 NR NR 0 0 0 0 108,20330325 Zale Ind Co 5.38 5.38 1.67 1.67 0 1,778 11,369 18,612 60,40719232 Allstate Ins Co NR NR NR NR 0 0 0 -153,526 065560 Life Protection Ins Co 0.65 0.81 -19.05 -23.52 0 0 -2,125 -9,764 14,78761824 Cherokee Natl Life Ins Co NR NR NR NR 0 0 0 0 013762 American Natl Lif Ins Co of NY 27.99 27.95 27.99 27.95 0 206,476 16,058 0 065757 Shelter Life Ins Co 0.00 0.00 0.00 0.00 0 0 0 0 065811 American Modern Life Ins Co 39.40 41.37 44.53 46.34 0 1,024,688 2,058,558 2,286,041 2,491,37660186 Allstate Life Ins Co NR NR NR NR 0 0 0 -1,541,769 089087 Enterprise Life Ins Co 32.73 32.73 NR NR 0 0 0 0 22,50394447 Century Life Ass Co -23.77 -23.69 34.75 34.08 0 0 4,077 12,431 -37,95965978 Metropolitan Life Ins Co NR NR NR NR 0 0 0 0 -1,96469477 Time Ins Co II -526.28 -526.28 NR NR 0 -16,963 -6,010 4,239 4,57799465 Servco Life Ins Co 38.15 38.15 NR NR 0 0 0 13,412 63,47985090 Dearborn Natl Life Ins Co of NY -77.47 -110.09 NR NR 0 0 -12 -1,127 88887645 United Fidelity Life Ins Co -214.15 -214.15 -70.88 -70.88 0 0 -275 -315 -4,52677151 Service Life & Cas Ins Co -54.02 -66.56 -266.32 -330.22 0 0 -4,349 -64,369 -226,00588374 Commonwealth Dealers Life Ins Co -9.91 -10.09 NR NR 0 0 0 0 -2276112 Oxford Life Ins Co NR NR NR NR 0 0 0 0 089958 Shelterpoint Ins Co NR NR NR NR 0 0 0 0 092649 American Underwriters Life Ins Co 8.23 8.23 1.42 1.42 0 0 336 3,354 5,17393521 General Fidelity Life Ins Co 161.29 161.28 NR NR 0 0 1,045 10,959 9,841




COCODE COMPANY NAME








2018 2017 2016 2015 2014

93650 Versant Life Ins Co 5.36 5.36 13.53 13.53 0 0 25,692 16,207 6,10997055 Mega Life & Hlth Ins Co The NR NR NR NR 0 0 0 0 093815 Pacific Century Life Ins Corp 60.21 60.21 43.52 43.52 0 5,742 0 3,600 6,00088080 Omaha Hlth Ins Co NR NR NR NR 0 0 0 0 070173 Universal Underwriters Life Ins Co NR NR NR NR 0 0 0 0 -90066087 Mid West Natl Life Ins Co Of TN -95.43 -95.43 -1,216.39 -1,216.39 0 -13 -8,076 2,207 2,16867261 Old Republic Life Ins Co -28,290.08 -28,290.08 NR NR 0 0 -153,024 -174,553 -148,82868160 Balboa Life Ins Co NR NR NR NR 0 0 0 0 068241 Prudential Ins Co Of Amer NR NR NR NR 0 0 0 0 068349 North Amer Ins Co -752.99 -754.33 NR NR 0 0 0 -24 -1,85468632 Vantis Life Ins Co NR NR 0.00 0.00 0 0 0 0 069663 USAA Life Ins Co 0.00 0.00 0.00 0.00 0 0 0 0 079049 Alfa Life Ins Corp 1,216.47 761.75 860.86 923.74 0 0 12,178 10,975 24,67571323 Langhorne Reins AZ Ltd -1.22 -1.22 -8.46 -8.45 0 -84,270 -18,152 193 69,08571390 Puritan Life Ins Co of Amer -9.74 -9.71 -9.74 -9.71 0 -3,892 0 0 074365 Southern Pioneer Life Ins Co 19.44 19.44 22.95 22.95 0 178,473 182,543 145,299 117,98075612 Gulf States Life Ins Co -62.64 -62.64 -10.02 -10.02 0 0 -121 11,171 -16,87210097 Balboa Life Ins Co Of NY NR NR NR NR 0 0 0 0 011162 Insurance Co of the South -0.82 -0.82 -0.40 -0.40 -202 -129 -239 -1,427 -18672087 Multinational Life Ins Co -3.67 -3.67 5.00 5.00 -1,368 4,164 8,551 -3,617 -23,97360895 American United Life Ins Co 0.13 0.12 -25.87 -24.37 -1,420 -35,394 16,771 -680 21,26070435 The Savings Bank Mut Life Ins Co of -91.02 -76.20 -800.79 -817.93 -10,000 0 831 -2,969 5,81477690 Trans City Life Ins Co 9.29 9.29 11.89 11.89 -16,863 58,092 105,681 -5,988 51,44181477 Union Security Life Ins Co of NY 15.24 7.68 15.25 7.60 -18,513 92,261 188,523 175,783 99,07510952 Transamerica Cas Ins Co 11.95 10.79 -3.56 -3.22 -21,159 -3,434 4,424 104,251 65,93080020 Mountain Life Ins Co -18.06 -18.06 -6.72 -6.73 -322,151 54,839 105,182 97,686 -712,72310111 American Bankers Ins Co Of FL 11.28 11.12 10.21 9.92 -331,921 1,307,870 1,619,956 1,856,386 1,447,42393777 Pavonia Life Ins Co of MI 35.95 35.32 -11.39 -11.60 -578,270 -827,160 335,007 3,627,792 7,038,435

306,676,877292,953,399271,805,864253,025,011110 30.1032.2631.4533.15COMPANIES IN REPORT - COUNTRYWIDE 250,389,940




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

2018 20182017 20172016 20162015 20152014 2014

62626 CMFG Life Ins Co 37.36 36.06 39.90 43.11 45.12 32.23 30.43 34.75 39.04 42.83

60518 American Hlth & Life Ins Co 45.36 45.62 30.07 35.11 33.29 46.62 48.06 32.01 37.30 34.98

66168 Minnesota Life Ins Co 31.01 34.99 33.62 35.25 35.88 28.63 33.10 31.82 33.37 34.09

65951 Merit Life Ins Co 59.54 43.51 47.79 48.65 54.81 66.23 48.11 51.15 51.00 56.84

97691 Life Of The South Ins Co 19.68 20.56 20.89 15.69 17.64 19.45 20.52 20.83 15.59 17.53

60739 American Natl Ins Co 25.19 20.66 25.86 21.10 22.04 25.51 21.34 25.40 21.54 21.35

61751 Central States H & L Co Of Omaha 15.71 19.85 23.56 22.78 22.97 16.39 20.80 25.19 24.54 24.43

97152 Plateau Ins Co 21.88 19.58 25.81 26.54 37.44 22.35 20.05 26.05 26.68 37.49

67628 Pekin Life Ins Co 48.16 40.37 35.04 33.18 40.11 48.22 40.68 35.14 33.40 40.03

93742 Securian Life Ins Co 36.31 80.27 52.42 42.97 49.18 28.89 60.41 40.41 34.80 42.37

98736 American Federated Life Ins Co 22.10 22.71 21.52 26.78 20.79 22.10 22.71 21.52 26.78 20.79

61298 Bankers Life Of LA 21.06 19.30 21.69 19.54 18.95 21.06 19.30 21.69 19.54 18.95

68136 Protective Life Ins Co 14.82 12.44 19.41 21.50 19.46 16.79 14.01 21.23 23.45 20.98

60242 Southern Financial Life Ins Co 21.95 37.54 29.24 43.36 33.00 21.95 37.54 29.24 43.36 33.00

25178 State Farm Mut Auto Ins Co 31.26 33.84 36.74 44.56 32.16 31.85 34.30 37.23 44.85 32.47

86231 Transamerica Life Ins Co 53.13 23.76 28.83 34.79 35.33 62.69 18.76 30.39 36.61 37.74

99538 SWBC Life Ins Co 10.93 15.06 15.04 11.64 7.42 10.86 15.22 16.56 14.24 9.35

76007 Old United Life Ins Co 19.56 25.36 25.51 16.97 22.97 21.04 27.32 27.58 18.43 25.08

73156 Caribbean Amer Life Assur Co 13.84 6.63 14.14 16.46 13.91 13.89 6.63 14.14 16.46 13.91

60836 American Republic Ins Co 38.25 40.85 31.02 39.87 21.87 39.79 41.10 31.39 40.50 21.89

70106 United States Life Ins Co in the Cit 48,772.81 1,158.89 -2,752.60 359.93 202.98 53,345.26 318.36 -997.05 154.51 153.72

65480 Old Spartan Life Ins Co Inc 11.12 11.26 12.93 12.33 11.23 11.12 11.26 12.93 12.33 11.23

63126 American Nat Life Ins Co of NY 135.47 NR NR NR NR 44.91 NR NR NR NR

60275 American Bankers Life Assur Co Of FL 4.57 2.60 3.12 16.91 18.08 4.31 2.60 2.89 16.07 17.46

66281 Transamerica Premier Life Ins Co 22.48 18.95 14.45 31.11 29.34 14.69 8.41 11.94 24.27 23.05

70688 Transamerica Financial Life Ins Co 57.89 63.67 48.67 -124.09 65.85 66.40 35.17 56.44 -157.90 54.88

34274 Central States Ind Co Of Omaha 7.88 9.01 9.10 11.17 6.48 6.88 7.63 7.69 9.28 5.47

70548 Wichita Natl Life Ins Co 23.60 23.99 27.72 27.52 25.18 23.60 23.99 27.72 27.52 25.18

74233 First Natl Life Ins Co Of USA 43.33 38.50 40.86 32.76 33.68 45.14 43.45 40.86 32.76 33.68

60488 American Gen Life Ins Co 2,530.70 -972.61 78.40 NR 33.10 1,609.18 -1,711.65 78.68 122.48 33.32

64904 Investors Heritage Life Ins Co 7.15 29.67 31.91 26.92 34.65 7.15 29.67 31.91 26.92 34.65

60244 Kentucky Home Life Ins Co 20.92 19.39 23.74 27.25 31.88 20.92 19.39 23.74 27.25 31.90

62650 Delta Life Ins Co 21.24 17.88 16.28 20.49 19.71 21.24 17.88 16.28 20.49 19.71

88536 Protective Life & Annuity Ins Co 69.34 43.67 46.75 70.88 22.69 49.40 33.12 37.73 56.01 20.32

64211 Guarantee Trust Life Ins Co 17.26 14.23 36.76 33.40 47.85 17.26 14.23 36.76 33.40 47.85




COCODE COMPANY NAME




2018 20182017 20172016 20162015 20152014 2014

81779 Individual Assur Co Life Hlth & Acc 55.14 1.32 25.63 18.53 -26.75 55.03 1.31 25.59 18.50 -26.71

71455 Financial Amer Life Ins Co 31.06 -1.65 58.47 40.59 27.56 31.06 -1.65 63.69 43.63 29.17

77976 Gulf Guar Life Ins Co 10.56 14.00 18.59 13.29 12.47 10.56 14.00 18.59 13.17 12.47

75094 Life Ins Co Of LA 102.20 90.15 2.93 9.32 22.02 102.20 90.15 2.93 9.32 22.02

60041 UNIVERSAL LIFE INS CO 38.55 8.96 60.09 31.90 27.42 38.55 8.96 60.09 31.90 27.42

62383 Centurion Life Ins Co 250.57 13.10 27.52 19.86 -93.92 250.58 13.10 27.52 19.86 -93.79

86118 Arkansas Bankers Life Ins Co 74.41 82.60 41.82 39.54 38.01 74.41 82.60 41.82 39.54 38.01

85677 Life Assur Co Inc 11.70 30.73 19.77 25.66 14.18 11.70 30.73 19.77 25.66 14.18

71463 CICA Life Ins Co of Amer 8.16 3.24 3.98 6.84 8.27 8.16 3.24 3.98 6.84 8.27

83992 Foundation Life Ins Co Of AR 19.01 NR NR 18.64 -2.68 19.01 NR NR 18.64 -2.68

42978 American Security Ins Co 35.64 23.91 29.20 21.80 29.90 35.64 23.91 29.20 21.80 29.90

77054 MAPFRE Life Ins Co of PR 13.90 3.95 7.59 -0.74 -15.53 83.34 3.95 7.59 -0.24 -5.41

41211 Triton Ins Co NR NR NR 86.23 87.28 NR NR NR 86.23 87.28

79340 Pavonia Life Ins Co NY 49.31 -25.91 8.74 97.85 -157.83 16.68 -9.11 4.40 70.41 -118.49

74470 Rush Life Ins Co 7.19 -2.31 0.18 10.40 6.61 7.19 -2.31 0.18 10.40 6.61

79715 Cooperativa De Seguros De Vida 5.10 2.37 7.12 18.49 4.51 5.10 2.37 7.12 18.49 4.51

98868 Sheridan Life Ins Co 138.93 31.20 72.34 21.70 0.00 138.93 31.20 72.34 21.70 0.00

42986 Standard Guar Ins Co 11.24 1.94 36.37 -4.52 -10.27 11.24 1.94 36.37 -4.52 -10.27

60534 American Heritage Life Ins Co 370.16 5.77 -39.00 25.58 -5.54 370.16 5.77 -39.00 25.59 -5.53

92274 Landcar Life Ins Co 2.62 -27.88 11.23 5.29 18.44 24.56 -16,320.51 NR NR NR

61409 National Benefit Life Ins Co 254.17 -96.87 -519.05 21.05 67.72 225.47 -85.91 -460.40 23.37 79.25

69973 United Life Ins Co NR NR NR NR -1,442.31 NR NR NR NR -1,442.31

61506 Resource Life Ins Co NR NR NR NR NR NR NR NR NR NR

62596 Union Fidelity Life Ins Co NR NR NR -27.75 -0.16 NR NR NR -27.75 -0.16

61158 TRIPLE S BLUE NR NR NR NR NR NR NR NR NR NR

65021 Stonebridge Life Ins Co NR NR NR NR 22.27 NR NR NR NR 19.59

30325 Zale Ind Co NR 0.53 2.51 4.17 12.64 NR 0.53 2.51 4.17 12.64

19232 Allstate Ins Co NR NR NR NR NR NR NR NR NR NR

65560 Life Protection Ins Co NR NR -19.05 -10.84 4.26 NR NR -23.52 -13.47 5.32

61824 Cherokee Natl Life Ins Co NR NR NR NR NR NR NR NR NR NR

13762 American Natl Lif Ins Co of NY NR 31.54 11.44 NR NR NR 31.54 11.35 NR NR

65757 Shelter Life Ins Co 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

65811 American Modern Life Ins Co NR 46.95 43.41 39.11 34.68 NR 46.79 46.12 41.36 36.54

60186 Allstate Life Ins Co NR NR NR NR NR NR NR NR NR NR

89087 Enterprise Life Ins Co NR NR NR 0.00 33.33 NR NR NR 0.00 33.33




COCODE COMPANY NAME




2018 20182017 20172016 20162015 20152014 2014

94447 Century Life Ass Co NR NR 34.75 49.10 -71.35 NR NR 34.08 49.10 -71.27

65978 Metropolitan Life Ins Co NR NR NR NR NR NR NR NR NR NR

69477 Time Ins Co II NR NR NR 292.34 369.11 NR NR NR 292.34 369.11

99465 Servco Life Ins Co NR NR NR 53.04 36.02 NR NR NR 53.02 36.02

85090 Dearborn Natl Life Ins Co of NY NR NR NR -866.92 457.73 NR NR NR -1,225.00 652.94

87645 United Fidelity Life Ins Co NR NR -70.88 -60.34 -306.02 NR NR -70.88 -60.34 -306.02

77151 Service Life & Cas Ins Co NR NR -266.32 -78.00 -48.98 NR NR -330.22 -96.40 -60.31

88374 Commonwealth Dealers Life Ins Co NR NR NR NR -9.91 NR NR NR NR -10.09

76112 Oxford Life Ins Co NR NR NR NR NR NR NR NR NR NR

89958 Shelterpoint Ins Co NR NR NR NR NR NR NR NR NR NR

92649 American Underwriters Life Ins Co NR NR 1.42 9.69 10.45 NR NR 1.42 9.69 10.45

93521 General Fidelity Life Ins Co NR NR NR 486.85 87.14 NR NR NR 486.85 87.13

93650 Versant Life Ins Co NR NR 13.53 8.01 1.21 NR NR 13.53 8.01 1.21

97055 Mega Life & Hlth Ins Co The NR NR NR NR NR NR NR NR NR NR

93815 Pacific Century Life Ins Corp 0.00 127.60 0.00 61.30 93.57 0.00 127.60 0.00 61.30 93.57

88080 Omaha Hlth Ins Co NR NR NR NR NR NR NR NR NR NR

70173 Universal Underwriters Life Ins Co NR NR NR NR NR NR NR NR NR NR

66087 Mid West Natl Life Ins Co Of TN NR -6.95 -1,689.54 213.03 98.95 NR -6.95 -1,689.54 213.03 98.95

67261 Old Republic Life Ins Co NR NR NR -528,948.48 -9,014.42 NR NR NR -528,948.48 -9,014.42

68160 Balboa Life Ins Co NR NR NR NR NR NR NR NR NR NR

68241 Prudential Ins Co Of Amer NR NR NR NR NR NR NR NR NR NR

68349 North Amer Ins Co NR NR NR -4.87 NR NR NR NR -4.87 NR

68632 Vantis Life Ins Co 0.00 0.00 NR NR NR 0.00 0.00 NR NR NR

69663 USAA Life Ins Co NR NR 0.00 0.00 0.00 NR NR 0.00 0.00 0.00

79049 Alfa Life Ins Corp NR NR 860.86 1,213.51 1,530.07 NR NR 923.74 612.67 778.64

71323 Langhorne Reins AZ Ltd NR -16.08 -2.64 0.03 8.85 NR -16.05 -2.64 0.03 8.85

71390 Puritan Life Ins Co of Amer 0.00 -16.60 NR NR NR 0.00 -16.52 NR NR NR

74365 Southern Pioneer Life Ins Co NR 21.96 24.00 18.00 14.21 NR 21.96 24.00 18.00 14.21

75612 Gulf States Life Ins Co NR NR -10.02 NR -207.79 NR NR -10.02 NR -207.79

10097 Balboa Life Ins Co Of NY NR NR NR NR NR NR NR NR NR NR

11162 Insurance Co of the South -0.54 -0.27 -0.42 -3.99 -0.21 -0.54 -0.27 -0.42 -3.99 -0.21

72087 Multinational Life Ins Co -2.11 5.48 9.94 -3.72 -20.22 -2.11 5.48 9.94 -3.72 -20.22

60895 American United Life Ins Co -21.96 -176.41 32.92 -0.54 10.01 -18.81 -166.32 31.40 -0.49 8.69

70435 The Savings Bank Mut Life Ins Co of -3,012.05 0.00 289.55 -114.77 180.78 -2,433.09 0.00 234.08 -92.78 146.15

77690 Trans City Life Ins Co -4.16 13.87 25.68 -1.74 10.50 -4.16 13.87 25.68 -1.74 10.50




COCODE COMPANY NAME




2018 20182017 20172016 20162015 20152014 2014

81477 Union Security Life Ins Co of NY -8.14 13.92 22.73 20.27 10.56 -3.84 6.93 11.54 10.28 5.39

10952 Transamerica Cas Ins Co NR -1.28 1.49 31.17 18.55 NR -1.16 1.34 28.01 16.79

80020 Mountain Life Ins Co -46.64 6.64 11.76 10.62 -73.31 -46.65 6.64 11.76 10.62 -73.31

10111 American Bankers Ins Co Of FL -10.25 13.27 13.14 13.85 10.72 -9.75 12.54 13.14 13.85 10.72

93777 Pavonia Life Ins Co of MI -31.81 -28.98 7.09 49.76 70.36 -36.29 -27.53 7.23 49.03 66.79

110 COMPANIES IN REPORT - COUNTRYWIDE 32.75 31.64 32.40 33.84 34.93 34.2432.5230.6329.2230.45









CREDIT A&HBY STATE


5-yr Loss Ratio at

Prima Facie2018 - 2014

3-yrAggregatedLoss Ratio2018 - 2016

3-yr LossRatio at


Annual Incurred Claims (Losses)

Business Written in the State of 2018 2017 2016 2015 2014

27.91 26.48 25.81 24.43 5,614,395 5,398,525 7,857,014 4,121,630Alabama 4,836,285

9.93 9.91 3.36 3.35 12,685 29,246 -33,859 294,307Alaska 7,809

-83.33 -83.33 NR NR 0 0 0 -10American Samoa 0

22.58 23.52 19.14 19.60 672,900 569,477 865,298 1,181,466Arizona 452,712

30.85 32.56 30.82 33.24 649,974 1,046,076 1,261,780 1,019,064Arkansas 684,652

40.40 28.50 37.92 26.28 3,492,589 4,698,189 4,380,885 6,487,963California 3,068,294

29.81 25.18 30.15 23.41 1,226,825 924,228 1,671,530 1,236,537Colorado 1,416,194

35.51 31.47 33.47 29.11 1,839,342 1,965,269 1,990,051 2,127,705Connecticut 1,447,896

33.97 30.29 38.71 33.76 459,176 550,769 353,472 448,881Delaware 298,347

31.38 32.62 23.30 23.09 523,028 448,176 943,710 728,524District Of Columbia 162,671

27.20 25.19 26.22 24.04 10,614,187 10,590,966 10,462,517 11,612,724Florida 10,449,123

17.62 17.54 17.43 17.38 8,686,208 9,037,905 10,100,762 12,008,090Georgia 8,773,607

6.24 6.24 10.58 10.58 61,578 1,787 -365 -6,639Guam 17,464

36.44 37.94 35.36 36.20 2,612,975 2,440,196 3,049,117 2,749,739Hawaii 2,678,396

21.86 19.82 21.55 18.83 1,745,872 1,685,849 1,697,795 1,158,846Idaho 1,392,395

31.59 29.76 30.41 27.47 9,418,689 10,537,458 11,649,870 12,669,932Illinois 8,456,218

44.31 48.69 42.93 47.63 5,902,119 6,717,314 7,342,948 7,176,183Indiana 6,585,636

29.38 29.52 26.52 26.48 3,024,616 3,460,406 4,181,296 5,365,628Iowa 3,458,190

24.86 21.29 24.07 20.46 2,985,439 3,175,722 3,686,082 3,128,882Kansas 3,079,082

29.89 28.15 26.60 25.20 6,528,576 6,861,139 8,489,230 8,652,213Kentucky 4,921,127

27.12 28.72 26.15 27.49 8,781,910 8,732,995 10,091,668 10,139,548Louisiana 9,342,109

64.36 54.98 60.43 50.57 2,604,065 2,964,694 3,895,886 3,721,807Maine 2,599,501

41.51 25.06 38.31 21.54 3,239,132 3,019,349 4,414,878 4,887,080Maryland 3,176,727

40.54 38.04 42.08 40.91 1,631,246 1,583,023 1,848,261 2,040,797Massachusetts 1,513,050

40.64 38.77 40.62 37.96 14,638,504 14,022,006 12,814,266 14,467,461Michigan 14,637,720

32.80 34.76 32.66 34.57 2,839,461 2,516,510 3,350,361 2,843,269Minnesota 3,126,091

25.40 23.17 24.15 21.87 6,239,673 5,929,427 6,672,710 6,521,804Mississippi 5,317,862

26.62 26.31 26.38 25.73 3,053,374 3,918,585 4,158,982 3,851,686Missouri 2,816,925

27.18 25.87 26.05 24.23 398,208 760,312 800,335 772,651Montana 418,219

29.65 29.63 32.15 32.42 1,380,704 1,577,675 1,476,382 1,924,932Nebraska 1,288,451

21.99 23.13 21.75 22.88 233,631 329,266 136,370 474,183Nevada 259,620

22.09 14.80 21.84 13.11 2,327,193 2,575,638 2,131,254 3,108,480New Hampshire 2,351,265

53.54 53.29 51.17 50.90 3,095,046 3,243,593 4,114,466 4,677,019New Jersey 3,452,304

41.53 45.43 39.86 44.82 2,347,115 3,134,621 3,058,957 3,982,542New Mexico 2,596,938

45.36 30.81 45.15 30.07 21,899,640 23,117,462 17,490,421 24,373,948New York 21,050,402

37.16 36.65 36.79 36.21 14,053,356 14,583,143 14,333,129 15,744,873North Carolina 15,783,191

26.19 26.12 26.37 26.24 1,047,932 1,393,994 1,324,202 1,444,229North Dakota 1,182,934

11.19 11.19 14.21 14.21 5,193 18,741 7,686 -1,128Northern Mariana Islands 11,707

47.54 51.39 46.96 51.11 10,366,884 11,302,846 12,480,825 13,714,790Ohio 12,482,002



CREDIT A&HBY STATE


5-yr Loss Ratio at


3-yrAggregatedLoss Ratio2018 - 2016

3-yr LossRatio at


Annual Incurred Claims (Losses)

Business Written in the State of 2018 2017 2016 2015 2014

22.94 22.55 21.57 21.12 1,454,054 1,359,441 1,809,922 1,987,574Oklahoma 1,030,467

40.25 40.87 36.54 35.91 2,243,911 1,538,306 2,568,747 3,356,814Oregon 1,942,016

61.64 63.27 61.10 63.49 14,264,691 18,152,301 21,926,050 20,260,909Pennsylvania 15,028,006

14.07 13.81 12.50 12.63 469,618 1,160,836 1,269,897 1,172,454Puerto Rico 895,960

63.19 81.01 60.30 74.90 485,722 435,173 489,492 534,602Rhode Island 271,012

42.55 42.14 43.43 43.14 9,682,626 10,197,548 11,298,417 10,732,446South Carolina 10,152,198

26.25 23.96 28.45 25.73 1,531,699 1,306,330 1,247,843 1,197,082South Dakota 1,082,830

31.42 21.69 29.93 18.55 8,353,764 7,317,896 9,038,434 8,082,298Tennessee 7,364,099

23.83 27.50 23.52 27.21 26,353,618 29,982,850 31,833,728 29,915,850Texas 26,912,988

2.17 2.20 1.41 1.43 -22,824 27,845 -4,031 32,296US Virgin Islands 9,416

24.48 19.12 21.95 16.57 2,038,046 2,303,402 2,711,826 2,747,872Utah 2,117,315

61.04 48.53 56.93 43.69 790,112 872,914 1,031,740 1,355,490Vermont 782,474

47.73 51.22 46.77 50.58 9,639,858 10,997,902 11,233,275 11,253,746Virginia 8,367,149

37.49 39.47 39.19 40.81 2,072,165 1,872,122 2,219,347 1,715,733Washington 1,592,144

54.54 61.71 55.05 58.56 1,837,993 3,039,153 2,455,697 3,234,360West Virginia 2,030,686

42.14 45.56 40.11 45.41 5,157,452 5,865,970 6,718,225 7,633,697Wisconsin 5,069,461

34.96 34.26 32.42 31.28 419,069 513,298 554,620 612,018Wyoming 148,603

Total 253,025,011 271,805,864 292,953,399 306,676,87733.15 31.45 32.26 30.10 250,389,940



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 2018 20182017 20172016 20162015 20152014 2014

23.23 27.31 26.95 40.17 21.99 21.91 25.83 25.62 38.21 20.97Alabama

2.12 2.49 4.85 -4.71 31.82 2.11 2.48 4.84 -4.70 31.79Alaska

NR NR NR NR -83.33 NR NR NR NR -83.33American Samoa

17.82 22.52 17.11 23.05 29.85 17.83 22.86 17.98 24.47 31.71Arizona

30.85 25.80 35.05 35.97 26.27 33.44 28.33 37.08 37.45 26.92Arkansas

37.75 33.72 41.91 36.42 49.73 25.11 24.32 28.89 24.87 37.78California

38.71 31.97 21.33 34.80 24.28 28.85 24.08 17.65 32.78 23.00Colorado

29.64 33.90 36.53 37.10 39.91 28.19 28.19 30.80 30.42 41.00Connecticut

30.19 40.11 44.17 26.82 29.63 25.90 35.48 38.52 23.78 27.96Delaware

11.34 32.01 24.91 46.39 35.70 11.07 31.77 24.98 51.47 39.22District Of Columbia

26.03 26.47 26.14 27.08 30.42 23.56 24.32 24.25 25.43 28.67Florida

17.73 17.71 16.89 15.97 19.81 17.84 17.56 16.79 15.87 19.70Georgia

6.98 23.47 0.71 -0.16 -3.52 6.98 23.47 0.71 -0.16 -3.52Guam

38.24 36.11 32.01 39.79 36.17 36.48 38.30 33.92 42.41 38.67Hawaii

17.68 23.94 23.37 25.77 18.81 15.11 20.93 20.91 25.04 18.24Idaho

30.05 29.73 31.36 32.50 33.65 27.16 24.93 30.52 32.69 33.26Illinois

46.03 39.02 43.89 46.87 45.68 54.16 41.92 47.70 50.78 49.57Indiana

29.89 24.15 25.82 29.10 37.07 29.83 24.10 25.81 29.83 37.09Iowa

25.32 23.35 23.61 27.99 24.03 21.24 19.91 20.26 24.10 20.94Kansas

22.91 28.89 27.72 33.72 35.14 22.02 25.99 27.23 31.01 33.40Kentucky

27.69 25.74 25.07 28.27 28.79 28.96 27.11 26.42 29.79 31.34Louisiana

66.45 57.98 57.96 72.63 65.93 54.60 48.61 49.14 62.72 58.64Maine

44.32 40.43 31.94 44.18 46.47 24.78 20.26 20.13 28.35 31.76Maryland

45.52 42.94 38.51 39.70 38.04 43.76 39.55 39.84 35.55 34.62Massachusetts

40.77 40.89 40.18 37.15 44.40 37.52 38.42 37.94 35.91 44.82Michigan

37.31 33.12 27.91 36.55 29.59 40.00 34.76 29.42 38.33 31.79Minnesota

22.00 25.98 24.47 27.73 26.80 19.43 24.08 22.23 25.45 24.83Mississippi

25.07 24.38 29.35 28.06 25.78 25.12 23.48 28.35 27.86 26.24Missouri

23.72 20.09 32.94 31.60 25.75 21.50 18.61 31.39 30.58 25.34Montana

36.61 31.00 30.12 24.37 29.52 35.71 31.24 31.10 23.86 29.50Nebraska

21.70 18.47 24.95 9.89 34.97 22.63 19.49 26.36 10.48 36.45Nevada

20.49 21.89 23.20 19.43 25.11 14.16 11.81 13.54 15.68 20.03New Hampshire

61.68 48.20 45.59 53.82 58.98 64.51 50.31 41.96 50.77 62.06New Jersey

44.91 34.78 40.51 38.39 48.72 51.67 39.13 44.76 40.79 51.34New Mexico

44.61 44.25 46.56 38.94 52.23 29.44 29.13 31.66 27.13 36.81New York

38.48 35.69 36.14 35.69 39.77 37.68 35.34 35.55 35.31 39.35North Carolina

27.98 23.27 27.81 24.72 27.22 27.97 23.28 27.41 24.73 27.21North Dakota

12.72 5.96 26.14 11.42 -1.91 12.72 5.96 26.14 11.42 -1.91Northern Mariana Islands

55.92 43.02 42.97 45.89 50.78 59.69 47.06 47.35 47.98 55.74Ohio



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


18.95 24.69 20.93 24.33 24.71 18.54 24.12 20.55 24.08 24.33Oklahoma

39.25 43.95 27.42 41.12 47.75 37.35 42.35 28.26 43.31 50.61Oregon

65.81 54.57 63.31 69.55 55.92 67.71 56.74 66.26 67.25 59.02Pennsylvania

14.39 6.92 16.13 17.41 15.03 14.88 6.92 16.13 15.87 14.69Puerto Rico

46.50 71.44 60.95 62.90 71.07 58.11 87.28 76.55 82.03 97.68Rhode Island

46.35 41.62 42.51 45.11 38.14 46.06 41.13 42.44 46.16 36.44South Carolina

25.40 32.61 27.09 24.32 22.43 22.80 29.52 24.65 22.41 20.79South Dakota

28.83 32.58 28.37 35.56 31.82 17.11 19.98 18.61 26.69 29.86Tennessee

23.72 22.40 24.40 25.06 23.48 27.19 25.96 28.44 28.91 26.89Texas

3.14 -6.82 7.17 -0.95 6.18 3.29 -6.81 7.17 -0.98 6.25US Virgin Islands

23.25 21.50 21.26 26.12 30.92 17.32 17.00 15.60 19.84 28.42Utah

53.24 57.00 60.62 63.15 68.18 43.15 38.76 50.00 51.57 57.46Vermont

44.56 46.23 49.13 47.90 50.23 50.10 48.29 53.16 51.03 53.18Virginia

37.89 43.33 36.41 41.13 29.87 38.03 45.49 38.82 43.60 32.14Washington

55.47 43.92 64.62 46.04 62.01 57.22 46.64 70.60 56.72 75.39West Virginia

44.03 37.74 39.26 43.07 46.19 55.10 41.48 42.50 46.71 44.88Wisconsin

15.40 37.43 41.09 38.68 36.83 14.25 35.10 42.11 38.55 36.74Wyoming

Total 32.75 31.64 32.40 33.84 34.93 30.45 29.22 34.2432.5230.63



EARNED PREMIUMS







Business Type

Earned Premiums $

2018 2017 2016 2015 2014

62626 CMFG Life Ins Co IA L 346,087,613 353,304,598 353,778,326 342,770,878 337,403,773

60518 American Hlth & Life Ins Co TX L 82,865,513 61,891,785 64,355,048 67,266,725 67,831,710

66168 Minnesota Life Ins Co MN L 68,601,654 65,099,191 58,421,501 56,246,052 52,706,974

97691 Life Of The South Ins Co GA L 63,530,779 60,111,753 63,640,531 65,977,846 50,544,571

61751 Central States H & L Co Of Omaha NE L 31,696,650 36,815,389 39,672,334 41,257,211 41,790,257

60739 American Natl Ins Co TX L 25,382,778 26,899,544 22,679,359 23,073,031 23,295,010

65951 Merit Life Ins Co TX L 21,121,161 43,154,099 45,306,294 43,413,176 39,500,445

97152 Plateau Ins Co TN L 18,871,335 18,815,268 16,867,579 15,114,056 12,768,520

99538 SWBC Life Ins Co TX L 9,660,201 8,728,707 7,648,844 1,886,517 1,161,327

68136 Protective Life Ins Co TN L 9,145,922 10,828,359 12,587,011 13,792,578 14,811,010

93742 Securian Life Ins Co MN L 8,183,238 5,096,737 4,596,394 4,206,231 4,953,600

67628 Pekin Life Ins Co IL L 8,029,607 8,466,167 8,199,433 7,628,428 6,989,591

61298 Bankers Life Of LA LA L 7,907,966 8,220,603 8,651,084 8,474,698 7,643,258

98736 American Federated Life Ins Co MS L 7,643,537 7,154,867 7,139,744 7,018,822 6,947,807

60275 American Bankers Life Assur Co Of FL FL L 7,533,451 12,901,525 18,185,320 32,072,329 49,414,324

60242 Southern Financial Life Ins Co KY L 5,704,396 5,314,058 5,081,368 4,840,698 4,144,988

73156 Caribbean Amer Life Assur Co PR L 5,665,190 5,946,123 6,164,563 6,395,019 6,807,855

76007 Old United Life Ins Co AZ L 4,215,555 4,584,411 4,807,573 4,826,579 4,733,983

65480 Old Spartan Life Ins Co Inc SC L 3,760,671 3,832,358 4,408,864 4,854,104 5,819,073

25178 State Farm Mut Auto Ins Co IL P 3,659,232 5,633,358 7,942,258 10,521,734 10,869,084

10111 American Bankers Ins Co Of FL FL P 3,237,547 9,858,389 12,327,903 13,399,144 13,501,254

34274 Central States Ind Co Of Omaha NE P 2,995,729 4,305,550 5,006,166 5,451,911 6,117,417

64904 Investors Heritage Life Ins Co KY L 2,371,417 3,215,009 3,298,917 3,273,897 3,411,791

86231 Transamerica Life Ins Co IA L 2,117,420 3,854,184 17,646,433 33,377,714 33,426,147

93777 Pavonia Life Ins Co of MI MI L 1,817,935 2,854,449 4,726,444 7,291,077 10,003,728

60836 American Republic Ins Co IA L 1,578,871 1,729,777 2,112,017 2,140,282 2,608,907

66281 Transamerica Premier Life Ins Co IA L 1,456,416 2,822,554 6,870,900 9,705,178 8,107,669

70548 Wichita Natl Life Ins Co OK L 959,405 965,993 895,373 1,085,096 1,131,893

77976 Gulf Guar Life Ins Co MS L 779,448 830,720 946,271 971,379 1,028,921

60244 Kentucky Home Life Ins Co KY L 743,840 763,515 923,913 910,461 960,888

62650 Delta Life Ins Co GA L 720,965 782,253 813,927 855,853 884,749

80020 Mountain Life Ins Co TN L 690,791 825,997 894,113 919,939 972,199

64211 Guarantee Trust Life Ins Co IL L 582,922 1,505,258 1,908,634 2,675,253 4,110,332

71463 CICA Life Ins Co of Amer CO L 552,786 615,773 702,857 678,815 676,617

74233 First Natl Life Ins Co Of USA NE L 441,762 562,461 697,634 788,016 827,603

85677 Life Assur Co Inc OK L 439,700 507,099 633,107 737,523 807,405

70688 Transamerica Financial Life Ins Co NY L 422,744 998,069 3,656,553 2,149,694 5,912,288

77690 Trans City Life Ins Co AZ L 405,113 418,950 411,509 343,904 490,126





Business Type

Earned Premiums $

2018 2017 2016 2015 2014

79715 Cooperativa De Seguros De Vida PR L 346,839 391,788 406,672 214,748 328,889

71455 Financial Amer Life Ins Co KS L 295,905 845,509 1,696,010 2,983,046 4,941,349

74470 Rush Life Ins Co LA L 289,554 368,991 222,346 325,130 364,384

63126 American Nat Life Ins Co of NY NY L 267,507 0 0 0 0

77054 MAPFRE Life Ins Co of PR PR L 238,310 435,587 479,592 338,771 94,057

83992 Foundation Life Ins Co Of AR AR L 233,766 0 0 225,992 223,585

81477 Union Security Life Ins Co of NY NY L 227,351 662,645 829,291 867,334 938,499

60041 UNIVERSAL LIFE INS CO PR L 187,110 245,778 420,007 612,180 865,465

88536 Protective Life & Annuity Ins Co AL L 186,360 238,427 304,196 365,091 446,837

81779 Individual Assur Co Life Hlth & Acc OK L 174,535 467,859 999,792 1,700,116 3,094,816

42978 American Security Ins Co DE P 115,493 129,813 147,775 172,000 202,798

86118 Arkansas Bankers Life Ins Co AR L 85,381 106,755 115,287 128,248 157,646

75094 Life Ins Co Of LA LA L 73,302 78,376 93,873 111,009 119,623

42986 Standard Guar Ins Co DE P 65,696 75,199 86,486 143,863 200,509

72087 Multinational Life Ins Co PR L 64,932 76,023 85,994 97,327 118,533

92274 Landcar Life Ins Co UT L 61,701 182,654 380,989 653,274 1,029,575

79340 Pavonia Life Ins Co NY NY L 45,236 66,250 114,327 229,647 212,969

11162 Insurance Co of the South GA P 37,650 46,958 56,598 35,753 88,810

62383 Centurion Life Ins Co IA L 26,341 100,721 140,994 196,643 266,730

71390 Puritan Life Ins Co of Amer TX L 16,525 23,439 0 0 0

98868 Sheridan Life Ins Co OK L 9,542 9,858 21,085 19,240 23,354

60488 American Gen Life Ins Co TX L 7,390 36,156 101,207 -1,884,421 938,062

60895 American United Life Ins Co IN L 6,465 20,063 50,948 125,431 212,288

93815 Pacific Century Life Ins Corp AZ L 3,792 4,500 4,903 5,873 6,412

60534 American Heritage Life Ins Co FL L 1,622 52,615 257,702 716,928 5,257,581

70106 United States Life Ins Co in the Cit NY L 1,015 5,794 21,363 45,547 82,552

70435 The Savings Bank Mut Life Ins Co of MA L 332 526 287 2,587 3,216

68632 Vantis Life Ins Co CT L 239 549 -556 -107 -583

65757 Shelter Life Ins Co MO L 65 440 1,841 5,348 10,233

61409 National Benefit Life Ins Co NY L 48 5,031 45,512 245,711 592,578

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

10952 Transamerica Cas Ins Co IA P 0 268,268 297,650 334,490 355,435

13762 American Natl Lif Ins Co of NY NY L 0 654,734 140,342 0 0

19232 Allstate Ins Co IL P 0 0 0 0 0

30325 Zale Ind Co TX P 0 336,302 452,243 445,871 477,933

41211 Triton Ins Co TX P 0 0 0 115,944 317,499

60186 Allstate Life Ins Co IL L 0 0 0 0 0

61158 TRIPLE S BLUE PR L 0 0 0 0 0





Business Type

Earned Premiums $

2018 2017 2016 2015 2014

61506 Resource Life Ins Co IL L 0 0 0 -31,913 -21,143

61824 Cherokee Natl Life Ins Co GA L 0 0 0 0 0

62596 Union Fidelity Life Ins Co KS L 0 0 0 764 3,869

65021 Stonebridge Life Ins Co VT L 0 0 0 0 485,940

65560 Life Protection Ins Co TX L 0 0 11,156 90,056 347,249

65811 American Modern Life Ins Co OH L 0 2,182,285 4,741,928 5,844,849 7,182,986

65978 Metropolitan Life Ins Co NY L 0 0 0 0 0

66087 Mid West Natl Life Ins Co Of TN TX L 0 187 478 1,036 2,191

67261 Old Republic Life Ins Co IL L 0 0 0 33 1,651

68160 Balboa Life Ins Co CA L 0 0 0 0 0

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

68349 North Amer Ins Co WI L 0 0 0 493 -244

69477 Time Ins Co II PR L 0 0 0 1,450 1,240

69663 USAA Life Ins Co TX L 0 0 65 77 121

69973 United Life Ins Co IA L 0 0 0 0 104

70173 Universal Underwriters Life Ins Co KS L 0 0 0 0 -3,309

71323 Langhorne Reins AZ Ltd AZ L 0 524,011 686,922 716,183 780,300

74365 Southern Pioneer Life Ins Co AR L 0 812,655 760,725 807,363 830,408

75612 Gulf States Life Ins Co LA L 0 0 1,208 -33 8,120

76112 Oxford Life Ins Co AZ L 0 0 0 0 -87

77151 Service Life & Cas Ins Co TX L 0 0 1,633 82,527 461,461

79049 Alfa Life Ins Corp AL L 0 0 1,415 904 1,613

85090 Dearborn Natl Life Ins Co of NY NY L 0 0 0 130 194

87645 United Fidelity Life Ins Co TX L 0 0 388 522 1,479

88080 Omaha Hlth Ins Co NE L 0 0 0 0 0

88374 Commonwealth Dealers Life Ins Co VA L 0 0 0 0 222

89087 Enterprise Life Ins Co TX L 0 0 0 1,239 67,520

89958 Shelterpoint Ins Co FL L 0 0 0 0 0

92649 American Underwriters Life Ins Co AZ L 0 0 23,648 34,604 49,487

93521 General Fidelity Life Ins Co SC L 0 0 0 2,251 11,293

93650 Versant Life Ins Co MS L 0 0 189,940 202,349 503,312

94447 Century Life Ass Co OK L 0 0 11,732 25,319 53,204

97055 Mega Life & Hlth Ins Co The OK L 0 0 0 0 0

99465 Servco Life Ins Co TX L 0 0 0 25,285 176,255

110 COMPANIES IN REPORT - COUNTRYWIDE 799,671,646 839,012,092 865,775,951 878,034,164764,651,265





Business Type

Earned Premiums at Prima Facie Rates $

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

2018 20182017 20172016 20162015 20152014 2014

62626 CMFG Life Ins Co IA L -5.06-9.44-12.91-15.61-13.71401,097,062 418,643,390 406,219,637 378,492,695 355,369,76460518 American Hlth & Life Ins Co TX L 5.076.246.455.352.7880,627,335 58,750,662 60,457,876 63,318,544 64,561,33066168 Minnesota Life Ins Co MN L -5.00-5.32-5.37-5.39-7.6874,306,019 68,804,817 61,736,695 59,406,561 55,482,89197691 Life Of The South Ins Co GA L -0.61-0.62-0.29-0.21-1.1964,293,069 60,238,740 63,823,911 66,386,974 50,856,85061751 Central States H & L Co Of Omaha NE L 6.367.746.914.754.3630,373,344 35,145,242 37,108,658 38,294,817 39,292,32760739 American Natl Ins Co TX L -3.122.09-1.763.281.2925,059,360 26,044,547 23,086,065 22,599,748 24,046,38765951 Merit Life Ins Co TX L 3.694.827.0210.5811.2418,987,018 39,026,386 42,333,399 41,415,199 38,093,23897152 Plateau Ins Co TN L 0.120.510.942.362.1518,473,451 18,381,782 16,709,908 15,036,689 12,752,83393742 Securian Life Ins Co MN L -13.85-19.01-22.91-24.75-20.4510,287,455 6,772,947 5,962,420 5,193,705 5,750,24799538 SWBC Life Ins Co TX L 26.1122.3610.101.05-0.659,723,392 8,637,739 6,947,125 1,541,780 920,90368136 Protective Life Ins Co TN L 7.849.079.3912.5913.358,068,763 9,617,736 11,506,413 12,645,935 13,733,63467628 Pekin Life Ins Co IL L -0.200.660.280.770.138,019,118 8,401,763 8,176,579 7,578,047 7,003,64460275 American Bankers Life Assur Co Of FL FL L -3.42-4.96-7.15-0.01-5.777,994,684 12,903,142 19,584,878 33,744,465 51,162,73261298 Bankers Life Of LA LA L 0.000.000.000.000.007,907,966 8,220,603 8,651,084 8,474,698 7,643,25898736 American Federated Life Ins Co MS L 0.000.000.000.000.007,643,537 7,154,867 7,139,744 7,018,822 6,947,80760242 Southern Financial Life Ins Co KY L 0.000.000.000.000.005,704,396 5,314,058 5,081,368 4,840,698 4,144,98873156 Caribbean Amer Life Assur Co PR L 0.000.000.000.000.395,643,259 5,946,123 6,164,563 6,395,019 6,807,85576007 Old United Life Ins Co AZ L 9.158.618.127.707.553,919,543 4,256,456 4,446,398 4,443,836 4,336,94565480 Old Spartan Life Ins Co Inc SC L 0.000.000.000.000.003,760,671 3,832,358 4,408,864 4,854,104 5,819,07325178 State Farm Mut Auto Ins Co IL P 0.970.651.321.361.883,591,598 5,557,695 7,839,079 10,453,505 10,764,78134274 Central States Ind Co Of Omaha NE P -15.62-16.91-15.49-15.26-12.713,431,827 5,081,111 5,923,761 6,561,394 7,249,82710111 American Bankers Ins Co Of FL FL P 0.000.000.00-5.44-4.933,405,492 10,425,485 12,327,904 13,399,146 13,501,25364904 Investors Heritage Life Ins Co KY L 0.000.000.000.000.002,371,417 3,215,008 3,298,917 3,273,897 3,411,79366281 Transamerica Premier Life Ins Co IA L -21.44-21.98-17.42-55.61-34.662,229,136 6,358,458 8,320,398 12,439,794 10,320,40786231 Transamerica Life Ins Co IA L 6.835.225.39-21.0518.001,794,367 4,881,766 16,743,927 31,722,372 31,289,02093777 Pavonia Life Ins Co of MI MI L -5.07-1.462.06-5.0114.101,593,297 3,004,908 4,631,036 7,399,105 10,538,39260836 American Republic Ins Co IA L 0.081.571.210.604.041,517,570 1,719,488 2,086,753 2,107,256 2,606,75270548 Wichita Natl Life Ins Co OK L 0.000.000.000.000.00959,405 965,993 895,373 1,085,096 1,131,89363126 American Nat Life Ins Co of NY NY L NRNRNRNR-66.85806,958 0 0 0 077976 Gulf Guar Life Ins Co MS L 0.00-0.920.000.000.00779,448 830,720 946,271 980,366 1,028,92160244 Kentucky Home Life Ins Co KY L 0.080.000.000.000.00743,840 763,515 923,913 910,461 960,11462650 Delta Life Ins Co GA L 0.000.000.000.000.00720,965 782,253 813,927 855,853 884,74980020 Mountain Life Ins Co TN L 0.000.000.000.000.03690,591 825,997 894,113 919,939 972,19964211 Guarantee Trust Life Ins Co IL L 0.00-0.010.000.000.00582,922 1,505,261 1,908,638 2,675,648 4,110,33371463 CICA Life Ins Co of Amer CO L 0.000.000.000.000.00552,786 615,773 702,857 678,815 676,61781477 Union Security Life Ins Co of NY NY L -48.94-49.30-49.24-50.26-52.90482,706 1,332,238 1,633,823 1,710,641 1,838,11385677 Life Assur Co Inc OK L 0.000.000.000.000.00439,700 507,099 633,107 737,523 807,40574233 First Natl Life Ins Co Of USA NE L 0.000.000.0012.854.18424,048 498,397 697,634 788,016 827,60377690 Trans City Life Ins Co AZ L 0.000.000.000.000.00405,113 418,950 411,509 343,904 490,12670688 Transamerica Financial Life Ins Co NY L -16.6527.2415.96-44.7614.70368,564 1,806,892 3,153,231 1,689,488 7,093,50679715 Cooperativa De Seguros De Vida PR L 0.000.000.000.000.00346,839 391,788 406,672 214,748 328,889





Business Type



2018 20182017 20172016 20162015 20152014 2014

71455 Financial Amer Life Ins Co KS L 5.847.488.920.000.00295,905 845,509 1,557,139 2,775,343 4,668,60774470 Rush Life Ins Co LA L 0.000.000.000.000.00289,554 368,991 222,346 325,130 364,38488536 Protective Life & Annuity Ins Co AL L -10.42-20.97-19.29-24.16-28.75261,563 314,386 376,912 461,981 498,80683992 Foundation Life Ins Co Of AR AR L 0.000.00NRNR0.00233,766 0 0 225,992 223,58560041 UNIVERSAL LIFE INS CO PR L 0.000.000.000.000.00187,110 245,778 420,007 612,180 865,46581779 Individual Assur Co Life Hlth & Acc OK L -0.14-0.18-0.16-0.18-0.20174,883 468,711 1,001,363 1,703,192 3,099,05879340 Pavonia Life Ins Co NY NY L -24.93-28.05-49.67-64.85-66.17133,702 188,475 227,170 319,171 283,68142978 American Security Ins Co DE P 0.000.000.000.000.00115,493 129,813 147,775 172,000 202,79886118 Arkansas Bankers Life Ins Co AR L 0.000.000.000.000.0085,381 106,755 115,287 128,248 157,64675094 Life Ins Co Of LA LA L 0.000.000.000.000.0073,302 78,376 93,873 111,009 119,62342986 Standard Guar Ins Co DE P 0.000.000.000.000.0065,696 75,199 86,486 143,863 200,50972087 Multinational Life Ins Co PR L 0.000.000.000.000.0064,932 76,023 85,993 97,327 118,53377054 MAPFRE Life Ins Co of PR PR L -65.17-67.300.000.00499.4039,758 435,587 479,592 1,035,905 270,07511162 Insurance Co of the South GA P 0.000.000.000.000.0037,650 46,958 56,598 35,753 88,81062383 Centurion Life Ins Co IA L -0.140.000.000.000.0026,340 100,722 140,996 196,640 267,09371390 Puritan Life Ins Co of Amer TX L NRNRNR-0.490.0016,525 23,553 0 0 060488 American Gen Life Ins Co TX L 0.68-807.410.3675.98-36.4111,622 20,545 100,845 266,384 931,75298868 Sheridan Life Ins Co OK L 0.000.000.000.000.009,542 9,858 21,085 19,240 23,35460895 American United Life Ins Co IN L -13.22-9.98-4.62-5.72-14.377,550 21,281 53,415 139,332 244,64092274 Landcar Life Ins Co UT L 544.93865.03,916.668,442.95835.866,593 312 -20,972 -85,392 -231,40393815 Pacific Century Life Ins Corp AZ L 0.000.000.000.000.003,792 4,500 4,903 5,873 6,41260534 American Heritage Life Ins Co FL L -0.130.010.000.000.001,622 52,615 257,702 716,845 5,264,43670106 United States Life Ins Co in the Cit NY L -24.27-57.07-63.78-72.539.38928 21,091 58,978 106,101 109,00570435 The Savings Bank Mut Life Ins Co of MA L -19.16-19.16-19.1548.17-19.22411 355 355 3,200 3,97868632 Vantis Life Ins Co CT L 0.000.00-95.090.000.00239 549 -285 -107 -58365757 Shelter Life Ins Co MO L 0.000.000.000.000.0065 440 1,841 5,348 10,23361409 National Benefit Life Ins Co NY L 17.0411.03-11.30-11.31-11.2954 5,672 51,310 221,302 506,32362596 Union Fidelity Life Ins Co KS L 0.000.00NRNRNR0 0 0 764 3,86910952 Transamerica Cas Ins Co IA P -9.49-10.12-9.58-9.53NR0 296,514 329,201 372,159 392,71113762 American Natl Lif Ins Co of NY NY L NRNR-0.840.00NR0 654,735 141,524 0 061824 Cherokee Natl Life Ins Co GA L NRNRNRNRNR0 0 0 0 019232 Allstate Ins Co IL P NRNRNRNRNR0 0 0 0 061158 TRIPLE S BLUE PR L NRNRNRNRNR0 0 0 0 030325 Zale Ind Co TX P 0.000.000.000.00NR0 336,302 452,243 445,871 477,93341211 Triton Ins Co TX P 0.000.00NRNRNR0 0 0 115,944 317,49969973 United Life Ins Co IA L 0.00NRNRNRNR0 0 0 0 10460186 Allstate Life Ins Co IL L NRNRNRNRNR0 0 0 0 061506 Resource Life Ins Co IL L -23.290.00NRNRNR0 0 0 -31,912 -17,14975612 Gulf States Life Ins Co LA L 0.000.000.00NRNR0 0 1,208 -33 8,12099465 Servco Life Ins Co TX L 0.00-0.04NRNRNR0 0 0 25,295 176,25497055 Mega Life & Hlth Ins Co The OK L NRNRNRNRNR0 0 0 0 0





Business Type



2018 20182017 20172016 20162015 20152014 2014

94447 Century Life Ass Co OK L -0.110.00-1.92NRNR0 0 11,962 25,319 53,26393650 Versant Life Ins Co MS L 0.000.000.00NRNR0 0 189,940 202,349 503,31293521 General Fidelity Life Ins Co SC L -0.010.00NRNRNR0 0 0 2,251 11,29492649 American Underwriters Life Ins Co AZ L 0.000.000.00NRNR0 0 23,648 34,604 49,48789958 Shelterpoint Ins Co FL L NRNRNRNRNR0 0 0 0 089087 Enterprise Life Ins Co TX L 0.000.16NRNRNR0 0 0 1,237 67,52088374 Commonwealth Dealers Life Ins Co VA L 1.83NRNRNRNR0 0 0 0 21888080 Omaha Hlth Ins Co NE L NRNRNRNRNR0 0 0 0 087645 United Fidelity Life Ins Co TX L 0.000.000.00NRNR0 0 388 522 1,47985090 Dearborn Natl Life Ins Co of NY NY L 42.6541.30NRNRNR0 0 0 92 13679049 Alfa Life Ins Corp AL L -49.11-49.517.30NRNR0 0 1,318 1,791 3,16969477 Time Ins Co II PR L 0.000.00NRNRNR0 0 0 1,450 1,24068349 North Amer Ins Co WI L 0.180.00NRNRNR0 0 0 493 -24465560 Life Protection Ins Co TX L 25.0524.2423.48NRNR0 0 9,035 72,488 277,69865811 American Modern Life Ins Co OH L 5.345.756.24-0.34NR0 2,189,810 4,463,578 5,527,143 6,818,86265978 Metropolitan Life Ins Co NY L NRNRNRNRNR0 0 0 0 066087 Mid West Natl Life Ins Co Of TN TX L 0.000.000.000.00NR0 187 478 1,036 2,19167261 Old Republic Life Ins Co IL L 0.000.00NRNRNR0 0 0 33 1,65177151 Service Life & Cas Ins Co TX L 23.1523.5923.99NRNR0 0 1,317 66,776 374,70968241 Prudential Ins Co Of Amer NJ L NRNRNRNRNR0 0 0 0 076112 Oxford Life Ins Co AZ L 0.00NRNRNRNR0 0 0 0 -8710097 Balboa Life Ins Co Of NY NY L NRNRNRNRNR0 0 0 0 069663 USAA Life Ins Co TX L 3.420.000.00NRNR0 0 65 77 11770173 Universal Underwriters Life Ins Co KS L -1.07NRNRNRNR0 0 0 0 -3,27471323 Langhorne Reins AZ Ltd AZ L 0.000.000.00-0.19NR0 525,011 686,922 716,183 780,30074365 Southern Pioneer Life Ins Co AR L 0.000.000.000.00NR0 812,655 760,725 807,363 830,40865021 Stonebridge Life Ins Co VT L -12.03NRNRNRNR0 0 0 0 552,39468160 Balboa Life Ins Co CA L NRNRNRNRNR0 0 0 0 0

110 COMPANIES IN REPORT - COUNTRYWIDE 866,039,421 887,352,694 900,760,458 895,541,402 -7.01 -1.95-3.88-5.45-7.66822,272,011



EARNED PREMIUMS




# of Companies Reporting "Net Written Premiums" for Credit Insurance

CREDIT A&HBY STATE


Earned Premiums $Business Written in the

State Of 2018 20182017 20172016 20162015 20152014 2014

Alabama 24 26 27 30 20,559,919 20,031,036 19,561,389 18,747,16420 20,817,396

Alaska 14 14 14 17 510,189 602,775 718,440 924,77910 368,684

American Samoa 1 0 0 0 120

Arizona 22 21 21 28 2,987,728 3,329,007 3,754,123 3,958,44019 2,541,021

Arkansas 22 21 26 25 2,519,517 2,984,473 3,508,134 3,878,77919 2,219,316

California 16 15 14 17 10,357,328 11,210,351 12,029,360 13,047,09214 8,127,539

Colorado 23 26 28 30 3,837,561 4,333,999 4,803,359 5,091,86821 3,658,592

Connecticut 17 19 20 21 5,426,097 5,380,611 5,364,453 5,331,71914 4,884,590

Delaware 18 19 19 20 1,144,807 1,246,855 1,317,905 1,514,85215 988,201

District Of Columbia 11 11 11 11 1,634,026 1,799,183 2,034,343 2,040,7008 1,434,050

Florida 21 23 23 27 40,094,326 40,509,025 38,639,737 38,169,27518 40,137,844

Georgia 28 28 29 30 49,060,532 53,506,462 63,267,924 60,604,22423 49,478,163

Guam 5 5 6 6 262,318 251,307 231,039 188,5666 250,192

Hawaii 13 13 13 15 7,235,577 7,622,989 7,662,294 7,602,68612 7,004,645

Idaho 21 22 23 24 7,292,918 7,214,035 6,588,913 6,160,79918 7,877,055

Illinois 27 27 29 33 31,675,615 33,604,230 35,850,818 37,649,66625 28,142,912

Indiana 26 27 29 33 15,125,991 15,306,099 15,664,960 15,709,99324 14,306,941

Iowa 24 24 24 27 12,524,946 13,401,897 14,368,843 14,473,39721 11,570,277

Kansas 25 27 28 32 12,784,491 13,453,021 13,169,041 13,022,39724 12,158,725

Kentucky 19 18 20 23 22,597,948 24,747,170 25,173,888 24,623,62918 21,483,051

Louisiana 26 27 28 34 34,120,956 34,833,931 35,696,416 35,224,69322 33,735,210

Maine 18 18 18 18 4,491,114 5,114,699 5,364,251 5,644,70314 3,911,814

Maryland 20 22 24 23 8,011,900 9,451,757 9,992,213 10,517,32616 7,167,080

Massachusetts 15 16 17 20 3,798,717 4,111,179 4,655,880 5,364,96113 3,323,838

Michigan 27 27 27 31 35,798,433 34,894,227 34,489,833 32,583,28425 35,907,219

Minnesota 20 20 19 22 8,573,022 9,015,461 9,166,943 9,610,28019 8,379,141

Mississippi 22 24 27 29 24,016,573 24,228,491 24,060,720 24,336,11519 24,170,811

Missouri 31 33 35 37 12,522,911 13,353,303 14,819,300 14,941,60425 11,236,007

Montana 17 17 19 20 1,982,407 2,307,843 2,532,781 3,000,99914 1,763,476

Nebraska 23 22 22 25 4,454,208 5,237,437 6,058,092 6,521,55320 3,519,591

Nevada 17 16 17 19 1,264,624 1,319,788 1,378,832 1,355,99014 1,196,581

New Hampshire 15 16 17 18 10,632,500 11,100,897 10,969,563 12,379,88313 11,476,367

New Jersey 17 19 18 19 6,421,351 7,113,928 7,644,616 7,930,28314 5,597,294

New Mexico 24 27 27 31 6,748,030 7,737,922 7,968,333 8,174,01622 5,783,111

New York 15 15 14 14 49,495,206 49,653,467 44,921,778 46,669,95112 47,184,547

North Carolina 22 24 24 26 39,372,422 40,356,118 40,157,346 39,594,67719 41,013,757

North Dakota 17 17 19 19 4,503,291 5,013,058 5,355,763 5,306,50416 4,228,126

Northern Mariana Islands 3 2 2 3 87,083 71,683 67,308 59,1912 92,009

Ohio 29 29 29 31 24,098,811 26,306,675 27,199,797 27,005,68526 22,322,215


# of Companies Reporting "Net Written Premiums" for Credit Insurance

CREDIT A&HBY STATE


Earned Premiums $Business Written in the

State Of 2018 20182017 20172016 20162015 20152014 2014

Oklahoma 25 25 25 29 5,889,796 6,495,189 7,440,028 8,044,07620 5,436,681

Oregon 21 22 23 26 5,105,175 5,610,717 6,246,469 7,029,62119 4,948,285

Pennsylvania 26 26 25 26 26,142,059 28,670,653 31,527,511 36,229,09423 22,837,132

Puerto Rico 8 7 7 8 6,787,266 7,198,672 7,292,996 7,799,6028 6,226,355

Rhode Island 9 12 11 16 679,880 713,992 778,190 752,2467 582,835

South Carolina 19 22 21 26 23,265,129 23,991,092 25,048,135 28,138,16815 21,902,512

South Dakota 20 20 20 22 4,697,103 4,822,869 5,131,952 5,335,83817 4,262,668

Tennessee 28 28 29 33 25,640,532 25,791,495 25,416,055 25,403,04421 25,539,739

Texas 27 31 32 39 117,633,986 122,878,197 127,034,547 127,390,99425 113,462,933

US Virgin Islands 4 5 5 6 334,741 388,406 422,124 522,5663 300,151

Utah 23 25 23 22 9,480,678 10,833,059 10,380,621 8,887,77219 9,105,192

Vermont 15 14 15 16 1,386,074 1,439,943 1,633,862 1,988,19612 1,469,644

Virginia 23 25 25 26 20,851,950 22,386,632 23,453,885 22,404,64321 18,778,054

Washington 20 22 21 25 4,782,614 5,142,160 5,396,130 5,743,24914 4,201,922

West Virginia 23 23 23 24 4,184,923 4,702,850 5,334,138 5,216,18322 3,660,955

Wisconsin 25 27 26 29 13,664,873 14,940,513 15,596,630 16,525,35023 11,513,767

Wyoming 16 15 16 18 1,119,477 1,249,262 1,433,950 1,661,78914 965,055

Total 799,671,646 839,012,092 865,775,951 878,034,164764,651,265937 1,086 1,126 1,154 1,280


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 2018 20182017 20172016 20162015 20152014 2014

-5.71 -5.42 -4.60-4.87-4.93Alabama 21,739,140 21,069,960 20,563,093 19,651,51122,077,009

-0.15 -0.13 -0.12-0.17-0.16Alaska 510,861 603,726 719,668 925,896369,229

NR NR 0.00NRNRAmerican Samoa 0 0 0 120

0.05 1.50 6.266.165.13Arizona 2,943,711 3,166,465 3,536,140 3,725,3202,539,636

8.39 9.83 2.484.125.78Arkansas 2,294,114 2,821,421 3,369,413 3,784,9632,047,580

-33.50 -27.87 -24.02-31.72-31.07California 14,358,678 16,262,662 17,618,189 17,171,24712,221,656

-25.46 -24.68 -5.28-5.80-17.24Colorado 5,094,787 5,236,929 5,099,072 5,375,5074,908,545

-4.90 -16.84 2.74-18.00-15.68Connecticut 6,524,843 6,380,996 6,541,763 5,189,5125,136,025

-14.20 -11.55 -5.64-11.33-12.79Delaware 1,294,268 1,429,735 1,486,288 1,605,3421,151,759

-2.44 -0.75 9.8510.960.27District Of Columbia 1,646,340 1,794,403 1,833,367 1,857,7621,469,867

-9.51 -8.12 -5.78-6.07-7.24Florida 43,638,539 43,671,034 41,137,544 40,509,88344,354,859

0.62 -0.85 -0.59-0.58-0.62Georgia 49,479,687 53,840,837 63,637,773 60,962,28449,171,184

0.00 0.00 0.000.000.00Guam 262,316 251,308 231,040 188,564250,192

-4.59 6.06 6.926.575.97Hawaii 6,822,171 7,193,755 7,190,020 7,110,7247,341,823

-14.50 -12.56 -3.03-2.84-10.54Idaho 8,340,651 8,064,279 6,781,227 6,353,5609,213,178

-9.60 -16.15 -1.150.61-2.69Illinois 37,776,972 34,531,544 35,634,819 38,089,17231,131,343

17.66 7.43 8.528.338.68Indiana 14,080,395 14,083,336 14,460,950 14,476,57512,159,094

-0.19 -0.20 0.032.52-0.02Iowa 12,550,502 13,404,761 14,015,457 14,468,36011,592,427

-16.13 -14.75 -12.85-13.91-14.18Kansas 14,996,553 15,675,444 15,295,948 14,942,27614,496,312

-3.88 -10.05 -4.94-8.04-1.80Kentucky 25,121,998 25,200,022 27,374,847 25,904,52022,351,155

4.57 5.32 8.885.385.38Louisiana 32,398,258 33,054,235 33,874,245 32,350,76132,259,950

-17.84 -16.16 -11.06-13.64-15.23Maine 5,356,614 6,033,651 6,211,566 6,346,8394,761,308

-44.09 -49.90 -31.64-35.83-36.99Maryland 15,990,588 15,001,026 15,570,538 15,385,92412,818,299

-3.87 -7.90 -8.98-10.443.46Massachusetts 4,124,655 3,973,881 5,198,450 5,894,1883,457,728

-7.96 -6.04 0.93-3.35-5.60Michigan 38,101,554 36,963,052 35,685,281 32,282,60239,012,850

7.21 4.95 7.454.885.40Minnesota 8,168,310 8,553,319 8,740,800 8,944,2837,815,624

-11.68 -7.32 -7.36-8.25-9.15Mississippi 25,913,626 26,667,436 26,223,317 26,269,99127,367,671

0.19 -3.70 1.78-0.74-3.38Missouri 13,004,566 13,820,143 14,929,592 14,680,19811,215,020

-9.36 -7.35 -1.58-3.23-4.71Montana 2,139,600 2,421,821 2,617,221 3,049,1721,945,659

-2.44 0.79 -0.04-2.093.24Nebraska 4,419,175 5,073,207 6,187,656 6,524,4313,607,667

4.31 5.50 4.246.015.67Nevada 1,198,687 1,248,930 1,300,677 1,300,7731,147,152

-30.87 -46.04 -20.23-19.32-41.65New Hampshire 19,705,875 19,023,138 13,595,997 15,519,14416,600,429

4.59 4.38 5.23-5.67-7.98New Jersey 6,151,840 7,730,542 8,103,795 7,535,7915,351,685

15.06 12.51 5.386.2610.50New Mexico 5,997,595 7,002,458 7,498,572 7,757,0565,026,274

-34.01 -34.16 -29.52-30.31-31.99New York 75,172,597 73,009,544 64,461,048 66,219,50571,503,393

-2.08 -0.99 -1.04-1.06-1.62North Carolina 39,765,401 41,022,196 40,586,836 40,012,43541,884,808

-0.03 0.02 -0.020.01-1.42North Dakota 4,502,263 5,085,023 5,355,458 5,307,6844,229,248

0.00 0.00 0.000.000.00Northern Mariana Islands 87,083 71,683 67,308 59,19192,009

6.75 9.39 9.764.5710.20Ohio 22,030,821 23,871,477 26,011,353 24,603,81320,911,583


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 2018 20182017 20172016 20162015 20152014 2014

-2.20 -2.30 -1.55-1.03-1.82Oklahoma 6,028,270 6,615,401 7,517,270 8,170,5675,558,793

-4.84 -3.64 5.995.323.07Oregon 5,298,218 5,443,544 5,930,980 6,632,3735,199,841

2.90 3.99 5.53-3.304.65Pennsylvania 25,138,558 27,396,296 32,604,322 34,329,49022,194,059

3.43 0.00 -2.27-8.830.00Puerto Rico 6,787,266 7,198,671 7,999,768 7,981,0796,020,119

24.96 22.17 37.4430.4125.60Rhode Island 556,512 568,446 596,746 547,308466,402

-0.64 -1.18 -4.472.34-0.16South Carolina 23,543,159 24,029,940 24,474,668 29,454,85622,043,259

-10.26 -9.46 -7.34-7.82-8.99South Dakota 5,188,120 5,299,304 5,567,196 5,758,5284,749,955

-40.67 -38.67 -6.15-24.95-34.43Tennessee 41,809,973 39,331,653 33,865,148 27,067,42543,050,139

14.62 15.86 14.5115.3616.56Texas 101,532,040 105,418,664 110,122,948 111,250,48898,993,009

4.98 -0.05 1.062.34-0.03US Virgin Islands 334,921 388,505 412,487 517,107285,904

-25.53 -20.94 -8.09-24.05-26.65Utah 11,991,815 14,769,374 13,666,921 9,670,23812,226,092

-18.96 -32.00 -15.73-18.33-17.51Vermont 2,038,468 1,745,697 2,000,619 2,359,2051,813,430

12.44 4.46 5.876.548.21Virginia 19,961,662 20,687,337 22,014,074 21,162,48816,700,211

0.36 4.98 7.596.006.62Washington 4,555,543 4,822,902 5,090,724 5,338,1464,186,790

3.15 6.19 21.5923.219.24West Virginia 3,941,147 4,305,027 4,329,455 4,289,9803,549,073

25.14 9.90 -2.858.448.24Wisconsin 12,434,154 13,803,526 14,382,115 17,009,5819,200,857

-7.46 -6.24 -0.24-0.332.48Wyoming 1,193,960 1,219,029 1,438,690 1,665,7711,042,846

Total 866,039,421 887,352,694 900,760,458 895,541,402 -7.01 -7.66 -5.45 -3.88 -1.95822,272,011









Business Type



2018 2017 2016 2015 2014

62626 CMFG Life Ins Co IA L 344,555,675 352,389,331 353,151,875 340,545,414 335,670,358

60518 American Hlth & Life Ins Co TX L 153,275,596 97,785,848 45,904,433 68,864,384 73,419,368

66168 Minnesota Life Ins Co MN L 73,991,003 75,266,470 63,346,790 58,919,693 55,726,638

97691 Life Of The South Ins Co GA L 67,435,030 61,633,863 63,971,127 74,113,141 57,309,982

60739 American Natl Ins Co TX L 22,691,456 24,753,361 23,371,262 22,528,808 22,922,421

97152 Plateau Ins Co TN L 18,148,120 19,661,201 19,735,748 18,192,255 15,655,241

61751 Central States H & L Co Of Omaha NE L 17,714,206 24,138,899 32,800,201 39,441,877 44,968,263

99538 SWBC Life Ins Co TX L 9,723,496 8,561,105 7,636,191 1,951,742 1,408,156

93742 Securian Life Ins Co MN L 8,591,972 6,291,882 4,828,640 4,075,972 5,040,280

98736 American Federated Life Ins Co MS L 8,501,135 7,443,016 6,997,373 7,076,412 7,321,110

61298 Bankers Life Of LA LA L 7,794,923 8,283,166 8,339,379 9,063,001 8,007,613

67628 Pekin Life Ins Co IL L 7,112,364 7,707,134 8,872,940 8,612,501 8,573,716

60275 American Bankers Life Assur Co Of FL FL L 6,777,383 9,745,308 12,381,060 19,399,795 38,834,605

60242 Southern Financial Life Ins Co KY L 6,090,628 5,573,719 5,365,943 5,136,411 4,410,700

73156 Caribbean Amer Life Assur Co PR L 5,412,913 4,838,025 5,496,652 5,676,143 5,632,664

68136 Protective Life Ins Co TN L 5,314,924 6,866,962 9,279,861 11,760,588 12,749,523

65480 Old Spartan Life Ins Co Inc SC L 3,794,095 3,725,680 4,182,033 4,806,230 5,230,292

10111 American Bankers Ins Co Of FL FL P 3,237,547 9,858,389 12,327,903 13,399,144 13,501,254

76007 Old United Life Ins Co AZ L 3,042,734 3,540,178 4,686,108 4,267,646 5,440,959

34274 Central States Ind Co Of Omaha NE P 2,995,729 4,305,550 5,006,166 5,451,911 6,117,417

93777 Pavonia Life Ins Co of MI MI L 1,817,935 2,854,449 4,725,780 7,290,878 9,989,919

64904 Investors Heritage Life Ins Co KY L 1,652,264 2,634,518 3,289,063 3,389,788 3,374,980

60836 American Republic Ins Co IA L 1,401,377 1,658,123 2,025,378 1,905,306 1,992,662

63126 American Nat Life Ins Co of NY NY L 940,493 0 0 0 0

70548 Wichita Natl Life Ins Co OK L 899,037 980,747 864,314 984,489 1,154,829

77976 Gulf Guar Life Ins Co MS L 874,778 691,448 820,140 947,397 945,413

62650 Delta Life Ins Co GA L 687,331 780,407 800,383 842,102 876,902

80020 Mountain Life Ins Co TN L 630,289 679,461 821,522 966,823 878,522

60244 Kentucky Home Life Ins Co KY L 562,225 667,807 811,632 938,191 806,961

71463 CICA Life Ins Co of Amer CO L 453,488 602,229 623,728 711,748 692,130

85677 Life Assur Co Inc OK L 358,333 376,074 355,710 595,433 765,822

77690 Trans City Life Ins Co AZ L 328,528 434,633 493,935 395,245 447,995

83992 Foundation Life Ins Co Of AR AR L 289,258 0 0 161,081 0

74233 First Natl Life Ins Co Of USA NE L 285,001 361,809 431,141 703,267 732,927

74470 Rush Life Ins Co LA L 227,746 0 303,970 336,504 333,159

81477 Union Security Life Ins Co of NY NY L 227,351 662,645 829,291 867,334 921,736

42978 American Security Ins Co DE P 115,493 129,813 147,775 172,000 202,798

86118 Arkansas Bankers Life Ins Co AR L 85,381 106,755 115,287 128,248 157,646




Business Type



2018 2017 2016 2015 2014

79715 Cooperativa De Seguros De Vida PR L 82,305 109,048 68,897 214,748 328,889

42986 Standard Guar Ins Co DE P 65,696 75,199 86,486 143,863 200,509

72087 Multinational Life Ins Co PR L 64,932 76,023 85,464 96,797 114,573

75094 Life Ins Co Of LA LA L 62,701 66,271 38,738 60,631 133,892

79340 Pavonia Life Ins Co NY NY L 45,236 66,250 114,327 229,647 211,730

77054 MAPFRE Life Ins Co of PR PR L 39,758 91,551 483,556 1,035,905 270,075

88536 Protective Life & Annuity Ins Co AL L 37,020 72,236 162,777 184,956 234,641

11162 Insurance Co of the South GA P 33,056 44,645 53,192 0 84,061

62383 Centurion Life Ins Co IA L 26,341 100,721 140,994 196,184 262,491

98868 Sheridan Life Ins Co OK L 13,155 4,185 10,741 2,437 18,915

60041 UNIVERSAL LIFE INS CO PR L 6,256 -97,834 -193,249 -557,109 771,553

60895 American United Life Ins Co IN L 5,039 13,242 35,313 91,886 154,654

60488 American Gen Life Ins Co TX L 4,971 20,640 48,003 -2,006,646 652,689

93815 Pacific Century Life Ins Corp AZ L 3,792 4,500 4,903 5,873 6,412

70106 United States Life Ins Co in the Cit NY L 628 898 2,635 -1,223 -2,300

79049 Alfa Life Ins Corp AL L 0 0 0 -8 -78

19232 Allstate Ins Co IL P 0 0 0 0 0

60186 Allstate Life Ins Co IL L 0 0 0 0 0

65811 American Modern Life Ins Co OH L 0 563,938 3,921,253 5,576,930 6,506,340

13762 American Natl Lif Ins Co of NY NY L 0 959,828 374,699 0 0

92649 American Underwriters Life Ins Co AZ L 0 0 7,065 7,697 38,107

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

94447 Century Life Ass Co OK L 0 0 2,144 -837 -8,509

61824 Cherokee Natl Life Ins Co GA L 0 0 0 0 0

88374 Commonwealth Dealers Life Ins Co VA L 0 0 0 0 0

85090 Dearborn Natl Life Ins Co of NY NY L 0 0 0 0 0

89087 Enterprise Life Ins Co TX L 0 0 0 -43 -7,781

93521 General Fidelity Life Ins Co SC L 0 0 0 0 -188

75612 Gulf States Life Ins Co LA L 0 0 0 -33 -2,178

71323 Langhorne Reins AZ Ltd AZ L 0 524,011 686,922 716,183 780,300

65560 Life Protection Ins Co TX L 0 0 -3,078 -30,075 89,424

97055 Mega Life & Hlth Ins Co The OK L 0 0 0 0 0

65978 Metropolitan Life Ins Co NY L 0 0 0 0 0

66087 Mid West Natl Life Ins Co Of TN TX L 0 0 0 -25 0

61409 National Benefit Life Ins Co NY L 0 -209 -14,880 28,509 24,424

68349 North Amer Ins Co WI L 0 0 0 0 -4,071

67261 Old Republic Life Ins Co IL L 0 0 0 0 -960




Business Type



2018 2017 2016 2015 2014

88080 Omaha Hlth Ins Co NE L 0 0 0 0 0

76112 Oxford Life Ins Co AZ L 0 0 0 0 -87

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

71390 Puritan Life Ins Co of Amer TX L 0 7,699 0 0 0

61506 Resource Life Ins Co IL L 0 0 0 -31,996 -34,159

99465 Servco Life Ins Co TX L 0 0 0 -681 -20,005

77151 Service Life & Cas Ins Co TX L 0 0 -39 -4,121 -111,070

65757 Shelter Life Ins Co MO L 0 0 0 -1,209 -6,646

89958 Shelterpoint Ins Co FL L 0 0 0 0 0

74365 Southern Pioneer Life Ins Co AR L 0 775,457 688,907 738,879 900,922

65021 Stonebridge Life Ins Co VT L 0 0 0 0 485,940

70435 The Savings Bank Mut Life Ins Co of MA L 0 -57 -49 -177 -1,017

69477 Time Ins Co II PR L 0 0 0 1,450 987

10952 Transamerica Cas Ins Co IA P 0 268,268 297,650 334,490 355,435

61158 TRIPLE S BLUE PR L 0 0 0 0 0

41211 Triton Ins Co TX P 0 0 0 115,944 317,499

62596 Union Fidelity Life Ins Co KS L 0 0 0 0 -38

87645 United Fidelity Life Ins Co TX L 0 0 -150 0 -559

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

70173 Universal Underwriters Life Ins Co KS L 0 0 0 0 -3,591

69663 USAA Life Ins Co TX L 0 0 0 0 0

93650 Versant Life Ins Co MS L 0 0 189,940 202,349 164,331

30325 Zale Ind Co TX P 0 336,302 452,243 445,871 477,933

68632 Vantis Life Ins Co CT L -97 -82 -285 -107 -2,102

92274 Landcar Life Ins Co UT L -424 -5,644 -21,803 -71,261 -190,283

60534 American Heritage Life Ins Co FL L -579 -671 -18,294 -87,088 -303,411

71455 Financial Amer Life Ins Co KS L -16,239 -68,646 -258,624 -653,737 -1,543,922

66281 Transamerica Premier Life Ins Co IA L -16,877 -394,782 2,445,431 9,995,232 8,345,610

81779 Individual Assur Co Life Hlth & Acc OK L -34,469 -145,389 134,058 644,659 2,123,862

64211 Guarantee Trust Life Ins Co IL L -43,710 325,183 274,009 754,490 1,557,505

70688 Transamerica Financial Life Ins Co NY L -116,713 -201,368 2,744,980 1,653,542 5,689,648

86231 Transamerica Life Ins Co IA L -206,096 368,266 12,910,399 31,274,245 32,828,005

25178 State Farm Mut Auto Ins Co IL P -446,830 -1,182,426 -2,973,805 677,776 12,862,216

65951 Merit Life Ins Co TX L -16,658,954 11,589,383 48,016,469 54,508,358 57,615,505

770,356,641 786,138,671 851,112,056 884,581,084COMPANIES IN REPORT - COUNTRYWIDE110 770,987,136




Business Type




2018 20182017 20172016 20162015 20152014 2014

62626 CMFG Life Ins Co IA L -2.22 -0.22 3.70 1.45 3.22 44.69 45.74 44.92 40.01 37.95

60518 American Hlth & Life Ins Co TX L 56.75 113.02 -33.34 -6.20 -2.67 19.88 12.69 5.84 8.09 8.30

66168 Minnesota Life Ins Co MN L -1.69 18.82 7.51 5.73 8.42 9.60 9.77 8.06 6.92 6.30

97691 Life Of The South Ins Co GA L 9.41 -3.65 -13.68 29.32 26.51 8.75 8.00 8.14 8.71 6.48

60739 American Natl Ins Co TX L -8.33 5.91 3.74 -1.72 -0.55 2.94 3.21 2.97 2.65 2.59

97152 Plateau Ins Co TN L -7.70 -0.38 8.48 16.21 22.36 2.35 2.55 2.51 2.14 1.77

61751 Central States H & L Co Of Omaha NE L -26.62 -26.41 -16.84 -12.29 -4.90 2.30 3.13 4.17 4.63 5.08

99538 SWBC Life Ins Co TX L 13.58 12.11 291.25 38.60 44.67 1.26 1.11 0.97 0.23 0.16

93742 Securian Life Ins Co MN L 36.56 30.30 18.47 -19.13 1.29 1.11 0.82 0.61 0.48 0.57

98736 American Federated Life Ins Co MS L 14.22 6.37 -1.12 -3.34 10.35 1.10 0.97 0.89 0.83 0.83

61298 Bankers Life Of LA LA L -5.89 -0.67 -7.98 13.18 5.25 1.01 1.08 1.06 1.06 0.91

67628 Pekin Life Ins Co IL L -7.72 -13.14 3.02 0.45 2.98 0.92 1.00 1.13 1.01 0.97

60275 American Bankers Life Assur Co Of FL FL L -30.45 -21.29 -36.18 -50.05 -32.04 0.88 1.27 1.57 2.28 4.39

60242 Southern Financial Life Ins Co KY L 9.27 3.87 4.47 16.45 5.37 0.79 0.72 0.68 0.60 0.50

73156 Caribbean Amer Life Assur Co PR L 11.88 -11.98 -3.16 0.77 -16.47 0.70 0.63 0.70 0.67 0.64

68136 Protective Life Ins Co TN L -22.60 -26.00 -21.09 -7.76 -12.60 0.69 0.89 1.18 1.38 1.44

65480 Old Spartan Life Ins Co Inc SC L 1.84 -10.91 -12.99 -8.11 -26.20 0.49 0.48 0.53 0.56 0.59

10111 American Bankers Ins Co Of FL FL P -67.16 -20.03 -7.99 -0.76 -5.20 0.42 1.28 1.57 1.57 1.53

76007 Old United Life Ins Co AZ L -14.05 -24.45 9.81 -21.56 0.15 0.39 0.46 0.60 0.50 0.62

34274 Central States Ind Co Of Omaha NE P -30.42 -14.00 -8.18 -10.88 -9.81 0.39 0.56 0.64 0.64 0.69

93777 Pavonia Life Ins Co of MI MI L -36.31 -39.60 -35.18 -27.02 -24.53 0.24 0.37 0.60 0.86 1.13

64904 Investors Heritage Life Ins Co KY L -37.28 -19.90 -2.97 0.44 2.28 0.21 0.34 0.42 0.40 0.38

60836 American Republic Ins Co IA L -15.48 -18.13 6.30 -4.38 -12.76 0.18 0.22 0.26 0.22 0.23

63126 American Nat Life Ins Co of NY NY L NR NR NR NR NR 0.12 0.00 0.00 0.00 0.00

70548 Wichita Natl Life Ins Co OK L -8.33 13.47 -12.21 -14.75 7.78 0.12 0.13 0.11 0.12 0.13

77976 Gulf Guar Life Ins Co MS L 26.51 -15.69 -13.43 0.21 -9.33 0.11 0.09 0.10 0.11 0.11

62650 Delta Life Ins Co GA L -11.93 -2.50 -4.95 -3.97 -1.09 0.09 0.10 0.10 0.10 0.10

80020 Mountain Life Ins Co TN L -7.24 -17.29 -15.03 10.05 -9.90 0.08 0.09 0.10 0.11 0.10

60244 Kentucky Home Life Ins Co KY L -15.81 -17.72 -13.49 16.26 -0.59 0.07 0.09 0.10 0.11 0.09

71463 CICA Life Ins Co of Amer CO L -24.70 -3.45 -12.37 2.83 -0.38 0.06 0.08 0.08 0.08 0.08

85677 Life Assur Co Inc OK L -4.72 5.72 -40.26 -22.25 -2.92 0.05 0.05 0.05 0.07 0.09

77690 Trans City Life Ins Co AZ L -24.41 -12.01 24.97 -11.77 8.94 0.04 0.06 0.06 0.05 0.05

83992 Foundation Life Ins Co Of AR AR L NR NR -100.00 NR -100.00 0.04 0.00 0.00 0.02 0.00

74233 First Natl Life Ins Co Of USA NE L -21.23 -16.08 -38.69 -4.05 -2.21 0.04 0.05 0.05 0.08 0.08

74470 Rush Life Ins Co LA L NR -100.00 -9.67 1.00 -12.68 0.03 0.00 0.04 0.04 0.04

81477 Union Security Life Ins Co of NY NY L -65.69 -20.09 -4.39 -5.90 -22.41 0.03 0.09 0.11 0.10 0.10

42978 American Security Ins Co DE P -11.03 -12.15 -14.08 -15.19 -38.52 0.01 0.02 0.02 0.02 0.02

86118 Arkansas Bankers Life Ins Co AR L -20.02 -7.40 -10.11 -18.65 NR 0.01 0.01 0.01 0.02 0.02

79715 Cooperativa De Seguros De Vida PR L -24.52 58.28 -67.92 -34.71 -36.82 0.01 0.01 0.01 0.03 0.04

42986 Standard Guar Ins Co DE P -12.64 -13.05 -39.88 -28.25 -21.39 0.01 0.01 0.01 0.02 0.02




Business Type




2018 20182017 20172016 20162015 20152014 2014

72087 Multinational Life Ins Co PR L -14.59 -11.05 -11.71 -15.51 -16.71 0.01 0.01 0.01 0.01 0.01

75094 Life Ins Co Of LA LA L -5.39 71.07 -36.11 -54.72 -16.60 0.01 0.01 0.00 0.01 0.02

79340 Pavonia Life Ins Co NY NY L -31.72 -42.05 -50.22 8.46 -41.36 0.01 0.01 0.01 0.03 0.02

77054 MAPFRE Life Ins Co of PR PR L -56.57 -81.07 -53.32 283.56 179.94 0.01 0.01 0.06 0.12 0.03

88536 Protective Life & Annuity Ins Co AL L -48.75 -55.62 -11.99 -21.17 -28.07 0.00 0.01 0.02 0.02 0.03

11162 Insurance Co of the South GA P -25.96 -16.07 NR -100.00 -16.42 0.00 0.01 0.01 0.00 0.01

62383 Centurion Life Ins Co IA L -73.85 -28.56 -28.13 -25.26 -38.18 0.00 0.01 0.02 0.02 0.03

98868 Sheridan Life Ins Co OK L 214.34 -61.04 340.75 -87.12 352.84 0.00 0.00 0.00 0.00 0.00

60041 UNIVERSAL LIFE INS CO PR L 106.39 49.37 65.31 -172.21 -54.78 0.00 -0.01 -0.02 -0.07 0.09

60895 American United Life Ins Co IN L -61.95 -62.50 -61.57 -40.59 -37.70 0.00 0.00 0.00 0.01 0.02

60488 American Gen Life Ins Co TX L -75.92 -57.00 102.39 -407.44 14.58 0.00 0.00 0.01 -0.24 0.07

93815 Pacific Century Life Ins Corp AZ L -15.73 -8.22 -16.52 -8.41 -3.27 0.00 0.00 0.00 0.00 0.00

70106 United States Life Ins Co in the Cit NY L -30.07 -65.92 315.45 46.83 92.24 0.00 0.00 0.00 0.00 0.00

79049 Alfa Life Ins Corp AL L NR 100.00 95.13 90.30 92.73 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

65811 American Modern Life Ins Co OH L -100.00 -85.62 -29.69 -14.28 0.95 0.00 0.07 0.50 0.66 0.74

13762 American Natl Lif Ins Co of NY NY L -100.00 156.16 NR NR NR 0.00 0.12 0.05 0.00 0.00

92649 American Underwriters Life Ins Co AZ L NR -100.00 -8.21 -79.80 NR 0.00 0.00 0.00 0.00 0.00

68160 Balboa Life Ins Co CA L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.00

10097 Balboa Life Ins Co Of NY NY L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.00

94447 Century Life Ass Co OK L NR -100.00 356.15 90.16 -227.99 0.00 0.00 0.00 0.00 0.00

61824 Cherokee Natl Life Ins Co GA L NR NR NR NR -100.00 0.00 0.00 0.00 0.00 0.00

88374 Commonwealth Dealers Life Ins Co VA L NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.00

85090 Dearborn Natl Life Ins Co of NY NY L NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.00

89087 Enterprise Life Ins Co TX L NR NR 100.00 99.45 90.14 0.00 0.00 0.00 0.00 0.00

93521 General Fidelity Life Ins Co SC L NR NR NR 100.00 97.09 0.00 0.00 0.00 0.00 0.00

75612 Gulf States Life Ins Co LA L NR NR 100.00 98.49 92.60 0.00 0.00 0.00 0.00 0.00

71323 Langhorne Reins AZ Ltd AZ L -100.00 -23.72 -4.09 -8.22 -1.54 0.00 0.07 0.09 0.08 0.09

65560 Life Protection Ins Co TX L NR 100.00 89.77 -133.63 -80.11 0.00 0.00 0.00 0.00 0.01

97055 Mega Life & Hlth Ins Co The OK L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.00

65978 Metropolitan Life Ins Co NY L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.00

66087 Mid West Natl Life Ins Co Of TN TX L NR NR 100.00 NR 100.00 0.00 0.00 0.00 0.00 0.00

61409 National Benefit Life Ins Co NY L 100.00 98.60 -152.19 16.73 106.88 0.00 0.00 0.00 0.00 0.00

68349 North Amer Ins Co WI L NR NR NR 100.00 14.39 0.00 0.00 0.00 0.00 0.00

67261 Old Republic Life Ins Co IL L NR NR NR 100.00 -2,426.32 0.00 0.00 0.00 0.00 0.00

88080 Omaha Hlth Ins Co NE L NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.00

76112 Oxford Life Ins Co AZ L NR NR NR 100.00 57.26 0.00 0.00 0.00 0.00 0.00

68241 Prudential Ins Co Of Amer NJ L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.00

71390 Puritan Life Ins Co of Amer TX L -100.00 NR NR NR NR 0.00 0.00 0.00 0.00 0.00




Business Type




2018 20182017 20172016 20162015 20152014 2014

61506 Resource Life Ins Co IL L NR NR 100.00 6.33 2.97 0.00 0.00 0.00 0.00 0.00

99465 Servco Life Ins Co TX L NR NR 100.00 96.60 62.12 0.00 0.00 0.00 0.00 0.00

77151 Service Life & Cas Ins Co TX L NR 100.00 99.05 96.29 29.55 0.00 0.00 0.00 0.00 -0.01

65757 Shelter Life Ins Co MO L NR NR 100.00 81.81 15.34 0.00 0.00 0.00 0.00 0.00

89958 Shelterpoint Ins Co FL L NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.00

74365 Southern Pioneer Life Ins Co AR L -100.00 12.56 -6.76 -17.99 74.52 0.00 0.10 0.09 0.09 0.10

65021 Stonebridge Life Ins Co VT L NR NR NR -100.00 -20.74 0.00 0.00 0.00 0.00 0.05

70435 The Savings Bank Mut Life Ins Co of MA L 100.00 -16.33 72.32 82.60 -124.89 0.00 0.00 0.00 0.00 0.00

69477 Time Ins Co II PR L NR NR -100.00 46.91 -50.60 0.00 0.00 0.00 0.00 0.00

10952 Transamerica Cas Ins Co IA P -100.00 -9.87 -11.01 -5.89 -12.37 0.00 0.03 0.04 0.04 0.04

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 NR NR -100.00 -63.48 -27.94 0.00 0.00 0.00 0.01 0.04

62596 Union Fidelity Life Ins Co KS L NR NR NR 100.00 70.84 0.00 0.00 0.00 0.00 0.00

87645 United Fidelity Life Ins Co TX L NR 100.00 NR 100.00 72.08 0.00 0.00 0.00 0.00 0.00

69973 United Life Ins Co IA L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.00

70173 Universal Underwriters Life Ins Co KS L NR NR NR 100.00 63.38 0.00 0.00 0.00 0.00 0.00

69663 USAA Life Ins Co TX L NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.00

93650 Versant Life Ins Co MS L NR -100.00 -6.13 23.14 51.11 0.00 0.00 0.02 0.02 0.02

30325 Zale Ind Co TX P -100.00 -25.64 1.43 -6.71 2.39 0.00 0.04 0.06 0.05 0.05

68632 Vantis Life Ins Co CT L -18.29 71.23 -166.36 94.91 -8,308.00 0.00 0.00 0.00 0.00 0.00

92274 Landcar Life Ins Co UT L 92.49 74.11 69.40 62.55 -125.30 0.00 0.00 0.00 -0.01 -0.02

60534 American Heritage Life Ins Co FL L 13.71 96.33 78.99 71.30 54.81 0.00 0.00 0.00 -0.01 -0.03

71455 Financial Amer Life Ins Co KS L 76.34 73.46 60.44 57.66 -139.32 0.00 -0.01 -0.03 -0.08 -0.17

66281 Transamerica Premier Life Ins Co IA L 95.73 -116.14 -75.53 19.77 -23.34 0.00 -0.05 0.31 1.17 0.94

81779 Individual Assur Co Life Hlth & Acc OK L 76.29 -208.45 -79.20 -69.65 -38.53 0.00 -0.02 0.02 0.08 0.24

64211 Guarantee Trust Life Ins Co IL L -113.44 18.68 -63.68 -51.56 -51.31 -0.01 0.04 0.03 0.09 0.18

70688 Transamerica Financial Life Ins Co NY L 42.04 -107.34 66.01 -70.94 -6.64 -0.02 -0.03 0.35 0.19 0.64

86231 Transamerica Life Ins Co IA L -155.96 -97.15 -58.72 -4.73 -0.29 -0.03 0.05 1.64 3.67 3.71

25178 State Farm Mut Auto Ins Co IL P 62.21 60.24 -538.76 -94.73 -10.94 -0.06 -0.15 -0.38 0.08 1.45

65951 Merit Life Ins Co TX L -243.74 -75.86 -11.91 -5.39 20.66 -2.16 1.50 6.11 6.40 6.51

COMPANIES IN REPORT - COUNTRYWIDE110 0.08 -2.01 -7.63 -3.78 -0.85 100.00100.00100.00100.00100.00







CREDIT A&HBY STATE2018 CREDIT EXPERIENCE REPORT

Net Written Premiums - By State



Alabama 24 26 27 30 21,554,532 19,445,255 19,898,686 19,544,12121,646,73020

Alaska 14 14 14 17 280,111 462,765 661,171 911,013166,70010

American Samoa 1 0 0 0 -40

Arizona 22 21 21 28 2,643,064 3,072,708 3,886,461 4,483,0062,655,01119

Arkansas 22 21 26 25 1,851,437 2,307,360 2,858,623 3,499,1931,803,10219

California 16 15 14 17 10,925,663 10,740,242 11,624,063 13,027,0357,729,91414

Colorado 23 26 28 30 3,880,149 4,023,562 4,799,307 4,994,1074,286,33721

Connecticut 17 19 20 21 5,310,842 5,269,027 5,303,185 5,054,1174,748,09314

Delaware 18 19 19 20 1,041,194 1,071,639 1,415,011 1,603,091955,01615

District Of Columbia 11 11 11 11 1,632,051 1,797,322 2,018,300 2,022,1511,434,1268

Florida 21 23 23 27 39,849,393 40,403,758 39,210,815 39,076,13041,978,79418

Georgia 28 28 29 30 49,245,444 51,498,137 62,543,864 62,039,79052,745,19823

Guam 5 5 6 6 255,753 244,179 313,004 343,811179,6606

Hawaii 13 13 13 15 7,242,133 7,511,631 7,906,271 7,795,0387,106,55912

Idaho 21 22 23 24 7,265,979 7,114,303 6,914,055 6,474,1787,427,05618

Illinois 27 27 29 33 29,251,661 31,317,175 35,029,811 38,560,28327,399,82325

Indiana 26 27 29 33 15,862,099 14,296,524 15,851,019 16,438,21915,358,81224

Iowa 24 24 24 27 12,383,526 12,397,414 13,497,957 13,960,10011,265,54021

Kansas 25 27 28 32 11,522,710 12,571,020 12,900,042 12,514,63211,362,83824

Kentucky 19 18 20 23 22,661,080 23,765,503 24,777,893 24,694,86321,592,87118

Louisiana 26 27 28 34 33,586,052 32,631,928 34,634,234 35,326,78735,076,16622

Maine 18 18 18 18 4,297,869 4,972,672 5,309,419 5,571,5803,736,22514

Maryland 20 22 24 23 7,391,247 9,120,787 10,494,918 11,251,3736,548,72716

Massachusetts 15 16 17 20 3,610,669 3,815,718 4,188,858 4,453,3913,154,10313

Michigan 27 27 27 31 34,402,027 33,875,405 33,983,123 32,314,87835,946,97025

Minnesota 20 20 19 22 8,361,190 8,376,573 8,867,658 9,737,3517,868,75019

Mississippi 22 24 27 29 23,108,737 23,342,798 23,871,397 24,827,00325,028,51219

Missouri 31 33 35 37 10,307,519 11,179,977 14,227,746 15,657,36310,202,60725

Montana 17 17 19 20 1,795,364 2,035,769 2,465,674 2,590,7391,871,28114

Nebraska 23 22 22 25 3,424,300 4,128,095 5,579,655 6,090,8452,820,84420

Nevada 17 16 17 19 1,231,213 1,218,959 1,244,146 1,409,6691,634,85414

New Hampshire 15 16 17 18 10,051,839 10,773,233 10,801,080 12,589,20910,694,60313

New Jersey 17 19 18 19 5,570,796 6,306,664 7,498,259 7,520,6915,920,84014

New Mexico 24 27 27 31 6,289,527 7,094,482 8,021,256 8,363,6335,185,47022

New York 15 15 14 14 49,848,874 49,141,215 43,958,374 45,529,70948,299,05412

North Carolina 22 24 24 26 39,324,506 38,381,130 42,138,572 42,328,39943,565,49219

North Dakota 17 17 19 19 3,890,236 4,149,487 4,891,781 5,290,5463,767,59216

Northern Mariana Islands 3 2 2 3 131,404 121,045 74,795 79,04186,8492

Ohio 29 29 29 31 21,584,548 24,687,201 26,320,821 27,204,59121,196,71426






Oklahoma 25 25 25 29 5,948,790 5,195,256 6,756,450 8,484,9185,905,98220

Oregon 21 22 23 26 5,134,396 5,220,551 5,837,731 6,980,3255,294,54219

Pennsylvania 26 26 25 26 25,110,974 26,246,851 30,523,416 36,168,73625,217,75623

Puerto Rico 8 7 7 8 4,818,015 5,629,546 6,136,973 6,731,7785,376,7128

Rhode Island 9 12 11 16 619,294 652,739 688,723 679,765522,2647

South Carolina 19 22 21 26 23,562,453 22,374,122 23,803,240 28,474,57623,245,53815

South Dakota 20 20 20 22 4,023,790 4,410,432 4,861,686 4,834,2883,779,55917

Tennessee 28 28 29 33 25,803,584 24,586,091 25,022,078 25,653,68827,681,91521

Texas 27 31 32 39 108,833,867 111,355,603 125,540,666 129,273,981110,092,31025

US Virgin Islands 4 5 5 6 223,119 335,442 359,149 418,761252,5503

Utah 23 25 23 22 9,274,638 10,287,725 9,850,797 8,309,5528,916,85819

Vermont 15 14 15 16 1,211,805 1,219,907 1,389,825 1,600,8371,281,19912

Virginia 23 25 25 26 19,487,679 19,989,762 23,966,787 23,415,35419,466,17121

Washington 20 22 21 25 5,135,835 4,862,882 5,895,162 6,558,6994,823,00914

West Virginia 23 23 23 24 3,963,573 3,916,915 4,622,207 5,068,3444,056,42422

Wisconsin 25 27 26 29 13,168,761 14,132,502 14,691,059 15,402,9859,635,58823

Wyoming 16 15 16 18 1,169,335 1,059,683 1,184,804 1,352,825990,92314

770,356,641 786,138,671 851,112,056 884,581,084 Total 770,987,136937 1,086 1,126 1,154 1,280







0.43 10.85 -2.28 1.81 1.03 2.81 2.80 2.47 2.34 2.21Alabama

-40.49 -39.47 -30.01 -27.42 -10.75 0.02 0.04 0.06 0.08 0.10Alaska

NR NR NR 100.00 NR 0.00 0.00 0.00 0.00 0.00American Samoa

0.45 -13.98 -20.94 -13.31 5.58 0.34 0.34 0.39 0.46 0.51Arizona

-2.61 -19.76 -19.28 -18.31 -9.47 0.23 0.24 0.29 0.34 0.40Arkansas

-29.25 1.73 -7.60 -10.77 -13.20 1.00 1.42 1.37 1.37 1.47California

10.47 -3.56 -16.16 -3.90 -5.23 0.56 0.50 0.51 0.56 0.56Colorado

-10.60 0.79 -0.64 4.93 6.74 0.62 0.69 0.67 0.62 0.57Connecticut

-8.28 -2.84 -24.27 -11.73 -8.38 0.12 0.14 0.14 0.17 0.18Delaware

-12.13 -9.20 -10.95 -0.19 4.14 0.19 0.21 0.23 0.24 0.23District Of Columbia

5.34 -1.37 3.04 0.34 3.81 5.44 5.17 5.14 4.61 4.42Florida

7.11 -4.37 -17.66 0.81 2.04 6.84 6.39 6.55 7.35 7.01Georgia

-29.75 4.74 -21.99 -8.96 53.58 0.02 0.03 0.03 0.04 0.04Guam

-1.87 -3.59 -4.99 1.43 1.18 0.92 0.94 0.96 0.93 0.88Hawaii

2.22 2.13 2.90 6.79 7.54 0.96 0.94 0.90 0.81 0.73Idaho

-6.33 -6.60 -10.60 -9.16 0.64 3.55 3.80 3.98 4.12 4.36Illinois

-3.17 10.95 -9.81 -3.57 2.35 1.99 2.06 1.82 1.86 1.86Indiana

-9.03 -0.11 -8.15 -3.31 -8.16 1.46 1.61 1.58 1.59 1.58Iowa

-1.39 -8.34 -2.55 3.08 3.81 1.47 1.50 1.60 1.52 1.41Kansas

-4.71 -4.65 -4.09 0.34 0.61 2.80 2.94 3.02 2.91 2.79Kentucky

4.44 2.92 -5.78 -1.96 1.06 4.55 4.36 4.15 4.07 3.99Louisiana

-13.07 -13.57 -6.34 -4.71 0.32 0.48 0.56 0.63 0.62 0.63Maine

-11.40 -18.96 -13.09 -6.72 -4.42 0.85 0.96 1.16 1.23 1.27Maryland

-12.64 -5.37 -8.91 -5.94 -7.90 0.41 0.47 0.49 0.49 0.50Massachusetts

4.49 1.55 -0.32 5.16 3.63 4.66 4.47 4.31 3.99 3.65Michigan

-5.89 -0.18 -5.54 -8.93 -2.92 1.02 1.09 1.07 1.04 1.10Minnesota

8.31 -1.00 -2.21 -3.85 2.21 3.25 3.00 2.97 2.80 2.81Mississippi

-1.02 -7.80 -21.42 -9.13 2.83 1.32 1.34 1.42 1.67 1.77Missouri

4.23 -11.81 -17.44 -4.83 -22.44 0.24 0.23 0.26 0.29 0.29Montana

-17.62 -17.05 -26.02 -8.39 -9.73 0.37 0.44 0.53 0.66 0.69Nebraska

32.78 1.01 -2.02 -11.74 -3.75 0.21 0.16 0.16 0.15 0.16Nevada

6.39 -6.70 -0.26 -14.20 14.98 1.39 1.30 1.37 1.27 1.42New Hampshire

6.28 -11.67 -15.89 -0.30 -21.31 0.77 0.72 0.80 0.88 0.85New Jersey

-17.55 -11.35 -11.55 -4.09 -1.32 0.67 0.82 0.90 0.94 0.95New Mexico

-3.11 1.44 11.79 -3.45 -0.23 6.26 6.47 6.25 5.16 5.15New York

10.78 2.46 -8.92 -0.45 4.53 5.65 5.10 4.88 4.95 4.79North Carolina

-3.15 -6.25 -15.17 -7.54 2.18 0.49 0.50 0.53 0.57 0.60North Dakota

-33.91 8.56 61.84 -5.37 43.01 0.01 0.02 0.02 0.01 0.01Northern Mariana Islands

-1.80 -12.57 -6.21 -3.25 -1.18 2.75 2.80 3.14 3.09 3.08Ohio







-0.72 14.50 -23.11 -20.37 -6.30 0.77 0.77 0.66 0.79 0.96Oklahoma

3.12 -1.65 -10.57 -16.37 -4.64 0.69 0.67 0.66 0.69 0.79Oregon

0.43 -4.33 -14.01 -15.61 -7.60 3.27 3.26 3.34 3.59 4.09Pennsylvania

11.60 -14.42 -8.27 -8.84 -23.06 0.70 0.63 0.72 0.72 0.76Puerto Rico

-15.67 -5.12 -5.22 1.32 -36.80 0.07 0.08 0.08 0.08 0.08Rhode Island

-1.35 5.31 -6.00 -16.41 0.87 3.02 3.06 2.85 2.80 3.22South Carolina

-6.07 -8.77 -9.28 0.57 -7.91 0.49 0.52 0.56 0.57 0.55South Dakota

7.28 4.95 -1.74 -2.46 -2.76 3.59 3.35 3.13 2.94 2.90Tennessee

1.16 -2.26 -11.30 -2.89 0.45 14.28 14.13 14.16 14.75 14.61Texas

13.19 -33.49 -6.60 -14.24 -13.12 0.03 0.03 0.04 0.04 0.05US Virgin Islands

-3.86 -9.85 4.44 18.55 1.11 1.16 1.20 1.31 1.16 0.94Utah

5.73 -0.66 -12.23 -13.18 -1.23 0.17 0.16 0.16 0.16 0.18Vermont

-0.11 -2.51 -16.59 2.36 -1.26 2.52 2.53 2.54 2.82 2.65Virginia

-6.09 5.61 -17.51 -10.12 -6.33 0.63 0.67 0.62 0.69 0.74Washington

2.34 1.19 -15.26 -8.80 -12.70 0.53 0.51 0.50 0.54 0.57West Virginia

-26.83 -6.82 -3.80 -4.62 -7.65 1.25 1.71 1.80 1.73 1.74Wisconsin

-15.26 10.35 -10.56 -12.42 -20.29 0.13 0.15 0.13 0.14 0.15Wyoming

Total 0.08 -2.01 -7.63 -3.78 -0.85 100.00 100.00 100.00 100.00 100.00


TABLE 1- CREDIT INSURANCE REGULATORY PROVISIONS



Table 1

CREDIT INSURANCE REGULATORY PROVISIONS

As of June 2019

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

$.43 (single per $100 over 12 months) $1.03 – $1.35 (7 day retroactive waiting period not available)

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 2019


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 2019


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 2019


Maryland 55% $.43 per annum per $100 for single premium decreasing term policies $.71 per annum per $100 for single premium level term policies $.66 per month per $1000 for outstanding balance term policies

$.50 – $5.95 for single premium per $100, depending on number of months indebtedness is insured and retroactivity of benefits (z)

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 (single premium basis with decreasing term)

$1.50-$2.20 (single premium per $100, excluding pre-existing conditions) (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 (single life decreasing term) $1.10 (single life level term)

$.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


Table 1


As of June 2019


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

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 40% to 65% (depending on types of coverage, age, or renewability conditions)

$.40 $0.94 - $1.99 (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 (per $100 for single premium decreasing term life); $1.10 (per $100 for single premium level term life) effective Jan. 1, 1997

$.95 – $2.60; see G.S. 58-57-45 ----

North Dakota 45% $.62 (per $1,000 monthly outstanding balance)(n)

$.94 – $1.88 (c) ----

Ohio 50% life; 60% health $.41 $.70 – $1.32 (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).

----


Table 1


As of June 2019


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)

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% $.6228 (l) $1.03 – $2.17 (l) ----

Washington 60% $.60 (per $1000 monthly outstanding balance)(n)

$.86 – $1.85 25% to creditor; 30% total

West Virginia 60% $.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) ----


Table 1


As of June 2019


Wyoming ---- $.50 $.80 – $3.00 30% + 7.5% general agent


Table 1


As of June 2019

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) - (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. For open ended monthly outstanding

balance policies, insurers should apply an 80% factor to their calculated rates. (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, 2019. (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, 2022.

(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 2019 (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. (Regulation 9 will be referred to as 230-RICR-20-60-1 as of September 2018 due to statewide coding change) (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).

(z) See COMAR 31.13.01.15. For Group credit health insurance issued on the outstanding balance , effective June 1, 2016, a composite monthly outstanding balance premium rate shall be used instead of the rates referred to in §C of this regulation. The rates under this plan may not exceed those shown in the schedule below, with the rates being based on the amount of insured indebtedness currently being repaid. The composite rate shall be applied to all outstanding balances under the plan each month irrespective of the duration of the loans. 14 Day Nonretroactive -- $0.08; 30 Day Nonretroactive -- 0.07; 14 Day Retroactive -- 0.11; 30 Day Retroactive -- 0.09


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Credit Life Insurance and Credit Accident & Health Insurance Experience … › documents › credit_life_accident_health... · 2019-08-05 · The Credit Life Insurance and Credit