and credit accident & health insurance experience 2011-2015 · the credit life insurance and...

Credit Life Insurance and Credit Accident & Health Insurance Experience 2011-2015

Credit Life Insurance andCredit Accident & Health

Insurance Experience 2011–2015

2016

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Credit Life Insurance and Credit Accident & Health Insurance Experience 2011–2015

TABLE OF CONTENTS

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

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

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

Credit Life Insurance and Credit Accident & Health Insurance Experience – 2006–2015........................................................................................................................................4

Credit Life Insurance Experience Trends 2006–2015 .....................................................................5

Credit Life Insurance Experience Loss Ratios 2006–2015 ..............................................................6

Credit Accident & Health Insurance Experience Trends 2006–2015 ..............................................7

Credit Accident & Health Insurance Experience Loss Ratios 2006–2015 ......................................8

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

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

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

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

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

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

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

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

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

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

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

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

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

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

© 2016 National Association of Insurance Commissioners

INTRODUCTION The Credit Life Insurance and Credit Accident & Health Insurance Experience Report for the years 2011–2015 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 140 companies listed in the Credit Life Reports, down from 145 companies last year. The number of companies reported in the Credit Accident & Health Reports this year decreased to 129 companies, from 133 companies last year. All companies reporting data in 2015, 2014, 2013, 2012, and 2011 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 Company 2) By State Summary 8) By State Summary Earned Premiums Earned Premiums 3) Countrywide by Company 9) Countrywide by Company 4) By State Summary 10) By State Summary

Net Written Premiums Net Written Premiums 5) Countrywide by Company 11) Countrywide by Company 6) By State Summary 12) By State Summary

© 2016 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 (2015, 2014, 2013, 2012, and 2011)

• Actual Calendar Year Loss Ratios (2015, 2014, 2013, 2012, and 2011)

• Calendar Year Loss Ratios at Prima Facie Rates (2015 2014, 2013, 2012, and 2011) 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

(2015, 2014, 2013, 2012, and 2011) (By State Report Only)

• Direct Earned Premiums (2015, 2014, 2013, 2012, and 2011)

• Earned Premium at Prima Facie Rates (2015, 2014, 2013, 2012, and 2011) 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

(2015, 2014, 2013, 2012, and 2011) (By State Report Only)

• Net Written Premiums (2015, 2014, 2013, 2012, and 2011)

• Net Written Premiums Annual Percentage Change (2015, 2014, 2013, 2012, and 2011)

• Percent of Total Net Written Premiums—Market Share (2015, 2014, 2013, 2012, and 2011)


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 Experience2006–2015*

(Dollars in 000s)

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

Credit Life2006 1,287,991 1,445,583 624,752 43.22%2007 1,271,964 1,362,077 581,378 42.68%2008 1,098,749 1,221,449 553,557 45.32%2009 805,184 1,085,005 489,530 45.12%2010 772,980 934,046 444,941 47.64%2011 758,835 852,539 400,511 46.98%2012 756,054 799,020 365,302 45.72%2013 740,184 738,353 352,190 47.70%2014 738,758 726,912 345,629 47.55%2015 731,494 722,012 326,421 45.21%

2006–2015 Avg. 896,219 988,700 448,421 45.35%

2006 1,429,367 1,556,619 610,260 39.20%2007 1,401,333 1,502,235 552,750 36.80%2008 1,244,620 1,361,185 549,117 40.34%2009 939,827 1,209,115 525,333 43.45%2010 877,745 1,030,429 466,036 45.23%2011 870,026 940,793 393,146 41.79%2012 884,808 896,381 369,656 41.24%2013 892,141 870,143 319,516 36.72%2014 884,581 878,034 306,677 34.93%2015 851,112 865,776 292,953 33.84%

2006–2015 Avg. 1,216,870 1,391,444 590,337 42.43%

Credit Accident & Health

Loss Ratio = Direct Losses Incurred ÷ Actual Earned Premium

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


2006 - 2015Credit Life Insurance Experience Trend

1,288

1,272

1,099 805

773

759

756

740

739

731

0

500

1,000

1,500

2,000

2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

Mil

lio

ns

Year

Net Written Premiums

1,446

1,362

1,221 1,085

934

853

799

738

727 722

0

500

1,000

1,500

2,000

2,500

3,000

2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

Mil

lio

ns

Year

Actual Earned Premiums

625

581

554490

445401

365

352

346

326

0

100

200

300

400

500

600

700

800

900

1,000

2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

Mil

lio

ns

Year

Direct Losses Incurred


38

39

40

41

42

43

44

45

46

47

48

49

50

2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

43.242.7

45.3 45.1

47.647.0

45.7

47.7 47.6

45.2

Perc

enta

ge

Year

Credit Life Insurance ExperienceLoss Ratios

2006 - 2015


2006 - 2015Credit A & H Insurance Experience Trend

1,429

1,401

1,245 940

878

870

885

892

885

851

500

1,000

1,500

2,000

2,500

3,000

2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

Mil

lio

ns

Year

Net Written Premiums

1,557

1,502

1,361 1,209

1,030

941

896

870

878

866

500

1,000

1,500

2,000

2,500

2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

Mil

lio

ns

Year

Actual Earned Premiums

610553

549

525

466

393

370320

307

293

200

400

600

800

1,000

1,200

2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

Mil

lio

ns

Year

Direct Losses Incurred


30

33

36

39

42

45

48

51

54

2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

39.2

36.8

40.3

43.5

45.2

41.841.2

36.7

34.9 33.8

Per

cen

tag

e

Year

Credit A&H Insurance ExperienceLoss Ratios

2006 - 2015


CREDIT LIFE

ANNUAL INCURRED CLAIMS

COUNTRYWIDE BY COMPANY (1)


2015 CREDIT EXPERIENCE REPORTAnnual Incurred Claims (Losses)

CREDIT LIFECOUNTRYWIDE

5- yr Aggregate Loss Ratio 2015 - 2011

5-yr Aggr Loss Ratio

at Prima Facie Rates 2015 - 2011

3- yr Aggregate Loss Ratio2015 - 2013


at Prima Facie Rates2015 - 2013

Annual Incurred Claims (Losses) $

COMPANY NAMECOCODE 2015 2011201220132014

52.37 45.77 52.00 44.2462626 CMFG Life Ins Co 97,888,341 95,732,842 92,020,176 96,088,23598,411,26356.23 59.49 54.51 58.0760518 American Hlth & Life Ins Co 30,415,741 29,493,958 30,852,162 34,152,24926,838,32553.31 50.31 53.98 50.9866168 Minnesota Life Ins Co 25,439,312 23,823,243 24,706,777 24,923,79723,494,06958.46 59.70 57.73 59.2365951 Merit Life Ins Co 18,665,171 15,708,936 13,152,777 12,396,98921,480,12746.91 46.86 48.97 48.9097691 Life Of The South Ins Co 14,765,316 14,308,350 12,979,150 12,930,55120,854,60230.34 32.42 30.20 32.6761751 Central States H & L Co Of Omaha 18,932,303 18,741,100 17,766,864 15,622,32218,834,05294.84 97.86 110.78 118.6293777 Pavonia Life Ins Co of MI 28,199,542 29,561,883 33,400,810 37,973,65317,830,94246.12 44.91 44.68 43.4260275 American Bankers Life Assur Co Of FL 18,463,113 22,364,135 25,341,788 30,005,23814,465,53044.92 42.64 42.02 43.1786231 Transamerica Life Ins Co 10,729,919 10,329,069 10,846,034 12,077,21410,755,54170.72 69.06 79.12 77.1465811 American Modern Life Ins Co 7,430,206 8,503,505 11,476,278 10,005,8297,954,66325.89 26.10 26.11 26.3760739 American Natl Ins Co 7,216,529 7,392,484 6,485,582 8,857,4476,264,16131.23 31.31 31.48 31.6097152 Plateau Ins Co 4,687,331 3,789,297 3,047,303 3,631,0796,205,49352.14 36.48 49.59 29.7279715 Cooperativa De Seguros De Vida 5,017,812 5,164,233 6,251,528 6,507,9405,392,20729.28 31.22 24.28 26.2168136 Protective Life Ins Co 4,432,194 4,485,522 7,493,822 7,599,3123,824,66719.62 26.86 25.68 25.6873156 Caribbean Amer Life Assur Co 3,507,739 4,194,831 4,142,446 4,816,9033,615,38739.96 39.96 41.37 41.3798736 American Federated Life Ins Co 2,502,377 2,890,011 2,509,511 2,239,9573,096,71737.50 32.43 36.48 31.0566281 Transamerica Premier Life Ins Co 3,518,893 3,435,923 4,514,407 3,321,2473,054,66622.78 22.78 24.49 24.4961298 Bankers Life Of LA 2,542,853 2,526,465 1,779,104 1,858,6852,855,33633.86 36.55 38.88 42.2471455 Financial Amer Life Ins Co 2,986,052 4,129,698 3,998,490 4,229,8452,636,93430.71 30.56 31.55 31.4167628 Pekin Life Ins Co 2,402,812 2,389,966 1,600,554 1,478,9152,490,82089.17 90.57 105.22 107.6460488 American Gen Life Ins Co 5,172,498 4,155,628 5,708,659 02,382,53953.13 49.78 55.25 51.4870688 Transamerica Financial Life Ins Co 2,418,127 2,718,962 2,172,561 2,418,3072,261,50055.88 53.71 60.32 57.8793742 Securian Life Ins Co 2,809,408 798,887 336,140 438,2442,026,11148.18 48.18 52.36 52.3660242 Southern Financial Life Ins Co 1,962,441 1,975,667 1,495,799 1,794,7441,858,56639.52 39.52 41.71 41.7981779 Individual Assur Co Life Hlth & Acc 2,893,483 2,946,807 2,957,411 3,448,1561,418,93125.97 25.97 28.62 28.6264904 Investors Heritage Life Ins Co 864,540 1,035,086 1,044,272 908,0291,326,01036.32 36.28 38.59 38.5964211 Guarantee Trust Life Ins Co 1,311,468 2,890,818 2,859,101 2,932,3711,238,68947.84 47.72 44.08 43.9660836 American Republic Ins Co 1,743,351 1,775,375 3,108,189 3,492,9701,197,64927.04 29.48 26.45 28.7876007 Old United Life Ins Co 1,292,012 1,445,134 1,344,268 1,317,8681,183,056

181.15 179.77 69.00 71.1279340 Pavonia Life Ins Co NY 1,404,145 1,013,204 2,445,527 2,931,056974,36421.27 21.27 20.23 20.2370548 Wichita Natl Life Ins Co 739,514 1,073,778 1,128,710 829,378895,19323.57 22.97 20.02 18.2877054 MAPFRE Life Ins Co of PR 836,740 856,753 1,183,527 1,570,656894,60149.98 49.71 44.25 44.1060534 American Heritage Life Ins Co 1,402,360 1,602,793 2,840,042 6,829,298832,868

122.39 114.61 121.12 116.3770106 United States Life Ins Co in the Cit 520,745 1,097,341 1,942,452 1,543,473812,04221.03 21.03 20.77 20.7760041 UNIVERSAL LIFE INS CO 1,205,224 1,391,083 1,230,670 0741,15124.50 19.19 29.19 23.4977976 Gulf Guar Life Ins Co 752,553 1,086,971 696,402 688,661716,937












52.66 52.66 58.84 58.8465480 Old Spartan Life Ins Co Inc 732,216 891,573 647,735 478,309694,08323.43 23.43 25.61 25.6180020 Mountain Life Ins Co 536,329 776,857 691,119 896,939631,94239.56 41.12 49.24 49.2474365 Southern Pioneer Life Ins Co 879,705 2,038,359 1,701,707 2,090,073583,11931.27 38.98 37.94 47.0285677 Life Assur Co Inc 1,001,027 650,164 346,211 698,231492,03728.10 34.33 29.66 35.8599538 SWBC Life Ins Co 237,865 161,688 177,016 36,171440,37231.63 31.63 32.99 32.9977690 Trans City Life Ins Co 652,325 447,293 362,901 422,723427,82438.08 38.98 33.25 33.2574233 First Natl Life Ins Co Of USA 201,723 304,596 405,280 460,416305,20927.22 27.22 24.14 24.1460244 Kentucky Home Life Ins Co 286,205 299,029 439,534 783,025293,11194.33 83.40 60.14 46.4281477 Union Security Life Ins Co of NY 124,655 790,582 1,915,314 1,102,091273,227

100.85 109.45 125.82 147.3161409 National Benefit Life Ins Co 679,714 643,372 765,526 805,459248,5199.89 9.89 11.88 11.8872087 Multinational Life Ins Co 201,978 246,458 139,374 0245,294

88.73 87.18 105.52 104.5262383 Centurion Life Ins Co 118,645 1,073,872 1,076,109 3,140,867239,91512.73 13.04 17.49 32.2092274 Landcar Life Ins Co 124,303 278,583 285,601 322,726213,82193.88 100.29 144.05 161.3660895 American United Life Ins Co 402,976 725,384 426,697 1,298,892196,52725.64 25.64 21.70 21.7093650 Versant Life Ins Co 181,230 -3,525 114,119 184,007130,54145.61 45.61 31.19 31.1983992 Foundation Life Ins Co Of AR 0 184,897 226,864 369,670122,17457.48 57.48 55.00 55.0062650 Delta Life Ins Co 150,255 140,712 168,740 200,167121,19811.27 11.27 10.34 10.3471323 Zale Life Ins Co 97,975 102,075 128,652 93,457107,12916.94 16.94 17.73 17.7374470 Great Central Life Ins Co 80,634 67,145 64,424 89,56262,49433.95 32.58 34.66 32.1188536 Protective Life & Annuity Ins Co 104,723 195,653 136,954 163,63458,193

204.84 204.84 207.74 207.7460246 Netcare Life & Hlth Ins Co 135,941 77,370 116,523 20,51547,13028.36 27.37 28.22 27.3875094 Life Ins Co Of LA 161,002 58,358 125,556 44,92746,49035.86 20.87 45.65 27.6071870 Fidelity Security Life Ins Co 20,684 52,026 17,702 69,28235,96114.73 14.73 8.36 8.3686118 Arkansas Bankers Life Ins Co 252,824 88,355 162,613 481,91028,2509.67 9.67 7.84 7.8471463 CICA Life Ins Co of Amer 42,379 24,477 28,148 70,85326,452

39.41 39.41 26.88 26.8873989 Mililani Life Ins Co Ltd 31,586 0 27,126 022,53275.30 84.17 94.10 94.1065757 Shelter Life Ins Co 38,309 62,105 141,461 54,33315,77317.15 10.77 35.81 23.9679049 Alfa Life Ins Corp 0 0 -719 3,99914,70728.25 28.25 4.10 4.1091448 Southwest Credit Life Inc 0 -5,000 5,760 84,84914,10842.38 53.40 49.93 62.3765560 Life Protection Ins Co 56,521 59,966 48,465 125,9488,40212.71 7.18 27.36 15.4670435 The Savings Bank Life Ins Co Of MA 26,634 -2,838 45,968 -36,4496,624

NR NR 232.64 254.1971099 Parker Centennial Assur Co -65 -63 -57 1,1366,46551.57 37.19 51.57 37.1962235 Unum Life Ins Co Of Amer 0 0 0 04,71611.83 11.83 52.08 52.0875612 Gulf States Life Ins Co 9,247 42,240 49,201 72,0833,80411.81 11.92 26.74 26.7471480 Great Western Ins Co 3,274 1,162 0 02,36460.14 46.13 66.30 50.9462553 Country Life Ins Co 15,616 1,224 0 11,5932,195












NR NR NR NR60054 Aetna Life Ins Co 0 0 1,000 050065.30 65.33 NR NR68373 American Gen Assur Co 0 0 0 8,870,5500

NR NR NR NR66842 American Gen Life Ins Co of DE 0 0 0 -576011.56 11.56 0.00 0.0092649 American Underwriters Life Ins Co 0 0 0 24,5350

-37.93 -37.93 NR NR71439 Assurity Life Ins Co 0 0 0 -330-31.50 -31.04 250.20 250.2068160 Balboa Life Ins Co 0 100,466 0 -219,9080

NR NR NR NR10097 Balboa Life Ins Co Of NY 0 0 0 -36,9600-31.07 -31.07 0.00 0.0061212 Baltimore Life Ins Co 0 0 -2,004 00

1,218.82 1,218.59 NR NR81043 Bankers Life Ins Co 0 0 -38 44,03900.00 0.00 0.00 0.0061476 Boston Mut Life Ins Co 0 0 0 00NR NR NR NR90867 Century Credit Life Ins Co 0 0 0 00

45.76 45.76 42.92 42.9261824 Cherokee Natl Life Ins Co 0 1,758,393 2,501,792 3,159,0030-5.79 -5.79 NR NR61921 Citizens Security Life Ins Co 0 0 0 -3037.09 37.42 -4.58 -4.6288374 Commonwealth Dealers Life Ins Co -2 -70 -442 20,1860

0.00 0.00 NR NR78301 Corvesta Life Ins Co 0 0 0 0018.88 18.88 38.87 38.8762928 EMC Natl Life Co 1,499 0 0 0046.67 46.67 21.33 21.3389087 Enterprise Life Ins Co 11,398 76,012 236,832 822,3890

NR NR NR NR63088 Farm Bureau Life Ins Co 0 0 0 0016.54 16.54 NR NR94579 First Assur Life Of Amer 0 0 1,063,959 1,990,6630

NR NR NR NR65536 Genworth Life & Ann Ins Co 0 0 0 00NR NR NR NR90212 Great Southern Life Ins Co 0 0 0 00NR NR NR NR64394 Heritage Life Ins Co 0 0 0 00NR -436.21 NR NR65676 Lincoln Natl Life Ins Co 0 0 -93 -1600NR NR NR NR65781 Madison Natl Life Ins Co Inc 0 0 0 00

15.99 15.99 NR NR61018 Magna Ins Co 0 0 0 444,8340NR NR NR NR68020 Mcdonald Life Ins Co 0 0 0 00

9.75 9.75 -4.44 -4.4497055 Mega Life & Hlth Ins Co The 0 -635 -1,153 10,2090-19.10 -19.10 -1,759.87 -1,759.8765978 Metropolitan Life Ins Co -130,032 -20,490 25,050 30,3930295.74 295.74 NR NR76112 Oxford Life Ins Co 0 -5 14,540 -300

70.05 79.17 142.39 158.7989007 Pavonia Life Ins Co Of DE 250,456 168,344 135,313 -17,1040NR 42.41 NR NR71803 Pemco Life Ins Co 0 0 0 810

25.14 25.14 77.48 77.4876503 Port O Call Life Ins Co 27,237 22,243 0 0091.06 65.65 173.33 124.9768195 Provident Life & Accident Ins Co 5,888 12,903 2,989 8240

0.00 0.00 NR NR60445 Sagicor Life Ins Co 0 0 0 00NR NR NR NR68772 Security Mut Life Ins Co Of NY 0 0 -5,000 00

18.57 17.52 925.49 839.5589958 Shelterpoint Ins Co 0 14,363 38,865 200,9540












8.11 8.11 28.26 28.2698868 Sheridan Life Ins Co 13,443 824 0 000.00 0.00 0.00 0.0069094 State Farm Life & Accident Asr Co 0 0 0 00

241.88 227.00 165.58 58.8869108 State Farm Life Ins Co 0 4,686 48,121 136,458037.45 30.18 30.38 22.3065021 Stonebridge Life Ins Co 179,636 232,291 662,949 910,18201.86 1.86 1.15 1.1561158 TRIPLE S BLUE 0 1,336 3,653 00

18.68 19.92 16.57 19.5569973 United Life Ins Co -1,000 2,000 8,574 4,1560243.49 243.49 NR NR63819 Unity Financial Life Ins Co 0 0 -43 6,286099.08 97.74 NR NR70173 Universal Underwriters Life Ins Co 0 -91,558 23,585 457,4820

2,795.52 2,995.20 NR NR72613 USAA Direct Life Ins Co 0 0 -91 28,186059.87 59.87 0.00 0.0068632 Vantis Life Ins Co 0 0 6,335 14,74800.00 0.00 0.00 0.0092053 Wateree Life Ins 0 0 0 007.81 9.44 -13.08 -26.9088080 XL Life Ins & Ann Co 0 -152 -150 1,1840NR NR NR NR69663 USAA Life Ins Co -21 -66 0 0-7

0.55 0.55 66.20 66.2061492 Athene Annuity & Life Assur Co -45 5,630 -19,871 14,437-140.06 0.06 -0.88 -0.8899724 LifeShield Natl Ins Co -27 -30 82 0-14

60.03 60.03 85.21 85.2167261 Old Republic Life Ins Co -157 34,085 59,222 67,312-161,151.79 824.44 -514.12 -366.2985090 Dearborn Natl Life Ins Co of NY -19 -10,522 34,417 21,512-19-226.59 -226.58 -9.09 -9.0869477 Time Ins Co -249 -215 -488 -36,928-45129.32 129.32 52.73 52.7387645 United Fidelity Life Ins Co 3,785 -3 28,346 1-63219.87 219.87 153.35 153.3562596 Union Fidelity Life Ins Co -798 49,212 76,332 142,907-70

6.99 6.99 NR NR68349 North Amer Ins Co -192 4,460 -547 -834-9762.52 62.52 74.73 74.7366087 Mid West Natl Life Ins Co Of TN 5,337 15,253 5,172 39,374-23551.37 51.37 59.33 59.3399465 Servco Life Ins Co 36,420 241,014 661,128 969,755-40643.54 43.54 67.50 67.5094447 Century Life Ass Co 58,316 262,566 94,919 341,123-72650.47 50.47 -72.40 -72.4069523 Trans Oceanic Life Ins Co 1,186 -12,828 61,999 36,744-4,49043.19 44.71 37.12 33.9061506 Resource Life Ins Co 24,851 61,755 172,341 1,519,210-10,73937.68 34.91 24.21 23.1193815 Pacific Century Life Ins Corp 54,142 57,507 37,634 51,646-15,000

2,048.97 2,048.97 -4,034.86 -4,034.8665838 John Hancock Life Ins Co USA -21,399 -462 -467,710 638,994-16,79324.70 31.01 18.65 23.4077151 Service Life & Cas Ins Co 315,091 546,084 1,662,399 2,578,293-72,484

111.42 113.56 187.07 195.0593521 General Fidelity Life Ins Co 134,292 1,351,248 270,981 663,219-121,799-686.53 -682.67 -6,259.59 -6,259.5968241 Prudential Ins Co Of Amer -314 868 13,930 60,103-218,951

NR NR NR NR60186 Allstate Life Ins Co 0 0 0 0-405,847400,511,452365,301,745352,190,393345,629,32344.8346.8345.3346.63COMPANIES IN REPORT - COUNTRYWIDE140 326,421,096




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 2015 20152014 20142013 20132012 2012 20112011

50.12 52.25 53.82 51.97 53.92 41.10 44.60 47.60 49.9846.8162626 CMFG Life Ins Co51.60 56.14 55.70 57.05 60.27 55.24 59.98 58.88 62.8560.0460518 American Hlth & Life Ins Co49.79 58.44 54.07 54.12 50.71 47.38 55.14 50.70 47.8550.9566168 Minnesota Life Ins Co56.33 57.72 59.77 59.56 60.73 58.17 59.32 60.62 61.1560.4065951 Merit Life Ins Co52.55 45.02 48.55 44.08 42.69 52.13 44.89 49.00 42.6644.0997691 Life Of The South Ins Co28.83 30.13 31.80 31.84 29.26 31.59 32.61 33.91 30.3833.5861751 Central States H & L Co Of Omaha

107.85 121.50 103.75 85.14 79.96 116.29 134.27 107.93 80.0785.5793777 Pavonia Life Ins Co of MI47.69 42.69 44.58 45.94 49.18 45.94 41.53 43.51 47.8445.0260275 American Bankers Life Assur Co Of 43.44 41.99 40.67 42.33 58.85 37.81 36.39 65.51 48.4736.4686231 Transamerica Life Ins Co

100.22 73.12 70.30 73.86 54.31 97.59 71.57 68.37 53.6871.3165811 American Modern Life Ins Co21.75 29.72 27.53 22.18 28.87 21.86 29.39 28.51 29.0522.2560739 American Natl Ins Co32.56 30.82 30.64 27.85 33.58 32.70 31.01 30.64 33.5827.8597152 Plateau Ins Co51.52 46.46 50.94 56.45 54.84 29.36 28.45 31.50 87.7535.0079715 Cooperativa De Seguros De Vida23.36 25.11 24.29 37.89 33.36 25.51 27.15 25.92 34.9039.9568136 Protective Life Ins Co24.51 24.07 28.45 26.17 11.09 24.51 24.07 28.45 29.6627.2773156 Caribbean Amer Life Assur Co43.27 37.63 43.05 38.48 36.80 43.27 37.63 43.05 36.8038.4898736 American Federated Life Ins Co29.13 44.37 38.10 47.37 31.28 25.06 36.93 32.68 28.3140.7766281 Transamerica Premier Life Ins Co24.70 23.86 24.91 18.62 21.02 24.70 23.86 24.91 21.0218.6261298 Bankers Life Of LA57.10 37.35 33.11 29.83 28.95 62.46 40.57 35.90 30.9632.1471455 Financial Amer Life Ins Co28.82 30.90 35.85 28.50 29.30 28.62 30.84 35.69 29.1928.3467628 Pekin Life Ins Co

555.75 107.74 70.43 67.92 NR 894.44 110.37 70.13 NR68.3460488 American Gen Life Ins Co49.65 56.77 59.42 48.02 51.98 46.87 51.25 56.30 48.8345.6570688 Transamerica Financial Life Ins Co66.46 60.29 48.94 31.49 41.29 61.76 58.83 47.53 39.9830.6193742 Securian Life Ins Co49.41 54.07 53.68 39.67 44.66 49.41 54.07 53.68 44.6639.6760242 Southern Financial Life Ins Co37.61 47.86 38.85 35.24 39.27 37.57 48.20 38.81 39.1935.1981779 Individual Assur Co Life Hlth & Acc39.52 22.99 24.92 23.62 21.38 39.52 22.99 24.92 21.3823.6264904 Investors Heritage Life Ins Co40.05 28.42 45.23 36.01 32.99 40.05 28.42 45.23 32.8636.0164211 Guarantee Trust Life Ins Co46.64 48.87 38.90 53.57 48.82 46.49 48.78 38.78 48.6353.5360836 American Republic Ins Co24.32 24.86 30.35 29.09 26.90 26.38 26.99 33.22 29.4031.8576007 Old United Life Ins Co57.18 94.99 58.46 NR 71.73 61.36 98.03 57.94 69.65NR79340 Pavonia Life Ins Co NY26.08 13.31 24.39 26.55 19.29 26.08 13.31 24.39 19.2926.5570548 Wichita Natl Life Ins Co14.61 22.90 27.21 26.61 29.66 11.81 21.89 31.00 31.4528.8277054 MAPFRE Life Ins Co of PR64.32 54.41 33.38 14.26 NR 64.32 54.20 33.24 NR14.1860534 American Heritage Life Ins Co

177.29 78.60 123.88 163.36 94.20 183.64 73.85 116.62 85.70152.6370106 United States Life Ins Co in the Cit16.88 22.67 21.87 21.75 NR 16.88 22.67 21.87 NR21.7560041 UNIVERSAL LIFE INS CO25.97 26.30 34.63 20.14 17.78 21.39 21.34 27.15 13.3515.4877976 Gulf Guar Life Ins Co







62.80 54.01 60.30 47.37 38.80 62.80 54.01 60.30 38.8047.3765480 Old Spartan Life Ins Co Inc26.94 21.67 28.01 17.03 26.19 26.94 21.67 28.01 26.1917.0380020 Mountain Life Ins Co30.26 39.65 68.74 35.73 31.85 30.26 39.65 68.74 35.6435.7374365 Southern Pioneer Life Ins Co28.44 53.55 31.72 15.76 29.72 35.00 66.29 39.58 37.2919.8285677 Life Assur Co Inc33.53 28.14 24.01 34.02 9.14 39.41 34.62 30.04 11.8442.2499538 SWBC Life Ins Co26.15 41.81 31.20 26.45 32.24 26.15 41.81 31.20 32.2426.4577690 Trans City Life Ins Co40.23 25.53 34.15 41.56 46.56 40.23 25.53 34.15 51.9441.5674233 First Natl Life Ins Co Of USA26.63 24.55 21.80 24.38 34.40 26.63 24.55 21.80 34.4024.3860244 Kentucky Home Life Ins Co49.29 20.62 96.75 178.28 78.27 34.03 14.53 87.89 78.27178.2881477 Union Security Life Ins Co of NY

171.23 158.57 95.28 80.55 87.86 207.96 193.56 107.91 91.3183.0161409 National Benefit Life Ins Co14.58 10.44 11.10 5.39 NR 14.58 10.44 11.10 NR5.3972087 Multinational Life Ins Co

119.11 36.22 129.61 59.63 98.01 119.03 36.05 127.88 96.3758.1562383 Centurion Life Ins Co30.29 11.01 16.47 6.51 18.89 NR NR 12.56 15.645.2892274 Landcar Life Ins Co

118.79 147.70 150.66 52.62 85.52 110.25 167.97 180.03 89.2055.8260895 American United Life Ins Co18.57 70.58 -0.77 23.59 39.91 18.57 70.58 -0.77 39.9123.5993650 Versant Life Ins Co24.40 NR 38.20 49.56 68.59 24.40 NR 38.20 68.5949.5683992 Foundation Life Ins Co Of AR49.02 55.09 61.32 57.66 63.18 49.02 55.09 61.32 63.1857.6662650 Delta Life Ins Co11.48 9.61 10.02 13.38 12.26 11.48 9.61 10.02 12.2613.3871323 Zale Life Ins Co18.23 20.54 14.89 13.70 18.13 18.23 20.54 14.89 18.1313.7074470 Great Central Life Ins Co19.77 29.15 51.34 32.28 33.91 16.80 26.97 51.23 33.9132.2888536 Protective Life & Annuity Ins Co76.78 419.64 244.90 387.24 53.17 76.78 419.64 244.90 53.17387.2460246 Netcare Life & Hlth Ins Co15.95 56.42 15.98 33.64 20.13 15.52 54.26 15.58 18.8732.5975094 Life Ins Co Of LA61.77 26.07 51.77 14.09 38.07 36.45 15.83 31.65 21.348.0771870 Fidelity Security Life Ins Co1.31 25.55 6.93 14.60 35.69 1.31 25.55 6.93 35.6914.6086118 Arkansas Bankers Life Ins Co6.32 10.88 6.42 7.24 17.24 6.32 10.88 6.42 17.247.2471463 CICA Life Ins Co of Amer

22.59 31.09 NR 562.78 NR 22.59 31.09 NR NR562.7873989 Mililani Life Ins Co Ltd136.07 126.78 76.05 127.56 30.20 136.07 126.78 76.05 39.85127.6365757 Shelter Life Ins Co175.82 0.00 0.00 -2.94 10.16 107.43 0.00 0.00 6.43-1.6579049 Alfa Life Ins Corp

35.88 0.00 -6.99 8.15 140.70 35.88 0.00 -6.99 140.708.1591448 Southwest Credit Life Inc35.07 56.58 47.48 30.67 42.25 43.66 70.61 59.40 53.7938.4265560 Life Protection Ins Co32.76 94.62 -4.52 55.35 -30.38 18.52 53.48 -2.55 -17.1731.2870435 The Savings Bank Life Ins Co Of MA

1,287.85 -7.26 -4.75 -3.32 NR 1,287.85 -9.79 -4.75 NR-3.3271099 Parker Centennial Assur Co51.57 NR NR NR NR 37.19 NR NR NRNR62235 Unum Life Ins Co Of Amer

NR 39.41 50.92 7.14 10.35 NR 39.41 50.92 10.357.1475612 Gulf States Life Ins Co28.96 45.52 11.53 0.00 0.00 28.96 45.52 11.53 0.000.0071480 Great Western Ins Co25.09 164.43 11.69 0.00 104.92 19.23 127.30 8.94 79.760.0062553 Country Life Ins Co







NR NR NR NR NR NR NR NR NRNR60054 Aetna Life Ins CoNR NR NR NR 65.30 NR NR NR 65.33NR68373 American Gen Assur CoNR NR NR NR NR NR NR NR NRNR66842 American Gen Life Ins Co of DE

0.00 0.00 NR NR 17.24 0.00 0.00 NR 17.24NR92649 American Underwriters Life Ins CoNR NR NR NR -37.93 NR NR NR -37.93NR71439 Assurity Life Ins CoNR NR 250.20 0.00 -91.82 NR NR 250.20 -89.700.0068160 Balboa Life Ins CoNR NR NR NR NR NR NR NR NRNR10097 Balboa Life Ins Co Of NYNR 0.00 0.00 -99.72 0.00 NR 0.00 0.00 0.00-99.7261212 Baltimore Life Ins CoNR NR NR -7.58 1,416.76 NR NR NR 1,416.76-7.5781043 Bankers Life Ins Co

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.000.0061476 Boston Mut Life Ins CoNR NR NR NR NR NR NR NR NRNR90867 Century Credit Life Ins CoNR NR 42.92 47.26 46.30 NR NR 42.92 46.3047.2661824 Cherokee Natl Life Ins CoNR NR NR NR -5.79 NR NR NR -5.79NR61921 Citizens Security Life Ins CoNR -3.70 -4.61 -4.05 49.76 NR -3.92 -4.64 50.22-4.0888374 Commonwealth Dealers Life Ins CoNR NR NR NR 0.00 NR NR NR 0.00NR78301 Corvesta Life Ins Co

0.00 151.57 0.00 0.00 0.00 0.00 151.57 0.00 0.000.0062928 EMC Natl Life Co0.00 99.42 19.10 42.85 55.04 0.00 99.42 19.10 55.0442.8589087 Enterprise Life Ins CoNR NR NR NR NR NR NR NR NRNR63088 Farm Bureau Life Ins CoNR NR NR 10.90 22.88 NR NR NR 22.8810.9094579 First Assur Life Of AmerNR NR NR NR NR NR NR NR NRNR65536 Genworth Life & Ann Ins CoNR NR NR NR NR NR NR NR NRNR90212 Great Southern Life Ins CoNR NR NR NR NR NR NR NR NRNR64394 Heritage Life Ins CoNR NR NR -166.07 -22.16 NR NR NR -32.59-273.5365676 Lincoln Natl Life Ins CoNR NR NR NR NR NR NR NR NRNR65781 Madison Natl Life Ins Co IncNR NR NR NR 15.99 NR NR NR 15.99NR61018 Magna Ins CoNR NR NR NR NR NR NR NR NRNR68020 Mcdonald Life Ins CoNR NR -4.44 -4.45 22.13 NR NR -4.44 22.13-4.4597055 Mega Life & Hlth Ins Co TheNR NR -239.57 15.39 9.31 NR NR -239.57 9.3115.3965978 Metropolitan Life Ins Co

0.00 -0.11 NR 648.74 -0.74 0.00 -0.11 NR -0.74648.7476112 Oxford Life Ins CoNR 188.97 104.18 58.93 -7.04 NR 219.32 112.58 -7.6570.8689007 Pavonia Life Ins Co Of DENR NR NR NR NR NR NR NR 42.41NR71803 Pemco Life Ins CoNR NR 34.83 0.00 0.00 NR NR 34.83 0.000.0076503 Port O Call Life Ins CoNR 137.92 196.33 43.31 11.64 NR 99.43 141.56 8.3931.2368195 Provident Life & Accident Ins CoNR NR NR 0.00 NR NR NR NR NR0.0060445 Sagicor Life Ins CoNR NR NR NR NR NR NR NR NRNR68772 Security Mut Life Ins Co Of NYNR NR 925.49 19.72 17.18 NR NR 839.55 16.0519.7189958 Shelterpoint Ins Co







0.00 157.06 2.48 0.00 0.00 0.00 157.06 2.48 0.000.0098868 Sheridan Life Ins Co0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.000.0069094 State Farm Life & Accident Asr Co0.00 0.00 226.27 420.42 213.31 0.00 0.00 79.34 213.31420.4269108 State Farm Life Ins CoNR 28.76 31.76 36.72 42.56 NR 20.90 23.51 35.5030.5965021 Stonebridge Life Ins CoNR NR 1.15 2.40 NR NR NR 1.15 NR2.4061158 TRIPLE S BLUENR -523.56 34.22 38.79 9.16 NR -523.56 40.63 9.5542.2169973 United Life Ins CoNR NR NR -5.97 340.89 NR NR NR 340.89-5.9763819 Unity Financial Life Ins CoNR NR NR 155.64 118.63 NR NR NR 116.96157.4570173 Universal Underwriters Life Ins CoNR NR NR -23.10 4,613.09 NR NR NR 4,927.62-24.8672613 USAA Direct Life Ins Co

0.00 0.00 0.00 61.81 98.67 0.00 0.00 0.00 98.6761.8168632 Vantis Life Ins CoNR 0.00 0.00 0.00 0.00 NR 0.00 0.00 0.000.0092053 Wateree Life Ins

0.00 0.00 NR -6.48 15.15 0.00 0.00 NR 17.34-7.7088080 XL Life Ins & Ann Co-5.47 -10.66 NR NR NR -6.03 -11.54 NR NRNR69663 USAA Life Ins Co-0.65 -1.70 155.41 -213.76 206.24 -0.65 -1.70 155.40 206.24-213.7661492 Athene Annuity & Life Assur Co-0.87 -0.99 -0.80 1.68 0.00 -0.87 -0.99 -0.80 0.001.6899724 LifeShield Natl Ins Co-0.68 -1.39 130.32 88.93 41.84 -0.68 -1.39 130.32 41.8488.9367261 Old Republic Life Ins Co-4.46 -2.51 -1,209.43 NR 781.40 -3.17 -1.79 -861.05 558.32NR85090 Dearborn Natl Life Ins Co of NY-3.31 -23.14 -6.79 -11.44 -537.53 -3.31 -23.14 -6.79 -537.53-11.4469477 Time Ins Co-9.14 205.15 -0.07 404.94 0.01 -9.14 205.15 -0.07 0.01404.9487645 United Fidelity Life Ins Co

-11.84 -12.50 200.45 270.39 230.70 -11.84 -12.50 200.45 230.70270.3962596 Union Fidelity Life Ins Co-63.82 NR NR -3.73 -2.71 -63.82 NR NR -2.71-3.7368349 North Amer Ins Co

-3.54 47.61 162.58 22.69 73.21 -3.54 47.61 162.58 73.2122.6966087 Mid West Natl Life Ins Co Of TN-5.63 49.70 62.37 62.80 44.20 -5.64 49.70 62.37 44.2062.8099465 Servco Life Ins Co-1.04 43.37 97.17 19.94 43.37 -1.04 43.37 97.17 43.3719.9494447 Century Life Ass Co

-1,011.26 27.82 -72.99 92.99 49.18 -1,011.26 27.82 -72.99 49.1892.9969523 Trans Oceanic Life Ins Co-11,228.98 NR 27.87 17.28 52.56 -11,227.81 NR 27.36 54.7618.0561506 Resource Life Ins Co

-8.15 46.59 58.07 60.83 159.62 -8.15 46.59 48.77 159.6245.8293815 Pacific Century Life Ins CorpNR -9,029.11 -64.08 -17,556.68 22,412.98 NR -9,029.11 -64.08 22,412.98-17,556.6865838 John Hancock Life Ins Co USA

-38.09 32.16 17.85 27.42 25.61 -47.86 40.34 22.40 32.1534.4277151 Service Life & Cas Ins Co-84.09 61.32 370.07 48.72 85.32 -85.99 61.32 399.13 85.3249.5393521 General Fidelity Life Ins Co

-92,384.39 -34.32 37.14 281.07 477.65 -92,384.39 -34.28 37.16 476.86275.6268241 Prudential Ins Co Of AmerNR NR NR NR NR NR NR NR NRNR60186 Allstate Life Ins Co

COMPANIES IN REPORT - COUNTRYWIDE 46.9845.7247.7047.5545.21 47.8344.1646.7745.3842.40140


CREDIT LIFE


BY STATE SUMMARY (2)



CREDIT LIFEBY STATE

5-yr Aggregated Loss Ratio2015 - 2011

5-yr Aggregated Loss Ratio



Business written in the State of




2015 2014 2013 2012 2011

39.48 40.04Alabama 34.66 35.41 6,598,413 7,480,085 6,465,689 7,433,1926,508,23646.49 51.55Alaska 43.44 49.72 378,815 315,652 590,477 571,571240,54030.11 31.56American Samoa 30.11 31.56 13,316 11,639 24,229 2,91512,55549.47 50.05Arizona 51.05 52.10 2,620,624 2,052,922 2,489,512 3,489,9962,499,11234.69 33.43Arkansas 33.38 31.97 2,997,239 3,036,287 3,630,523 3,884,0522,191,11357.54 59.81California 46.07 48.02 8,060,907 7,450,505 8,666,647 8,346,8324,974,27648.43 56.24Colorado 46.10 53.18 2,601,316 2,522,708 2,029,734 2,701,8952,642,22033.93 30.51Connecticut 32.97 29.36 1,272,372 1,301,497 1,530,750 1,429,7531,139,35844.37 52.80Delaware 41.52 49.53 952,160 1,003,525 1,030,533 562,430431,38441.67 47.46District Of Columbia 38.46 43.73 285,799 390,980 356,102 179,181320,79352.31 52.83Florida 49.46 48.57 19,186,316 18,676,004 19,084,356 23,458,53717,845,62858.85 59.88Georgia 57.61 58.78 15,732,936 15,953,755 15,020,744 17,172,82715,964,95131.00 34.14Guam 30.95 34.09 1,168,554 1,124,093 613,519 590,548877,85437.84 29.78Hawaii 38.00 29.50 1,080,064 757,871 1,364,469 1,642,3771,039,03440.48 37.31Idaho 94.12 10,689.26 1,321,687 1,973,413 2,094,100 2,316,4761,924,78144.44 44.59Illinois 43.87 43.70 9,180,916 10,601,972 10,317,681 11,241,67610,101,36364.89 63.94Indiana 60.47 58.48 8,354,449 7,982,856 9,044,734 9,161,5087,928,91040.42 38.70Iowa 40.52 38.60 3,834,403 4,714,833 5,061,042 5,808,5403,580,26938.82 38.53Kansas 32.90 30.58 4,135,930 4,033,176 4,398,795 4,193,1493,865,67842.21 43.31Kentucky 40.02 40.34 7,803,282 7,884,597 7,453,198 8,690,4698,283,67925.90 29.14Louisiana 22.23 23.93 9,915,646 10,463,645 8,778,769 10,184,6249,465,30069.47 76.50Maine 65.88 71.68 2,715,336 2,524,021 2,345,696 2,111,9852,319,38661.84 66.61Maryland 46.92 47.55 4,917,586 6,104,246 4,923,514 5,949,4974,394,16944.39 50.40Massachusetts 41.23 46.75 1,855,958 1,576,678 1,513,613 2,013,0621,054,34957.50 54.45Michigan 55.96 52.01 15,910,448 17,350,082 17,636,294 18,448,90114,565,08255.34 55.20Minnesota 55.42 54.99 4,155,042 4,808,945 5,842,310 5,266,2063,415,93235.40 36.78Mississippi 31.31 32.24 7,489,081 7,842,119 6,765,195 7,404,2119,131,53853.01 52.72Missouri 55.90 56.00 10,104,733 10,477,997 10,121,002 12,061,0329,246,64449.90 51.66Montana 49.16 50.98 1,491,423 1,344,667 1,584,881 1,656,495779,46036.50 33.18Nebraska 36.45 33.01 1,577,812 1,843,989 2,236,153 3,161,0051,425,42851.01 53.68Nevada 51.85 54.70 678,017 508,508 928,529 1,617,970908,33837.77 38.06New Hampshire 25.00 25.01 1,942,083 1,804,217 1,874,546 1,737,1191,767,70649.40 49.50New Jersey 46.80 47.41 2,968,251 2,714,413 3,359,172 3,829,0462,079,61449.79 49.36New Mexico 52.24 50.87 3,618,140 3,899,682 3,895,123 4,362,9703,321,50168.58 65.69New York 58.14 54.37 16,558,662 18,707,010 18,634,418 19,748,13716,437,78057.97 58.36North Carolina 55.71 55.41 16,070,508 15,808,089 18,026,821 17,501,90115,946,24744.46 45.39North Dakota 43.70 44.62 1,619,151 2,438,892 1,789,978 2,239,5372,312,05426.09 15.39Northern Mariana Islands 25.97 15.30 75,455 7,001 4,205 147,53826,21151.36 50.42Ohio 48.00 46.42 11,749,023 11,931,436 12,282,794 14,079,16710,206,343



CREDIT LIFEBY STATE





Business written in the State of




2015 2014 2013 2012 2011

43.49 44.34Oklahoma 42.98 43.78 6,205,611 6,756,254 6,749,740 7,647,6215,452,13365.16 64.58Oregon 65.13 64.35 3,106,086 3,841,497 4,846,155 4,344,3853,095,17263.70 64.25Pennsylvania 62.98 64.18 20,462,458 20,808,268 24,445,032 27,196,09818,471,60028.41 30.59Puerto Rico 28.82 25.38 10,716,773 11,646,171 12,816,175 12,756,82110,839,46864.43 71.71Rhode Island 59.77 66.69 517,040 399,232 499,406 506,528317,10447.21 48.97South Carolina 45.82 47.55 11,198,063 10,629,662 10,053,318 10,460,78811,767,17633.04 32.25South Dakota 31.64 30.58 1,103,811 1,094,289 1,561,426 1,258,5641,176,47744.16 45.08Tennessee 43.30 44.24 12,869,545 13,305,560 12,876,501 14,375,35613,115,69234.78 33.80Texas 40.05 39.23 37,895,987 33,420,864 34,923,298 39,865,46734,063,56235.65 37.69US Virgin Islands 39.25 37.98 513,135 790,569 653,254 934,926802,40542.85 42.61Utah 37.24 37.46 2,917,278 2,569,088 3,221,392 3,564,5323,768,35267.72 62.53Vermont 64.00 58.32 665,895 783,293 1,181,701 1,197,8801,116,89369.05 68.17Virginia 68.32 68.39 12,880,720 11,214,487 12,645,545 14,236,7859,932,81368.61 74.28Washington 69.04 74.41 3,227,384 3,678,923 3,890,860 5,052,7633,157,61449.06 50.91West Virginia 48.67 50.57 3,328,643 3,448,467 3,684,142 3,111,6492,585,04746.60 45.92Wisconsin 45.86 44.98 4,420,712 5,850,232 6,345,560 6,656,5784,925,58842.78 38.80Wyoming 42.05 38.26 608,329 529,527 1,098,394 946,384659,18746.63 46.8345.33 44.83 345,629,323 352,190,393 365,301,745 400,511,452Total 326,421,096



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 2015 20152014 20142013 20132012 20122011 2011

37.45 38.72 44.02 37.22 40.01 33.73 35.09 37.31 32.18 34.95Alabama39.71 53.38 63.34 54.36 35.47 39.12 51.85 59.00 47.55 33.52Alaska72.53 36.71 17.83 32.07 14.33 72.53 36.71 17.83 32.07 14.33American Samoa52.84 55.30 42.21 42.65 54.38 55.67 58.46 42.81 44.66 54.34Arizona26.83 39.75 34.14 37.50 35.02 25.71 37.88 32.69 36.09 34.16Arkansas48.39 70.90 59.12 60.01 50.67 38.80 57.12 47.37 48.29 40.16California59.85 57.28 51.99 35.14 43.43 56.50 55.35 48.26 33.89 41.43Colorado26.40 31.00 34.72 42.25 36.86 25.28 29.82 33.60 41.22 36.83Connecticut32.85 63.37 58.86 49.50 23.75 30.38 57.59 57.46 45.31 22.57Delaware48.77 41.16 52.14 44.41 23.14 45.15 38.11 47.63 40.32 21.81District Of Columbia51.99 54.51 51.99 48.41 54.62 47.31 49.85 48.52 47.07 54.07Florida60.96 58.52 60.20 55.41 59.23 60.02 57.48 58.87 54.25 57.56Georgia25.34 37.44 41.61 25.12 24.78 25.31 37.41 41.52 25.07 24.74Guam30.62 33.21 25.14 45.25 57.14 30.69 32.80 24.65 44.55 61.51Hawaii39.93 28.62 43.33 43.03 46.96 37.18 27.62 NR 41.39 45.22Idaho46.34 40.96 46.50 43.28 45.13 45.56 40.08 45.48 42.49 45.74Illinois62.16 65.86 63.80 67.54 64.95 58.99 60.11 56.40 64.93 61.83Indiana36.57 36.89 42.25 41.20 43.73 36.44 36.83 42.16 41.54 44.17Iowa36.68 39.67 39.27 40.89 37.63 27.27 30.20 35.12 38.28 35.39Kansas45.25 42.32 42.37 38.31 42.95 40.06 40.47 40.49 36.70 42.41Kentucky27.16 28.96 31.38 20.43 23.65 20.61 24.15 27.72 18.58 21.41Louisiana73.15 84.54 72.15 65.25 55.26 68.04 79.36 67.93 61.50 54.45Maine60.85 63.47 74.68 52.97 59.05 39.49 44.80 59.18 43.35 48.56Maryland41.11 64.48 45.57 33.68 43.24 38.29 60.00 42.03 31.46 40.03Massachusetts48.75 54.88 59.88 59.24 65.14 44.81 51.75 60.43 59.15 65.50Michigan50.17 55.93 58.72 61.96 49.74 50.89 56.09 57.31 62.16 50.31Minnesota39.49 34.10 36.62 32.45 34.00 34.30 29.61 32.72 29.16 30.44Mississippi49.48 53.59 55.03 49.80 56.87 52.98 56.99 57.93 52.03 59.33Missouri40.09 64.52 49.03 49.64 46.65 39.40 63.97 48.33 48.99 45.73Montana32.19 32.71 34.41 37.79 41.93 32.00 32.61 34.20 37.65 42.26Nebraska85.18 55.36 31.55 42.01 54.21 85.51 56.35 32.51 42.37 55.22Nevada36.56 38.32 39.33 34.83 40.48 24.19 24.81 26.11 23.35 27.01New Hampshire44.10 57.78 46.57 49.61 49.01 42.31 55.82 44.20 46.81 45.61New Jersey45.44 48.45 54.30 46.25 54.70 45.57 50.56 56.82 49.67 58.88New Mexico61.41 64.37 71.35 87.14 63.18 50.40 52.92 59.96 74.09 56.94New York59.92 58.43 56.81 59.96 55.04 56.30 55.57 54.38 58.13 54.19North Carolina50.21 34.36 51.71 37.60 48.70 49.31 33.76 50.90 36.99 47.83North Dakota10.09 29.11 3.74 3.28 90.20 10.02 28.89 3.74 3.26 90.14Northern Mariana Islands46.74 52.40 52.00 49.89 55.24 41.35 49.09 48.94 47.56 52.72Ohio



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 2015 20152014 20142013 20132012 20122011 2011

44.46 42.24 46.34 42.47 42.43 44.21 41.90 45.29 41.49 42.46Oklahoma67.43 60.42 66.01 69.55 62.09 67.13 60.38 65.65 68.96 62.98Oregon66.48 66.06 60.81 62.70 63.43 66.61 66.26 60.35 61.80 61.51Pennsylvania29.44 30.10 32.26 32.78 21.52 23.46 25.15 27.74 28.46 45.36Puerto Rico67.47 93.26 57.39 60.68 54.33 63.41 88.84 52.03 55.70 50.63Rhode Island53.03 46.68 47.41 44.28 44.88 52.17 45.02 45.78 42.94 43.55South Carolina35.88 31.91 29.38 39.02 29.39 33.84 30.23 28.00 37.46 28.78South Dakota45.32 44.27 45.64 40.91 44.85 43.32 44.27 45.16 40.31 43.67Tennessee31.28 37.29 33.00 32.09 40.93 36.26 43.30 38.34 36.26 46.94Texas45.33 25.96 42.94 32.86 33.55 46.07 25.97 43.24 35.24 46.47US Virgin Islands48.73 41.71 36.74 39.28 47.44 40.11 40.43 31.74 32.76 41.77Utah91.11 47.38 53.19 66.81 83.76 84.93 44.11 49.71 63.33 81.98Vermont60.02 77.56 66.93 68.10 72.17 61.82 78.37 65.00 62.03 74.88Virginia79.77 72.16 71.87 57.54 68.34 81.35 73.20 70.28 56.50 70.98Washington45.01 54.43 52.81 52.01 41.70 44.54 54.60 52.14 51.17 41.58West Virginia46.97 40.09 50.51 49.18 45.86 45.01 39.94 49.69 48.23 45.75Wisconsin48.41 39.98 30.28 54.33 40.66 47.82 39.53 29.76 53.40 39.72Wyoming45.21 47.55 47.70 45.72 46.98 42.40 45.38 46.77 44.16 47.83Total


CREDIT LIFE

EARNED PREMIUMS



2015 CREDIT EXPERIENCE REPORTEarned Premiums


Earned Premiums $

COCODE COMPANY NAMEBusiness

TypeDOM 2015 2014 2013 2012 2011

62626 CMFG Life Ins Co IA L 187,354,262 177,889,953 177,066,040 178,195,151196,333,81061751 Central States H & L Co Of Omaha NE L 62,845,252 58,932,849 55,794,086 53,389,48865,316,94960518 American Hlth & Life Ins Co TX L 54,175,890 52,951,611 54,077,787 56,663,19252,015,35266168 Minnesota Life Ins Co MN L 43,530,614 44,061,049 45,653,824 49,148,84647,183,54397691 Life Of The South Ins Co GA L 32,795,210 29,469,644 29,444,424 30,287,64039,681,70065951 Merit Life Ins Co IN L 32,335,015 26,283,489 22,081,603 20,414,77538,135,04860275 American Bankers Life Assur Co Of FL FL L 43,247,939 50,171,879 55,163,947 61,005,51630,329,79360739 American Natl Ins Co TX L 24,283,783 26,849,633 29,244,713 30,682,37328,798,60186231 Transamerica Life Ins Co IA L 25,555,627 25,394,708 25,624,598 20,522,29724,759,65697152 Plateau Ins Co TN L 15,208,330 12,367,163 10,942,549 10,814,00619,061,17793777 Pavonia Life Ins Co of MI MI L 23,209,829 28,493,783 39,231,317 47,490,60416,533,03868136 Protective Life Ins Co TN L 17,653,312 18,465,061 19,779,187 22,782,37216,373,11673156 Caribbean Amer Life Assur Co PR L 14,572,152 14,743,780 15,828,796 43,429,09314,750,97661298 Bankers Life Of LA LA L 10,657,132 10,140,650 9,554,827 8,842,53411,559,92066281 Transamerica Premier Life Ins Co IA L 7,931,032 9,018,737 9,529,943 10,618,92510,486,61779715 Cooperativa De Seguros De Vida PR L 10,800,494 10,138,514 11,074,161 11,866,51410,466,59167628 Pekin Life Ins Co IL L 7,775,728 6,666,032 5,615,385 5,047,6678,641,55365811 American Modern Life Ins Co OH L 10,161,003 12,096,219 15,537,158 18,423,1337,937,12198736 American Federated Life Ins Co MS L 6,650,378 6,712,871 6,521,881 6,087,4597,157,28877054 MAPFRE Life Ins Co of PR PR L 3,654,057 3,148,447 4,447,922 5,295,5226,122,65576007 Old United Life Ins Co AZ L 5,196,486 4,761,349 4,620,665 4,899,9424,864,17771455 Financial Amer Life Ins Co KS L 7,994,244 12,471,611 13,403,295 14,613,0254,618,14770688 Transamerica Financial Life Ins Co NY L 4,259,621 4,576,208 4,524,636 4,652,2174,554,84260041 UNIVERSAL LIFE INS CO PR L 5,316,120 6,361,783 5,657,119 04,389,59581779 Individual Assur Co Life Hlth & Acc OK L 6,045,832 7,584,723 8,392,361 8,779,8523,772,51160242 Southern Financial Life Ins Co KY L 3,629,363 3,680,298 3,770,241 4,018,8053,761,86270548 Wichita Natl Life Ins Co OK L 5,555,653 4,402,492 4,251,203 4,300,0983,433,08064904 Investors Heritage Life Ins Co KY L 3,760,740 4,152,864 4,420,321 4,247,9713,355,53064211 Guarantee Trust Life Ins Co IL L 4,614,344 6,391,328 7,939,956 8,887,4393,092,94893742 Securian Life Ins Co MN L 4,659,694 1,632,506 1,067,534 1,061,2623,048,69977976 Gulf Guar Life Ins Co MS L 2,860,892 3,138,445 3,457,584 3,873,0492,760,11460836 American Republic Ins Co IA L 3,567,543 4,563,553 5,802,364 7,154,0882,567,76580020 Mountain Life Ins Co TN L 2,475,297 2,773,804 4,058,203 3,424,7252,345,35286118 Arkansas Bankers Life Ins Co AR L 989,692 1,274,459 1,114,151 1,350,2462,155,24874365 Southern Pioneer Life Ins Co AR L 2,218,618 2,965,267 4,762,686 6,561,4691,927,08285677 Life Assur Co Inc OK L 1,869,263 2,049,454 2,196,350 2,349,2341,729,82979340 Pavonia Life Ins Co NY NY L 1,478,156 1,733,160 -4,161,290 4,086,3011,704,08272087 Multinational Life Ins Co PR L 1,934,946 2,219,904 2,584,307 01,682,37277690 Trans City Life Ins Co AZ L 1,560,366 1,433,810 1,371,990 1,311,1551,636,33199538 SWBC Life Ins Co TX L 845,314 673,361 520,391 395,8161,313,45060534 American Heritage Life Ins Co FL L 2,577,383 4,801,427 19,919,062 -1,565,1321,294,82065480 Old Spartan Life Ins Co Inc SC L 1,355,618 1,478,464 1,367,493 1,232,8481,105,213




Earned Premiums $


TypeDOM 2015 2014 2013 2012 2011

60244 Kentucky Home Life Ins Co KY L 1,165,947 1,371,526 1,802,659 2,276,3991,100,82171323 Zale Life Ins Co AZ L 1,019,963 1,018,984 961,318 762,328933,26874233 First Natl Life Ins Co Of USA NE L 790,269 891,937 975,170 988,846758,57192274 Landcar Life Ins Co UT L 1,129,171 1,691,325 4,386,433 1,708,363705,80993650 Versant Life Ins Co MS L 256,781 460,443 483,731 461,035703,02281477 Union Security Life Ins Co of NY NY L 604,569 817,128 1,074,334 1,408,100554,33283992 Foundation Life Ins Co Of AR AR L 0 483,990 457,747 538,990500,61270106 United States Life Ins Co in the Cit NY L 662,507 885,804 1,189,031 1,638,424458,03560488 American Gen Life Ins Co TX L 4,800,806 5,900,288 8,404,696 0428,70871463 CICA Life Ins Co of Amer CO L 389,422 381,424 388,960 410,961418,74174470 Great Central Life Ins Co LA L 392,482 450,888 470,364 493,921342,85588536 Protective Life & Annuity Ins Co AL L 359,238 381,081 424,244 482,619294,33175094 Life Ins Co Of LA LA L 285,339 365,251 373,264 223,167291,48162650 Delta Life Ins Co GA L 272,729 229,464 292,643 316,798247,26162383 Centurion Life Ins Co IA L 327,571 828,518 1,804,792 3,204,587201,42377151 Service Life & Cas Ins Co TX L 979,701 3,059,333 6,062,693 10,067,805190,31093815 Pacific Century Life Ins Corp AZ L 116,219 99,027 61,872 32,355184,02760895 American United Life Ins Co IN L 272,837 481,476 810,920 1,518,809165,43661409 National Benefit Life Ins Co NY L 428,657 675,254 950,374 916,796145,14193521 General Fidelity Life Ins Co SC L 219,006 365,134 556,187 777,289144,84873989 Mililani Life Ins Co Ltd HI L 101,592 0 4,820 099,76394447 Century Life Ass Co OK L 134,473 270,205 476,056 786,52769,64560246 Netcare Life & Hlth Ins Co GU L 32,395 31,592 30,091 38,58261,38071870 Fidelity Security Life Ins Co MO L 79,337 100,493 125,634 181,98858,22191448 Southwest Credit Life Inc NM L 111,162 71,581 70,639 60,30339,32392649 American Underwriters Life Ins Co AZ L 40,016 0 0 142,31229,89465560 Life Protection Ins Co TX L 99,896 126,285 158,016 298,13423,95570435 The Savings Bank Life Ins Co Of MA MA L 28,149 62,816 83,054 119,97220,21965757 Shelter Life Ins Co MO L 30,217 81,660 110,895 179,92811,59262235 Unum Life Ins Co Of Amer ME L 0 0 0 09,14462553 Country Life Ins Co IL L 9,497 10,467 11,168 11,0498,74898868 Sheridan Life Ins Co OK L 8,559 33,230 45,384 80,0748,70279049 Alfa Life Ins Corp AL L 10,619 22,085 24,449 39,3528,36571480 Great Western Ins Co UT L 7,192 10,076 12,365 19,8008,16499465 Servco Life Ins Co TX L 73,278 386,410 1,052,738 2,194,1717,20566087 Mid West Natl Life Ins Co Of TN TX L 11,211 9,382 22,791 53,7856,64467261 Old Republic Life Ins Co IL L 11,284 26,154 66,596 160,8822,35961492 Athene Annuity & Life Assur Co DE L 2,649 3,623 9,296 7,0002,14499724 LifeShield Natl Ins Co OK L 2,719 3,763 4,879 6,2671,60869477 Time Ins Co WI L 1,076 3,165 4,265 6,8701,36168632 Vantis Life Ins Co CT L 2,644 6,025 10,249 14,9471,34762928 EMC Natl Life Co IA L 989 1,711 1,977 2,1081,156




Earned Premiums $


TypeDOM 2015 2014 2013 2012 2011

88080 XL Life Ins & Ann Co IL L 1,158 -804 2,316 7,81580887645 United Fidelity Life Ins Co TX L 1,845 4,519 7,000 10,74268962596 Union Fidelity Life Ins Co KS L 6,384 24,550 28,230 61,94559171099 Parker Centennial Assur Co WI L 895 1,327 1,716 -59,93750269523 Trans Oceanic Life Ins Co PR L 4,263 17,574 66,676 74,71344485090 Dearborn Natl Life Ins Co of NY NY L 758 870 -868 2,75342689087 Enterprise Life Ins Co TX L 11,464 397,971 552,750 1,494,18235368241 Prudential Ins Co Of Amer NJ L 915 2,337 4,956 12,58323761476 Boston Mut Life Ins Co MA L 260 332 384 44321869108 State Farm Life Ins Co IL L 565 2,071 11,446 63,97319468349 North Amer Ins Co WI L -2,527 -3,219 14,679 30,80515269663 USAA Life Ins Co TX L 197 -13,812 0 012861506 Resource Life Ins Co IL L -17,263 221,566 997,217 2,890,1609669094 State Farm Life & Accident Asr Co IL L 70 103 374 1,8204576112 Oxford Life Ins Co AZ L 290 -1,711 2,241 4,0622260054 Aetna Life Ins Co CT L 0 0 0 0060186 Allstate Life Ins Co IL L 0 0 0 0068373 American Gen Assur Co IL L 0 0 0 13,584,872066842 American Gen Life Ins Co of DE DE L 0 0 0 0071439 Assurity Life Ins Co NE L 0 0 0 87068160 Balboa Life Ins Co CA L 0 40,154 99,519 239,499010097 Balboa Life Ins Co Of NY NY L 0 0 0 -19,028061212 Baltimore Life Ins Co MD L 135 1,042 2,010 3,264081043 Bankers Life Ins Co FL L 0 0 502 3,108090867 Century Credit Life Ins Co MS L 0 0 0 0061824 Cherokee Natl Life Ins Co GA L 0 4,096,935 5,293,897 6,823,060061921 Citizens Security Life Ins Co KY L 0 0 0 49088374 Commonwealth Dealers Life Ins Co VA L 54 1,517 10,905 40,566078301 Corvesta Life Ins Co AZ L 0 0 0 5063088 Farm Bureau Life Ins Co IA L 0 0 0 0094579 First Assur Life Of Amer LA L 0 0 9,763,408 8,700,009065536 Genworth Life & Ann Ins Co VA L 0 0 0 0090212 Great Southern Life Ins Co TX L 0 0 0 0064394 Heritage Life Ins Co AZ L 0 0 0 0065838 John Hancock Life Ins Co USA MI L 237 721 2,664 2,851065676 Lincoln Natl Life Ins Co IN L 0 -804 56 722065781 Madison Natl Life Ins Co Inc WI L 0 0 0 0061018 Magna Ins Co MS L 0 0 0 2,782,054068020 Mcdonald Life Ins Co TX L 0 0 0 0097055 Mega Life & Hlth Ins Co The OK L 0 14,313 25,916 46,127065978 Metropolitan Life Ins Co NY L 0 8,553 162,732 326,469089007 Pavonia Life Ins Co Of DE DE L 132,536 161,587 229,616 242,8600




Earned Premiums $


TypeDOM 2015 2014 2013 2012 2011

71803 Pemco Life Ins Co WA L 0 0 0 0076503 Port O Call Life Ins Co AR L 0 63,861 71,434 61,532068195 Provident Life & Accident Ins Co TN L 4,269 6,572 6,902 7,081060445 Sagicor Life Ins Co TX L 0 0 188 0068772 Security Mut Life Ins Co Of NY NY L 0 0 0 0089958 Shelterpoint Ins Co FL L 0 1,552 197,120 1,169,812065021 Stonebridge Life Ins Co VT L 624,702 731,410 1,805,275 2,138,644061158 TRIPLE S BLUE PR L 0 116,491 151,932 0069973 United Life Ins Co IA L 191 5,844 22,103 45,372063819 Unity Financial Life Ins Co OH L 0 0 720 1,844070173 Universal Underwriters Life Ins Co KS L -2,453 -5,218 15,154 385,624072613 USAA Direct Life Ins Co NE L 0 0 394 611092053 Wateree Life Ins SC L 1,685,544 1,156,822 1,267,769 1,385,760075612 Gulf States Life Ins Co LA L 23,461 82,951 689,413 696,539-244

140 Companies - COUNTRYWIDE 726,912,343 738,353,317 799,020,309 852,538,612722,012,184




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

COMPANY NAME DOMBusiness

TypeCOCODE 2015 20152014 20142013 20132012 20122011 2011

-18.01 -14.64 -7.32-9.93-11.55CMFG Life Ins Co L 219,498,614 201,127,862 196,583,642 192,259,30462626 IA 239,461,9459.55 8.26 3.845.466.62Central States H & L Co Of Omaha L 58,051,161 55,272,493 52,907,194 51,415,98861751 NE 59,624,079

-4.84 -5.64 -5.65-5.85-6.24Minnesota Life Ins Co L 46,134,298 46,991,603 48,488,891 52,092,32666168 MN 49,581,8027.06 6.83 4.285.255.72American Hlth & Life Ins Co L 50,712,168 50,088,027 51,382,064 54,339,05460518 TX 48,585,084

-0.80 -0.29 -0.070.020.92Life Of The South Ins Co L 32,890,879 29,201,602 29,439,653 30,308,44497691 GA 40,001,9583.28 2.77 0.701.401.42Merit Life Ins Co L 31,464,634 25,914,546 21,776,477 20,272,28265951 IN 36,924,549

-3.67 -2.71 -2.72-2.01-2.38American Bankers Life Assur Co Of FL L 44,453,404 51,395,231 56,296,012 62,714,24960275 FL 31,486,0330.49 -1.11 0.640.313.56American Natl Ins Co L 24,556,726 25,927,734 29,154,521 30,488,30160739 TX 28,658,090

-12.96 -13.32 -17.64-13.8661.06Transamerica Life Ins Co L 29,482,304 15,767,081 29,746,100 24,918,62986231 IA 28,446,3050.43 0.62 0.000.000.00Plateau Ins Co L 15,114,975 12,367,167 10,942,553 10,814,00697152 TN 18,979,776

-43.01 -38.77 60.00-38.00-38.17Cooperativa De Seguros De Vida L 17,638,392 16,396,152 17,860,824 7,416,57279715 PR 18,366,6367.82 10.52 0.140.504.03Pavonia Life Ins Co of MI L 21,001,470 27,389,420 39,034,751 47,425,08893777 MI 15,333,2999.21 8.15 4.625.456.70Protective Life Ins Co L 16,323,437 17,305,391 18,757,001 21,776,44368136 TN 14,992,1320.00 0.00 167.394.210.00Caribbean Amer Life Assur Co L 14,572,152 14,743,780 15,189,624 16,241,99273156 PR 14,750,976

-13.97 -16.77 -9.47-13.93-14.22Transamerica Premier Life Ins Co L 9,529,234 10,513,257 11,072,661 11,730,18266281 IA 12,189,4280.00 0.00 0.000.000.00Bankers Life Of LA L 10,657,132 10,140,650 9,554,827 8,842,53461298 LA 11,559,920

-0.70 -0.21 -0.38-0.56-0.45Pekin Life Ins Co L 7,792,458 6,696,202 5,646,836 5,067,02867628 IL 8,702,594-2.62 -2.12 -1.16-3.45-2.74American Modern Life Ins Co L 10,381,089 12,436,812 16,092,463 18,638,43265811 OH 8,150,896

-19.14 -4.39 6.038.3213.91MAPFRE Life Ins Co of PR L 3,821,973 2,763,907 4,106,125 4,994,48277054 PR 7,572,1490.00 0.00 0.000.000.00American Federated Life Ins Co L 6,650,378 6,712,871 6,521,881 6,087,45998736 MS 7,157,288

-5.60 -9.72 -6.06-4.93-5.24Transamerica Financial Life Ins Co L 4,718,030 4,829,300 4,759,514 4,952,26970688 NY 4,824,8548.45 8.56 9.319.489.46Old United Life Ins Co L 4,786,887 4,349,717 4,220,612 4,482,51276007 AZ 4,485,0310.00 0.00 NR0.000.00UNIVERSAL LIFE INS CO L 5,316,120 6,361,783 5,657,119 060041 PR 4,389,5959.39 8.61 6.957.748.41Financial Amer Life Ins Co L 7,360,587 11,504,267 12,439,951 13,663,24171455 KS 4,221,887

-0.10 0.71 -0.22-0.13-0.10Individual Assur Co Life Hlth & Acc L 6,003,303 7,592,434 8,403,410 8,798,94681779 OK 3,776,2760.00 0.00 0.000.000.00Southern Financial Life Ins Co L 3,629,363 3,680,298 3,770,241 4,018,80560242 KY 3,761,8620.00 0.00 0.000.000.00Wichita Natl Life Ins Co L 5,555,654 4,402,493 4,251,203 4,300,09870548 OK 3,433,0800.00 0.00 0.000.000.00Investors Heritage Life Ins Co L 3,760,740 4,152,864 4,420,321 4,247,97164904 KY 3,355,530

-17.67 -18.86 -24.95-23.12-21.61Gulf Guar Life Ins Co L 3,525,671 4,003,818 4,497,576 5,160,38477976 MS 3,352,483-7.07 -2.42 -3.18-2.77-2.88Securian Life Ins Co L 4,775,354 1,680,899 1,097,996 1,096,15393742 MN 3,280,7410.00 0.00 -0.390.000.00Guarantee Trust Life Ins Co L 4,614,344 6,391,328 7,939,793 8,922,67764211 IL 3,092,948

-0.32 -0.18 -0.40-0.07-0.32American Republic Ins Co L 3,573,943 4,578,051 5,806,500 7,183,09760836 IA 2,576,0120.00 0.00 0.000.000.00Mountain Life Ins Co L 2,475,297 2,773,804 4,058,203 3,424,72580020 TN 2,345,3520.00 0.00 0.000.000.00Arkansas Bankers Life Ins Co L 989,692 1,274,459 1,114,151 1,350,24686118 AR 2,155,2480.00 0.00 11.900.000.00Southern Pioneer Life Ins Co L 2,218,618 2,965,267 4,762,686 5,863,80974365 AR 1,927,0820.00 0.00 NR0.000.00Multinational Life Ins Co L 1,934,946 2,219,904 2,584,307 072087 PR 1,682,372






TypeCOCODE 2015 20152014 20142013 20132012 20122011 2011

0.00 0.00 0.000.000.00Trans City Life Ins Co L 1,560,366 1,433,810 1,371,990 1,311,15577690 AZ 1,636,3307.31 3.20 -2.90-1.49-0.90Pavonia Life Ins Co NY L 1,432,301 1,748,860 -4,100,124 4,208,45379340 NY 1,588,052

23.06 23.79 25.4525.7224.76Life Assur Co Inc L 1,509,984 1,642,732 1,746,996 1,872,63185677 OK 1,405,6750.00 -0.38 -0.01-0.57-0.42American Heritage Life Ins Co L 2,587,199 4,821,511 20,032,387 -1,564,91060534 FL 1,294,817

17.55 23.03 29.5324.1725.11SWBC Life Ins Co L 687,092 538,194 419,104 305,57599538 TX 1,117,3550.00 0.00 0.000.000.00Old Spartan Life Ins Co Inc L 1,355,618 1,478,464 1,367,493 1,232,84865480 SC 1,105,2130.00 0.00 -0.010.000.00Kentucky Home Life Ins Co L 1,165,947 1,371,526 1,802,659 2,276,52460244 KY 1,100,8210.00 0.00 0.010.000.00Zale Life Ins Co L 1,019,963 1,018,984 961,318 762,23871323 AZ 933,268

-30.96 -29.53 0.000.00-9.15Union Security Life Ins Co of NY L 857,909 899,470 1,074,334 1,408,10081477 NY 802,9540.00 0.00 11.560.000.00First Natl Life Ins Co Of USA L 790,269 891,937 975,171 886,38074233 NE 758,5710.00 0.00 0.000.000.00Versant Life Ins Co L 256,781 460,443 483,731 461,03593650 MS 703,0220.00 NR 0.000.000.00Foundation Life Ins Co Of AR L 0 483,990 457,747 538,99083992 AR 500,6123.58 -6.04 -9.03-6.57-5.86United States Life Ins Co in the Cit L 705,120 940,978 1,272,686 1,800,96470106 NY 442,1960.00 0.00 0.000.000.00CICA Life Ins Co of Amer L 389,422 381,424 388,960 410,96171463 CO 418,741

-15.02 -7.49 0.000.00-0.22Protective Life & Annuity Ins Co L 388,309 381,905 424,244 482,61988536 AL 346,3350.00 0.00 0.000.000.00Great Central Life Ins Co L 392,482 450,888 470,364 493,92174470 LA 342,855

-2.72 -3.84 -6.26-3.12-2.48Life Ins Co Of LA L 296,734 374,537 385,277 238,06975094 LA 299,62460.94 2.44 NR0.62-0.43American Gen Life Ins Co L 4,686,632 5,925,976 8,353,184 060488 TX 266,3720.00 0.00 0.000.000.00Delta Life Ins Co L 272,729 229,464 292,643 316,79862650 GA 247,261

-0.07 -0.47 -1.67-2.47-1.34Centurion Life Ins Co L 329,130 839,769 1,850,556 3,259,05762383 IA 201,5640.00 0.00 0.00-24.67-16.02Pacific Century Life Ins Corp L 116,219 117,912 82,137 32,35593815 AZ 184,027

-7.19 13.73 4.306.0919.49American United Life Ins Co L 239,905 402,935 764,387 1,456,13560895 IN 178,25025.67 25.44 25.5625.5425.52Service Life & Cas Ins Co L 781,018 2,437,348 4,829,335 8,018,55177151 TX 151,436

2.26 0.00 -0.011.677.85General Fidelity Life Ins Co L 219,005 338,545 547,068 777,33493521 SC 141,64021.45 22.07 3.933.0513.26National Benefit Life Ins Co L 351,157 596,224 922,221 882,09361409 NY 119,505

0.00 0.00 NR0.00NRMililani Life Ins Co Ltd L 101,592 0 4,820 073989 HI 99,763-40.99 -39.30 -43.95-42.70-38.87Fidelity Security Life Ins Co L 130,697 164,383 219,253 324,70071870 MO 98,656

0.00 0.00 0.000.000.00Century Life Ass Co L 134,473 270,205 476,056 786,52794447 OK 69,6450.00 0.00 0.000.000.00Netcare Life & Hlth Ins Co L 32,395 31,592 30,091 38,58260246 GU 61,3800.00 0.00 0.000.000.00Southwest Credit Life Inc L 111,162 71,581 70,639 60,30391448 NM 39,323

-43.48 -43.48 -43.48-43.48-43.48The Savings Bank Life Ins Co Of MA L 49,803 111,134 146,940 212,25970435 MA 35,7720.00 0.00 0.00NRNRAmerican Underwriters Life Ins Co L 40,016 0 0 142,31292649 AZ 29,894

24.49 24.80 27.3325.2525.10Life Protection Ins Co L 80,044 100,945 126,158 234,13765560 TX 19,242-38.90 -44.26 -36.70-43.78-22.86Alfa Life Ins Corp L 19,051 28,629 43,486 62,17179049 AL 13,690-27.90 NR NRNRNRUnum Life Ins Co Of Amer L 0 0 0 062235 ME 12,682

0.00 0.00 31.950.060.00Shelter Life Ins Co L 30,217 81,660 110,834 136,35865757 MO 11,592






TypeCOCODE 2015 20152014 20142013 20132012 20122011 2011

-23.38 -22.58 -23.98-22.89-23.52Country Life Ins Co L 12,267 13,686 14,483 14,53562553 IL 11,4170.00 0.00 0.000.000.00Sheridan Life Ins Co L 8,559 33,230 45,384 80,07498868 OK 8,7020.00 0.00 0.893.060.00Great Western Ins Co L 7,192 10,076 11,998 19,62671480 UT 8,1640.06 0.00 0.000.000.00Servco Life Ins Co L 73,279 386,410 1,052,738 2,194,17099465 TX 7,2010.00 0.00 0.000.000.00Mid West Natl Life Ins Co Of TN L 11,211 9,382 22,791 53,78466087 TX 6,6440.00 0.00 0.000.000.00Old Republic Life Ins Co L 11,284 26,154 66,596 160,88267261 IL 2,3590.05 0.00 0.000.000.00Athene Annuity & Life Assur Co L 2,649 3,623 9,296 7,00061492 DE 2,1430.00 0.00 0.000.000.00LifeShield Natl Ins Co L 2,719 3,763 4,879 6,26799724 OK 1,6080.00 0.00 0.000.00-0.03Time Ins Co L 1,076 3,166 4,265 6,87069477 WI 1,3610.00 0.00 0.000.000.00Vantis Life Ins Co L 2,644 6,025 10,249 14,94768632 CT 1,3470.00 0.00 0.000.000.00EMC Natl Life Co L 989 1,711 1,977 2,10862928 IA 1,1560.00 0.00 0.000.000.00United Fidelity Life Ins Co L 1,845 4,519 7,000 10,74287645 TX 689

20.06 20.00 14.4418.8325.07XL Life Ins & Ann Co L 965 -1,073 1,949 6,82988080 IL 673-28.88 -28.63 -28.5529.60-28.81Dearborn Natl Life Ins Co of NY L 1,062 1,222 -1,233 3,85385090 NY 599

0.00 0.00 0.000.000.00Union Fidelity Life Ins Co L 6,384 24,550 28,230 61,94562596 KS 5910.00 34.79 -17.34-0.060.00Parker Centennial Assur Co L 664 1,327 1,717 -51,08071099 WI 502

-59.92 -63.97 0.000.00-64.93State Farm Life Ins Co L 1,568 5,906 11,446 63,97369108 IL 4840.00 0.00 0.000.000.00Trans Oceanic Life Ins Co L 4,263 17,574 66,676 74,71369523 PR 4440.00 0.00 0.000.000.00Enterprise Life Ins Co L 11,464 397,971 552,750 1,494,18289087 TX 3530.00 -0.11 -0.17-1.940.04Prudential Ins Co Of Amer L 916 2,336 5,054 12,60468241 NJ 2370.00 0.00 0.000.000.00Boston Mut Life Ins Co L 260 332 384 44361476 MA 2180.00 0.02 0.01-0.010.03North Amer Ins Co L -2,528 -3,220 14,680 30,80368349 WI 152

-67.63 -65.69 0.000.00-70.49State Farm Life & Accident Asr Co L 204 349 374 1,82069094 IL 13910.34 8.24 NRNR-5.77USAA Life Ins Co L 182 -13,058 0 069663 TX 116-0.01 -745.27 4.184.44-1.84Resource Life Ins Co L -2,042 225,726 954,865 2,774,14361506 IL 960.00 0.00 0.000.000.00Oxford Life Ins Co L 290 -1,711 2,241 4,06276112 AZ 22NR NR NRNRNRAetna Life Ins Co L 0 0 0 060054 CT 0NR NR NRNRNRAllstate Life Ins Co L 0 0 0 060186 IL 0NR NR 0.05NRNRAmerican Gen Assur Co L 0 0 0 13,577,67468373 IL 0NR NR NRNRNRAmerican Gen Life Ins Co of DE L 0 0 0 066842 DE 0NR NR 0.00NRNRAssurity Life Ins Co L 0 0 0 8771439 NE 0NR NR -2.310.000.00Balboa Life Ins Co L 0 40,154 99,519 245,16768160 CA 0NR NR 28.74NRNRBalboa Life Ins Co Of NY L 0 0 0 -26,70110097 NY 0NR 0.00 0.000.000.00Baltimore Life Ins Co L 135 1,042 2,010 3,26461212 MD 0NR NR 0.00-0.14NRBankers Life Ins Co L 0 0 502 3,10881043 FL 0NR NR NRNRNRCentury Credit Life Ins Co L 0 0 0 090867 MS 0






TypeCOCODE 2015 20152014 20142013 20132012 20122011 2011

NR NR 0.000.000.00Cherokee Natl Life Ins Co L 0 4,096,935 5,293,897 6,823,06061824 GA 0NR NR 0.00NRNRCitizens Security Life Ins Co L 0 0 0 4961921 KY 0NR 5.88 0.920.770.53Commonwealth Dealers Life Ins Co L 51 1,509 10,822 40,19588374 VA 0NR NR 0.00NRNRCorvesta Life Ins Co L 0 0 0 578301 AZ 0NR NR NRNRNRFarm Bureau Life Ins Co L 0 0 0 063088 IA 0NR NR 0.000.00NRFirst Assur Life Of Amer L 0 0 9,763,408 8,700,00994579 LA 0NR NR NRNRNRGenworth Life & Ann Ins Co L 0 0 0 065536 VA 0NR NR NRNRNRGreat Southern Life Ins Co L 0 0 0 090212 TX 0NR NR NRNRNRHeritage Life Ins Co L 0 0 0 064394 AZ 0NR 0.00 0.000.000.00John Hancock Life Ins Co USA L 237 721 2,664 2,85165838 MI 0NR NR 47.0564.71-72.16Lincoln Natl Life Ins Co L 0 -467 34 49165676 IN 0NR NR NRNRNRMadison Natl Life Ins Co Inc L 0 0 0 065781 WI 0NR NR 0.00NRNRMagna Ins Co L 0 0 0 2,782,02461018 MS 0NR NR NRNRNRMcdonald Life Ins Co L 0 0 0 068020 TX 0NR NR 0.000.000.00Mega Life & Hlth Ins Co The L 0 14,313 25,916 46,12797055 OK 0NR NR 0.010.000.00Metropolitan Life Ins Co L 0 8,553 162,732 326,44765978 NY 0NR 16.06 8.6120.258.06Pavonia Life Ins Co Of DE L 114,199 149,539 190,948 223,61389007 DE 0NR NR -100.00NRNRPemco Life Ins Co L 0 0 0 19171803 WA 0NR NR 0.000.000.00Port O Call Life Ins Co L 0 63,861 71,434 61,53276503 AR 0NR -27.91 -27.90-27.89-27.90Provident Life & Accident Ins Co L 5,922 9,115 9,572 9,82168195 TN 0NR NR NR0.00NRSagicor Life Ins Co L 0 0 188 060445 TX 0NR NR NRNRNRSecurity Mut Life Ins Co Of NY L 0 0 0 068772 NY 0NR NR -6.56-0.01-9.29Shelterpoint Ins Co L 0 1,711 197,149 1,251,96789958 FL 0NR -27.30 -16.58-16.69-25.98Stonebridge Life Ins Co L 859,317 988,166 2,166,961 2,563,72065021 VT 0NR NR NR0.000.00TRIPLE S BLUE L 0 116,491 151,932 061158 PR 0NR 0.00 4.278.8218.71United Life Ins Co L 191 4,923 20,311 43,51369973 IA 0NR NR 0.000.00NRUnity Financial Life Ins Co L 0 0 720 1,84463819 OH 0NR -1.03 -1.411.17-1.03Universal Underwriters Life Ins Co L -2,428 -5,165 14,979 391,13970173 KS 0NR NR 6.827.65NRUSAA Direct Life Ins Co L 0 0 366 57272613 NE 0NR 0.00 0.000.000.00Wateree Life Ins L 1,685,544 1,156,822 1,267,769 1,385,76092053 SC 0

0.00 0.00 0.000.000.00Gulf States Life Ins Co L 23,461 82,951 689,413 696,53975612 LA -2441,003.23 603.49 -17.23-18.95-23.73Landcar Life Ins Co L -224,268 2,217,582 5,412,306 2,064,10992274 UT -78,143

140 Companies - COUNTRYWIDE 761,707,896 753,089,161 827,188,169 837,440,425 -6.23 -4.57 1.80-3.41-1.96769,942,456


CREDIT LIFE

EARNED PREMIUMS




CREDIT LIFEBY STATE

Business Written in the State of

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

2015 20152014 20142013 20132012 20122011 2011

Alabama 30 29 32 17,039,559 16,991,795 17,369,706 18,576,73917,378,2762825Alaska 14 15 19 709,626 498,377 1,086,224 1,611,228605,7541310American Samoa 1 1 1 36,274 65,283 75,545 20,34317,31011Arizona 29 31 33 4,738,846 4,863,500 5,836,439 6,417,4144,729,8002622Arkansas 31 34 37 7,540,157 8,894,516 9,681,089 11,090,7398,166,3752725California 21 24 25 11,369,639 12,601,370 14,442,602 16,471,88010,279,7901815Colorado 25 28 30 4,541,071 4,852,387 5,775,657 6,220,8344,415,0252623Connecticut 18 21 23 4,104,644 3,748,937 3,623,095 3,878,9844,316,3011918Delaware 23 23 24 1,502,472 1,704,846 2,081,735 2,367,6741,313,3671916District Of Columbia 9 10 11 694,325 749,796 801,896 774,361657,76398Florida 30 32 38 35,199,850 35,919,223 39,425,166 42,948,26134,324,9852725Georgia 33 34 37 26,885,237 26,503,164 27,108,224 28,992,67226,189,5333128Guam 7 8 8 3,120,803 2,701,691 2,442,785 2,383,4523,464,73277Hawaii 16 18 19 3,252,703 3,014,655 3,015,613 2,874,0773,392,8821411Idaho 23 23 27 4,617,435 4,553,970 4,867,069 4,932,7864,820,4902422Illinois 38 38 40 22,413,737 22,802,283 23,840,516 24,906,81521,799,8293229Indiana 34 32 37 12,684,457 12,512,859 13,391,150 14,104,59112,756,3963027Iowa 24 27 27 10,392,776 11,158,155 12,282,791 13,283,7169,788,8552422Kansas 30 30 31 10,426,879 10,270,497 10,757,661 11,144,08710,540,0232927Kentucky 27 31 32 18,438,782 18,607,493 19,455,040 20,234,30918,308,4762420Louisiana 31 35 35 34,239,959 33,340,204 42,973,291 43,072,41534,850,1143229Maine 15 15 19 3,211,805 3,498,108 3,595,161 3,821,9843,170,6341515Maryland 27 27 29 7,747,894 8,173,825 9,294,303 10,075,1807,221,0472322Massachusetts 22 23 26 2,878,157 3,460,147 4,494,308 4,655,0502,564,7582016Michigan 30 33 33 28,989,361 28,973,069 29,771,233 28,321,03729,875,1062925Minnesota 23 23 26 7,429,001 8,189,019 9,428,722 10,587,4226,808,3612117Mississippi 29 32 34 21,963,022 21,416,816 20,846,850 21,779,68623,126,3783027Missouri 37 38 40 18,856,408 19,040,422 20,324,404 21,207,77918,688,4603332Montana 19 22 25 2,311,618 2,742,626 3,192,533 3,550,6501,944,5071917Nebraska 21 23 27 4,823,098 5,359,197 5,918,038 7,538,3144,427,8662120Nevada 23 25 27 1,224,668 1,611,697 2,210,473 2,984,8551,066,3742218New Hampshire 18 20 20 5,067,455 4,587,345 5,381,335 4,291,7174,834,5901714New Jersey 20 20 22 5,136,720 5,828,836 6,771,357 7,812,1714,715,9521816New Mexico 29 31 31 7,467,583 7,181,674 8,422,018 7,975,5477,309,8482725New York 15 15 18 25,725,826 26,219,532 21,384,714 31,258,97626,765,6231211North Carolina 28 30 33 27,502,695 27,824,281 30,062,676 31,795,87126,614,2022625North Dakota 19 23 24 4,711,676 4,716,347 4,760,474 4,598,9394,604,7111916Northern Mariana Islands 3 3 3 259,200 187,320 128,130 163,565259,71933Ohio 31 34 34 22,422,239 22,946,281 24,621,478 25,486,30421,836,1422927



CREDIT LIFEBY STATE


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

2015 20152014 20142013 20132012 20122011 2011

Oklahoma 30 33 36 14,690,176 14,579,611 15,892,186 18,024,52612,263,3993027Oregon 26 26 28 5,140,540 5,819,172 6,967,382 6,997,2914,590,5392422Pennsylvania 32 29 33 30,976,716 34,216,475 38,987,853 42,877,82527,786,9462625Puerto Rico 9 9 7 35,607,990 36,103,935 39,097,306 59,285,55336,818,90687Rhode Island 17 18 21 554,401 695,694 822,997 932,255469,9701712South Carolina 28 30 34 23,989,542 22,423,076 22,704,214 23,306,72522,188,7112623South Dakota 19 21 23 3,459,237 3,724,905 4,001,267 4,282,0993,279,3771917Tennessee 34 35 39 29,071,536 29,152,904 31,475,717 32,054,00628,942,9193431Texas 40 39 43 101,624,386 101,285,470 108,833,186 97,407,704108,891,0934134US Virgin Islands 6 6 6 1,976,690 1,841,010 1,988,231 2,786,3721,770,16366Utah 23 22 26 6,994,794 6,992,394 8,201,309 7,514,1087,733,6672220Vermont 13 13 17 1,405,311 1,472,757 1,768,740 1,430,1811,225,8161312Virginia 29 30 32 16,607,774 16,755,256 18,569,344 19,727,40816,550,3562423Washington 26 26 28 4,472,569 5,118,531 6,761,615 7,393,7303,958,1622321West Virginia 24 23 28 6,115,091 6,530,075 7,083,962 7,462,6485,742,7752322Wisconsin 30 31 33 11,026,506 11,581,979 12,901,712 14,516,00110,487,3362724Wyoming 19 21 23 1,521,425 1,748,534 2,021,787 2,327,7591,361,6941614Total 726,912,343 738,353,317 799,020,309 852,538,612722,012,1841,096 1,223 1,308 1,373 1,494



CREDIT LIFEBY STATE


_________________Earned Premiums $ at Prima Facie Rates_______________

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

2015 2014 2013 2012 2011 2015 2014 2013 2012 2011

-9.93 -9.37 -15.25 -13.55 -12.66Alabama 18,801,772 20,050,003 20,092,181 21,269,70919,293,804-1.48 -2.87 -6.85 -12.52 -5.52Alaska 730,568 535,018 1,241,696 1,705,351614,8430.00 0.00 0.00 0.00 0.00American Samoa 36,274 65,283 75,545 20,34317,3105.36 5.70 1.42 4.71 -0.07Arizona 4,483,098 4,795,173 5,574,091 6,422,2104,489,215

-4.19 -4.71 -4.25 -3.76 -2.46Arkansas 7,913,113 9,288,980 10,059,189 11,369,9268,523,714-19.82 -19.44 -19.89 -19.52 -20.75California 14,112,450 15,729,467 17,945,785 20,785,13812,820,691-5.59 -3.38 -7.16 -3.55 -4.60Colorado 4,699,988 5,226,840 5,988,446 6,520,8324,676,486-4.22 -3.81 -3.23 -2.44 -0.07Connecticut 4,267,347 3,873,983 3,713,807 3,881,8634,506,654-7.50 -9.12 -2.39 -8.48 -4.99Delaware 1,653,230 1,746,617 2,274,531 2,491,9691,419,884-7.42 -7.42 -8.66 -9.20 -5.72District Of Columbia 749,974 820,919 883,165 821,384710,497-9.00 -8.54 -6.68 -2.76 -1.01Florida 38,488,260 38,491,359 40,543,737 43,386,00437,720,099-1.55 -1.78 -2.21 -2.10 -2.82Georgia 27,372,918 27,100,821 27,689,372 29,832,77126,600,563-0.11 -0.08 -0.21 -0.20 -0.15Guam 3,123,336 2,707,288 2,447,659 2,386,9243,468,5980.22 -1.21 -1.95 -1.55 7.65Hawaii 3,292,422 3,074,563 3,063,072 2,669,9253,385,297

-6.88 -3.49 145.94 -3.81 -3.72Idaho 4,784,559 -9,912,590 5,059,845 5,123,1315,176,864-1.68 -2.14 -2.19 -1.83 1.33Illinois 22,905,007 23,312,008 24,284,878 24,578,74422,171,883-5.09 -8.74 -11.59 -3.87 -4.82Indiana 13,898,982 14,154,008 13,930,112 14,818,26413,441,022-0.38 -0.17 -0.23 0.81 1.02Iowa 10,410,224 11,184,421 12,183,897 13,149,7009,825,908

-25.65 -23.88 -10.56 -6.38 -5.95Kansas 13,697,337 11,483,402 11,490,290 11,848,62914,175,952-11.45 -4.36 -4.44 -4.22 -1.26Kentucky 19,280,002 19,471,142 20,311,184 20,492,19520,676,369-24.13 -16.59 -11.68 -9.05 -9.47Louisiana 41,052,643 37,747,722 47,251,658 47,575,90345,932,075-6.99 -6.13 -5.85 -5.74 -1.46Maine 3,421,557 3,715,374 3,814,058 3,878,7583,408,773

-35.11 -29.41 -20.75 -18.16 -17.76Maryland 10,975,960 10,313,917 11,356,533 12,250,68711,127,517-6.86 -6.96 -7.76 -6.59 -7.43Massachusetts 3,093,445 3,751,221 4,811,522 5,028,5472,753,767-8.09 -5.72 0.91 -0.15 0.55Michigan 30,746,975 28,711,572 29,815,150 28,167,47532,504,8791.42 0.28 -2.41 0.31 1.14Minnesota 7,408,192 8,391,443 9,399,451 10,468,2436,712,823

-13.13 -13.16 -10.64 -10.15 -10.45Mississippi 25,292,808 23,965,844 23,201,141 24,321,45426,620,7457.08 6.34 5.27 4.48 4.32Missouri 17,731,421 18,087,014 19,452,148 20,328,89017,452,248

-1.71 -0.85 -1.42 -1.32 -1.98Montana 2,331,375 2,782,222 3,235,154 3,622,5161,978,290-0.60 -0.31 -0.60 -0.35 0.78Nebraska 4,837,855 5,391,502 5,939,107 7,480,1964,454,6540.39 1.78 3.04 0.88 1.87Nevada 1,203,201 1,564,192 2,191,256 2,930,0271,062,240

-33.83 -35.27 -33.62 -32.98 -33.26New Hampshire 7,828,498 6,910,610 8,028,927 6,430,6487,306,739-4.06 -3.40 -5.08 -5.63 -6.95New Jersey 5,317,399 6,140,752 7,175,451 8,396,0524,915,4140.29 4.35 4.64 7.39 7.64New Mexico 7,156,139 6,863,292 7,842,575 7,409,4437,288,890

-17.93 -17.79 -15.96 -14.98 -9.88New York 31,290,989 31,200,102 25,152,332 34,685,09832,611,447-6.03 -4.90 -4.29 -3.05 -1.55North Carolina 28,920,715 29,071,395 31,009,961 32,297,96328,321,905-1.80 -1.75 -1.58 -1.62 -1.78North Dakota 4,795,441 4,791,981 4,838,736 4,682,0654,689,202-0.72 -0.76 0.00 -0.68 -0.07Northern Mariana Islands 261,181 187,320 129,012 163,685261,594

-11.54 -6.31 -5.88 -4.67 -4.57Ohio 23,931,202 24,379,656 25,828,435 26,708,07224,683,735



CREDIT LIFEBY STATE


_________________Earned Premiums $ at Prima Facie Rates_______________

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

2015 2014 2013 2012 2011 2015 2014 2013 2012 2011

-0.55 -0.81 -2.27 -2.31 0.08Oklahoma 14,809,429 14,918,384 16,268,196 18,009,35412,331,521-0.44 -0.08 -0.55 -0.86 1.43Oregon 5,144,526 5,851,237 7,027,719 6,898,3594,610,7310.20 0.31 -0.76 -1.43 -3.02Pennsylvania 30,882,462 34,477,900 39,554,119 44,214,78127,732,285

-20.30 -16.44 -14.02 -13.19 110.82Puerto Rico 42,614,913 41,989,764 45,037,736 28,121,79146,197,038-6.02 -4.74 -9.33 -8.20 -6.82Rhode Island 581,977 767,251 896,555 1,000,475500,059-1.62 -3.56 -3.43 -3.02 -2.97South Carolina 24,875,656 23,218,985 23,411,408 24,019,57022,554,492-5.68 -5.27 -4.69 -4.02 -2.06South Dakota 3,651,574 3,908,318 4,168,697 4,372,3213,476,680-4.40 0.01 -1.05 -1.47 -2.63Tennessee 29,069,592 29,461,978 31,943,768 32,920,19230,275,07415.92 16.10 16.18 12.99 14.69Texas 87,529,029 87,176,844 96,317,185 84,931,04093,937,3301.64 0.06 0.70 7.27 38.48US Virgin Islands 1,975,602 1,828,293 1,853,503 2,012,0641,741,616

-17.67 -3.06 -13.60 -16.60 -11.94Utah 7,215,584 8,092,921 9,833,408 8,532,7299,393,932-6.78 -6.91 -6.53 -5.22 -2.12Vermont 1,509,624 1,575,686 1,866,087 1,461,2301,315,0293.01 1.04 -2.89 -8.91 3.76Virginia 16,436,364 17,254,159 20,385,634 19,012,98516,067,0431.97 1.44 -2.21 -1.81 3.87Washington 4,409,030 5,234,306 6,886,406 7,118,5323,881,629

-1.04 0.30 -1.26 -1.60 -0.27West Virginia 6,096,677 6,613,468 7,199,156 7,483,0065,803,417-4.17 -0.38 -1.63 -1.94 -0.23Wisconsin 11,069,117 11,774,232 13,156,533 14,548,78410,943,648-1.21 -1.13 -1.75 -1.71 -2.30Wyoming 1,538,883 1,779,600 2,056,971 2,382,4741,378,345

1.80-3.41-1.96-4.57-6.23837,440,425827,188,169753,089,161761,707,896Total 769,942,456


CREDIT LIFE

NET WRITTEN PREMIUMS



2015 CREDIT EXPERIENCE REPORTNet Written Premiums


Net Written Premiums $

COCODE COMPANY NAME DOM

BusinessType 2015 2014 2013 2012 2011

62626 CMFG Life Ins Co IA L 187,059,277 177,423,671 176,638,870 177,563,953195,648,37561751 Central States H & L Co Of Omaha NE L 74,060,168 71,751,563 67,315,460 56,915,64369,367,01660518 American Hlth & Life Ins Co TX L 58,196,083 57,588,595 51,636,148 54,442,11854,817,72765951 Merit Life Ins Co IN L 50,070,702 37,783,427 25,265,695 23,468,25453,699,04566168 Minnesota Life Ins Co MN L 46,972,316 43,207,727 45,445,247 48,507,05051,328,10897691 Life Of The South Ins Co GA L 37,220,992 27,994,073 23,678,954 20,581,43348,293,03660739 American Natl Ins Co TX L 26,287,532 27,419,346 27,972,567 26,902,86826,600,02597152 Plateau Ins Co TN L 19,048,131 15,214,179 11,921,214 9,688,55523,952,84986231 Transamerica Life Ins Co IA L 25,342,378 25,169,130 23,905,656 16,037,62822,618,53760275 American Bankers Life Assur Co Of FL FL L 33,744,633 50,535,106 54,819,367 58,518,49920,001,82193777 Pavonia Life Ins Co of MI MI L 23,183,784 28,244,171 38,084,231 44,441,09816,526,16273156 Caribbean Amer Life Assur Co PR L 16,068,913 15,340,317 15,828,796 14,316,24915,614,31968136 Protective Life Ins Co TN L 15,707,335 18,104,798 19,327,246 19,193,12013,457,96261298 Bankers Life Of LA LA L 11,503,231 10,505,309 10,370,852 8,916,29812,598,89866281 Transamerica Premier Life Ins Co IA L 7,962,700 9,042,813 8,262,097 8,548,13410,535,60079715 Cooperativa De Seguros De Vida PR L 10,800,494 10,138,514 11,074,161 11,866,51410,466,59167628 Pekin Life Ins Co IL L 9,789,362 9,729,272 7,450,880 5,746,00410,399,06098736 American Federated Life Ins Co MS L 7,052,830 6,629,253 7,139,230 6,810,4297,973,06377054 MAPFRE Life Ins Co of PR PR L 3,821,973 2,763,907 4,106,125 4,994,4827,572,14965811 American Modern Life Ins Co OH L 9,094,203 9,345,909 12,906,720 17,032,4437,496,86870688 Transamerica Financial Life Ins Co NY L 4,090,050 4,563,298 4,649,427 4,626,2184,366,61476007 Old United Life Ins Co AZ L 5,686,375 5,617,902 4,862,749 3,955,5474,113,00160242 Southern Financial Life Ins Co KY L 3,252,234 3,629,543 3,574,585 3,565,0823,689,66464904 Investors Heritage Life Ins Co KY L 3,421,258 3,487,675 3,943,548 4,154,5033,546,80370548 Wichita Natl Life Ins Co OK L 3,601,379 4,213,544 4,559,440 4,157,2043,239,34760041 UNIVERSAL LIFE INS CO PR L 5,795,046 8,315,783 6,526,543 02,652,13877976 Gulf Guar Life Ins Co MS L 2,501,241 2,800,013 2,649,864 3,065,6142,507,54360836 American Republic Ins Co IA L 2,700,215 3,447,599 4,597,829 5,473,1442,255,19380020 Mountain Life Ins Co TN L 2,084,721 2,345,485 2,629,032 2,859,1482,254,24781779 Individual Assur Co Life Hlth & Acc OK L 4,865,088 7,056,435 7,863,096 7,730,2532,221,34993742 Securian Life Ins Co MN L 3,035,404 2,471,572 1,551,740 1,111,7522,019,02874365 Southern Pioneer Life Ins Co AR L 1,926,307 1,086,900 2,543,044 4,743,6671,932,43779340 Pavonia Life Ins Co NY NY L 1,478,107 1,720,111 -4,227,804 3,904,9211,704,08272087 Multinational Life Ins Co PR L 1,915,894 2,160,204 2,434,894 01,678,57077690 Trans City Life Ins Co AZ L 1,842,121 1,829,453 1,429,998 1,756,7571,653,84685677 Life Assur Co Inc OK L 1,686,864 1,768,082 2,256,336 1,904,8951,535,39099538 SWBC Life Ins Co TX L 982,543 663,780 509,269 352,2031,334,17564211 Guarantee Trust Life Ins Co IL L 1,775,506 3,148,593 6,890,183 7,845,5401,285,128






BusinessType 2015 2014 2013 2012 2011

60244 Kentucky Home Life Ins Co KY L 974,610 960,421 1,079,025 1,470,0751,191,06165480 Old Spartan Life Ins Co Inc SC L 1,200,353 1,542,032 1,460,843 1,391,3811,118,47586118 Arkansas Bankers Life Ins Co AR L 915,315 0 1,083,855 971,725942,09571323 Zale Life Ins Co AZ L 1,019,963 1,018,984 961,318 762,328933,26893650 Versant Life Ins Co MS L 631,643 460,443 483,731 461,035772,92574233 First Natl Life Ins Co Of USA NE L 675,298 734,857 829,740 1,035,999711,95281477 Union Security Life Ins Co of NY NY L 599,959 774,161 920,471 945,296554,18383992 Foundation Life Ins Co Of AR AR L 0 483,990 457,747 538,990500,61271463 CICA Life Ins Co of Amer CO L 431,514 381,009 389,392 386,321443,01370106 United States Life Ins Co in the Cit NY L 530,504 632,343 677,513 816,977402,72374470 Great Central Life Ins Co LA L 392,482 450,888 470,364 493,921342,85575094 Life Ins Co Of LA LA L 285,339 365,251 373,264 223,167291,48162650 Delta Life Ins Co GA L 258,229 248,937 261,190 309,258245,86262383 Centurion Life Ins Co IA L 317,041 799,529 1,732,221 2,990,161195,95360534 American Heritage Life Ins Co FL L 47,239 -197,208 1,752,138 8,838,247191,12988536 Protective Life & Annuity Ins Co AL L 262,946 291,130 403,858 474,364186,94993521 General Fidelity Life Ins Co SC L 201,586 305,673 430,628 535,404141,60973989 Mililani Life Ins Co Ltd HI L 101,592 0 4,820 099,76361409 National Benefit Life Ins Co NY L 194,984 65,474 685,676 1,389,70275,06860246 Netcare Life & Hlth Ins Co GU L 32,896 31,592 30,280 37,55061,72160895 American United Life Ins Co IN L 86,745 148,056 199,402 266,13252,73371870 Fidelity Security Life Ins Co MO L 35,301 43,139 49,924 73,05023,07762235 Unum Life Ins Co Of Amer ME L 0 0 0 09,14462553 Country Life Ins Co IL L 9,497 10,467 11,168 11,0498,74870435 The Savings Bank Life Ins Co Of MA MA L 11,905 15,963 19,414 35,9298,64171480 Great Western Ins Co UT L 6,971 9,956 12,364 19,7638,09898868 Sheridan Life Ins Co OK L 3,839 34,462 45,290 79,3634,56861492 Athene Annuity & Life Assur Co DE L 2,649 3,566 4,573 5,3322,12592649 American Underwriters Life Ins Co AZ L 29,278 0 0 33,7301,67869477 Time Ins Co WI L 1,199 1,946 3,021 2,5341,26062928 EMC Natl Life Co IA L 989 1,711 1,977 2,1081,15661476 Boston Mut Life Ins Co MA L 260 332 384 44321869663 USAA Life Ins Co TX L 128 -13,937 0 07068632 Vantis Life Ins Co CT L -277 137 2,589 4,6616261506 Resource Life Ins Co IL L -29,182 385 -94,151 -261,8411699724 LifeShield Natl Ins Co OK L 22 0 338 43860054 Aetna Life Ins Co CT L 0 0 0 0060186 Allstate Life Ins Co IL L 0 0 0 00






BusinessType 2015 2014 2013 2012 2011

68373 American Gen Assur Co IL L 0 0 0 6,971,249066842 American Gen Life Ins Co of DE DE L 0 0 0 0071439 Assurity Life Ins Co NE L 0 0 0 0068160 Balboa Life Ins Co CA L 0 -60 0 21,252010097 Balboa Life Ins Co Of NY NY L 0 0 0 -19,028061212 Baltimore Life Ins Co MD L 0 0 -219 0081043 Bankers Life Ins Co FL L 0 0 0 -10090867 Century Credit Life Ins Co MS L 0 0 0 0061824 Cherokee Natl Life Ins Co GA L 0 2,557,502 3,541,483 4,399,038061921 Citizens Security Life Ins Co KY L 0 0 0 0088374 Commonwealth Dealers Life Ins Co VA L -24 -236 -166 -1,100078301 Corvesta Life Ins Co AZ L 0 0 0 0085090 Dearborn Natl Life Ins Co of NY NY L 0 -208 -2,453 -19063088 Farm Bureau Life Ins Co IA L 0 0 0 0094579 First Assur Life Of Amer LA L 0 0 9,763,408 8,700,009065536 Genworth Life & Ann Ins Co VA L 0 0 0 0090212 Great Southern Life Ins Co TX L 0 0 0 0064394 Heritage Life Ins Co AZ L 0 0 0 0065838 John Hancock Life Ins Co USA MI L 237 721 2,664 2,851065676 Lincoln Natl Life Ins Co IN L 0 -804 0 0065781 Madison Natl Life Ins Co Inc WI L 0 0 0 0061018 Magna Ins Co MS L 0 0 0 583,759068020 Mcdonald Life Ins Co TX L 0 0 0 0097055 Mega Life & Hlth Ins Co The OK L 0 -119 -1,436 -2,486065978 Metropolitan Life Ins Co NY L 0 8,553 162,732 326,447068349 North Amer Ins Co WI L -4,477 -10,883 -1,037 -2,300076112 Oxford Life Ins Co AZ L -55 -2,982 0 -108093815 Pacific Century Life Ins Corp AZ L 62,855 177,086 134,179 109,055071099 Parker Centennial Assur Co WI L 0 0 0 -62,057089007 Pavonia Life Ins Co Of DE DE L 132,536 161,156 227,204 236,666071803 Pemco Life Ins Co WA L 0 0 0 0076503 Port O Call Life Ins Co AR L 0 63,861 71,434 61,532068195 Provident Life & Accident Ins Co TN L 4,269 6,572 6,902 7,081068241 Prudential Ins Co Of Amer NJ L 0 0 0 -371060445 Sagicor Life Ins Co TX L 0 0 0 0068772 Security Mut Life Ins Co Of NY NY L 0 0 0 0089958 Shelterpoint Ins Co FL L 0 -10,072 -66,465 -89,205069094 State Farm Life & Accident Asr Co IL L 0 -12 -110 -4470






BusinessType 2015 2014 2013 2012 2011

65021 Stonebridge Life Ins Co VT L 624,702 731,410 1,805,275 2,138,644069523 Trans Oceanic Life Ins Co PR L -221 -7,308 2,025 41,766061158 TRIPLE S BLUE PR L 0 81,659 114,546 0062596 Union Fidelity Life Ins Co KS L -36 -807 -18,726 -29,927087645 United Fidelity Life Ins Co TX L -157 -1,158 769 1,038069973 United Life Ins Co IA L 0 0 -141 -1,098063819 Unity Financial Life Ins Co OH L 0 0 0 -802070173 Universal Underwriters Life Ins Co KS L -2,459 -7,515 -69,867 -230,367072613 USAA Direct Life Ins Co NE L 0 0 280 405092053 Wateree Life Ins SC L 1,241,834 1,240,401 1,147,177 1,278,915088080 XL Life Ins & Ann Co IL L 0 -2,416 -188 -95089087 Enterprise Life Ins Co TX L -4,009 -49,887 -139,105 -289,862-2169108 State Farm Life Ins Co IL L -278 -756 -3,574 -18,097-4267261 Old Republic Life Ins Co IL L -103 -2,400 -148 -7,721-4466087 Mid West Natl Life Ins Co Of TN TX L -319 -123 -885 -2,475-11594447 Century Life Ass Co OK L 9,127 45,201 29,953 32,890-14775612 Gulf States Life Ins Co LA L -3,127 -26,853 686,662 691,086-24499465 Servco Life Ins Co TX L -19,800 -32,624 -113,667 -338,717-75279049 Alfa Life Ins Corp AL L -750 -2,812 -371 -4,603-1,01677151 Service Life & Cas Ins Co TX L -103,988 -126,516 -443,737 -1,293,485-3,13965757 Shelter Life Ins Co MO L -9,676 -8,623 51,643 121,810-3,78591448 Southwest Credit Life Inc NM L -17,618 74,177 85,014 78,972-4,48165560 Life Protection Ins Co TX L 29,468 125,653 109,199 84,942-5,45660488 American Gen Life Ins Co TX L 4,229,305 4,454,999 5,459,370 0-49,58692274 Landcar Life Ins Co UT L -186,423 693,612 2,291,527 1,602,640-64,21571455 Financial Amer Life Ins Co KS L -2,082,764 6,194,112 14,085,037 13,696,401-853,006

COMPANIES - COUNTRYWIDE 738,758,257 740,184,243 756,053,845 758,835,484731,494,015140




Net Written Premiums % Change

% of Total Net Written Premiums (Market Share)

COCODE COMPANY NAME DOMBusiness

Type 2015 20152014 20142013 20132012 20122011 2011

4.59 5.43 0.44 -0.52 -3.99 26.75 25.32 23.97 23.36 23.4062626 CMFG Life Ins Co IA L-6.34 3.22 6.59 18.27 -2.11 9.48 10.02 9.69 8.90 7.5061751 Central States H & L Co Of Omaha NE L-5.81 1.05 11.53 -5.15 15.28 7.49 7.88 7.78 6.83 7.1760518 American Hlth & Life Ins Co TX L7.25 32.52 49.54 7.66 25.51 7.34 6.78 5.10 3.34 3.0965951 Merit Life Ins Co IN L9.27 8.71 -4.92 -6.31 -8.39 7.02 6.36 5.84 6.01 6.3966168 Minnesota Life Ins Co MN L

29.75 32.96 18.22 15.05 29.32 6.60 5.04 3.78 3.13 2.7197691 Life Of The South Ins Co GA L1.19 -4.13 -1.98 3.98 -13.62 3.64 3.56 3.70 3.70 3.5560739 American Natl Ins Co TX L

25.75 25.20 27.62 23.04 -1.69 3.27 2.58 2.06 1.58 1.2897152 Plateau Ins Co TN L-10.75 0.69 5.29 49.06 -14.85 3.09 3.43 3.40 3.16 2.1186231 Transamerica Life Ins Co IA L-40.73 -33.23 -7.82 -6.32 -10.99 2.73 4.57 6.83 7.25 7.7160275 American Bankers Life Assur Co Of FL FL L-28.72 -17.92 -25.84 -14.30 1.62 2.26 3.14 3.82 5.04 5.8693777 Pavonia Life Ins Co of MI MI L

-2.83 4.75 -3.09 10.57 29.13 2.13 2.18 2.07 2.09 1.8973156 Caribbean Amer Life Assur Co PR L-14.32 -13.24 -6.32 0.70 -2.71 1.84 2.13 2.45 2.56 2.5368136 Protective Life Ins Co TN L

9.52 9.50 1.30 16.31 10.30 1.72 1.56 1.42 1.37 1.1761298 Bankers Life Of LA LA L32.31 -11.94 9.45 -3.35 12.60 1.44 1.08 1.22 1.09 1.1366281 Transamerica Premier Life Ins Co IA L-3.09 6.53 -8.45 -6.68 -4.43 1.43 1.46 1.37 1.46 1.5679715 Cooperativa De Seguros De Vida PR L6.23 0.62 30.58 29.67 11.34 1.42 1.33 1.31 0.99 0.7667628 Pekin Life Ins Co IL L

13.05 6.39 -7.14 4.83 9.62 1.09 0.95 0.90 0.94 0.9098736 American Federated Life Ins Co MS L98.12 38.28 -32.69 -17.79 23.95 1.04 0.52 0.37 0.54 0.6677054 MAPFRE Life Ins Co of PR PR L

-17.56 -2.69 -27.59 -24.22 -11.05 1.02 1.23 1.26 1.71 2.2465811 American Modern Life Ins Co OH L6.76 -10.37 -1.85 0.50 3.80 0.60 0.55 0.62 0.61 0.6170688 Transamerica Financial Life Ins Co NY L

-27.67 1.22 15.53 22.93 -14.57 0.56 0.77 0.76 0.64 0.5276007 Old United Life Ins Co AZ L13.45 -10.40 1.54 0.27 -1.00 0.50 0.44 0.49 0.47 0.4760242 Southern Financial Life Ins Co KY L

3.67 -1.90 -11.56 -5.08 25.68 0.48 0.46 0.47 0.52 0.5564904 Investors Heritage Life Ins Co KY L-10.05 -14.53 -7.59 9.68 12.43 0.44 0.49 0.57 0.60 0.5570548 Wichita Natl Life Ins Co OK L-54.23 -30.31 27.41 NR NR 0.36 0.78 1.12 0.86 0.0060041 UNIVERSAL LIFE INS CO PR L

0.25 -10.67 5.67 -13.56 -14.21 0.34 0.34 0.38 0.35 0.4077976 Gulf Guar Life Ins Co MS L-16.48 -21.68 -25.02 -15.99 -20.32 0.31 0.37 0.47 0.61 0.7260836 American Republic Ins Co IA L

8.13 -11.12 -10.79 -8.05 -4.28 0.31 0.28 0.32 0.35 0.3880020 Mountain Life Ins Co TN L-54.34 -31.05 -10.26 1.72 7.09 0.30 0.66 0.95 1.04 1.0281779 Individual Assur Co Life Hlth & Acc OK L-33.48 22.81 59.28 39.58 47.86 0.28 0.41 0.33 0.21 0.1593742 Securian Life Ins Co MN L

0.32 77.23 -57.26 -46.39 -9.67 0.26 0.26 0.15 0.34 0.6374365 Southern Pioneer Life Ins Co AR L15.29 -14.07 140.69 -208.27 -13.58 0.23 0.20 0.23 -0.56 0.5179340 Pavonia Life Ins Co NY NY L

-12.39 -11.31 -11.28 NR NR 0.23 0.26 0.29 0.32 0.0072087 Multinational Life Ins Co PR L-10.22 0.69 27.93 -18.60 57.71 0.23 0.25 0.25 0.19 0.2377690 Trans City Life Ins Co AZ L

-8.98 -4.59 -21.64 18.45 -12.07 0.21 0.23 0.24 0.30 0.2585677 Life Assur Co Inc OK L







Type 2015 20152014 20142013 20132012 20122011 2011

35.79 48.02 30.34 44.60 4.20 0.18 0.13 0.09 0.07 0.0599538 SWBC Life Ins Co TX L-27.62 -43.61 -54.30 -12.18 -2.17 0.18 0.24 0.43 0.91 1.0364211 Guarantee Trust Life Ins Co IL L22.21 1.48 -10.99 -26.60 -18.75 0.16 0.13 0.13 0.14 0.1960244 Kentucky Home Life Ins Co KY L-6.82 -22.16 5.56 4.99 13.94 0.15 0.16 0.21 0.19 0.1865480 Old Spartan Life Ins Co Inc SC L2.93 NR -100.00 11.54 -19.21 0.13 0.12 0.00 0.14 0.1386118 Arkansas Bankers Life Ins Co AR L

-8.50 0.10 6.00 26.10 -2.87 0.13 0.14 0.14 0.13 0.1071323 Zale Life Ins Co AZ L22.37 37.18 -4.81 4.92 2.69 0.11 0.09 0.06 0.06 0.0693650 Versant Life Ins Co MS L

5.43 -8.10 -11.44 -19.91 16.04 0.10 0.09 0.10 0.11 0.1474233 First Natl Life Ins Co Of USA NE L-7.63 -22.50 -15.90 -2.63 -52.02 0.08 0.08 0.10 0.12 0.1281477 Union Security Life Ins Co of NY NY L

NR -100.00 5.73 -15.07 -44.89 0.07 0.00 0.07 0.06 0.0783992 Foundation Life Ins Co Of AR AR L2.66 13.26 -2.15 0.79 -7.41 0.06 0.06 0.05 0.05 0.0571463 CICA Life Ins Co of Amer CO L

-24.09 -16.11 -6.67 -17.07 -11.43 0.06 0.07 0.09 0.09 0.1170106 United States Life Ins Co in the Cit NY L-12.64 -12.95 -4.14 -4.77 9.27 0.05 0.05 0.06 0.06 0.0774470 Great Central Life Ins Co LA L

2.15 -21.88 -2.15 67.26 19.76 0.04 0.04 0.05 0.05 0.0375094 Life Ins Co Of LA LA L-4.79 3.73 -4.69 -15.54 4.24 0.03 0.03 0.03 0.03 0.0462650 Delta Life Ins Co GA L

-38.19 -60.35 -53.84 -42.07 -41.65 0.03 0.04 0.11 0.23 0.3962383 Centurion Life Ins Co IA L304.60 123.95 -111.26 -80.18 -8.81 0.03 0.01 -0.03 0.23 1.1660534 American Heritage Life Ins Co FL L-28.90 -9.68 -27.91 -14.86 -1.08 0.03 0.04 0.04 0.05 0.0688536 Protective Life & Annuity Ins Co AL L-29.75 -34.05 -29.02 -19.57 -34.30 0.02 0.03 0.04 0.06 0.0793521 General Fidelity Life Ins Co SC L

-1.80 NR -100.00 NR NR 0.01 0.01 0.00 0.00 0.0073989 Mililani Life Ins Co Ltd HI L-61.50 197.80 -90.45 -50.66 -12.55 0.01 0.03 0.01 0.09 0.1861409 National Benefit Life Ins Co NY L87.62 4.13 4.33 -19.36 0.24 0.01 0.00 0.00 0.00 0.0060246 Netcare Life & Hlth Ins Co GU L

-39.21 -41.41 -25.75 -25.07 78.66 0.01 0.01 0.02 0.03 0.0460895 American United Life Ins Co IN L-34.63 -18.17 -13.59 -31.66 -18.52 0.00 0.00 0.01 0.01 0.0171870 Fidelity Security Life Ins Co MO L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0062235 Unum Life Ins Co Of Amer ME L-7.89 -9.27 -6.28 1.08 -2.97 0.00 0.00 0.00 0.00 0.0062553 Country Life Ins Co IL L

-27.42 -25.42 -17.78 -45.97 -29.12 0.00 0.00 0.00 0.00 0.0070435 The Savings Bank Life Ins Co Of MA MA L16.17 -29.98 -19.48 -37.44 -18.57 0.00 0.00 0.00 0.00 0.0071480 Great Western Ins Co UT L18.99 -88.86 -23.91 -42.93 42.28 0.00 0.00 0.00 0.01 0.0198868 Sheridan Life Ins Co OK L

-19.78 -25.73 -22.01 -14.23 -9.26 0.00 0.00 0.00 0.00 0.0061492 Athene Annuity & Life Assur Co DE L-94.27 NR NR -100.00 108.19 0.00 0.00 0.00 0.00 0.0092649 American Underwriters Life Ins Co AZ L

5.09 -38.39 -35.58 19.22 -98.42 0.00 0.00 0.00 0.00 0.0069477 Time Ins Co WI L16.89 -42.20 -13.45 -6.21 273.36 0.00 0.00 0.00 0.00 0.0062928 EMC Natl Life Co IA L

-16.15 -21.69 -13.54 -13.32 -23.62 0.00 0.00 0.00 0.00 0.0061476 Boston Mut Life Ins Co MA L-45.31 100.92 NR NR NR 0.00 0.00 0.00 0.00 0.0069663 USAA Life Ins Co TX L122.38 -302.19 -94.71 -44.45 -2.45 0.00 0.00 0.00 0.00 0.0068632 Vantis Life Ins Co CT L







Type 2015 20152014 20142013 20132012 20122011 2011

100.05 -7,672.90 100.41 64.04 69.79 0.00 0.00 0.00 -0.01 -0.0361506 Resource Life Ins Co IL L-63.64 NR -100.00 686.05 -2.27 0.00 0.00 0.00 0.00 0.0099724 LifeShield Natl Ins Co OK L

NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0060054 Aetna Life Ins Co CT LNR NR NR NR NR 0.00 0.00 0.00 0.00 0.0060186 Allstate Life Ins Co IL LNR NR NR -100.00 -4.83 0.00 0.00 0.00 0.00 0.9268373 American Gen Assur Co IL LNR NR NR NR NR 0.00 0.00 0.00 0.00 0.0066842 American Gen Life Ins Co of DE DE LNR NR NR NR NR 0.00 0.00 0.00 0.00 0.0071439 Assurity Life Ins Co NE LNR 100.00 NR -100.00 -97.43 0.00 0.00 0.00 0.00 0.0068160 Balboa Life Ins Co CA LNR NR NR 100.00 -112.37 0.00 0.00 0.00 0.00 0.0010097 Balboa Life Ins Co Of NY NY LNR NR 100.00 NR 100.00 0.00 0.00 0.00 0.00 0.0061212 Baltimore Life Ins Co MD LNR NR NR 100.00 97.58 0.00 0.00 0.00 0.00 0.0081043 Bankers Life Ins Co FL LNR NR NR NR NR 0.00 0.00 0.00 0.00 0.0090867 Century Credit Life Ins Co MS LNR -100.00 -27.78 -19.49 -14.20 0.00 0.00 0.35 0.47 0.5861824 Cherokee Natl Life Ins Co GA LNR NR NR NR NR 0.00 0.00 0.00 0.00 0.0061921 Citizens Security Life Ins Co KY L

100.00 89.83 -42.17 84.91 85.04 0.00 0.00 0.00 0.00 0.0088374 Commonwealth Dealers Life Ins Co VA LNR NR NR NR NR 0.00 0.00 0.00 0.00 0.0078301 Corvesta Life Ins Co AZ LNR 100.00 91.52 2,810.53 89.14 0.00 0.00 0.00 0.00 0.0085090 Dearborn Natl Life Ins Co of NY NY LNR NR NR NR NR 0.00 0.00 0.00 0.00 0.0063088 Farm Bureau Life Ins Co IA LNR NR -100.00 12.22 15.62 0.00 0.00 0.00 1.29 1.1594579 First Assur Life Of Amer LA LNR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.0065536 Genworth Life & Ann Ins Co VA LNR NR NR NR NR 0.00 0.00 0.00 0.00 0.0090212 Great Southern Life Ins Co TX LNR NR NR NR NR 0.00 0.00 0.00 0.00 0.0064394 Heritage Life Ins Co AZ L

-100.00 -67.13 -72.94 -6.56 -77.79 0.00 0.00 0.00 0.00 0.0065838 John Hancock Life Ins Co USA MI LNR 100.00 NR NR NR 0.00 0.00 0.00 0.00 0.0065676 Lincoln Natl Life Ins Co IN LNR NR NR NR -100.00 0.00 0.00 0.00 0.00 0.0065781 Madison Natl Life Ins Co Inc WI LNR NR NR -100.00 -10.99 0.00 0.00 0.00 0.00 0.0861018 Magna Ins Co MS LNR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.0068020 Mcdonald Life Ins Co TX LNR 100.00 91.71 42.24 86.02 0.00 0.00 0.00 0.00 0.0097055 Mega Life & Hlth Ins Co The OK LNR -100.00 -94.74 -50.15 -17.22 0.00 0.00 0.00 0.02 0.0465978 Metropolitan Life Ins Co NY L

100.00 58.86 -949.43 54.91 -61.86 0.00 0.00 0.00 0.00 0.0068349 North Amer Ins Co WI L100.00 98.15 NR 100.00 83.69 0.00 0.00 0.00 0.00 0.0076112 Oxford Life Ins Co AZ L

-100.00 -64.51 31.98 23.04 352.94 0.00 0.01 0.02 0.02 0.0193815 Pacific Century Life Ins Corp AZ LNR NR NR 100.00 NR 0.00 0.00 0.00 0.00 -0.0171099 Parker Centennial Assur Co WI L

-100.00 -17.76 -29.07 -4.00 -12.41 0.00 0.02 0.02 0.03 0.0389007 Pavonia Life Ins Co Of DE DE LNR NR NR NR -100.00 0.00 0.00 0.00 0.00 0.0071803 Pemco Life Ins Co WA LNR -100.00 -10.60 16.09 53.21 0.00 0.00 0.01 0.01 0.0176503 Port O Call Life Ins Co AR L







Type 2015 20152014 20142013 20132012 20122011 2011

-100.00 -35.04 -4.78 -2.53 637.60 0.00 0.00 0.00 0.00 0.0068195 Provident Life & Accident Ins Co TN LNR NR NR 100.00 87.70 0.00 0.00 0.00 0.00 0.0068241 Prudential Ins Co Of Amer NJ LNR NR NR NR NR 0.00 0.00 0.00 0.00 0.0060445 Sagicor Life Ins Co TX LNR NR NR NR NR 0.00 0.00 0.00 0.00 0.0068772 Security Mut Life Ins Co Of NY NY LNR 100.00 84.85 25.49 80.00 0.00 0.00 0.00 -0.01 -0.0189958 Shelterpoint Ins Co FL LNR 100.00 89.09 75.39 79.99 0.00 0.00 0.00 0.00 0.0069094 State Farm Life & Accident Asr Co IL L

-100.00 -14.59 -59.48 -15.59 -10.67 0.00 0.08 0.10 0.24 0.2865021 Stonebridge Life Ins Co VT L100.00 96.98 -460.89 -95.15 -67.55 0.00 0.00 0.00 0.00 0.0169523 Trans Oceanic Life Ins Co PR L

NR -100.00 -28.71 NR NR 0.00 0.00 0.01 0.02 0.0061158 TRIPLE S BLUE PR L100.00 95.53 95.69 37.43 -61.11 0.00 0.00 0.00 0.00 0.0062596 Union Fidelity Life Ins Co KS L100.00 86.44 -250.59 -25.92 -78.05 0.00 0.00 0.00 0.00 0.0087645 United Fidelity Life Ins Co TX L

NR NR 100.00 87.16 70.76 0.00 0.00 0.00 0.00 0.0069973 United Life Ins Co IA LNR NR NR 100.00 82.35 0.00 0.00 0.00 0.00 0.0063819 Unity Financial Life Ins Co OH L

100.00 67.28 89.24 69.67 50.77 0.00 0.00 0.00 -0.01 -0.0370173 Universal Underwriters Life Ins Co KS LNR NR -100.00 -30.86 -27.81 0.00 0.00 0.00 0.00 0.0072613 USAA Direct Life Ins Co NE L

-100.00 0.12 8.13 -10.30 -5.94 0.00 0.17 0.17 0.15 0.1792053 Wateree Life Ins SC LNR 100.00 -1,185.11 -97.89 92.88 0.00 0.00 0.00 0.00 0.0088080 XL Life Ins & Ann Co IL L

99.48 91.96 64.14 52.01 54.30 0.00 0.00 -0.01 -0.02 -0.0489087 Enterprise Life Ins Co TX L84.89 63.23 78.85 80.25 77.52 0.00 0.00 0.00 0.00 0.0069108 State Farm Life Ins Co IL L57.28 95.71 -1,521.62 98.08 67.98 0.00 0.00 0.00 0.00 0.0067261 Old Republic Life Ins Co IL L63.95 -159.35 86.10 64.24 71.33 0.00 0.00 0.00 0.00 0.0066087 Mid West Natl Life Ins Co Of TN TX L

-101.61 -79.81 50.91 -8.93 180.18 0.00 0.00 0.01 0.00 0.0094447 Century Life Ass Co OK L92.19 88.36 -103.91 -0.64 10.89 0.00 0.00 0.00 0.09 0.0975612 Gulf States Life Ins Co LA L96.20 39.31 71.30 66.44 60.83 0.00 0.00 0.00 -0.02 -0.0499465 Servco Life Ins Co TX L

-35.52 73.34 -658.34 91.94 62.03 0.00 0.00 0.00 0.00 0.0079049 Alfa Life Ins Corp AL L96.98 17.81 71.49 65.69 31.61 0.00 -0.01 -0.02 -0.06 -0.1777151 Service Life & Cas Ins Co TX L60.88 -12.21 -116.70 -57.60 -13.36 0.00 0.00 0.00 0.01 0.0265757 Shelter Life Ins Co MO L74.57 -123.75 -12.75 7.65 141.17 0.00 0.00 0.01 0.01 0.0191448 Southwest Credit Life Inc NM L

-118.51 -76.55 15.07 28.56 -76.72 0.00 0.00 0.02 0.01 0.0165560 Life Protection Ins Co TX L-101.17 -5.07 -18.40 NR NR -0.01 0.57 0.60 0.72 0.0060488 American Gen Life Ins Co TX L

65.55 -126.88 -69.73 42.98 37.51 -0.01 -0.03 0.09 0.30 0.2192274 Landcar Life Ins Co UT L59.04 -133.62 -56.02 2.84 1.09 -0.12 -0.28 0.84 1.86 1.8071455 Financial Amer Life Ins Co KS L

COMPANIES - COUNTRYWIDE -0.98 -0.19 -2.10 -0.37 -1.83 100.00 100.00 100.00 100.00 100.00140


CREDIT LIFE





CREDIT LIFEBY STATE

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

Business Written in theState of 2015 20152014 2013 2012 2011 2014 2013 2012 2011

Alabama 28 30 29 32 17,030,564 17,143,972 16,351,745 17,100,68325 18,109,949Alaska 13 14 15 19 795,436 807,716 1,053,413 1,472,90410 585,912American Samoa 1 1 1 1 -9,845 -2,993 111,772 115,2581 -3,676Arizona 26 29 31 33 5,578,045 5,339,777 5,364,747 6,282,91222 5,043,584Arkansas 27 31 34 37 6,383,330 6,800,683 8,664,277 8,835,77325 6,444,043California 18 21 24 25 11,922,003 13,152,321 14,083,121 15,921,39715 10,992,149Colorado 26 25 28 30 4,773,740 4,866,950 5,113,537 5,326,68823 4,573,162Connecticut 19 18 21 23 4,775,595 4,722,404 4,118,598 3,194,90918 4,425,108Delaware 19 23 23 24 1,473,694 1,678,254 1,976,692 2,190,63016 1,371,973District Of Columbia 9 9 10 11 687,122 730,764 792,536 770,6038 655,535Florida 27 30 32 38 35,095,845 33,307,141 30,853,395 32,785,01525 35,629,977Georgia 31 33 34 37 27,856,858 27,174,319 26,317,643 26,426,36728 27,433,158Guam 7 7 8 8 4,100,728 3,462,603 3,345,462 2,243,2627 3,774,931Hawaii 14 16 18 19 3,326,871 3,236,086 2,989,558 2,946,03611 3,349,518Idaho 24 23 23 27 4,925,027 4,659,498 4,766,711 4,723,14022 5,083,469Illinois 32 38 38 40 22,744,205 22,819,436 23,020,490 22,978,22529 21,354,999Indiana 30 34 32 37 13,870,252 13,250,235 12,887,261 13,278,28627 13,605,485Iowa 24 24 27 27 9,813,249 10,854,968 11,900,407 12,542,60122 9,515,288Kansas 29 30 30 31 10,102,097 9,728,241 9,921,217 9,831,73727 10,460,540Kentucky 24 27 31 32 17,997,433 18,024,055 18,256,627 18,379,48520 18,787,443Louisiana 32 31 35 35 34,435,873 34,208,550 43,357,178 41,272,21229 35,196,829Maine 15 15 15 19 3,133,290 3,330,412 3,378,878 3,492,55215 3,134,499Maryland 23 27 27 29 8,288,409 8,211,024 9,271,609 9,644,40022 8,446,198Massachusetts 20 22 23 26 2,458,541 2,757,112 3,355,113 3,849,34116 2,351,657Michigan 29 30 33 33 28,689,783 29,326,812 27,847,536 26,575,85425 29,278,702Minnesota 21 23 23 26 6,861,212 7,638,041 8,654,099 9,356,71317 6,513,666Mississippi 30 29 32 34 23,694,848 22,677,028 21,653,456 21,085,39927 24,111,685Missouri 33 37 38 40 19,954,562 19,169,349 20,217,199 19,374,22032 19,154,297Montana 19 19 22 25 1,936,695 2,469,792 2,900,274 3,269,21817 1,858,989Nebraska 21 21 23 27 4,410,313 5,030,855 5,294,359 7,103,04020 4,157,592Nevada 22 23 25 27 874,084 806,318 1,149,397 943,37618 911,152New Hampshire 17 18 20 20 5,338,045 4,752,762 5,122,507 4,275,51014 4,642,363New Jersey 18 20 20 22 4,860,347 5,888,986 6,224,974 6,968,09116 4,918,835New Mexico 27 29 31 31 7,351,240 7,440,390 7,334,751 7,145,98225 7,222,864New York 12 15 15 18 25,145,860 25,795,720 20,964,573 30,454,84611 26,566,242North Carolina 26 28 30 33 29,312,574 28,477,899 28,316,702 30,086,94425 28,422,305North Dakota 19 19 23 24 4,661,779 4,655,715 4,953,048 4,326,12016 4,267,953Northern Mariana Islands 3 3 3 3 308,065 297,953 232,118 89,6203 198,165Ohio 29 31 34 34 22,285,652 22,970,909 24,017,663 24,185,25227 21,457,333



CREDIT LIFEBY STATE


Business Written in theState of 2015 20152014 2013 2012 2011 2014 2013 2012 2011

Oklahoma 30 30 33 36 13,317,807 13,768,830 15,217,838 15,865,11027 12,211,060Oregon 24 26 26 28 5,058,032 5,516,873 6,096,726 6,245,17822 4,497,063Pennsylvania 26 32 29 33 30,503,429 32,661,940 36,843,711 39,875,90325 27,071,636Puerto Rico 8 9 9 7 37,818,887 38,024,279 39,429,547 30,347,8607 37,443,211Rhode Island 17 17 18 21 531,261 680,278 787,439 819,14512 427,290South Carolina 26 28 30 34 24,073,219 22,851,736 22,221,438 22,093,30023 22,889,402South Dakota 19 19 21 23 3,077,830 3,412,517 3,587,148 3,689,27617 3,109,594Tennessee 34 34 35 39 30,646,310 29,694,044 28,845,512 28,795,78931 31,915,645Texas 41 40 39 43 108,825,967 104,764,514 103,448,780 94,395,89834 109,176,815US Virgin Islands 6 6 6 6 1,804,415 1,765,294 1,576,496 1,836,9146 1,691,704Utah 22 23 22 26 6,308,935 6,501,250 6,712,191 7,133,32020 7,266,468Vermont 13 13 13 17 1,235,109 1,244,716 1,354,433 1,406,96812 1,074,574Virginia 24 29 30 32 16,669,231 17,384,911 17,455,617 17,642,93823 17,753,522Washington 23 26 26 28 4,681,190 5,319,998 5,938,144 7,094,24521 4,216,118West Virginia 23 24 23 28 5,559,510 6,261,178 6,669,780 6,798,69922 5,488,351Wisconsin 27 30 31 33 10,013,833 11,043,574 11,892,174 12,296,65324 9,960,784Wyoming 16 19 21 23 1,389,864 1,626,253 1,842,229 1,653,69114 1,296,908

738,758,257 740,184,243 756,053,845 758,835,484731,494,015Total 1,096 1,223 1,308 1,373 1,494



CREDIT LIFEBY STATE

Net Written Premiums % Change from prior year


Business Written in theState of 2015 20152014 20142013 20132012 20122011 2011

6.34 -0.66 4.84 -4.38 4.05 2.48 2.31 2.32 2.16 2.25Alabama-26.34 -1.52 -23.32 -28.48 -23.24 0.08 0.11 0.11 0.14 0.19Alaska62.66 -228.93 -102.68 -3.02 2,492.98 0.00 0.00 0.00 0.01 0.02American Samoa-9.58 4.46 -0.47 -14.61 5.59 0.69 0.76 0.72 0.71 0.83Arizona0.95 -6.14 -21.51 -1.94 -12.93 0.88 0.86 0.92 1.15 1.16Arkansas

-7.80 -9.35 -6.61 -11.55 -5.77 1.50 1.61 1.78 1.86 2.10California-4.20 -1.92 -4.82 -4.00 -11.16 0.63 0.65 0.66 0.68 0.70Colorado-7.34 1.13 14.66 28.91 -8.71 0.60 0.65 0.64 0.54 0.42Connecticut-6.90 -12.19 -15.10 -9.77 -4.46 0.19 0.20 0.23 0.26 0.29Delaware-4.60 -5.97 -7.79 2.85 -13.67 0.09 0.09 0.10 0.10 0.10District Of Columbia1.52 5.37 7.95 -5.89 3.81 4.87 4.75 4.50 4.08 4.32Florida

-1.52 2.51 3.26 -0.41 -0.93 3.75 3.77 3.67 3.48 3.48Georgia-7.94 18.43 3.50 49.13 4.69 0.52 0.56 0.47 0.44 0.30Guam0.68 2.81 8.25 1.48 7.96 0.46 0.45 0.44 0.40 0.39Hawaii3.22 5.70 -2.25 0.92 -7.52 0.69 0.67 0.63 0.63 0.62Idaho

-6.11 -0.33 -0.87 0.18 -0.97 2.92 3.08 3.08 3.04 3.03Illinois-1.91 4.68 2.82 -2.94 -0.64 1.86 1.88 1.79 1.70 1.75Indiana-3.04 -9.60 -8.78 -5.12 -3.08 1.30 1.33 1.47 1.57 1.65Iowa3.55 3.84 -1.95 0.91 -2.68 1.43 1.37 1.31 1.31 1.30Kansas4.39 -0.15 -1.27 -0.67 0.13 2.57 2.44 2.44 2.41 2.42Kentucky2.21 0.66 -21.10 5.05 5.99 4.81 4.66 4.62 5.73 5.44Louisiana0.04 -5.92 -1.43 -3.25 -7.75 0.43 0.42 0.45 0.45 0.46Maine1.90 0.94 -11.44 -3.87 -4.11 1.15 1.12 1.11 1.23 1.27Maryland

-4.35 -10.83 -17.82 -12.84 -12.20 0.32 0.33 0.37 0.44 0.51Massachusetts2.05 -2.17 5.31 4.79 -7.39 4.00 3.88 3.96 3.68 3.50Michigan

-5.07 -10.17 -11.74 -7.51 -9.68 0.89 0.93 1.03 1.14 1.23Minnesota1.76 4.49 4.73 2.69 0.71 3.30 3.21 3.06 2.86 2.78Mississippi

-4.01 4.10 -5.18 4.35 -2.27 2.62 2.70 2.59 2.67 2.55Missouri-4.01 -21.58 -14.84 -11.29 -4.95 0.25 0.26 0.33 0.38 0.43Montana-5.73 -12.33 -4.98 -25.46 -0.03 0.57 0.60 0.68 0.70 0.94Nebraska4.24 8.40 -29.85 21.84 -26.30 0.12 0.12 0.11 0.15 0.12Nevada

-13.03 12.31 -7.22 19.81 10.78 0.63 0.72 0.64 0.68 0.56New Hampshire1.20 -17.47 -5.40 -10.66 -9.27 0.67 0.66 0.80 0.82 0.92New Jersey

-1.75 -1.20 1.44 2.64 -5.42 0.99 1.00 1.01 0.97 0.94New Mexico5.65 -2.52 23.04 -31.16 -7.29 3.63 3.40 3.49 2.77 4.01New York

-3.04 2.93 0.57 -5.88 -4.43 3.89 3.97 3.85 3.75 3.96North Carolina-8.45 0.13 -6.00 14.49 -4.10 0.58 0.63 0.63 0.66 0.57North Dakota

-35.67 3.39 28.36 159.00 -54.27 0.03 0.04 0.04 0.03 0.01Northern Mariana Islands-3.72 -2.98 -4.36 -0.69 -1.00 2.93 3.02 3.10 3.18 3.19Ohio



CREDIT LIFEBY STATE

Net Written Premiums % Change from prior year


Business Written in theState of 2015 20152014 20142013 20132012 20122011 2011

-8.31 -3.28 -9.52 -4.08 1.37 1.67 1.80 1.86 2.01 2.09Oklahoma-11.09 -8.32 -9.51 -2.38 -17.99 0.61 0.68 0.75 0.81 0.82Oregon-11.25 -6.61 -11.35 -7.60 -6.20 3.70 4.13 4.41 4.87 5.25Pennsylvania-0.99 -0.54 -3.56 29.93 11.38 5.12 5.12 5.14 5.22 4.00Puerto Rico

-19.57 -21.91 -13.61 -3.87 -20.14 0.06 0.07 0.09 0.10 0.11Rhode Island-4.92 5.35 2.84 0.58 0.77 3.13 3.26 3.09 2.94 2.91South Carolina1.03 -9.81 -4.87 -2.77 -5.58 0.43 0.42 0.46 0.47 0.49South Dakota4.14 3.21 2.94 0.17 -2.06 4.36 4.15 4.01 3.82 3.79Tennessee0.32 3.88 1.27 9.59 3.48 14.93 14.73 14.15 13.68 12.44Texas

-6.25 2.22 11.98 -14.18 15.68 0.23 0.24 0.24 0.21 0.24US Virgin Islands15.18 -2.96 -3.14 -5.90 0.93 0.99 0.85 0.88 0.89 0.94Utah

-13.00 -0.77 -8.10 -3.73 -6.40 0.15 0.17 0.17 0.18 0.19Vermont6.50 -4.12 -0.41 -1.06 -8.60 2.43 2.26 2.35 2.31 2.33Virginia

-9.93 -12.01 -10.41 -16.30 -14.56 0.58 0.63 0.72 0.79 0.93Washington-1.28 -11.21 -6.13 -1.90 -7.80 0.75 0.75 0.85 0.88 0.90West Virginia-0.53 -9.32 -7.14 -3.29 -10.80 1.36 1.36 1.49 1.57 1.62Wisconsin-6.69 -14.54 -11.72 11.40 -14.61 0.18 0.19 0.22 0.24 0.22Wyoming

100.00 100.00 100.00 100.00 100.00-0.98 -0.19 -2.10 -0.37 -1.83Total


CREDIT ACCIDENT AND HEALTH





CREDIT A&HCOUNTRYWIDE

COCODE COMPANY NAME






at Prima Facie Rates2015 -2013


2015 2014 2013 2012 2011

62626 CMFG Life Ins Co 46.09 44.25 44.55 41.95 147,774,580 152,220,308 148,887,172 156,607,599 160,913,45660518 American Hlth & Life Ins Co 49.70 51.55 39.44 41.35 23,616,099 22,582,073 33,307,518 40,617,953 47,573,10865951 Merit Life Ins Co 49.95 51.87 50.13 52.11 21,121,295 21,651,658 15,032,529 14,039,179 12,182,11566168 Minnesota Life Ins Co 39.42 37.58 36.94 35.11 19,826,780 18,912,096 20,662,887 21,690,850 24,510,74286231 Transamerica Life Ins Co 42.75 45.67 35.82 38.12 11,613,074 11,808,931 12,490,038 15,301,969 16,895,02897691 Life Of The South Ins Co 18.29 18.20 16.38 16.30 10,352,651 8,914,619 6,862,825 8,334,254 8,549,67861751 Central States H & L Co Of Omaha 26.21 27.65 24.42 25.98 9,396,914 9,597,618 11,414,117 11,325,878 11,951,23260275 American Bankers Life Assur Co Of FL 22.56 21.79 19.65 18.93 5,424,290 8,934,443 12,689,965 13,698,922 18,239,92260739 American Natl Ins Co 28.83 28.75 21.35 21.30 4,868,098 5,134,988 4,846,638 12,951,188 7,497,66225178 State Farm Mut Auto Ins Co 41.39 41.63 38.01 38.26 4,688,136 3,495,284 3,787,871 4,448,730 4,317,37397152 Plateau Ins Co 26.44 26.50 28.74 28.81 4,011,395 4,780,488 2,193,537 1,704,021 1,700,01693777 Pavonia Life Ins Co of MI 35.66 35.17 48.59 47.44 3,627,792 7,038,435 4,611,447 9,978,175 4,563,06666281 Transamerica Premier Life Ins Co 37.27 30.80 30.67 24.32 3,019,447 2,379,112 3,269,220 5,232,154 5,101,35168136 Protective Life Ins Co 24.55 26.59 21.92 23.68 2,965,881 2,881,677 3,771,742 5,045,083 5,175,79167628 Pekin Life Ins Co 42.83 42.84 40.61 40.66 2,530,769 2,803,245 3,033,321 2,437,879 2,278,86065811 American Modern Life Ins Co 34.56 35.68 31.37 33.04 2,286,041 2,491,376 1,970,391 3,817,858 4,930,23860242 Southern Financial Life Ins Co 38.95 38.95 35.99 35.99 2,098,788 1,367,928 1,240,743 1,610,700 1,885,42698736 American Federated Life Ins Co 24.82 24.82 23.61 23.61 1,879,372 1,444,262 1,561,698 1,641,371 1,670,49310111 American Bankers Ins Co Of FL 13.99 13.84 12.36 12.36 1,856,386 1,447,423 1,781,046 2,773,327 2,847,82093742 Securian Life Ins Co 51.55 41.63 47.99 39.73 1,807,405 2,436,314 1,597,999 1,296,322 1,196,00461298 Bankers Life Of LA 19.59 19.59 18.46 18.46 1,655,537 1,448,220 1,219,936 1,474,060 1,293,76571455 Financial Amer Life Ins Co 27.65 29.18 27.41 29.01 1,210,853 1,361,654 1,770,413 2,491,004 2,778,22873156 Caribbean Amer Life Assur Co 36.23 36.23 20.24 20.24 1,052,435 946,871 2,127,973 3,267,282 5,762,90164211 Guarantee Trust Life Ins Co 39.67 39.39 42.56 42.56 893,641 1,966,946 2,512,886 1,602,854 4,672,21464904 Investors Heritage Life Ins Co 34.10 34.10 32.53 32.53 881,261 1,182,203 1,267,791 1,363,924 962,21360836 American Republic Ins Co 32.57 32.62 28.83 28.93 853,361 570,675 748,946 1,059,441 1,497,68576007 Old United Life Ins Co 23.83 26.05 18.48 20.17 818,885 1,087,570 718,415 1,363,815 1,669,49934274 Central States Ind Co Of Omaha 5.00 4.33 5.20 4.37 608,805 396,459 -50,367 385,200 479,63965480 Old Spartan Life Ins Co Inc 10.76 10.76 11.59 11.59 598,530 653,299 800,725 630,792 554,24760488 American Gen Life Ins Co 81.21 49.34 226.32 42.49 326,271 310,481 479,377 1,535,406 081779 Individual Assur Co Life Hlth & Acc 35.01 34.94 28.86 28.82 315,102 -827,752 3,096,533 1,752,795 2,084,42170548 Wichita Natl Life Ins Co 26.48 26.36 25.87 25.87 298,599 284,992 294,788 333,191 340,29088536 Protective Life & Annuity Ins Co 41.99 39.69 47.44 42.55 258,766 101,369 260,684 304,713 169,43874233 First Natl Life Ins Co Of USA 32.71 32.71 33.65 33.65 258,156 278,722 314,016 325,559 298,80160244 Kentucky Home Life Ins Co 28.31 28.30 28.81 28.82 248,123 306,306 313,367 392,691 502,56579340 Pavonia Life Ins Co NY 12.15 9.79 -2.41 -1.78 224,717 -336,126 89,919 322,578 103,94499538 SWBC Life Ins Co 11.27 14.21 11.20 13.98 219,514 86,146 149,618 45,006 112,89360041 UNIVERSAL LIFE INS CO 31.32 31.32 36.49 36.49 195,297 237,275 328,273 44,832 085677 Life Assur Co Inc 16.73 16.73 15.92 15.92 189,239 114,530 82,726 164,232 176,01960534 American Heritage Life Ins Co 49.67 49.72 13.07 13.05 183,422 -291,089 801,009 1,995,779 3,856,61981477 Union Security Life Ins Co of NY 33.74 17.95 19.06 9.82 175,783 99,075 317,747 539,053 1,238,424




COCODE COMPANY NAME








2015 2014 2013 2012 2011

62650 Delta Life Ins Co 19.45 19.45 20.84 20.84 175,378 174,399 198,302 223,474 180,97870106 United States Life Ins Co in the Cit 187.79 133.37 235.24 161.62 163,937 167,565 318,509 206,176 1,178,01674365 Southern Pioneer Life Ins Co -10.68 -13.88 16.24 16.24 145,299 117,980 174,143 282,281 -1,526,69277976 Gulf Guar Life Ins Co 17.92 17.89 15.94 15.89 129,127 128,296 235,606 137,790 365,35610952 Transamerica Cas Ins Co 21.90 19.79 21.94 19.80 104,251 65,930 70,225 80,416 147,09741211 Triton Ins Co 99.90 99.90 89.99 89.99 99,975 277,119 409,423 455,364 488,95780020 Mountain Life Ins Co 4.48 4.48 -12.66 -12.66 97,686 -712,723 239,716 286,990 329,10561409 National Benefit Life Ins Co 65.23 70.30 63.44 70.75 51,724 401,284 704,100 964,748 841,35086118 Arkansas Bankers Life Ins Co 37.15 37.15 16.33 16.33 50,703 59,925 0 158,092 114,60571463 CICA Life Ins Co of Amer 7.12 7.12 7.13 7.13 46,442 55,963 44,756 26,457 65,98083992 Foundation Life Ins Co Of AR 26.58 26.58 18.69 18.69 42,132 -5,985 78,824 86,770 94,00379715 Cooperativa De Seguros De Vida 7.04 7.04 8.24 8.24 39,705 14,827 33,195 -57,576 168,18562383 Centurion Life Ins Co 28.43 27.91 -16.80 -16.73 39,050 -250,519 59,604 446,918 548,28642978 American Security Ins Co 24.84 24.84 24.15 24.15 37,501 60,633 72,051 3,667 1,22092274 Landcar Life Ins Co 17.12 12.26 8.76 45.30 34,535 189,895 56,132 459,481 265,31474470 Great Central Life Ins Co 8.40 8.40 9.18 9.18 33,804 24,087 41,342 26,734 25,31930325 Zale Ind Co 8.87 8.87 7.96 7.96 18,612 60,407 31,733 28,778 63,49993650 Versant Life Ins Co 15.68 15.68 4.73 4.73 16,207 6,109 18,576 65,124 111,19599465 Servco Life Ins Co 34.10 34.10 24.39 24.39 13,412 63,479 116,349 375,377 856,73194447 Century Life Ass Co 13.33 13.33 -16.46 -16.46 12,431 -37,959 -5,801 170,325 -42,81875612 Gulf States Life Ins Co 20.62 20.62 -4.86 -4.86 11,171 -16,872 108 87,716 48,27179049 Alfa Life Ins Corp 908.90 510.17 1,347.05 716.11 10,975 24,675 36,744 26,133 64,75093521 General Fidelity Life Ins Co 81.64 82.22 190.66 190.66 10,959 9,841 63,077 73,683 80,84375094 Life Ins Co Of LA 48.70 48.70 31.05 31.05 10,344 26,341 70,827 87,596 66,26669477 Time Ins Co 230.44 230.44 310.29 310.29 4,239 4,577 6,050 8,774 41398868 Sheridan Life Ins Co 16.74 16.74 30.35 30.35 4,175 0 15,756 0 093815 Pacific Century Life Ins Corp 32.47 32.47 50.76 50.76 3,600 6,000 0 788 81592649 American Underwriters Life Ins Co 17.79 17.79 10.14 10.14 3,354 5,173 0 0 30,95166087 Mid West Natl Life Ins Co Of TN 97.24 97.24 235.12 235.12 2,207 2,168 7,708 10,115 16,69571323 Zale Life Ins Co 7.21 7.21 7.38 7.38 193 69,085 99,539 56,422 46,99564394 Heritage Life Ins Co NR NR NR NR 0 0 0 0 065021 Stonebridge Life Ins Co 18.25 16.65 7.40 6.55 0 108,203 -26,859 597,462 315,08021075 Financial Amer Prop & Cas Ins Co -3.17 -3.17 NR NR 0 0 0 -2 -4063088 Farm Bureau Life Ins Co NR NR NR NR 0 0 0 0 061824 Cherokee Natl Life Ins Co 45.50 45.50 34.60 34.60 0 0 648,115 1,013,383 1,470,39624813 Balboa Ins Co NR NR NR NR 0 0 0 0 061212 Baltimore Life Ins Co NR NR NR NR 0 0 0 0 -32061018 Magna Ins Co 65.12 65.12 NR NR 0 0 0 0 466,19932077 Heritage Cas Ins Co NR NR NR NR 0 0 0 0 065536 Genworth Life & Ann Ins Co NR NR NR NR 0 0 0 0 060054 Aetna Life Ins Co NR NR NR NR 0 0 0 0 0




COCODE COMPANY NAME








2015 2014 2013 2012 2011

61158 TRIPLE S BLUE 84.38 84.38 37.50 37.50 0 0 6 21 088374 Commonwealth Dealers Life Ins Co -100.58 -100.84 -270.79 -271.91 0 -22 -4,595 -22,285 -70,28070173 Universal Underwriters Life Ins Co 30.44 30.45 112.91 114.06 0 -900 12,218 52,544 271,49972613 USAA Direct Life Ins Co 0.00 0.00 NR NR 0 0 0 0 068373 American Gen Assur Co 71.39 72.87 NR NR 0 0 0 0 4,006,99476112 Oxford Life Ins Co 26.39 26.39 NR NR 0 0 0 540 34078301 Corvesta Life Ins Co NR NR NR NR 0 0 0 0 069973 United Life Ins Co 138.81 138.94 -161.94 -161.94 0 -1,500 -2,223 4,474 38,34688080 XL Life Ins & Ann Co NR NR NR NR 0 0 0 23 10,97671099 Parker Centennial Assur Co NR NR NR NR 0 0 0 0 089087 Enterprise Life Ins Co 28.45 28.45 82.95 82.95 0 22,503 397,958 229,797 573,94689958 Shelterpoint Ins Co -0.23 -0.21 -215.82 -212.35 0 0 -26,962 -261,135 282,51290867 Century Credit Life Ins Co NR NR NR NR 0 0 0 0 094439 American Creditors Life Ins Co NR NR NR NR 0 0 0 0 094579 First Assur Life Of Amer 23.92 23.92 NR NR 0 0 0 846,720 1,227,45997055 Mega Life & Hlth Ins Co The -72.51 -72.51 59.72 59.72 0 0 1,662 2,155 -24,39081043 Bankers Life Ins Co 333.60 333.61 NR NR 0 0 0 1,026 1,01768241 Prudential Ins Co Of Amer -107.06 -107.11 NR NR 0 0 -4,782 -1,849 4,10069523 Trans Oceanic Life Ins Co 0.00 0.00 NR NR 0 0 0 0 065676 Lincoln Natl Life Ins Co 0.00 0.00 NR NR 0 0 0 0 065757 Shelter Life Ins Co 17.28 9.15 -21.06 -21.06 0 0 -9,402 35,763 -11,60365781 Madison Natl Life Ins Co Inc NR NR NR NR 0 0 0 0 065838 John Hancock Life Ins Co USA NR NR NR NR 0 0 0 0 065978 Metropolitan Life Ins Co -9.79 -9.79 NR NR 0 -1,964 0 0 -28068632 Vantis Life Ins Co 23.02 23.02 0.00 0.00 0 0 0 4,486 5,28210097 Balboa Life Ins Co Of NY NR NR NR NR 0 0 1,098 -7,766 -57,97468020 Mcdonald Life Ins Co NR NR NR NR 0 0 0 0 068160 Balboa Life Ins Co -427.31 -538.58 NR NR 0 0 -8,833 -93,392 -142,17569663 USAA Life Ins Co NR NR NR NR 0 0 0 0 068349 North Amer Ins Co 44.87 45.31 -76.97 -76.97 -24 -1,854 -1,909 10,616 17,86962596 Union Fidelity Life Ins Co 104.88 104.88 32.63 32.63 -212 -6 5,865 19,816 37,09687645 United Fidelity Life Ins Co 119.95 119.95 -113.12 -113.12 -315 -4,526 -2,653 14,424 23,35660895 American United Life Ins Co 16.19 14.25 30.01 26.06 -680 21,260 193,166 320,335 -160,35585090 Dearborn Natl Life Ins Co of NY NR NR NR NR -1,127 888 6,611 -19,148 22,94111162 Insurance Co of the South -0.28 -0.28 -0.36 -0.36 -1,427 -186 761 27 -61877054 MAPFRE Life Ins Co of PR 16.00 8.38 -2.83 -1.06 -2,493 -14,610 2,253 71,359 74,30570435 The Savings Bank Life Ins Co Of MA -110.49 -89.33 18.90 15.28 -2,969 5,814 -423 -4,779 -40,35672087 Multinational Life Ins Co 7.85 7.85 7.85 7.85 -3,617 -23,973 56,662 0 077690 Trans City Life Ins Co 18.58 18.58 14.77 14.77 -5,988 51,441 143,488 33,440 216,86642986 Standard Guar Ins Co 0.68 0.68 0.68 0.68 -6,508 -20,590 31,147 0 065560 Life Protection Ins Co 13.47 16.82 8.61 10.78 -9,764 14,787 71,137 73,841 179,337




COCODE COMPANY NAME








2015 2014 2013 2012 2011

61506 Resource Life Ins Co 49.75 53.53 -431.55 -457.50 -54,229 -287,811 -265,519 804,342 1,929,73577151 Service Life & Cas Ins Co 6.12 7.54 -81.94 -100.98 -64,369 -226,005 -1,561,816 1,068,384 1,509,23019232 Allstate Ins Co NR NR NR NR -153,526 0 0 0 067261 Old Republic Life Ins Co -55.11 -55.11 -1,161.49 -1,161.49 -174,553 -148,828 8,688 -18,228 127,17160186 Allstate Life Ins Co NR NR NR NR -1,541,769 0 0 0 070688 Transamerica Financial Life Ins Co 49.41 40.98 36.79 32.49 -2,667,647 3,892,952 3,997,420 4,180,377 3,677,776

393,146,307369,683,004319,516,350306,676,877129 34.3535.1637.1437.79COMPANIES IN REPORT - COUNTRYWIDE 292,953,399




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

2015 20152014 20142013 20132012 20122011 2011

62626 CMFG Life Ins Co 43.11 45.12 45.48 47.90 49.01 39.04 42.83 44.28 47.30 48.6760518 American Hlth & Life Ins Co 35.11 33.29 50.09 61.10 68.63 37.30 34.98 51.74 62.52 69.8565951 Merit Life Ins Co 48.65 54.81 46.42 51.33 47.67 51.00 56.84 47.84 53.22 49.3466168 Minnesota Life Ins Co 35.25 35.88 39.85 41.83 44.37 33.37 34.09 38.04 40.02 42.5686231 Transamerica Life Ins Co 34.79 35.33 37.32 46.78 64.17 36.61 37.74 40.02 50.50 68.6897691 Life Of The South Ins Co 15.69 17.64 15.96 21.28 23.42 15.59 17.53 15.92 21.24 23.2961751 Central States H & L Co Of Omaha 22.78 22.97 27.53 27.89 30.12 24.54 24.43 28.93 29.16 31.2160275 American Bankers Life Assur Co Of FL 16.91 18.08 22.60 22.82 28.59 16.07 17.46 21.89 22.07 27.7660739 American Natl Ins Co 21.10 22.04 20.92 52.81 26.44 21.54 21.35 21.00 53.14 26.1425178 State Farm Mut Auto Ins Co 44.56 32.16 37.48 48.24 46.00 44.85 32.47 37.63 48.46 46.1797152 Plateau Ins Co 26.54 37.44 21.21 20.12 21.98 26.68 37.49 21.21 20.18 21.9893777 Pavonia Life Ins Co of MI 49.76 70.36 32.60 44.78 15.27 49.03 66.79 32.33 44.47 15.1466281 Transamerica Premier Life Ins Co 31.11 29.34 31.29 48.22 42.97 24.27 23.05 25.39 41.35 38.0968136 Protective Life Ins Co 21.50 19.46 24.70 30.20 25.60 23.45 20.98 26.48 32.47 28.0467628 Pekin Life Ins Co 33.18 40.11 50.68 47.54 47.29 33.40 40.03 50.58 47.43 47.2265811 American Modern Life Ins Co 39.11 34.68 23.24 34.85 39.85 41.36 36.54 24.39 36.93 38.9460242 Southern Financial Life Ins Co 43.36 33.00 30.30 39.89 47.79 43.36 33.00 30.30 39.89 47.7998736 American Federated Life Ins Co 26.78 20.79 23.24 25.53 28.24 26.78 20.79 23.24 25.53 28.2410111 American Bankers Ins Co Of FL 13.85 10.72 12.51 16.62 15.22 13.85 10.72 12.51 16.62 14.5893742 Securian Life Ins Co 42.97 49.18 53.03 64.98 59.84 34.80 42.37 42.49 48.41 45.3161298 Bankers Life Of LA 19.54 18.95 16.71 21.60 21.71 19.54 18.95 16.71 21.60 21.7171455 Financial Amer Life Ins Co 40.59 27.56 22.36 28.15 27.59 43.63 29.17 23.52 29.59 29.0973156 Caribbean Amer Life Assur Co 16.46 13.91 29.58 43.17 69.01 16.46 13.91 29.58 43.17 69.0164211 Guarantee Trust Life Ins Co 33.40 47.85 43.03 20.20 53.07 33.40 47.85 43.03 20.20 51.8664904 Investors Heritage Life Ins Co 26.92 34.65 35.66 37.97 34.91 26.92 34.65 35.66 37.97 34.9160836 American Republic Ins Co 39.87 21.87 26.86 32.78 39.88 40.50 21.89 26.77 32.81 39.8476007 Old United Life Ins Co 16.97 22.97 15.48 29.42 33.99 18.43 25.08 16.98 32.25 37.2534274 Central States Ind Co Of Omaha 11.17 6.48 -0.74 4.52 5.05 9.28 5.47 -0.63 4.03 4.5065480 Old Spartan Life Ins Co Inc 12.33 11.23 11.37 9.67 9.46 12.33 11.23 11.37 9.67 9.4660488 American Gen Life Ins Co NR 33.10 33.30 55.39 NR 122.48 33.32 33.55 55.89 NR81779 Individual Assur Co Life Hlth & Acc 18.53 -26.75 74.44 38.04 43.61 18.50 -26.71 74.35 37.93 43.5070548 Wichita Natl Life Ins Co 27.52 25.18 25.02 27.17 27.48 27.52 25.18 25.02 26.59 27.4888536 Protective Life & Annuity Ins Co 70.88 22.69 52.49 52.06 23.73 56.01 20.32 52.32 52.06 23.7374233 First Natl Life Ins Co Of USA 32.76 33.68 34.38 32.93 30.11 32.76 33.68 34.38 32.93 30.1160244 Kentucky Home Life Ins Co 27.25 31.88 27.46 26.63 28.87 27.25 31.90 27.46 26.63 28.82




COCODE COMPANY NAME




2015 20152014 20142013 20132012 20122011 2011

79340 Pavonia Life Ins Co NY 97.85 -157.83 20.01 33.73 7.00 70.41 -118.49 14.84 28.01 5.8599538 SWBC Life Ins Co 11.64 7.42 14.69 5.56 19.87 14.24 9.35 18.86 7.23 25.8160041 UNIVERSAL LIFE INS CO 31.90 27.42 54.05 9.19 NR 31.90 27.42 54.05 9.19 NR85677 Life Assur Co Inc 25.66 14.18 9.37 17.78 17.72 25.66 14.18 9.37 17.78 17.7260534 American Heritage Life Ins Co 25.58 -5.54 NR 369.68 52.57 25.59 -5.53 NR 370.33 52.7281477 Union Security Life Ins Co of NY 20.27 10.56 24.39 33.82 53.33 10.28 5.39 12.78 18.20 29.4262650 Delta Life Ins Co 20.49 19.71 22.28 21.40 14.80 20.49 19.71 22.28 21.40 14.8070106 United States Life Ins Co in the Cit 359.93 202.98 214.89 64.00 243.02 154.51 153.72 170.26 51.84 162.4274365 Southern Pioneer Life Ins Co 18.00 14.21 16.49 16.54 -48.39 18.00 14.21 16.49 16.54 -108.1077976 Gulf Guar Life Ins Co 13.29 12.47 21.57 12.23 27.28 13.17 12.47 21.57 12.23 27.2810952 Transamerica Cas Ins Co 31.17 18.55 17.31 16.80 26.16 28.01 16.79 15.63 15.20 23.6841211 Triton Ins Co 86.23 87.28 92.92 110.00 109.99 86.23 87.28 92.92 110.00 109.9980020 Mountain Life Ins Co 10.62 -73.31 22.37 24.57 26.39 10.62 -73.31 22.37 24.57 26.3961409 National Benefit Life Ins Co 21.05 67.72 71.43 65.83 67.15 23.37 79.25 77.56 66.69 74.2686118 Arkansas Bankers Life Ins Co 39.54 38.01 0.00 75.86 78.56 39.54 38.01 0.00 75.86 78.5671463 CICA Life Ins Co of Amer 6.84 8.27 6.33 3.94 10.47 6.84 8.27 6.33 3.94 10.4783992 Foundation Life Ins Co Of AR 18.64 -2.68 47.61 49.64 29.11 18.64 -2.68 47.61 49.64 29.1179715 Cooperativa De Seguros De Vida 18.49 4.51 6.38 -3.59 110.28 18.49 4.51 6.38 -3.59 110.2862383 Centurion Life Ins Co 19.86 -93.92 13.52 57.24 42.79 19.86 -93.79 13.43 56.11 41.6242978 American Security Ins Co 21.80 29.90 21.84 NR NR 21.80 29.90 21.84 NR NR92274 Landcar Life Ins Co 5.29 18.44 3.69 32.67 20.99 NR NR 6.00 7.64 16.9174470 Great Central Life Ins Co 10.40 6.61 10.55 7.40 7.04 10.40 6.61 10.55 7.40 7.0430325 Zale Ind Co 4.17 12.64 6.80 6.22 14.54 4.17 12.64 6.80 6.22 14.5493650 Versant Life Ins Co 8.01 1.21 11.68 29.56 37.06 8.01 1.21 11.68 29.56 37.0699465 Servco Life Ins Co 53.04 36.02 19.70 29.78 40.29 53.02 36.02 19.70 29.78 40.2994447 Century Life Ass Co 49.10 -71.35 -5.19 83.98 -13.04 49.10 -71.27 -5.19 83.98 -13.0475612 Gulf States Life Ins Co NR -207.79 0.10 34.02 18.61 NR -207.79 0.10 34.02 18.6179049 Alfa Life Ins Corp 1,213.51 1,530.07 1,286.02 518.74 857.36 612.67 778.64 713.61 318.77 472.7293521 General Fidelity Life Ins Co 486.85 87.14 207.16 102.58 45.88 486.85 87.13 207.16 102.58 46.4375094 Life Ins Co Of LA 9.32 22.02 61.27 92.07 69.55 9.32 22.02 61.27 92.07 69.5569477 Time Ins Co 292.34 369.11 287.96 348.31 13.20 292.34 369.11 287.96 348.31 13.2098868 Sheridan Life Ins Co 21.70 0.00 68.25 0.00 0.00 21.70 0.00 68.25 0.00 0.0093815 Pacific Century Life Ins Corp 61.30 93.57 0.00 10.99 9.67 61.30 93.57 0.00 10.99 9.6792649 American Underwriters Life Ins Co 9.69 10.45 NR NR 22.45 9.69 10.45 NR NR 22.4566087 Mid West Natl Life Ins Co Of TN 213.03 98.95 403.14 119.28 63.29 213.03 98.95 403.14 119.28 63.29




COCODE COMPANY NAME




2015 20152014 20142013 20132012 20122011 2011

71323 Zale Life Ins Co 0.03 8.85 12.56 7.47 6.44 0.03 8.85 12.56 7.47 6.4464394 Heritage Life Ins Co NR NR NR NR NR NR NR NR NR NR65021 Stonebridge Life Ins Co NR 22.27 -4.38 30.18 13.31 NR 19.59 -3.90 26.67 12.6721075 Financial Amer Prop & Cas Ins Co NR NR NR -2.47 -3.21 NR NR NR -2.47 -3.2163088 Farm Bureau Life Ins Co NR NR NR NR NR NR NR NR NR NR61824 Cherokee Natl Life Ins Co NR NR 34.60 45.93 52.45 NR NR 34.60 45.93 52.4524813 Balboa Ins Co NR NR NR NR NR NR NR NR NR NR61212 Baltimore Life Ins Co NR NR NR NR NR NR NR NR NR NR61018 Magna Ins Co NR NR NR NR 65.12 NR NR NR NR 65.1232077 Heritage Cas Ins Co NR NR NR NR NR NR NR NR NR NR65536 Genworth Life & Ann Ins Co NR NR NR NR NR NR NR NR NR NR60054 Aetna Life Ins Co NR NR NR NR NR NR NR NR NR NR61158 TRIPLE S BLUE NR NR 37.50 131.25 NR NR NR 37.50 131.25 NR88374 Commonwealth Dealers Life Ins Co NR -9.91 -309.84 -98.23 -97.31 NR -10.09 -310.47 -98.48 -97.5570173 Universal Underwriters Life Ins Co NR NR 91.64 32.79 29.15 NR NR 92.58 32.49 29.2172613 USAA Direct Life Ins Co NR NR NR 0.00 0.00 NR NR NR 0.00 0.0068373 American Gen Assur Co NR NR NR NR 71.39 NR NR NR NR 72.8776112 Oxford Life Ins Co NR NR NR 139.18 10.50 NR NR NR 139.18 10.5078301 Corvesta Life Ins Co NR NR NR NR NR NR NR NR NR NR69973 United Life Ins Co NR -1,442.31 -101.28 53.74 218.61 NR -1,442.31 -101.28 53.75 218.9188080 XL Life Ins & Ann Co NR NR NR NR NR NR NR NR NR NR71099 Parker Centennial Assur Co NR NR NR NR NR NR NR NR NR NR89087 Enterprise Life Ins Co 0.00 33.33 90.83 18.44 22.51 0.00 33.33 90.83 18.44 22.5189958 Shelterpoint Ins Co NR NR -215.82 -57.19 14.74 NR NR -212.35 -57.15 13.2490867 Century Credit Life Ins Co NR NR NR NR NR NR NR NR NR NR94439 American Creditors Life Ins Co NR NR NR NR NR NR NR NR NR NR94579 First Assur Life Of Amer NR NR NR 20.95 26.52 NR NR NR 20.95 26.5297055 Mega Life & Hlth Ins Co The NR NR 59.72 29.78 -132.89 NR NR 59.72 29.78 -132.8981043 Bankers Life Ins Co NR NR NR 1,520.41 186.64 NR NR NR 1,520.64 186.6468241 Prudential Ins Co Of Amer NR NR NR NR 173.43 NR NR NR NR 173.5169523 Trans Oceanic Life Ins Co NR NR NR 0.00 0.00 NR NR NR 0.00 0.0065676 Lincoln Natl Life Ins Co NR NR NR 0.00 0.00 NR NR NR 0.00 0.0065757 Shelter Life Ins Co 0.00 0.00 -32.34 69.92 NR 0.00 0.00 -32.34 69.94 -17.7065781 Madison Natl Life Ins Co Inc NR NR NR NR NR NR NR NR NR NR65838 John Hancock Life Ins Co USA NR NR NR NR NR NR NR NR NR NR




COCODE COMPANY NAME




2015 20152014 20142013 20132012 20122011 2011

65978 Metropolitan Life Ins Co NR NR NR 0.00 -1.84 NR NR NR 0.00 -1.8468632 Vantis Life Ins Co NR NR 0.00 38.36 31.56 NR NR 0.00 38.36 31.5610097 Balboa Life Ins Co Of NY NR NR NR NR NR NR NR NR NR NR68020 Mcdonald Life Ins Co NR NR NR NR NR NR NR NR NR NR68160 Balboa Life Ins Co NR NR NR -7,834.90 -253.87 NR NR NR -7,834.90 -321.7669663 USAA Life Ins Co 0.00 0.00 NR NR NR 0.00 0.00 NR NR NR68349 North Amer Ins Co -4.87 NR -40.86 66.79 52.21 -4.87 NR -40.86 66.82 53.0262596 Union Fidelity Life Ins Co -27.75 -0.16 46.28 246.23 108.16 -27.75 -0.16 46.28 246.23 108.1687645 United Fidelity Life Ins Co -60.34 -306.02 -57.37 200.50 204.34 -60.34 -306.02 -57.37 200.50 204.3460895 American United Life Ins Co -0.54 10.01 51.56 58.80 -15.26 -0.49 8.69 44.28 50.51 -13.7385090 Dearborn Natl Life Ins Co of NY -866.92 457.73 NR NR 891.26 -1,225.00 652.94 NR NR 1,131.2111162 Insurance Co of the South -3.99 -0.21 0.69 0.02 -0.41 -3.99 -0.21 0.69 0.02 -0.4177054 MAPFRE Life Ins Co of PR -0.74 -15.53 2.46 57.72 43.92 -0.24 -5.41 2.34 89.11 95.7670435 The Savings Bank Life Ins Co Of MA -114.77 180.78 -6.03 -43.27 -272.73 -92.78 146.15 -4.88 -34.98 -220.5072087 Multinational Life Ins Co -3.72 -20.22 36.67 NR NR -3.72 -20.22 36.67 NR NR77690 Trans City Life Ins Co -1.74 10.50 32.24 6.62 37.37 -1.74 10.50 32.24 6.62 37.3742986 Standard Guar Ins Co -4.52 -10.27 12.21 NR NR -4.52 -10.27 12.21 NR NR65560 Life Protection Ins Co -10.84 4.26 15.92 13.18 17.91 -13.47 5.32 19.96 16.46 22.3461506 Resource Life Ins Co NR NR -136.98 74.38 63.22 NR NR -146.00 79.62 68.2077151 Service Life & Cas Ins Co -78.00 -48.98 -91.00 30.07 24.98 -96.40 -60.31 -112.15 37.05 30.7819232 Allstate Ins Co NR NR NR NR NR NR NR NR NR NR67261 Old Republic Life Ins Co -528,948.48 -9,014.42 34.19 -19.30 50.51 -528,948.48 -9,014.42 34.19 -19.30 50.5160186 Allstate Life Ins Co NR NR NR NR NR NR NR NR NR NR70688 Transamerica Financial Life Ins Co -124.09 65.85 65.18 68.33 59.70 -157.90 54.88 54.83 57.30 43.03129 COMPANIES IN REPORT - COUNTRYWIDE 33.84 34.93 36.72 41.24 41.79 41.5340.8136.3234.2432.52



CREDIT A&HBY STATE


5-yr Loss Ratio at

Prima Facie2015 - 2011

3-yrAggregatedLoss Ratio2015 - 2013

3-yr LossRatio at


Annual Incurred Claims (Losses)

Business Written in the State of 2015 2014 2013 2012 2011

38.57 37.10 36.99 35.34 4,121,630 9,020,611 7,192,137 7,681,880Alabama 7,857,01421.86 21.86 18.54 18.51 294,307 242,093 355,792 487,634Alaska -33,8590.00 0.00 0.00 0.00 -10 10 0 0American Samoa 0

31.84 32.36 28.69 30.22 1,181,466 1,299,417 1,217,040 2,315,738Arizona 865,29829.58 32.93 29.84 30.64 1,019,064 1,246,718 1,976,384 1,161,940Arkansas 1,261,78040.96 31.45 39.68 29.57 6,487,963 5,227,279 7,525,775 9,751,273California 4,380,88530.71 28.14 28.66 26.95 1,236,537 1,495,489 2,000,084 2,106,005Colorado 1,671,53038.75 38.03 36.41 34.55 2,127,705 1,691,423 2,225,713 2,929,786Connecticut 1,990,05134.69 33.08 28.21 26.22 448,881 462,138 658,466 1,171,663Delaware 353,47238.18 41.11 38.35 41.81 728,524 652,515 722,978 924,678District Of Columbia 943,71031.55 30.54 29.09 27.59 11,612,724 11,097,420 14,040,063 13,838,011Florida 10,462,51720.04 19.90 18.38 18.27 12,008,090 11,400,215 12,724,744 13,229,486Georgia 10,100,76218.40 18.40 -3.88 -3.88 -6,639 -14,908 144,273 51,697Guam -36538.77 41.19 38.52 40.98 2,749,739 2,960,053 3,148,529 2,956,004Hawaii 3,049,11730.29 29.40 26.30 25.57 1,158,846 2,018,778 2,495,623 1,743,490Idaho 1,697,79534.26 34.27 33.42 33.35 12,669,932 12,745,852 14,027,214 12,966,195Illinois 11,649,87049.77 53.18 45.64 49.36 7,176,183 6,888,927 7,872,117 10,607,094Indiana 7,342,94833.50 33.61 31.20 31.44 5,365,628 4,293,043 6,284,498 6,686,102Iowa 4,181,29628.90 26.57 27.12 24.13 3,128,882 3,721,301 4,001,362 4,262,670Kansas 3,686,08235.99 34.42 33.35 31.54 8,652,213 7,504,941 9,058,284 9,292,905Kentucky 8,489,23030.14 32.98 28.39 30.89 10,139,548 9,417,064 11,895,306 11,893,247Louisiana 10,091,66870.34 62.46 69.00 60.71 3,721,807 3,937,909 4,341,562 4,565,375Maine 3,895,88649.79 34.43 46.99 31.97 4,887,080 5,305,414 5,884,890 6,341,252Maryland 4,414,87840.10 36.40 38.69 35.10 2,040,797 2,312,180 2,997,475 3,243,055Massachusetts 1,848,26145.52 46.83 41.56 41.78 14,467,461 13,254,874 14,797,755 15,751,265Michigan 12,814,26639.16 41.60 37.99 40.51 2,843,269 4,639,767 4,647,183 4,381,748Minnesota 3,350,36129.63 27.58 27.80 25.80 6,521,804 6,712,283 6,928,229 7,730,999Mississippi 6,672,71030.71 31.15 27.84 28.07 3,851,686 4,393,196 5,591,828 5,369,146Missouri 4,158,98229.37 31.10 25.61 25.81 772,651 752,068 1,481,796 1,442,458Montana 800,33531.59 31.47 28.62 28.43 1,924,932 2,269,665 2,843,175 2,833,924Nebraska 1,476,38224.53 25.19 31.59 33.10 474,183 701,213 441,196 385,080Nevada 136,37024.26 19.44 23.58 18.87 3,108,480 2,765,159 2,858,457 2,867,003New Hampshire 2,131,25456.69 60.95 53.05 55.50 4,677,019 4,446,662 6,511,018 6,782,191New Jersey 4,114,46648.19 49.43 43.87 46.13 3,982,542 3,459,500 4,456,525 4,138,089New Mexico 3,058,95750.69 35.79 48.65 34.24 24,373,948 25,325,725 24,914,513 26,061,594New York 17,490,42139.76 39.47 37.09 36.78 15,744,873 13,679,915 17,037,089 17,716,365North Carolina 14,333,12925.28 25.28 25.62 25.62 1,444,229 1,264,965 1,148,733 1,294,974North Dakota 1,324,20228.01 28.01 10.53 10.53 -1,128 11,746 26,291 50,154Northern Mariana Islands 7,68651.68 55.34 47.17 50.61 13,714,790 11,750,022 15,508,078 16,376,583Ohio 12,480,825



CREDIT A&HBY STATE


5-yr Loss Ratio at


3-yrAggregatedLoss Ratio2015 - 2013

3-yr LossRatio at


Annual Incurred Claims (Losses)

Business Written in the State of 2015 2014 2013 2012 2011

24.72 24.00 22.86 22.44 1,987,574 1,798,547 3,102,829 2,332,819Oklahoma 1,809,92244.24 46.57 41.95 44.33 3,356,814 2,725,980 3,598,757 4,822,506Oregon 2,568,74766.48 69.17 65.23 67.21 20,260,909 27,672,331 29,224,456 33,266,405Pennsylvania 21,926,05034.34 33.56 20.92 20.14 1,172,454 2,421,099 3,197,849 5,930,880Puerto Rico 1,269,89755.72 58.49 54.62 63.58 534,602 394,038 584,325 873,498Rhode Island 489,49243.29 43.18 41.47 40.91 10,732,446 11,483,134 12,502,165 13,207,211South Carolina 11,298,41724.47 23.44 23.53 21.80 1,197,082 1,321,089 1,475,931 1,449,377South Dakota 1,247,84336.59 33.30 33.68 29.29 8,082,298 8,687,141 10,975,252 11,854,502Tennessee 9,038,43428.03 32.04 24.97 28.66 29,915,850 32,174,487 38,658,997 41,409,479Texas 31,833,72814.49 15.16 11.35 11.54 32,296 146,081 208,494 70,959US Virgin Islands -4,03129.27 23.94 27.88 23.71 2,747,872 2,314,170 2,717,161 2,797,578Utah 2,711,82668.92 58.96 71.30 59.66 1,355,490 1,515,203 1,530,647 1,386,778Vermont 1,031,74053.98 58.52 51.31 53.46 11,253,746 11,705,071 12,557,848 11,800,177Virginia 11,233,27539.38 41.03 38.76 41.18 1,715,733 2,705,686 2,509,765 3,202,347Washington 2,219,34757.30 70.93 53.21 65.04 3,234,360 2,774,511 3,498,443 3,596,262West Virginia 2,455,69748.63 50.93 46.33 47.77 7,633,697 8,505,048 10,035,970 10,745,929Wisconsin 6,718,22541.35 41.09 38.60 38.51 612,018 820,090 1,321,937 1,010,848Wyoming 554,620

Total 306,676,877 319,516,350 369,683,004 393,146,30737.79 37.14 35.16 34.35 292,953,399



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 2015 20152014 20142013 20132012 20122011 2011

40.17 21.99 48.85 39.88 42.19 38.21 20.97 46.98 38.66 41.12Alabama-4.71 31.82 22.70 23.99 24.84 -4.70 31.79 22.65 23.98 24.88Alaska

NR -83.33 17.24 0.00 0.00 NR -83.33 17.24 0.00 0.00American Samoa23.05 29.85 32.89 27.08 42.52 24.47 31.71 34.08 25.66 42.57Arizona35.97 26.27 28.12 41.95 19.35 37.45 26.92 28.61 42.96 28.13Arkansas36.42 49.73 33.75 40.71 43.48 24.87 37.78 26.61 32.39 34.28California34.80 24.28 27.35 34.22 32.41 32.78 23.00 25.50 29.23 29.82Colorado37.10 39.91 32.16 38.79 44.39 30.42 41.00 33.28 40.16 45.25Connecticut26.82 29.63 28.02 32.41 48.66 23.78 27.96 26.69 31.50 47.97Delaware46.39 35.70 32.83 34.08 41.64 51.47 39.22 34.91 36.17 43.94District Of Columbia27.08 30.42 29.81 37.06 33.29 25.43 28.67 28.76 36.99 33.17Florida15.97 19.81 19.51 22.46 22.91 15.87 19.70 19.39 22.33 22.62Georgia-0.16 -3.52 -10.24 90.15 23.42 -0.16 -3.52 -10.24 90.14 23.42Guam39.79 36.17 39.62 41.42 36.96 42.41 38.67 41.85 43.67 39.39Hawaii25.77 18.81 34.89 43.20 30.19 25.04 18.24 34.04 41.34 29.57Idaho32.50 33.65 34.07 37.32 33.71 32.69 33.26 34.05 37.43 33.87Illinois46.87 45.68 44.36 48.89 61.89 50.78 49.57 47.72 52.23 64.05Indiana29.10 37.07 27.66 36.94 35.82 29.83 37.09 27.63 36.86 35.77Iowa27.99 24.03 29.39 30.62 32.47 24.10 20.94 27.70 29.58 31.43Kansas33.72 35.14 31.13 38.86 41.78 31.01 33.40 30.17 37.72 40.84Kentucky28.27 28.79 28.10 32.65 32.67 29.79 31.34 31.65 36.09 35.96Louisiana72.63 65.93 68.63 73.15 71.22 62.72 58.64 60.80 65.83 64.02Maine44.18 46.47 50.17 53.20 53.98 28.35 31.76 36.01 38.51 37.37Maryland39.70 38.04 38.50 42.74 40.62 35.55 34.62 35.16 38.83 36.89Massachusetts37.15 44.40 43.50 49.36 55.01 35.91 44.82 45.62 52.93 58.74Michigan36.55 29.59 47.66 44.03 37.62 38.33 31.79 51.23 46.50 39.81Minnesota27.73 26.80 28.92 30.49 34.62 25.45 24.83 27.20 28.69 32.22Mississippi28.06 25.78 29.70 36.34 33.26 27.86 26.24 30.14 37.10 34.08Missouri31.60 25.75 21.21 36.02 30.84 30.58 25.34 22.49 40.39 34.34Montana24.37 29.52 31.37 36.55 34.01 23.86 29.50 31.38 36.55 33.99Nebraska9.89 34.97 49.48 24.95 13.77 10.48 36.45 51.51 25.11 13.92Nevada

19.43 25.11 26.10 23.51 27.30 15.68 20.03 20.77 18.74 22.13New Hampshire53.82 58.98 47.40 62.83 59.04 50.77 62.06 54.16 71.20 64.40New Jersey38.39 48.72 44.39 58.77 51.04 40.79 51.34 46.07 54.91 53.41New Mexico38.94 52.23 54.44 52.77 54.52 27.13 36.81 38.63 37.82 38.30New York35.69 39.77 35.79 43.88 43.56 35.31 39.35 35.64 43.71 43.24North Carolina24.72 27.22 24.90 22.81 26.74 24.73 27.21 24.90 22.81 26.76North Dakota11.42 -1.91 24.85 45.30 47.14 11.42 -1.91 24.85 45.30 47.14Northern Mariana Islands45.89 50.78 44.78 57.67 58.95 47.98 55.74 48.23 61.66 62.87Ohio



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


24.33 24.71 19.98 32.75 21.87 24.08 24.33 19.44 31.77 20.74Oklahoma41.12 47.75 37.10 42.93 50.33 43.31 50.61 39.21 44.80 52.92Oregon69.55 55.92 70.34 67.09 68.68 67.25 59.02 74.79 70.69 72.22Pennsylvania17.41 15.03 29.68 34.12 73.05 15.87 14.69 29.63 33.90 73.20Puerto Rico62.90 71.07 36.97 48.06 64.72 82.03 97.68 36.27 46.47 61.12Rhode Island45.11 38.14 41.57 46.35 45.50 46.16 36.44 41.03 46.01 47.08South Carolina24.32 22.43 23.87 26.02 25.55 22.41 20.79 22.21 26.15 25.72South Dakota35.56 31.82 33.67 40.20 40.89 26.69 29.86 31.97 39.03 39.73Tennessee25.06 23.48 26.45 32.17 33.26 28.91 26.89 30.26 36.72 37.61Texas-0.95 6.18 24.72 30.27 7.81 -0.98 6.25 25.16 32.09 8.52US Virgin Islands26.12 30.92 26.87 32.52 30.53 19.84 28.42 24.47 22.24 26.63Utah63.15 68.18 81.86 76.82 57.09 51.57 57.46 69.47 66.66 50.81Vermont47.90 50.23 56.34 61.07 55.50 51.03 53.18 56.33 68.66 66.24Virginia41.13 29.87 45.15 37.84 42.11 43.60 32.14 47.48 38.66 42.76Washington46.04 62.01 51.80 62.52 63.62 56.72 75.39 63.14 78.33 80.73West Virginia43.07 46.19 49.40 52.97 50.08 46.71 44.88 51.69 56.21 53.77Wisconsin38.68 36.83 39.99 53.44 35.76 38.55 36.74 39.91 52.99 35.37Wyoming

Total 33.84 34.93 36.72 41.24 41.79 32.52 34.24 41.5340.8136.32



EARNED PREMIUMS






Business Type

Earned Premiums $

2015 2014 2013 2012 2011

62626 CMFG Life Ins Co IA L 342,770,878 337,403,773 327,395,616 326,957,592 328,326,39860518 American Hlth & Life Ins Co TX L 67,266,725 67,831,710 66,492,150 66,473,891 69,323,06197691 Life Of The South Ins Co GA L 65,977,846 50,544,571 42,986,998 39,164,538 36,508,13766168 Minnesota Life Ins Co MN L 56,246,052 52,706,974 51,850,926 51,854,042 55,240,69165951 Merit Life Ins Co IN L 43,413,176 39,500,445 32,387,064 27,353,214 25,555,93761751 Central States H & L Co Of Omaha NE L 41,257,211 41,790,257 41,468,136 40,611,183 39,682,39486231 Transamerica Life Ins Co IA L 33,377,714 33,426,147 33,465,398 32,711,031 26,327,28760275 American Bankers Life Assur Co Of FL FL L 32,072,329 49,414,324 56,162,272 60,041,598 63,795,40660739 American Natl Ins Co TX L 23,073,031 23,295,010 23,171,053 24,522,288 28,357,48397152 Plateau Ins Co TN L 15,114,056 12,768,520 10,339,829 8,468,926 7,735,67268136 Protective Life Ins Co TN L 13,792,578 14,811,010 15,272,373 16,708,087 20,220,21710111 American Bankers Ins Co Of FL FL P 13,399,144 13,501,254 14,242,353 16,686,287 18,708,11725178 State Farm Mut Auto Ins Co IL P 10,521,734 10,869,084 10,107,140 9,222,498 9,385,43766281 Transamerica Premier Life Ins Co IA L 9,705,178 8,107,669 10,447,896 10,851,007 11,872,87861298 Bankers Life Of LA LA L 8,474,698 7,643,258 7,298,806 6,824,365 5,958,26867628 Pekin Life Ins Co IL L 7,628,428 6,989,591 5,984,750 5,127,846 4,819,20293777 Pavonia Life Ins Co of MI MI L 7,291,077 10,003,728 14,147,055 22,284,959 29,884,19598736 American Federated Life Ins Co MS L 7,018,822 6,947,807 6,721,084 6,429,533 5,915,48273156 Caribbean Amer Life Assur Co PR L 6,395,019 6,807,855 7,192,781 7,568,339 8,351,09465811 American Modern Life Ins Co OH L 5,844,849 7,182,986 8,480,021 10,956,243 12,371,30634274 Central States Ind Co Of Omaha NE P 5,451,911 6,117,417 6,783,150 8,521,006 9,507,03165480 Old Spartan Life Ins Co Inc SC L 4,854,104 5,819,073 7,039,802 6,524,737 5,861,91960242 Southern Financial Life Ins Co KY L 4,840,698 4,144,988 4,094,563 4,037,708 3,945,16976007 Old United Life Ins Co AZ L 4,826,579 4,733,983 4,641,230 4,635,105 4,911,21793742 Securian Life Ins Co MN L 4,206,231 4,953,600 3,013,336 1,994,817 1,998,59164904 Investors Heritage Life Ins Co KY L 3,273,897 3,411,791 3,555,533 3,592,116 2,756,60071455 Financial Amer Life Ins Co KS L 2,983,046 4,941,349 7,918,503 8,849,522 10,067,93664211 Guarantee Trust Life Ins Co IL L 2,675,253 4,110,332 5,840,184 7,934,227 8,804,63270688 Transamerica Financial Life Ins Co NY L 2,149,694 5,912,288 6,132,570 6,118,035 6,160,71260836 American Republic Ins Co IA L 2,140,282 2,608,907 2,787,952 3,231,611 3,755,06899538 SWBC Life Ins Co TX L 1,886,517 1,161,327 1,018,276 809,019 568,01881779 Individual Assur Co Life Hlth & Acc OK L 1,700,116 3,094,816 4,159,642 4,607,511 4,779,63370548 Wichita Natl Life Ins Co OK L 1,085,096 1,131,893 1,178,411 1,226,148 1,238,36777976 Gulf Guar Life Ins Co MS L 971,379 1,028,921 1,092,514 1,126,518 1,339,22680020 Mountain Life Ins Co TN L 919,939 972,199 1,071,741 1,167,936 1,247,18360244 Kentucky Home Life Ins Co KY L 910,461 960,888 1,140,972 1,474,395 1,740,76881477 Union Security Life Ins Co of NY NY L 867,334 938,499 1,302,549 1,593,867 2,322,16162650 Delta Life Ins Co GA L 855,853 884,749 889,888 1,044,455 1,222,563





Business Type

Earned Premiums $

2015 2014 2013 2012 2011

74365 Southern Pioneer Life Ins Co AR L 807,363 830,408 1,055,891 1,706,474 3,154,86074233 First Natl Life Ins Co Of USA NE L 788,016 827,603 913,351 988,526 992,47285677 Life Assur Co Inc OK L 737,523 807,405 882,448 923,471 993,50160534 American Heritage Life Ins Co FL L 716,928 5,257,581 -671,433 539,860 7,336,42571323 Zale Life Ins Co AZ L 716,183 780,300 792,477 755,339 729,79071463 CICA Life Ins Co of Amer CO L 678,815 676,617 707,191 672,113 630,44492274 Landcar Life Ins Co UT L 653,274 1,029,575 1,520,438 1,406,457 1,264,11560041 UNIVERSAL LIFE INS CO PR L 612,180 865,465 607,298 487,691 030325 Zale Ind Co TX P 445,871 477,933 466,764 462,592 436,84688536 Protective Life & Annuity Ins Co AL L 365,091 446,837 496,589 585,364 714,08177690 Trans City Life Ins Co AZ L 343,904 490,126 445,003 504,944 580,30777054 MAPFRE Life Ins Co of PR PR L 338,771 94,057 91,694 123,637 169,18510952 Transamerica Cas Ins Co OH P 334,490 355,435 405,628 478,637 562,19474470 Great Central Life Ins Co LA L 325,130 364,384 391,787 361,091 359,62961409 National Benefit Life Ins Co NY L 245,711 592,578 985,758 1,465,560 1,252,91479340 Pavonia Life Ins Co NY NY L 229,647 212,969 449,427 956,339 1,484,29983992 Foundation Life Ins Co Of AR AR L 225,992 223,585 165,578 174,802 322,88479715 Cooperativa De Seguros De Vida PR L 214,748 328,889 520,545 1,602,235 152,50793650 Versant Life Ins Co MS L 202,349 503,312 159,065 220,322 300,02762383 Centurion Life Ins Co IA L 196,643 266,730 440,832 780,728 1,281,25042978 American Security Ins Co DE P 172,000 202,798 329,883 0 042986 Standard Guar Ins Co DE P 143,863 200,509 255,063 0 086118 Arkansas Bankers Life Ins Co AR L 128,248 157,646 391,676 208,409 145,87660895 American United Life Ins Co IN L 125,431 212,288 374,643 544,790 1,050,83341211 Triton Ins Co TX P 115,944 317,499 440,610 413,968 444,54275094 Life Ins Co Of LA LA L 111,009 119,623 115,602 95,143 95,28372087 Multinational Life Ins Co PR L 97,327 118,533 154,516 0 065560 Life Protection Ins Co TX L 90,056 347,249 446,829 560,130 1,001,07577151 Service Life & Cas Ins Co TX L 82,527 461,461 1,716,344 3,553,236 6,041,62370106 United States Life Ins Co in the Cit NY L 45,547 82,552 148,220 322,166 484,74311162 Insurance Co of the South GA P 35,753 88,810 109,522 129,040 151,48992649 American Underwriters Life Ins Co AZ L 34,604 49,487 0 0 137,86494447 Century Life Ass Co OK L 25,319 53,204 111,758 202,815 328,41699465 Servco Life Ins Co TX L 25,285 176,255 590,671 1,260,703 2,126,49298868 Sheridan Life Ins Co OK L 19,240 23,354 23,086 28,833 24,57793815 Pacific Century Life Ins Corp AZ L 5,873 6,412 6,629 7,167 8,42665757 Shelter Life Ins Co MO L 5,348 10,233 29,072 51,146 -10,38970435 The Savings Bank Life Ins Co Of MA MA L 2,587 3,216 7,014 11,045 14,797





Business Type

Earned Premiums $

2015 2014 2013 2012 2011

93521 General Fidelity Life Ins Co SC L 2,251 11,293 30,448 71,828 176,21069477 Time Ins Co WI L 1,450 1,240 2,101 2,519 3,12889087 Enterprise Life Ins Co TX L 1,239 67,520 438,151 1,246,385 2,549,49366087 Mid West Natl Life Ins Co Of TN TX L 1,036 2,191 1,912 8,480 26,37779049 Alfa Life Ins Corp AL L 904 1,613 2,857 5,038 7,55262596 Union Fidelity Life Ins Co KS L 764 3,869 12,673 8,048 34,29687645 United Fidelity Life Ins Co TX L 522 1,479 4,624 7,194 11,43068349 North Amer Ins Co WI L 493 -244 4,671 15,894 34,22685090 Dearborn Natl Life Ins Co of NY NY L 130 194 -487 -2,618 2,57469663 USAA Life Ins Co TX L 77 121 -2,557 0 067261 Old Republic Life Ins Co IL L 33 1,651 25,410 94,464 251,76010097 Balboa Life Ins Co Of NY NY L 0 0 0 0 -32,12619232 Allstate Ins Co IL P 0 0 0 0 021075 Financial Amer Prop & Cas Ins Co TX P 0 0 0 81 1,24624813 Balboa Ins Co CA P 0 0 0 0 032077 Heritage Cas Ins Co KS P 0 0 0 0 060054 Aetna Life Ins Co CT L 0 0 0 0 060186 Allstate Life Ins Co IL L 0 0 0 0 061018 Magna Ins Co MS L 0 0 0 0 715,94961158 TRIPLE S BLUE PR L 0 0 16 16 061212 Baltimore Life Ins Co MD L 0 0 0 -101 061824 Cherokee Natl Life Ins Co GA L 0 0 1,873,077 2,206,539 2,803,46963088 Farm Bureau Life Ins Co IA L 0 0 0 0 064394 Heritage Life Ins Co AZ L 0 0 0 0 065021 Stonebridge Life Ins Co VT L 0 485,940 613,117 1,979,452 2,367,91165536 Genworth Life & Ann Ins Co VA L 0 0 0 0 065676 Lincoln Natl Life Ins Co IN L 0 0 0 102 32765781 Madison Natl Life Ins Co Inc WI L 0 0 0 0 065838 John Hancock Life Ins Co USA MI L 0 0 0 0 065978 Metropolitan Life Ins Co NY L 0 0 0 7,717 15,20168020 Mcdonald Life Ins Co TX L 0 0 0 0 068160 Balboa Life Ins Co CA L 0 0 0 1,192 56,00368241 Prudential Ins Co Of Amer NJ L 0 0 0 0 2,36468373 American Gen Assur Co IL L 0 0 0 0 5,612,98369523 Trans Oceanic Life Ins Co PR L 0 0 0 3,293 2,52769973 United Life Ins Co IA L 0 104 2,195 8,326 17,54170173 Universal Underwriters Life Ins Co KS L 0 -3,309 13,333 160,248 931,39771099 Parker Centennial Assur Co WI L 0 0 0 0 -96,110





Business Type

Earned Premiums $

2015 2014 2013 2012 2011

72613 USAA Direct Life Ins Co NE L 0 0 0 279 44076112 Oxford Life Ins Co AZ L 0 -87 -203 388 3,23778301 Corvesta Life Ins Co AZ L 0 0 0 0 081043 Bankers Life Ins Co FL L 0 0 0 68 54588080 XL Life Ins & Ann Co IL L 0 0 -2,225 -350 -25988374 Commonwealth Dealers Life Ins Co VA L 0 222 1,483 22,687 72,22689958 Shelterpoint Ins Co FL L 0 0 12,493 456,616 1,916,87690867 Century Credit Life Ins Co MS L 0 0 0 0 094439 American Creditors Life Ins Co DE L 0 0 0 0 094579 First Assur Life Of Amer LA L 0 0 0 4,041,247 4,628,27097055 Mega Life & Hlth Ins Co The OK L 0 0 2,783 7,237 18,35375612 Gulf States Life Ins Co LA L -33 8,120 107,102 257,865 259,44268632 Vantis Life Ins Co CT L -107 -583 14,694 11,695 16,73461506 Resource Life Ins Co IL L -31,913 -21,143 193,843 1,081,445 3,052,19460488 American Gen Life Ins Co TX L -1,884,421 938,062 1,439,520 2,771,826 0

129 COMPANIES IN REPORT - COUNTRYWIDE 878,034,164 870,143,016 896,366,074 940,792,619865,775,951





Business Type

Earned Premiums at Prima Facie Rates $

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

2015 20152014 20142013 20132012 20122011 2011

62626 CMFG Life Ins Co IA L -0.68-1.25-2.64-5.06-9.44378,492,695 355,369,764 336,269,837 331,092,251 330,590,62197691 Life Of The South Ins Co GA L -0.53-0.20-0.26-0.61-0.6266,386,974 50,856,850 43,097,702 39,241,704 36,702,02860518 American Hlth & Life Ins Co TX L 1.782.333.285.076.2463,318,544 64,561,330 64,379,061 64,963,364 68,111,60266168 Minnesota Life Ins Co MN L -4.08-4.34-4.53-5.00-5.3259,406,561 55,482,891 54,313,374 54,205,069 57,591,95065951 Merit Life Ins Co IN L 3.513.693.073.694.8241,415,199 38,093,238 31,422,983 26,378,712 24,689,09061751 Central States H & L Co Of Omaha NE L 3.644.545.106.367.7438,294,817 39,292,327 39,456,846 38,846,089 38,290,35460275 American Bankers Life Assur Co Of FL FL L -2.90-3.29-3.12-3.42-4.9633,744,465 51,162,732 57,971,090 62,084,130 65,702,97986231 Transamerica Life Ins Co IA L 7.037.957.246.835.2231,722,372 31,289,020 31,206,343 30,303,226 24,599,14560739 American Natl Ins Co TX L -1.140.620.40-3.122.0922,599,748 24,046,387 23,079,817 24,371,766 28,685,49597152 Plateau Ins Co TN L 0.000.310.000.120.5115,036,689 12,752,833 10,339,834 8,442,450 7,735,67210111 American Bankers Ins Co Of FL FL P -4.200.000.000.000.0013,399,146 13,501,253 14,242,354 16,686,287 19,528,52268136 Protective Life Ins Co TN L 9.547.537.227.849.0712,645,935 13,733,634 14,244,020 15,538,576 18,459,79366281 Transamerica Premier Life Ins Co IA L -11.35-14.25-18.85-21.44-21.9812,439,794 10,320,407 12,875,536 12,654,675 13,393,30925178 State Farm Mut Auto Ins Co IL P 0.370.470.400.970.6510,453,505 10,764,781 10,067,150 9,179,521 9,350,97061298 Bankers Life Of LA LA L 0.000.000.000.000.008,474,698 7,643,258 7,298,806 6,824,365 5,958,26867628 Pekin Life Ins Co IL L -0.14-0.23-0.20-0.200.667,578,047 7,003,644 5,996,515 5,139,825 4,826,00693777 Pavonia Life Ins Co of MI MI L -0.86-0.69-0.82-5.07-1.467,399,105 10,538,392 14,264,064 22,439,284 30,142,53298736 American Federated Life Ins Co MS L 0.000.000.000.000.007,018,822 6,947,807 6,721,084 6,429,533 5,915,48234274 Central States Ind Co Of Omaha NE P -10.86-10.79-15.53-15.62-16.916,561,394 7,249,827 8,030,683 9,551,773 10,665,37973156 Caribbean Amer Life Assur Co PR L 0.000.000.000.000.006,395,019 6,807,855 7,192,781 7,568,339 8,351,09465811 American Modern Life Ins Co OH L -2.305.974.975.345.755,527,143 6,818,862 8,078,287 10,339,341 12,662,69393742 Securian Life Ins Co MN L -24.28-25.50-19.87-13.85-19.015,193,705 5,750,247 3,760,580 2,677,601 2,639,53265480 Old Spartan Life Ins Co Inc SC L 0.000.000.000.000.004,854,104 5,819,073 7,039,802 6,524,737 5,861,91960242 Southern Financial Life Ins Co KY L 0.000.000.000.000.004,840,698 4,144,988 4,094,563 4,037,708 3,945,16976007 Old United Life Ins Co AZ L 9.579.619.689.158.614,443,836 4,336,945 4,231,712 4,228,600 4,482,09764904 Investors Heritage Life Ins Co KY L 0.000.000.000.000.003,273,897 3,411,793 3,555,535 3,592,116 2,756,60071455 Financial Amer Life Ins Co KS L 5.435.125.225.847.482,775,343 4,668,607 7,525,831 8,418,176 9,549,34664211 Guarantee Trust Life Ins Co IL L -2.280.010.000.00-0.012,675,648 4,110,333 5,840,184 7,933,311 9,009,89460836 American Republic Ins Co IA L -0.100.09-0.340.081.572,107,256 2,606,752 2,797,375 3,228,614 3,758,78181477 Union Security Life Ins Co of NY NY L -44.83-46.19-47.62-48.94-49.301,710,641 1,838,113 2,486,622 2,962,207 4,208,77281779 Individual Assur Co Life Hlth & Acc OK L -0.26-0.29-0.13-0.14-0.181,703,192 3,099,058 4,164,851 4,620,819 4,792,01170688 Transamerica Financial Life Ins Co NY L -27.93-16.13-15.89-16.6527.241,689,488 7,093,506 7,291,187 7,295,030 8,547,90499538 SWBC Life Ins Co TX L 29.8830.0028.3426.1122.361,541,780 920,903 793,434 622,325 437,34370548 Wichita Natl Life Ins Co OK L 0.00-2.150.000.000.001,085,096 1,131,893 1,178,411 1,253,148 1,238,36777054 MAPFRE Life Ins Co of PR PR L 118.0454.39-4.96-65.17-67.301,035,905 270,075 96,476 80,080 77,59377976 Gulf Guar Life Ins Co MS L 0.000.000.000.00-0.92980,366 1,028,921 1,092,514 1,126,518 1,339,22680020 Mountain Life Ins Co TN L 0.000.000.000.000.00919,939 972,199 1,071,741 1,167,936 1,247,18360244 Kentucky Home Life Ins Co KY L -0.170.000.000.080.00910,461 960,114 1,140,972 1,474,395 1,743,76862650 Delta Life Ins Co GA L 0.000.000.000.000.00855,853 884,749 889,888 1,044,455 1,222,56374365 Southern Pioneer Life Ins Co AR L 123.390.000.000.000.00807,363 830,408 1,055,891 1,706,475 1,412,24874233 First Natl Life Ins Co Of USA NE L 0.000.000.000.000.00788,016 827,603 913,351 988,526 992,472





Business Type



2015 20152014 20142013 20132012 20122011 2011

85677 Life Assur Co Inc OK L 0.000.000.000.000.00737,523 807,405 882,448 923,471 993,50160534 American Heritage Life Ins Co FL L 0.290.17-0.40-0.130.01716,845 5,264,436 -668,787 538,925 7,314,96971323 Zale Life Ins Co AZ L 0.000.000.000.000.00716,183 780,300 792,477 755,339 729,79071463 CICA Life Ins Co of Amer CO L 0.000.000.000.000.00678,815 676,617 707,191 672,113 630,44460041 UNIVERSAL LIFE INS CO PR L NR0.000.000.000.00612,180 865,465 607,298 487,691 088536 Protective Life & Annuity Ins Co AL L 0.000.00-0.34-10.42-20.97461,981 498,806 498,259 585,364 714,08130325 Zale Ind Co TX P 0.000.000.000.000.00445,871 477,933 466,764 462,592 436,84610952 Transamerica Cas Ins Co OH P -9.50-9.55-9.70-9.49-10.12372,159 392,711 449,184 529,153 621,22677690 Trans City Life Ins Co AZ L 0.000.000.000.000.00343,904 490,126 445,003 504,944 580,30774470 Great Central Life Ins Co LA L 0.000.000.000.000.00325,130 364,384 391,787 361,091 359,62979340 Pavonia Life Ins Co NY NY L -16.45-16.96-25.82-24.93-28.05319,171 283,681 605,838 1,151,686 1,776,62460488 American Gen Life Ins Co TX L NR0.910.740.68-807.41266,384 931,752 1,428,876 2,746,956 083992 Foundation Life Ins Co Of AR AR L 0.000.000.000.000.00225,992 223,585 165,578 174,802 322,88461409 National Benefit Life Ins Co NY L 10.581.328.5917.0411.03221,302 506,323 907,806 1,446,519 1,133,02279715 Cooperativa De Seguros De Vida PR L 0.000.000.000.000.00214,748 328,889 520,545 1,602,235 152,50793650 Versant Life Ins Co MS L 0.000.000.000.000.00202,349 503,312 159,065 220,322 300,02762383 Centurion Life Ins Co IA L -2.74-1.99-0.68-0.140.00196,640 267,093 443,860 796,548 1,317,33242978 American Security Ins Co DE P NRNR0.000.000.00172,000 202,798 329,883 0 042986 Standard Guar Ins Co DE P NRNR0.000.000.00143,863 200,509 255,063 0 060895 American United Life Ins Co IN L -10.05-14.10-14.12-13.22-9.98139,332 244,640 436,236 634,182 1,168,24786118 Arkansas Bankers Life Ins Co AR L 0.000.000.000.000.00128,248 157,646 391,676 208,409 145,87641211 Triton Ins Co TX P 0.000.000.000.000.00115,944 317,499 440,610 413,968 444,54275094 Life Ins Co Of LA LA L 0.000.000.000.000.00111,009 119,623 115,602 95,143 95,28370106 United States Life Ins Co in the Cit NY L -33.16-19.00-20.77-24.27-57.07106,101 109,005 187,070 397,731 725,27772087 Multinational Life Ins Co PR L NRNR0.000.000.0097,327 118,533 154,516 0 065560 Life Protection Ins Co TX L 24.6924.8625.3925.0524.2472,488 277,698 356,340 448,623 802,82377151 Service Life & Cas Ins Co TX L 23.2023.2223.2423.1523.5966,776 374,709 1,392,656 2,883,588 4,903,72611162 Insurance Co of the South GA P 0.000.000.000.000.0035,753 88,810 109,522 129,040 151,48992649 American Underwriters Life Ins Co AZ L 0.00NRNR0.000.0034,604 49,487 0 0 137,86494447 Century Life Ass Co OK L 0.000.000.00-0.110.0025,319 53,263 111,758 202,815 328,41699465 Servco Life Ins Co TX L 0.000.000.000.00-0.0425,295 176,254 590,673 1,260,701 2,126,49398868 Sheridan Life Ins Co OK L 0.000.000.000.000.0019,240 23,354 23,086 28,833 24,57793815 Pacific Century Life Ins Corp AZ L 0.000.000.000.000.005,873 6,412 6,629 7,167 8,42665757 Shelter Life Ins Co MO L -115.850.020.000.000.005,348 10,233 29,072 51,136 65,55170435 The Savings Bank Life Ins Co Of MA MA L -19.15-19.16-19.15-19.16-19.163,200 3,978 8,675 13,662 18,30293521 General Fidelity Life Ins Co SC L 1.200.000.00-0.010.002,251 11,294 30,448 71,828 174,12079049 Alfa Life Ins Corp AL L -44.86-38.55-44.51-49.11-49.511,791 3,169 5,149 8,198 13,69769477 Time Ins Co WI L 0.000.000.000.000.001,450 1,240 2,101 2,519 3,12889087 Enterprise Life Ins Co TX L 0.000.000.000.000.161,237 67,520 438,151 1,246,385 2,549,49366087 Mid West Natl Life Ins Co Of TN TX L 0.000.000.000.000.001,036 2,191 1,912 8,480 26,37762596 Union Fidelity Life Ins Co KS L 0.000.000.000.000.00764 3,869 12,673 8,048 34,296





Business Type



2015 20152014 20142013 20132012 20122011 2011

87645 United Fidelity Life Ins Co TX L 0.000.000.000.000.00522 1,479 4,624 7,194 11,43068349 North Amer Ins Co WI L 1.550.040.000.180.00493 -244 4,671 15,888 33,70585090 Dearborn Natl Life Ins Co of NY NY L 26.92-29.0914.5642.6541.3092 136 -570 -2,028 2,02869663 USAA Life Ins Co TX L NRNR1.733.420.0077 117 -2,602 0 067261 Old Republic Life Ins Co IL L 0.000.000.000.000.0033 1,651 25,410 94,464 251,76061212 Baltimore Life Ins Co MD L NR0.00NRNRNR0 0 0 -101 061158 TRIPLE S BLUE PR L NR0.000.00NRNR0 0 16 16 061018 Magna Ins Co MS L 0.00NRNRNRNR0 0 0 0 715,94819232 Allstate Ins Co IL P NRNRNRNRNR0 0 0 0 021075 Financial Amer Prop & Cas Ins Co TX P 0.000.00NRNRNR0 0 0 81 1,24660186 Allstate Life Ins Co IL L NRNRNRNRNR0 0 0 0 060054 Aetna Life Ins Co CT L NRNRNRNRNR0 0 0 0 032077 Heritage Cas Ins Co KS P NRNRNRNRNR0 0 0 0 024813 Balboa Ins Co CA P NRNRNRNRNR0 0 0 0 069523 Trans Oceanic Life Ins Co PR L 0.00-95.06NRNRNR0 0 0 66,676 2,52797055 Mega Life & Hlth Ins Co The OK L 0.000.000.00NRNR0 0 2,783 7,237 18,35394579 First Assur Life Of Amer LA L 0.000.00NRNRNR0 0 0 4,041,247 4,628,26994439 American Creditors Life Ins Co DE L NRNRNRNRNR0 0 0 0 090867 Century Credit Life Ins Co MS L NRNRNRNRNR0 0 0 0 089958 Shelterpoint Ins Co FL L -10.18-0.06-1.61NRNR0 0 12,697 456,893 2,134,24488374 Commonwealth Dealers Life Ins Co VA L 0.250.260.201.83NR0 218 1,480 22,629 72,04888080 XL Life Ins & Ann Co IL L 8.16-30.110.00NRNR0 0 -2,225 -269 -28281043 Bankers Life Ins Co FL L 0.000.01NRNRNR0 0 0 67 54578301 Corvesta Life Ins Co AZ L NRNRNRNRNR0 0 0 0 076112 Oxford Life Ins Co AZ L 0.000.000.000.00NR0 -87 -203 388 3,23772613 USAA Direct Life Ins Co NE L 5.015.28NRNRNR0 0 0 265 41971099 Parker Centennial Assur Co WI L -52.95NRNRNRNR0 0 0 0 -62,83869973 United Life Ins Co IA L 0.140.040.000.00NR0 104 2,195 8,323 17,51761824 Cherokee Natl Life Ins Co GA L 0.000.000.00NRNR0 0 1,873,077 2,206,539 2,803,46965838 John Hancock Life Ins Co USA MI L NRNRNRNRNR0 0 0 0 063088 Farm Bureau Life Ins Co IA L NRNRNRNRNR0 0 0 0 064394 Heritage Life Ins Co AZ L NRNRNRNRNR0 0 0 0 065021 Stonebridge Life Ins Co VT L -4.81-11.63-10.96-12.03NR0 552,394 688,582 2,239,833 2,487,61565536 Genworth Life & Ann Ins Co VA L NRNRNRNRNR0 0 0 0 070173 Universal Underwriters Life Ins Co KS L 0.19-0.921.03-1.07NR0 -3,274 13,197 161,734 929,59565781 Madison Natl Life Ins Co Inc WI L NRNRNRNRNR0 0 0 0 068373 American Gen Assur Co IL L 2.08NRNRNRNR0 0 0 0 5,498,63665978 Metropolitan Life Ins Co NY L 0.000.00NRNRNR0 0 0 7,717 15,20168020 Mcdonald Life Ins Co TX L NRNRNRNRNR0 0 0 0 068160 Balboa Life Ins Co CA L 26.740.00NRNRNR0 0 0 1,192 44,18768241 Prudential Ins Co Of Amer NJ L 0.04NRNRNRNR0 0 0 0 2,363





Business Type



2015 20152014 20142013 20132012 20122011 2011

10097 Balboa Life Ins Co Of NY NY L 49.43NRNRNRNR0 0 0 0 -63,52365676 Lincoln Natl Life Ins Co IN L 15.1413.33NRNRNR0 0 0 90 28475612 Gulf States Life Ins Co LA L 0.000.000.000.000.00-33 8,120 107,102 257,865 259,44168632 Vantis Life Ins Co CT L 0.000.000.000.000.00-107 -583 14,694 11,695 16,73461506 Resource Life Ins Co IL L 7.877.066.59-23.290.00-31,912 -17,149 181,860 1,010,171 2,829,62492274 Landcar Life Ins Co UT L -19.43-76.6162.42544.93865.03-85,392 -231,403 936,112 6,012,946 1,568,968

129 COMPANIES IN REPORT - COUNTRYWIDE 895,541,402 879,664,680 905,972,018 946,769,714 -3.88 -0.63-1.06-1.08-1.95900,760,458



EARNED PREMIUMS



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

CREDIT A&HBY STATE


Earned Premiums $Business Written in the

State Of 2015 20152014 20142013 20132012 20122011 2011

Alabama 30 30 31 34 18,747,164 18,464,909 18,032,852 18,209,30227 19,561,389Alaska 17 19 19 22 924,779 1,066,638 1,483,355 1,963,41614 718,440American Samoa 1 1 1 12 58 174 4050Arizona 28 31 33 34 3,958,440 3,950,842 4,493,706 5,446,42121 3,754,123Arkansas 25 28 32 35 3,878,779 4,433,765 4,710,742 6,003,65026 3,508,134California 17 20 19 22 13,047,092 15,487,363 18,486,592 22,428,24314 12,029,360Colorado 30 29 31 33 5,091,868 5,468,062 5,844,555 6,498,50028 4,803,359Connecticut 21 21 22 25 5,331,719 5,258,831 5,738,075 6,600,48520 5,364,453Delaware 20 24 26 27 1,514,852 1,649,084 2,031,798 2,407,73919 1,317,905District Of Columbia 11 11 13 14 2,040,700 1,987,638 2,121,674 2,220,72811 2,034,343Florida 27 29 30 36 38,169,275 37,221,809 37,880,934 41,568,30423 38,639,737Georgia 30 34 35 36 60,604,224 58,421,184 56,653,756 57,750,30429 63,267,924Guam 6 6 7 7 188,566 145,615 160,044 220,7746 231,039Hawaii 15 18 18 20 7,602,686 7,471,417 7,601,612 7,996,92913 7,662,294Idaho 24 23 26 28 6,160,799 5,785,805 5,777,567 5,774,34123 6,588,913Illinois 33 34 37 37 37,649,666 37,413,771 37,586,512 38,462,19029 35,850,818Indiana 33 34 33 40 15,709,993 15,529,392 16,101,144 17,137,39229 15,664,960Iowa 27 28 30 30 14,473,397 15,519,501 17,014,369 18,666,63024 14,368,843Kansas 32 32 34 33 13,022,397 12,663,642 13,067,058 13,127,53928 13,169,041Kentucky 23 25 27 28 24,623,629 24,105,639 23,310,497 22,243,30020 25,173,888Louisiana 34 34 37 40 35,224,693 33,517,598 36,433,980 36,408,39128 35,696,416Maine 18 18 18 22 5,644,703 5,738,008 5,935,042 6,410,29818 5,364,251Maryland 23 25 28 29 10,517,326 10,574,783 11,061,653 11,746,96024 9,992,213Massachusetts 20 22 23 26 5,364,961 6,006,124 7,013,045 7,983,00017 4,655,880Michigan 31 30 32 34 32,583,284 30,472,065 29,981,855 28,632,28327 34,489,833Minnesota 22 24 26 27 9,610,280 9,735,581 10,555,588 11,646,76919 9,166,943Mississippi 29 31 34 36 24,336,115 23,208,963 22,723,666 22,328,83227 24,060,720Missouri 37 39 39 39 14,941,604 14,794,234 15,386,932 16,142,40035 14,819,300Montana 20 20 25 27 3,000,999 3,546,117 4,114,176 4,676,67119 2,532,781Nebraska 25 26 28 31 6,521,553 7,236,077 7,779,112 8,332,62422 6,058,092Nevada 19 21 24 26 1,355,990 1,417,139 1,768,393 2,797,22217 1,378,832New Hampshire 18 21 23 23 12,379,883 10,593,304 12,158,926 10,500,70117 10,969,563New Jersey 19 19 22 24 7,930,283 9,380,226 10,362,477 11,486,75818 7,644,616New Mexico 31 33 33 34 8,174,016 7,793,791 7,583,059 8,106,79627 7,968,333New York 14 16 16 19 46,669,951 46,521,450 47,209,575 47,804,79614 44,921,778North Carolina 26 30 31 34 39,594,677 38,220,117 38,828,833 40,668,67224 40,157,346North Dakota 19 22 26 26 5,306,504 5,080,848 5,037,028 4,843,00519 5,355,763Northern Mariana Islands 3 3 3 3 59,191 47,271 58,038 106,4052 67,308Ohio 31 35 37 38 27,005,685 26,238,388 26,891,828 27,781,24429 27,199,797


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

CREDIT A&HBY STATE


Earned Premiums $Business Written in the

State Of 2015 20152014 20142013 20132012 20122011 2011

Oklahoma 29 32 35 38 8,044,076 9,000,608 9,473,036 10,665,33925 7,440,028Oregon 26 27 26 31 7,029,621 7,347,222 8,382,486 9,582,55923 6,246,469Pennsylvania 26 28 27 29 36,229,094 39,338,919 43,561,444 48,439,22225 31,527,511Puerto Rico 8 8 7 8 7,799,602 8,156,718 9,373,701 8,118,8727 7,292,996Rhode Island 16 15 18 22 752,246 1,065,741 1,215,873 1,349,60811 778,190South Carolina 26 29 30 34 28,138,168 27,620,287 26,975,116 29,024,05421 25,048,135South Dakota 22 22 25 27 5,335,838 5,535,204 5,671,728 5,673,44720 5,131,952Tennessee 33 32 35 37 25,403,044 25,803,731 27,302,232 28,990,87329 25,416,055Texas 39 42 41 43 127,390,994 121,658,416 120,182,974 124,517,57332 127,034,547US Virgin Islands 6 6 6 7 522,566 590,952 688,712 908,4165 422,124Utah 22 24 26 29 8,887,772 8,614,033 8,355,858 9,162,34123 10,380,621Vermont 16 15 16 18 1,988,196 1,850,860 1,992,563 2,429,31615 1,633,862Virginia 26 29 31 35 22,404,643 20,776,588 20,563,560 21,260,81725 23,453,885Washington 25 26 27 30 5,743,249 5,992,383 6,632,224 7,603,88721 5,396,130West Virginia 24 27 25 28 5,216,183 5,356,475 5,595,731 5,652,98923 5,334,138Wisconsin 29 34 35 36 16,525,350 17,216,874 18,944,823 21,456,16526 15,596,630Wyoming 18 21 22 26 1,661,789 2,050,958 2,473,790 2,826,72316 1,433,950Total 878,034,164 870,143,016 896,366,074 940,792,619865,775,9511,154 1,280 1,362 1,441 1,558


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 2015 20152014 20142013 20132012 20122011 2011

-4.87 -4.60 -2.52-3.07-3.84Alabama 19,651,511 19,202,490 18,604,764 18,679,88720,563,093-0.17 -0.12 0.19-0.03-0.21Alaska 925,896 1,068,857 1,483,833 1,959,619719,668

NR 0.00 0.000.000.00American Samoa 12 58 174 40506.16 6.26 0.13-5.273.63Arizona 3,725,320 3,812,552 4,743,577 5,439,3683,536,1404.12 2.48 45.342.391.73Arkansas 3,784,963 4,358,168 4,600,905 4,130,6303,369,413

-31.72 -24.02 -21.17-20.44-21.17California 17,171,247 19,646,856 23,237,424 28,450,05517,618,189-5.80 -5.28 -7.98-14.60-6.76Colorado 5,375,507 5,864,297 6,843,490 7,061,9015,099,072

-18.00 2.74 1.953.553.47Connecticut 5,189,512 5,082,286 5,541,538 6,473,9976,541,763-11.33 -5.64 -1.42-2.79-4.75Delaware 1,605,342 1,731,317 2,090,105 2,442,4931,486,28810.96 9.85 5.536.146.33District Of Columbia 1,857,762 1,869,308 1,998,952 2,104,3971,833,367-6.07 -5.78 -0.35-0.21-3.53Florida 40,509,883 38,584,347 37,959,396 41,712,85641,137,544-0.58 -0.59 -1.26-0.57-0.63Georgia 60,962,284 58,790,726 56,977,271 58,487,40663,637,7730.00 0.00 0.000.000.00Guam 188,564 145,615 160,046 220,774231,0406.57 6.92 6.565.445.64Hawaii 7,110,724 7,072,383 7,209,163 7,504,5027,190,020

-2.84 -3.03 -2.06-4.29-2.45Idaho 6,353,560 5,930,984 6,036,420 5,896,0266,781,2270.61 -1.15 0.470.29-0.05Illinois 38,089,172 37,432,852 37,476,097 38,283,59735,634,8198.33 8.52 3.496.847.57Indiana 14,476,575 14,436,895 15,070,991 16,560,10214,460,9502.52 0.03 -0.13-0.21-0.11Iowa 14,468,360 15,536,851 17,050,859 18,691,11214,015,457

-13.91 -12.85 -3.20-3.40-5.73Kansas 14,942,276 13,433,562 13,526,858 13,561,18915,295,948-8.04 -4.94 -2.24-2.93-3.09Kentucky 25,904,520 24,874,675 24,014,798 22,752,02627,374,8475.38 8.88 10.0910.5412.66Louisiana 32,350,761 29,751,863 32,959,881 33,070,51633,874,245

-13.64 -11.06 -10.10-10.01-11.41Maine 6,346,839 6,476,700 6,595,292 7,130,6886,211,566-35.83 -31.64 -30.77-27.61-28.22Maryland 15,385,924 14,732,987 15,280,949 16,967,38115,570,538-10.44 -8.98 -9.20-9.15-8.67Massachusetts 5,894,188 6,576,611 7,719,475 8,792,3115,198,450-3.35 0.93 6.787.244.89Michigan 32,282,602 29,052,817 27,958,002 26,813,91735,685,2814.88 7.45 5.835.617.49Minnesota 8,944,283 9,057,408 9,994,912 11,005,5838,740,800

-8.25 -7.36 -6.95-5.89-5.94Mississippi 26,269,991 24,675,155 24,145,096 23,997,00126,223,317-0.74 1.78 2.482.081.51Missouri 14,680,198 14,574,806 15,073,342 15,752,25514,929,592-3.23 -1.58 11.3312.136.06Montana 3,049,172 3,343,596 3,669,110 4,200,6822,617,221-2.09 -0.04 -0.070.020.05Nebraska 6,524,431 7,232,449 7,777,937 8,338,4116,187,6566.01 4.24 1.100.654.09Nevada 1,300,773 1,361,438 1,756,971 2,766,7571,300,677

-19.32 -20.23 -18.94-20.27-20.41New Hampshire 15,519,144 13,310,516 15,249,880 12,954,61913,595,997-5.67 5.23 9.0713.3114.24New Jersey 7,535,791 8,210,988 9,144,843 10,531,7288,103,7956.26 5.38 4.63-6.573.78New Mexico 7,757,056 7,509,627 8,116,177 7,748,3567,498,572

-30.31 -29.52 -29.75-28.34-29.03New York 66,219,505 65,551,739 65,876,600 68,046,26764,461,048-1.06 -1.04 -0.75-0.37-0.42North Carolina 40,012,435 38,380,171 38,973,286 40,976,46840,586,8360.01 -0.02 0.060.030.02North Dakota 5,307,684 5,080,024 5,035,470 4,839,8815,355,4580.00 0.00 0.000.000.00Northern Mariana Islands 59,191 47,271 58,038 106,40567,3084.57 9.76 6.656.937.69Ohio 24,603,813 24,364,310 25,149,705 26,049,32526,011,353


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 2015 20152014 20142013 20132012 20122011 2011

-1.03 -1.55 -5.20-3.00-2.73Oklahoma 8,170,567 9,253,080 9,766,094 11,250,4817,517,2705.32 5.99 5.154.345.68Oregon 6,632,373 6,952,010 8,033,831 9,113,0155,930,980

-3.30 5.53 5.155.366.32Pennsylvania 34,329,490 37,001,745 41,344,281 46,064,99632,604,322-8.83 -2.27 0.20-0.62-0.19Puerto Rico 7,981,079 8,171,857 9,432,525 8,102,6457,999,76830.41 37.44 -5.57-3.30-1.90Rhode Island 547,308 1,086,340 1,257,339 1,429,221596,7462.34 -4.47 3.46-0.74-1.31South Carolina 29,454,856 27,986,604 27,175,129 28,052,79224,474,668

-7.82 -7.34 0.690.49-6.93South Dakota 5,758,528 5,947,399 5,644,154 5,634,4225,567,196-24.95 -6.15 -2.84-2.91-5.03Tennessee 27,067,425 27,170,204 28,119,355 29,839,20833,865,14815.36 14.51 13.0814.1614.41Texas 111,250,488 106,333,082 105,279,655 110,114,868110,122,9482.34 1.06 9.056.001.78US Virgin Islands 517,107 580,595 649,714 833,052412,487

-24.05 -8.09 -12.78-31.59-8.90Utah 9,670,238 9,455,815 12,214,772 10,505,09413,666,921-18.33 -15.73 -10.98-13.22-15.14Vermont 2,359,205 2,181,027 2,296,092 2,729,1022,000,619

6.54 5.87 19.3412.43-0.01Virginia 21,162,488 20,777,998 18,290,341 17,814,66122,014,0746.00 7.59 1.532.165.16Washington 5,338,146 5,698,206 6,492,097 7,488,9425,090,724

23.21 21.59 26.9025.2821.90West Virginia 4,289,980 4,394,080 4,466,551 4,454,6654,329,4558.44 -2.85 7.376.114.64Wisconsin 17,009,581 16,454,033 17,853,935 19,984,12114,382,115

-0.33 -0.24 -1.08-0.83-0.20Wyoming 1,665,771 2,055,050 2,494,526 2,857,5311,438,690Total 895,541,402 879,664,680 905,972,018 946,769,714 -3.88 -1.95 -1.08 -1.06 -0.63900,760,458




Business Type



2015 2014 2013 2012 2011

62626 CMFG Life Ins Co IA L 340,545,414 335,670,358 325,195,625 325,017,794 326,224,24497691 Life Of The South Ins Co GA L 74,113,141 57,309,982 45,300,287 41,783,338 38,500,37060518 American Hlth & Life Ins Co TX L 68,864,384 73,419,368 75,433,134 64,433,084 61,619,55466168 Minnesota Life Ins Co MN L 58,919,693 55,726,638 51,400,177 52,185,624 54,837,73765951 Merit Life Ins Co IN L 54,508,358 57,615,505 47,748,857 31,144,940 28,824,14461751 Central States H & L Co Of Omaha NE L 39,441,877 44,968,263 47,284,239 47,105,569 40,810,10086231 Transamerica Life Ins Co IA L 31,274,245 32,828,005 32,922,022 30,796,734 21,384,46960739 American Natl Ins Co TX L 22,528,808 22,922,421 23,050,200 22,751,334 23,754,74160275 American Bankers Life Assur Co Of FL FL L 19,399,795 38,834,605 57,143,914 60,697,040 62,498,78197152 Plateau Ins Co TN L 18,192,255 15,655,241 12,794,122 9,152,872 7,536,88110111 American Bankers Ins Co Of FL FL P 13,399,144 13,501,254 14,242,353 16,686,287 18,708,11768136 Protective Life Ins Co TN L 11,760,588 12,749,523 14,587,255 14,749,458 14,505,74666281 Transamerica Premier Life Ins Co IA L 9,995,232 8,345,610 10,887,051 9,687,124 9,784,60061298 Bankers Life Of LA LA L 9,063,001 8,007,613 7,608,018 7,299,897 6,227,56967628 Pekin Life Ins Co IL L 8,612,501 8,573,716 8,325,268 6,509,061 5,092,80593777 Pavonia Life Ins Co of MI MI L 7,290,878 9,989,919 13,237,740 19,438,727 23,929,79998736 American Federated Life Ins Co MS L 7,076,412 7,321,110 6,634,295 6,877,611 6,616,90173156 Caribbean Amer Life Assur Co PR L 5,676,143 5,632,664 6,743,114 7,343,348 6,669,21065811 American Modern Life Ins Co OH L 5,576,930 6,506,340 6,445,158 8,907,373 11,235,92834274 Central States Ind Co Of Omaha NE P 5,451,911 6,117,417 6,783,150 8,521,006 9,507,03160242 Southern Financial Life Ins Co KY L 5,136,411 4,410,700 4,185,779 4,176,871 3,896,53865480 Old Spartan Life Ins Co Inc SC L 4,806,230 5,230,292 7,087,546 6,671,597 6,238,42376007 Old United Life Ins Co AZ L 4,267,646 5,440,959 5,432,713 5,028,518 3,922,72093742 Securian Life Ins Co MN L 4,075,972 5,040,280 4,976,079 3,003,379 2,137,10064904 Investors Heritage Life Ins Co KY L 3,389,788 3,374,980 3,299,847 3,612,491 3,693,52799538 SWBC Life Ins Co TX L 1,951,742 1,408,156 973,361 799,245 459,97560836 American Republic Ins Co IA L 1,905,306 1,992,662 2,284,220 2,849,109 3,071,37370688 Transamerica Financial Life Ins Co NY L 1,653,542 5,689,648 6,093,985 6,191,385 6,155,66677054 MAPFRE Life Ins Co of PR PR L 1,035,905 270,075 96,476 80,080 77,59370548 Wichita Natl Life Ins Co OK L 984,489 1,154,829 1,071,464 1,290,312 1,260,11380020 Mountain Life Ins Co TN L 966,823 878,522 975,055 1,072,109 1,149,37977976 Gulf Guar Life Ins Co MS L 947,397 945,413 1,042,656 1,040,996 1,063,26060244 Kentucky Home Life Ins Co KY L 938,191 806,961 811,715 847,607 1,349,95281477 Union Security Life Ins Co of NY NY L 867,334 921,736 1,187,997 1,218,989 1,358,23462650 Delta Life Ins Co GA L 842,102 876,902 886,565 975,604 1,190,50064211 Guarantee Trust Life Ins Co IL L 754,490 1,557,505 3,198,582 6,782,941 7,566,29874365 Southern Pioneer Life Ins Co AR L 738,879 900,922 516,241 919,431 15071323 Zale Life Ins Co AZ L 716,183 780,300 792,477 755,339 729,790




Business Type



2015 2014 2013 2012 2011

71463 CICA Life Ins Co of Amer CO L 711,748 692,130 694,754 782,553 651,23174233 First Natl Life Ins Co Of USA NE L 703,267 732,927 749,509 870,492 1,038,79625178 State Farm Mut Auto Ins Co IL P 677,776 12,862,216 14,441,535 11,758,712 10,230,92881779 Individual Assur Co Life Hlth & Acc OK L 644,659 2,123,862 3,454,978 4,242,364 4,330,51085677 Life Assur Co Inc OK L 595,433 765,822 788,845 973,930 805,36030325 Zale Ind Co TX P 445,871 477,933 466,764 462,592 436,84677690 Trans City Life Ins Co AZ L 395,245 447,995 411,220 430,507 397,66574470 Great Central Life Ins Co LA L 336,504 333,159 381,527 377,508 363,78310952 Transamerica Cas Ins Co OH P 334,490 355,435 405,628 478,637 562,19479340 Pavonia Life Ins Co NY NY L 229,647 211,730 361,089 714,377 980,50779715 Cooperativa De Seguros De Vida PR L 214,748 328,889 520,545 1,602,235 131,43093650 Versant Life Ins Co MS L 202,349 164,331 108,751 113,576 150,32462383 Centurion Life Ins Co IA L 196,184 262,491 424,573 713,080 1,074,49888536 Protective Life & Annuity Ins Co AL L 184,956 234,641 326,227 429,324 620,42942978 American Security Ins Co DE P 172,000 202,798 329,883 0 083992 Foundation Life Ins Co Of AR AR L 161,081 0 143,581 143,043 181,52742986 Standard Guar Ins Co DE P 143,863 200,509 255,063 0 086118 Arkansas Bankers Life Ins Co AR L 128,248 157,646 0 127,055 145,87641211 Triton Ins Co TX P 115,944 317,499 440,610 413,968 444,54272087 Multinational Life Ins Co PR L 96,797 114,573 137,563 0 060895 American United Life Ins Co IN L 91,886 154,654 248,254 236,448 216,24675094 Life Ins Co Of LA LA L 60,631 133,892 160,533 137,207 94,51361409 National Benefit Life Ins Co NY L 28,509 24,424 -354,910 1,027,897 2,171,79792649 American Underwriters Life Ins Co AZ L 7,697 38,107 0 0 31,95793815 Pacific Century Life Ins Corp AZ L 5,873 6,412 6,629 7,167 8,42698868 Sheridan Life Ins Co OK L 2,437 18,915 4,177 22,853 41,24769477 Time Ins Co WI L 1,450 987 1,998 2,355 2,60960054 Aetna Life Ins Co CT L 0 0 0 0 019232 Allstate Ins Co IL P 0 0 0 0 060186 Allstate Life Ins Co IL L 0 0 0 0 094439 American Creditors Life Ins Co DE L 0 0 0 0 068373 American Gen Assur Co IL L 0 0 0 0 455,54024813 Balboa Ins Co CA P 0 0 0 0 068160 Balboa Life Ins Co CA L 0 0 0 0 53,04510097 Balboa Life Ins Co Of NY NY L 0 0 0 0 -32,12661212 Baltimore Life Ins Co MD L 0 0 0 -101 081043 Bankers Life Ins Co FL L 0 0 0 0 -890867 Century Credit Life Ins Co MS L 0 0 0 0 0




Business Type



2015 2014 2013 2012 2011

61824 Cherokee Natl Life Ins Co GA L 0 0 1,534,334 1,872,468 2,137,33588374 Commonwealth Dealers Life Ins Co VA L 0 0 -3,391 -1,172 -3,31978301 Corvesta Life Ins Co AZ L 0 0 0 0 085090 Dearborn Natl Life Ins Co of NY NY L 0 0 -702 -4,295 -77963088 Farm Bureau Life Ins Co IA L 0 0 0 0 021075 Financial Amer Prop & Cas Ins Co TX P 0 0 0 0 -6794579 First Assur Life Of Amer LA L 0 0 0 3,284,805 3,087,53793521 General Fidelity Life Ins Co SC L 0 -188 -6,453 -15,178 -21,09765536 Genworth Life & Ann Ins Co VA L 0 0 0 0 032077 Heritage Cas Ins Co KS P 0 0 0 0 064394 Heritage Life Ins Co AZ L 0 0 0 0 011162 Insurance Co of the South GA P 0 84,061 100,578 126,634 141,99765838 John Hancock Life Ins Co USA MI L 0 0 0 0 065676 Lincoln Natl Life Ins Co IN L 0 0 0 0 065781 Madison Natl Life Ins Co Inc WI L 0 0 0 0 061018 Magna Ins Co MS L 0 0 0 0 -223,90868020 Mcdonald Life Ins Co TX L 0 0 0 0 097055 Mega Life & Hlth Ins Co The OK L 0 0 0 -1,211 -84265978 Metropolitan Life Ins Co NY L 0 0 0 7,699 15,11468349 North Amer Ins Co WI L 0 -4,071 -4,755 -38 50267261 Old Republic Life Ins Co IL L 0 -960 -38 -9,702 -8,35776112 Oxford Life Ins Co AZ L 0 -87 -203 0 -1571099 Parker Centennial Assur Co WI L 0 0 0 0 -96,11768241 Prudential Ins Co Of Amer NJ L 0 0 0 0 -2489958 Shelterpoint Ins Co FL L 0 0 -12,949 -70,749 -131,25165021 Stonebridge Life Ins Co VT L 0 485,940 613,117 1,979,452 2,367,91169523 Trans Oceanic Life Ins Co PR L 0 0 0 0 061158 TRIPLE S BLUE PR L 0 0 0 0 062596 Union Fidelity Life Ins Co KS L 0 -38 -132 -13,989 -4,08187645 United Fidelity Life Ins Co TX L 0 -559 -2,002 1,184 5,45669973 United Life Ins Co IA L 0 0 0 -202 -37670173 Universal Underwriters Life Ins Co KS L 0 -3,591 -9,807 -73,201 -243,14172613 USAA Direct Life Ins Co NE L 0 0 0 0 069663 USAA Life Ins Co TX L 0 0 -2,821 0 088080 XL Life Ins & Ann Co IL L 0 0 -2,225 -371 -1,21679049 Alfa Life Ins Corp AL L -8 -78 -1,077 22 1,60866087 Mid West Natl Life Ins Co Of TN TX L -25 0 -72 -47 -1,01775612 Gulf States Life Ins Co LA L -33 -2,178 -29,437 232,608 233,507




Business Type



2015 2014 2013 2012 2011

89087 Enterprise Life Ins Co TX L -43 -7,781 -78,913 -227,966 -451,79968632 Vantis Life Ins Co CT L -107 -2,102 -25 3,912 -1,26770435 The Savings Bank Life Ins Co Of MA MA L -177 -1,017 4,086 3,629 2,39699465 Servco Life Ins Co TX L -681 -20,005 -52,805 -152,385 -415,66394447 Century Life Ass Co OK L -837 -8,509 6,648 18,484 56,27065757 Shelter Life Ins Co MO L -1,209 -6,646 -7,850 21,698 34,50570106 United States Life Ins Co in the Cit NY L -1,223 -2,300 -29,639 -81,496 -173,65877151 Service Life & Cas Ins Co TX L -4,121 -111,070 -157,665 -541,122 -1,316,66165560 Life Protection Ins Co TX L -30,075 89,424 449,518 363,006 258,69261506 Resource Life Ins Co IL L -31,996 -34,159 -35,205 -87,290 -425,00292274 Landcar Life Ins Co UT L -71,261 -190,283 752,232 2,304,992 1,493,36260534 American Heritage Life Ins Co FL L -87,088 -303,411 -671,433 539,860 6,281,27160041 UNIVERSAL LIFE INS CO PR L -557,109 771,553 1,706,160 1,384,828 071455 Financial Amer Life Ins Co KS L -653,737 -1,543,922 3,926,445 8,840,388 8,248,94060488 American Gen Life Ins Co TX L -2,006,646 652,689 569,642 615,725 0

884,581,084 892,141,224 884,792,984 870,025,757COMPANIES IN REPORT - COUNTRYWIDE129 851,112,056




Business Type




2015 20152014 20142013 20132012 20122011 2011

62626 CMFG Life Ins Co IA L 1.45 3.22 0.05 -0.37 -5.21 40.01 37.95 36.45 36.73 37.5097691 Life Of The South Ins Co GA L 29.32 26.51 8.42 8.53 10.29 8.71 6.48 5.08 4.72 4.4360518 American Hlth & Life Ins Co TX L -6.20 -2.67 17.07 4.57 35.33 8.09 8.30 8.46 7.28 7.0866168 Minnesota Life Ins Co MN L 5.73 8.42 -1.51 -4.84 -7.68 6.92 6.30 5.76 5.90 6.3065951 Merit Life Ins Co IN L -5.39 20.66 53.31 8.05 36.40 6.40 6.51 5.35 3.52 3.3161751 Central States H & L Co Of Omaha NE L -12.29 -4.90 0.38 15.43 1.44 4.63 5.08 5.30 5.32 4.6986231 Transamerica Life Ins Co IA L -4.73 -0.29 6.90 44.01 -21.31 3.67 3.71 3.69 3.48 2.4660739 American Natl Ins Co TX L -1.72 -0.55 1.31 -4.22 -16.69 2.65 2.59 2.58 2.57 2.7360275 American Bankers Life Assur Co Of FL FL L -50.05 -32.04 -5.85 -2.88 -6.21 2.28 4.39 6.41 6.86 7.1897152 Plateau Ins Co TN L 16.21 22.36 39.78 21.44 8.60 2.14 1.77 1.43 1.03 0.8710111 American Bankers Ins Co Of FL FL P -0.76 -5.20 -14.65 -10.81 -13.78 1.57 1.53 1.60 1.89 2.1568136 Protective Life Ins Co TN L -7.76 -12.60 -1.10 1.68 -3.89 1.38 1.44 1.64 1.67 1.6766281 Transamerica Premier Life Ins Co IA L 19.77 -23.34 12.39 -1.00 19.79 1.17 0.94 1.22 1.09 1.1261298 Bankers Life Of LA LA L 13.18 5.25 4.22 17.22 11.97 1.06 0.91 0.85 0.83 0.7267628 Pekin Life Ins Co IL L 0.45 2.98 27.90 27.81 16.64 1.01 0.97 0.93 0.74 0.5993777 Pavonia Life Ins Co of MI MI L -27.02 -24.53 -31.90 -18.77 -8.57 0.86 1.13 1.48 2.20 2.7598736 American Federated Life Ins Co MS L -3.34 10.35 -3.54 3.94 10.75 0.83 0.83 0.74 0.78 0.7673156 Caribbean Amer Life Assur Co PR L 0.77 -16.47 -8.17 10.11 NR 0.67 0.64 0.76 0.83 0.7765811 American Modern Life Ins Co OH L -14.28 0.95 -27.64 -20.72 -10.05 0.66 0.74 0.72 1.01 1.2934274 Central States Ind Co Of Omaha NE P -10.88 -9.81 -20.39 -10.37 -15.36 0.64 0.69 0.76 0.96 1.0960242 Southern Financial Life Ins Co KY L 16.45 5.37 0.21 7.19 0.68 0.60 0.50 0.47 0.47 0.4565480 Old Spartan Life Ins Co Inc SC L -8.11 -26.20 6.23 6.94 15.03 0.56 0.59 0.79 0.75 0.7276007 Old United Life Ins Co AZ L -21.56 0.15 8.04 28.19 -2.94 0.50 0.62 0.61 0.57 0.4593742 Securian Life Ins Co MN L -19.13 1.29 65.68 40.54 23.67 0.48 0.57 0.56 0.34 0.2564904 Investors Heritage Life Ins Co KY L 0.44 2.28 -8.65 -2.19 97.02 0.40 0.38 0.37 0.41 0.4299538 SWBC Life Ins Co TX L 38.60 44.67 21.79 73.76 -8.24 0.23 0.16 0.11 0.09 0.0560836 American Republic Ins Co IA L -4.38 -12.76 -19.83 -7.24 -18.01 0.22 0.23 0.26 0.32 0.3570688 Transamerica Financial Life Ins Co NY L -70.94 -6.64 -1.57 0.58 -4.03 0.19 0.64 0.68 0.70 0.7177054 MAPFRE Life Ins Co of PR PR L 283.56 179.94 20.47 3.21 33.98 0.12 0.03 0.01 0.01 0.0170548 Wichita Natl Life Ins Co OK L -14.75 7.78 -16.96 2.40 33.21 0.12 0.13 0.12 0.15 0.1480020 Mountain Life Ins Co TN L 10.05 -9.90 -9.05 -6.72 3.23 0.11 0.10 0.11 0.12 0.1377976 Gulf Guar Life Ins Co MS L 0.21 -9.33 0.16 -2.09 -19.62 0.11 0.11 0.12 0.12 0.1260244 Kentucky Home Life Ins Co KY L 16.26 -0.59 -4.23 -37.21 -11.55 0.11 0.09 0.09 0.10 0.1681477 Union Security Life Ins Co of NY NY L -5.90 -22.41 -2.54 -10.25 -2.64 0.10 0.10 0.13 0.14 0.1662650 Delta Life Ins Co GA L -3.97 -1.09 -9.13 -18.05 8.70 0.10 0.10 0.10 0.11 0.1464211 Guarantee Trust Life Ins Co IL L -51.56 -51.31 -52.84 -10.35 8.49 0.09 0.18 0.36 0.77 0.8774365 Southern Pioneer Life Ins Co AR L -17.99 74.52 -43.85 612,854.00 -99.99 0.09 0.10 0.06 0.10 0.0071323 Zale Life Ins Co AZ L -8.22 -1.54 4.92 3.50 0.13 0.08 0.09 0.09 0.09 0.0871463 CICA Life Ins Co of Amer CO L 2.83 -0.38 -11.22 20.17 -0.03 0.08 0.08 0.08 0.09 0.0774233 First Natl Life Ins Co Of USA NE L -4.05 -2.21 -13.90 -16.20 11.35 0.08 0.08 0.08 0.10 0.12




Business Type




2015 20152014 20142013 20132012 20122011 2011

25178 State Farm Mut Auto Ins Co IL P -94.73 -10.94 22.82 14.93 18.06 0.08 1.45 1.62 1.33 1.1881779 Individual Assur Co Life Hlth & Acc OK L -69.65 -38.53 -18.56 -2.04 -0.05 0.08 0.24 0.39 0.48 0.5085677 Life Assur Co Inc OK L -22.25 -2.92 -19.00 20.93 -9.07 0.07 0.09 0.09 0.11 0.0930325 Zale Ind Co TX P -6.71 2.39 0.90 5.89 78.20 0.05 0.05 0.05 0.05 0.0577690 Trans City Life Ins Co AZ L -11.77 8.94 -4.48 8.26 11.42 0.05 0.05 0.05 0.05 0.0574470 Great Central Life Ins Co LA L 1.00 -12.68 1.06 3.77 7.27 0.04 0.04 0.04 0.04 0.0410952 Transamerica Cas Ins Co OH P -5.89 -12.37 -15.25 -14.86 -10.16 0.04 0.04 0.05 0.05 0.0679340 Pavonia Life Ins Co NY NY L 8.46 -41.36 -49.45 -27.14 -12.27 0.03 0.02 0.04 0.08 0.1179715 Cooperativa De Seguros De Vida PR L -34.71 -36.82 -67.51 1,119.08 65.47 0.03 0.04 0.06 0.18 0.0293650 Versant Life Ins Co MS L 23.14 51.11 -4.25 -24.45 18.79 0.02 0.02 0.01 0.01 0.0262383 Centurion Life Ins Co IA L -25.26 -38.18 -40.46 -33.64 -41.44 0.02 0.03 0.05 0.08 0.1288536 Protective Life & Annuity Ins Co AL L -21.17 -28.07 -24.01 -30.80 0.32 0.02 0.03 0.04 0.05 0.0742978 American Security Ins Co DE P -15.19 -38.52 NR NR NR 0.02 0.02 0.04 0.00 0.0083992 Foundation Life Ins Co Of AR AR L NR -100.00 0.38 -21.20 -10.52 0.02 0.00 0.02 0.02 0.0242986 Standard Guar Ins Co DE P -28.25 -21.39 NR NR NR 0.02 0.02 0.03 0.00 0.0086118 Arkansas Bankers Life Ins Co AR L -18.65 NR -100.00 -12.90 -22.50 0.02 0.02 0.00 0.01 0.0241211 Triton Ins Co TX P -63.48 -27.94 6.44 -6.88 -25.74 0.01 0.04 0.05 0.05 0.0572087 Multinational Life Ins Co PR L -15.51 -16.71 NR NR NR 0.01 0.01 0.02 0.00 0.0060895 American United Life Ins Co IN L -40.59 -37.70 4.99 9.34 329.40 0.01 0.02 0.03 0.03 0.0275094 Life Ins Co Of LA LA L -54.72 -16.60 17.00 45.17 11.14 0.01 0.02 0.02 0.02 0.0161409 National Benefit Life Ins Co NY L 16.73 106.88 -134.53 -52.67 -20.42 0.00 0.00 -0.04 0.12 0.2592649 American Underwriters Life Ins Co AZ L -79.80 NR NR -100.00 117.74 0.00 0.00 0.00 0.00 0.0093815 Pacific Century Life Ins Corp AZ L -8.41 -3.27 -7.51 -14.94 -12.02 0.00 0.00 0.00 0.00 0.0098868 Sheridan Life Ins Co OK L -87.12 352.84 -81.72 -44.59 19.88 0.00 0.00 0.00 0.00 0.0069477 Time Ins Co WI L 46.91 -50.60 -15.16 -9.74 -78.30 0.00 0.00 0.00 0.00 0.0060054 Aetna Life Ins Co CT L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0019232 Allstate Ins Co IL P NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0060186 Allstate Life Ins Co IL L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0094439 American Creditors Life Ins Co DE L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0068373 American Gen Assur Co IL L NR NR NR -100.00 349.33 0.00 0.00 0.00 0.00 0.0524813 Balboa Ins Co CA P NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0068160 Balboa Life Ins Co CA L NR NR NR -100.00 -96.70 0.00 0.00 0.00 0.00 0.0110097 Balboa Life Ins Co Of NY NY L NR NR NR 100.00 -111.89 0.00 0.00 0.00 0.00 0.0061212 Baltimore Life Ins Co MD L NR NR 100.00 NR 100.00 0.00 0.00 0.00 0.00 0.0081043 Bankers Life Ins Co FL L NR NR NR 100.00 95.32 0.00 0.00 0.00 0.00 0.0090867 Century Credit Life Ins Co MS L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0061824 Cherokee Natl Life Ins Co GA L NR -100.00 -18.06 -12.39 -8.35 0.00 0.00 0.17 0.21 0.2588374 Commonwealth Dealers Life Ins Co VA L NR 100.00 -189.33 64.69 72.18 0.00 0.00 0.00 0.00 0.0078301 Corvesta Life Ins Co AZ L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0085090 Dearborn Natl Life Ins Co of NY NY L NR 100.00 83.66 -451.35 12.77 0.00 0.00 0.00 0.00 0.00




Business Type




2015 20152014 20142013 20132012 20122011 2011

63088 Farm Bureau Life Ins Co IA L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0021075 Financial Amer Prop & Cas Ins Co TX P NR NR NR 100.00 96.96 0.00 0.00 0.00 0.00 0.0094579 First Assur Life Of Amer LA L NR NR -100.00 6.39 12.62 0.00 0.00 0.00 0.37 0.3593521 General Fidelity Life Ins Co SC L 100.00 97.09 57.48 28.06 -157.44 0.00 0.00 0.00 0.00 0.0065536 Genworth Life & Ann Ins Co VA L NR NR NR NR 100.00 0.00 0.00 0.00 0.00 0.0032077 Heritage Cas Ins Co KS P NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0064394 Heritage Life Ins Co AZ L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0011162 Insurance Co of the South GA P -100.00 -16.42 -20.58 -10.82 -13.90 0.00 0.01 0.01 0.01 0.0265838 John Hancock Life Ins Co USA MI L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0065676 Lincoln Natl Life Ins Co IN L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0065781 Madison Natl Life Ins Co Inc WI L NR NR NR NR -100.00 0.00 0.00 0.00 0.00 0.0061018 Magna Ins Co MS L NR NR NR 100.00 -127.87 0.00 0.00 0.00 0.00 -0.0368020 Mcdonald Life Ins Co TX 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 100.00 -43.82 73.65 0.00 0.00 0.00 0.00 0.0065978 Metropolitan Life Ins Co NY L NR NR -100.00 -49.06 4.50 0.00 0.00 0.00 0.00 0.0068349 North Amer Ins Co WI L 100.00 14.39 -12,413.82 -107.57 226.45 0.00 0.00 0.00 0.00 0.0067261 Old Republic Life Ins Co IL L 100.00 -2,426.32 99.61 -16.09 69.69 0.00 0.00 0.00 0.00 0.0076112 Oxford Life Ins Co AZ L 100.00 57.26 NR 100.00 98.22 0.00 0.00 0.00 0.00 0.0071099 Parker Centennial Assur Co WI L NR NR NR 100.00 NR 0.00 0.00 0.00 0.00 -0.0168241 Prudential Ins Co Of Amer NJ L NR NR NR 100.00 87.82 0.00 0.00 0.00 0.00 0.0089958 Shelterpoint Ins Co FL L NR 100.00 81.70 46.10 77.16 0.00 0.00 0.00 -0.01 -0.0265021 Stonebridge Life Ins Co VT L -100.00 -20.74 -69.03 -16.41 -11.38 0.00 0.05 0.07 0.22 0.2769523 Trans Oceanic Life Ins Co PR L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0061158 TRIPLE S BLUE PR L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0062596 Union Fidelity Life Ins Co KS L 100.00 70.84 99.06 -242.76 -41.59 0.00 0.00 0.00 0.00 0.0087645 United Fidelity Life Ins Co TX L 100.00 72.08 -269.09 -78.30 -6.09 0.00 0.00 0.00 0.00 0.0069973 United Life Ins Co IA L NR NR 100.00 46.28 77.42 0.00 0.00 0.00 0.00 0.0070173 Universal Underwriters Life Ins Co KS L 100.00 63.38 86.60 69.89 52.46 0.00 0.00 0.00 -0.01 -0.0372613 USAA Direct Life Ins Co NE L NR NR NR NR NR 0.00 0.00 0.00 0.00 0.0069663 USAA Life Ins Co TX L NR 100.00 NR NR NR 0.00 0.00 0.00 0.00 0.0088080 XL Life Ins & Ann Co IL L NR 100.00 -499.73 69.49 -20.87 0.00 0.00 0.00 0.00 0.0079049 Alfa Life Ins Corp AL L 90.30 92.73 -5,039.54 -98.64 177.55 0.00 0.00 0.00 0.00 0.0066087 Mid West Natl Life Ins Co Of TN TX L NR 100.00 -53.19 95.38 68.41 0.00 0.00 0.00 0.00 0.0075612 Gulf States Life Ins Co LA L 98.49 92.60 -112.66 -0.38 3.01 0.00 0.00 0.00 0.03 0.0389087 Enterprise Life Ins Co TX L 99.45 90.14 65.38 49.54 52.32 0.00 0.00 -0.01 -0.03 -0.0568632 Vantis Life Ins Co CT L 94.91 -8,308.00 -100.64 408.76 -412.96 0.00 0.00 0.00 0.00 0.0070435 The Savings Bank Life Ins Co Of MA MA L 82.60 -124.89 12.59 51.46 -31.35 0.00 0.00 0.00 0.00 0.0099465 Servco Life Ins Co TX L 96.60 62.12 65.35 63.34 54.04 0.00 0.00 -0.01 -0.02 -0.0594447 Century Life Ass Co OK L 90.16 -227.99 -64.03 -67.15 199.47 0.00 0.00 0.00 0.00 0.0165757 Shelter Life Ins Co MO L 81.81 15.34 -136.18 -37.12 -11.23 0.00 0.00 0.00 0.00 0.00




Business Type




2015 20152014 20142013 20132012 20122011 2011

70106 United States Life Ins Co in the Cit NY L 46.83 92.24 63.63 53.07 61.04 0.00 0.00 0.00 -0.01 -0.0277151 Service Life & Cas Ins Co TX L 96.29 29.55 70.86 58.90 31.57 0.00 -0.01 -0.02 -0.06 -0.1565560 Life Protection Ins Co TX L -133.63 -80.11 23.83 40.32 -79.53 0.00 0.01 0.05 0.04 0.0361506 Resource Life Ins Co IL L 6.33 2.97 59.67 79.46 66.23 0.00 0.00 0.00 -0.01 -0.0592274 Landcar Life Ins Co UT L 62.55 -125.30 -67.37 54.35 174.11 -0.01 -0.02 0.08 0.26 0.1760534 American Heritage Life Ins Co FL L 71.30 54.81 -224.37 -91.41 3.10 -0.01 -0.03 -0.08 0.06 0.7260041 UNIVERSAL LIFE INS CO PR L -172.21 -54.78 23.20 NR NR -0.07 0.09 0.19 0.16 0.0071455 Financial Amer Life Ins Co KS L 57.66 -139.32 -55.59 7.17 8.29 -0.08 -0.17 0.44 1.00 0.9560488 American Gen Life Ins Co TX L -407.44 14.58 -7.48 NR NR -0.24 0.07 0.06 0.07 0.00

COMPANIES IN REPORT - COUNTRYWIDE129 -3.78 -0.85 0.83 1.70 -0.88 100.00100.00100.00100.00100.00


CREDIT A&HBY STATE2015 CREDIT EXPERIENCE REPORT

Net Written Premiums - By State



Alabama 30 30 31 34 19,544,121 19,344,542 18,345,449 18,069,12619,898,68627Alaska 17 19 19 22 911,013 1,020,730 1,436,968 1,803,091661,17114American Samoa 1 1 1 -4 0 -1 2220Arizona 28 31 33 34 4,483,006 4,245,950 3,982,538 4,531,2913,886,46121Arkansas 25 28 32 35 3,499,193 3,865,370 4,402,086 4,002,7232,858,62326California 17 20 19 22 13,027,035 15,007,475 16,561,763 18,054,83111,624,06314Colorado 30 29 31 33 4,994,107 5,269,843 5,418,803 5,293,1064,799,30728Connecticut 21 21 22 25 5,054,117 4,735,154 4,799,145 4,854,8595,303,18520Delaware 20 24 26 27 1,603,091 1,749,780 2,013,045 2,255,8751,415,01119District Of Columbia 11 11 13 14 2,022,151 1,941,836 2,101,051 2,216,3362,018,30011Florida 27 29 30 36 39,076,130 37,642,314 36,707,715 38,895,29739,210,81523Georgia 30 34 35 36 62,039,790 60,797,150 57,953,783 56,020,18462,543,86429Guam 6 6 7 7 343,811 223,869 181,946 70,732313,0046Hawaii 15 18 18 20 7,795,038 7,704,491 7,522,309 8,064,3967,906,27113Idaho 24 23 26 28 6,474,178 6,020,375 5,892,535 5,542,4926,914,05523Illinois 33 34 37 37 38,560,283 38,314,992 37,424,705 35,780,51835,029,81129Indiana 33 34 33 40 16,438,219 16,060,644 16,055,553 15,808,88315,851,01929Iowa 27 28 30 30 13,960,100 15,200,131 16,777,062 17,664,06713,497,95724Kansas 32 32 34 33 12,514,632 12,055,457 12,025,510 11,737,06012,900,04228Kentucky 23 25 27 28 24,694,863 24,544,165 23,343,717 22,187,76724,777,89320Louisiana 34 34 37 40 35,326,787 34,957,703 36,314,021 34,583,14234,634,23428Maine 18 18 18 22 5,571,580 5,554,040 5,659,667 5,972,2915,309,41918Maryland 23 25 28 29 11,251,373 11,771,202 11,738,635 11,426,25010,494,91824Massachusetts 20 22 23 26 4,453,391 4,835,344 5,790,085 6,312,7324,188,85817Michigan 31 30 32 34 32,314,878 31,182,034 29,170,813 26,378,82333,983,12327Minnesota 22 24 26 27 9,737,351 10,030,298 9,973,980 10,069,2608,867,65819Mississippi 29 31 34 36 24,827,003 24,291,001 23,381,580 22,277,03523,871,39727Missouri 37 39 39 39 15,657,363 15,226,940 16,149,530 15,099,27514,227,74635Montana 20 20 25 27 2,590,739 3,340,305 3,914,491 4,448,2422,465,67419Nebraska 25 26 28 31 6,090,845 6,747,228 7,179,235 7,974,1645,579,65522Nevada 19 21 24 26 1,409,669 1,464,638 1,431,080 1,393,3971,244,14617New Hampshire 18 21 23 23 12,589,209 10,949,405 12,284,284 10,020,91810,801,08017New Jersey 19 19 22 24 7,520,691 9,557,178 9,573,728 10,119,8757,498,25918New Mexico 31 33 33 34 8,363,633 8,475,857 7,792,423 7,489,9698,021,25627New York 14 16 16 19 45,529,709 45,635,744 46,025,233 46,579,75243,958,37414North Carolina 26 30 31 34 42,328,399 40,494,832 37,517,115 39,015,08042,138,57224North Dakota 19 22 26 26 5,290,546 5,177,639 5,338,479 4,612,2104,891,78119Northern Mariana Islands 3 3 3 3 79,041 55,271 35,047 17,47574,7952Ohio 31 35 37 38 27,204,591 27,530,813 27,476,398 24,916,68326,320,82129






Oklahoma 29 32 35 38 8,484,918 9,055,514 9,656,234 9,736,4816,756,45025Oregon 26 27 26 31 6,980,325 7,320,019 8,058,391 8,458,9215,837,73123Pennsylvania 26 28 27 29 36,168,736 39,145,120 42,545,337 46,845,11630,523,41625Puerto Rico 8 8 7 8 6,731,778 8,749,568 10,022,030 6,284,4036,136,9737Rhode Island 16 15 18 22 679,765 1,075,590 1,164,699 1,081,638688,72311South Carolina 26 29 30 34 28,474,576 28,228,238 26,147,364 27,818,05523,803,24021South Dakota 22 22 25 27 4,834,288 5,249,741 5,417,528 5,266,7404,861,68620Tennessee 33 32 35 37 25,653,688 26,381,240 27,626,094 27,617,10425,022,07829Texas 39 42 41 43 129,273,981 128,695,729 120,976,538 111,220,791125,540,66632US Virgin Islands 6 6 6 7 418,761 482,009 453,345 774,698359,1495Utah 22 24 26 29 8,309,552 8,218,215 8,342,460 9,028,1379,850,79723Vermont 16 15 16 18 1,600,837 1,620,773 1,780,945 1,764,6961,389,82515Virginia 26 29 31 35 23,415,354 23,713,420 20,691,724 19,674,46423,966,78725Washington 25 26 27 30 6,558,699 7,002,292 6,656,541 6,773,8265,895,16221West Virginia 24 27 25 28 5,068,344 5,805,837 5,859,402 5,643,0774,622,20723Wisconsin 29 34 35 36 15,402,985 16,679,009 17,471,409 18,189,32014,691,05926Wyoming 18 21 22 26 1,352,825 1,697,171 2,231,437 2,288,8631,184,80416

884,581,084 892,141,224 884,792,984 870,025,757 Total 851,112,0561,154 1,280 1,362 1,441 1,558







1.81 1.03 5.45 1.53 3.56 2.34 2.21 2.17 2.07 2.08Alabama-27.42 -10.75 -28.97 -20.31 -19.23 0.08 0.10 0.11 0.16 0.21Alaska100.00 NR 100.00 -100.45 -59.12 0.00 0.00 0.00 0.00 0.00American Samoa-13.31 5.58 6.61 -12.11 -4.54 0.46 0.51 0.48 0.45 0.52Arizona-18.31 -9.47 -12.19 9.98 -22.03 0.34 0.40 0.43 0.50 0.46Arkansas-10.77 -13.20 -9.38 -8.27 -7.37 1.37 1.47 1.68 1.87 2.08California

-3.90 -5.23 -2.75 2.37 -18.14 0.56 0.56 0.59 0.61 0.61Colorado4.93 6.74 -1.33 -1.15 -10.71 0.62 0.57 0.53 0.54 0.56Connecticut

-11.73 -8.38 -13.08 -10.76 -5.63 0.17 0.18 0.20 0.23 0.26Delaware-0.19 4.14 -7.58 -5.20 -9.95 0.24 0.23 0.22 0.24 0.25District Of Columbia0.34 3.81 2.55 -5.62 -3.05 4.61 4.42 4.22 4.15 4.47Florida0.81 2.04 4.91 3.45 3.83 7.35 7.01 6.81 6.55 6.44Georgia

-8.96 53.58 23.04 157.23 -55.65 0.04 0.04 0.03 0.02 0.01Guam1.43 1.18 2.42 -6.72 -4.34 0.93 0.88 0.86 0.85 0.93Hawaii6.79 7.54 2.17 6.32 -4.89 0.81 0.73 0.67 0.67 0.64Idaho

-9.16 0.64 2.38 4.60 0.21 4.12 4.36 4.29 4.23 4.11Illinois-3.57 2.35 0.03 1.56 0.90 1.86 1.86 1.80 1.81 1.82Indiana-3.31 -8.16 -9.40 -5.02 -5.43 1.59 1.58 1.70 1.90 2.03Iowa3.08 3.81 0.25 2.46 0.78 1.52 1.41 1.35 1.36 1.35Kansas0.34 0.61 5.14 5.21 5.15 2.91 2.79 2.75 2.64 2.55Kentucky

-1.96 1.06 -3.73 5.00 2.99 4.07 3.99 3.92 4.10 3.97Louisiana-4.71 0.32 -1.87 -5.23 -5.18 0.62 0.63 0.62 0.64 0.69Maine-6.72 -4.42 0.28 2.73 -7.68 1.23 1.27 1.32 1.33 1.31Maryland-5.94 -7.90 -16.49 -8.28 -17.62 0.49 0.50 0.54 0.65 0.73Massachusetts5.16 3.63 6.89 10.58 -2.66 3.99 3.65 3.50 3.30 3.03Michigan

-8.93 -2.92 0.56 -0.95 -6.00 1.04 1.10 1.12 1.13 1.16Minnesota-3.85 2.21 3.89 4.96 1.33 2.80 2.81 2.72 2.64 2.56Mississippi-9.13 2.83 -5.71 6.96 -5.80 1.67 1.77 1.71 1.83 1.74Missouri-4.83 -22.44 -14.67 -12.00 -2.54 0.29 0.29 0.37 0.44 0.51Montana-8.39 -9.73 -6.02 -9.97 1.20 0.66 0.69 0.76 0.81 0.92Nebraska

-11.74 -3.75 2.34 2.70 -41.89 0.15 0.16 0.16 0.16 0.16Nevada-14.20 14.98 -10.87 22.59 14.74 1.27 1.42 1.23 1.39 1.15New Hampshire-0.30 -21.31 -0.17 -5.40 -8.34 0.88 0.85 1.07 1.08 1.16New Jersey-4.09 -1.32 8.77 4.04 0.80 0.94 0.95 0.95 0.88 0.86New Mexico-3.45 -0.23 -0.85 -1.19 -3.50 5.16 5.15 5.12 5.20 5.35New York-0.45 4.53 7.94 -3.84 1.21 4.95 4.79 4.54 4.24 4.48North Carolina-7.54 2.18 -3.01 15.75 1.94 0.57 0.60 0.58 0.60 0.53North Dakota-5.37 43.01 57.71 100.56 -80.21 0.01 0.01 0.01 0.00 0.00Northern Mariana Islands-3.25 -1.18 0.20 10.27 2.11 3.09 3.08 3.09 3.11 2.86Ohio







-20.37 -6.30 -6.22 -0.82 1.23 0.79 0.96 1.02 1.09 1.12Oklahoma-16.37 -4.64 -9.16 -4.74 -9.11 0.69 0.79 0.82 0.91 0.97Oregon-15.61 -7.60 -7.99 -9.18 -6.55 3.59 4.09 4.39 4.81 5.38Pennsylvania

-8.84 -23.06 -12.70 59.47 4,191.72 0.72 0.76 0.98 1.13 0.72Puerto Rico1.32 -36.80 -7.65 7.68 -20.78 0.08 0.08 0.12 0.13 0.12Rhode Island

-16.41 0.87 7.96 -6.01 1.02 2.80 3.22 3.16 2.96 3.20South Carolina0.57 -7.91 -3.10 2.86 -0.03 0.57 0.55 0.59 0.61 0.61South Dakota

-2.46 -2.76 -4.51 0.03 -2.41 2.94 2.90 2.96 3.12 3.17Tennessee-2.89 0.45 6.38 8.77 5.84 14.75 14.61 14.43 13.67 12.78Texas

-14.24 -13.12 6.32 -41.48 172.34 0.04 0.05 0.05 0.05 0.09US Virgin Islands18.55 1.11 -1.49 -7.59 -2.02 1.16 0.94 0.92 0.94 1.04Utah

-13.18 -1.23 -8.99 0.92 -4.98 0.16 0.18 0.18 0.20 0.20Vermont2.36 -1.26 14.60 5.17 -12.14 2.82 2.65 2.66 2.34 2.26Virginia

-10.12 -6.33 5.19 -1.73 -13.25 0.69 0.74 0.78 0.75 0.78Washington-8.80 -12.70 -0.91 3.83 -2.83 0.54 0.57 0.65 0.66 0.65West Virginia-4.62 -7.65 -4.54 -3.95 -10.88 1.73 1.74 1.87 1.97 2.09Wisconsin

-12.42 -20.29 -23.94 -2.51 -8.26 0.14 0.15 0.19 0.25 0.26Wyoming Total -3.78 -0.85 0.83 1.70 -0.88 100.00 100.00 100.00 100.00 100.00


TABLE 1- CREDIT INSURANCE REGULATORY PROVISIONS


Table 1

CREDIT INSURANCE REGULATORY PROVISIONS

As of June 2016

Minimum Prima Facie Prima Facie Limits on STATE Loss Ratio Std. Life Rates (a) A&H Rates (b) Compensation

Alabama ---- $1.23 per $1000 monthly outstanding balance (n) (Banking Department regulation 155-2-2-.12)

$1.30, $2.20, $1.90, $2.70, $3.50 (Banking Department regulation 155-2-2-.12)

----

Alaska N/A

$.38 (e) $.927 – $1.215 (e) Commission: 26% – 34% of prima facie for disability, 30% of prima facie for life

Arizona 50% life; 60% A&H $.30 $.83 – $1.72 (c) (by class of lender)

----

Arkansas 50% $.65 $1.48 - $2.79 40% + general agent override

California 54.24% – 54.71% life (varies by type of business, by class and whether single or joint life); 54.91% – 74.58% A&H (varies by class and whether single or joint coverage)

$.51 – $.61 (by class of lender) per $1000 monthly outstanding balance (n)

$.77 – $4.34 (by class of lender) (c)

35% prima facie, life; 30% prima facie, health (by statute) 27.5% creditor + 7.5% general agent, life; 23.75% creditor + 6.25% general agent, A&H

Colorado Ratio of incurred losses to earned premiums not less than 40% (v)

$.68 per $1000 monthly outstanding balance (c) (Colorado Regulation 4-9-2)

$.58 – $3.09 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 2016


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 2016


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 2016


Maryland 55% Gross: $.43 MOB: $.66 (n) is used to calculate the single premium for net payoff coverage

$.57 – $2.13 Maximum 32% creditor Total maximum 36%

Massachusetts 50% life; 55% A&H $.69 (per $1,000 monthly outstanding balance by statute) for single life insurance and $1.10 for joint life insurance (p)

$.70 (per $100 monthly outstanding balance by statute), per annum for each of the first four years of the term of coverage; $.50 per annum for each of the next three years of the term of coverage; and $.25 per annum for each year of coverage thereafter (p)

----

Michigan 60% (f) $.48 $1.30 – $2.45 (c) ----

Minnesota 50% $.40 (t) $.89 – $1.88 (g) (t) ----

Mississippi N/A; Mississippi has no minimum loss ratio as long as the rates set by the Legislature are charged.

$.80 for single life decreasing term $1.60 for single life level term $1.39 for joint life decreasing term $2.80 for joint life level term Statute: 83-53-23

Statute: 83-53-23(3) 45%

Missouri 35% (by statute) $.55 $.80 – $3.00 (w) 40% producer 10% general agent

Montana 38.5% life; 55% disability $.80 ($1.40 for joint life) per $1000 monthly outstanding balance (n)

$.41 - $6.18 per $100 of initial indebtedness (includes 7-day retroactive and 7-day non-retroactive)

37.5% of the net written prima facie premium, with no more than 7.5% apportioned to the producing general agent

Nebraska 45% - 50% $.69 ($1.15 for joint life) per $1000 monthly outstanding balance $.50 ($0.84 for joint life) per year per $100 indebtedness Single Premium Decreasing Term. $.92 ($1.54 for joint life) per year per $100 original indebtedness Level Term Life.

$0.56 – $1.51 (y)

Maximum 30% creditor


Table 1


As of June 2016


Nevada ---- $.72 (per $1,000 monthly outstanding balance (n) + $.08 for dismemberment)

$.55 – $2.06 ----

New Hampshire 50% life; 60% health $.360 – $.480 (by class of lender) $1.515 – $1.987 (by ----

New Jersey 65% $.40 $1.27 – $1.90 (h) No limit on compensation

New Mexico 55% $.39 $.80 – $ 1.25 (c) ----

New York Vendor (i) (auto dealer, motorcycle dealer, etc.) 65% – 71% life; 62% – 69% A&H Other policyholders are experienced rated using a component approach

$.56 – $.72 per month per $1,000 (n) $1.17 – $2.21 (c) (o)

North Carolina ---- $.50 (by statute) effective Jan. 1, 1997 $.95 – $2.60 ----

North Dakota 45% $.62 (per $1,000 monthly outstanding balance)(n)

$.94 – $1.88 (c) ----

Ohio 50% life; 60% health $.44 $.83 – $1.57 (c) (j)

Oklahoma ---- $.68 $.80 – $3.00 40% creditor; 10% general agent

Oregon 60% MOB: $0.59 – $0.65; SP decreasing: $0.38 – $0.65; SP level: $0.68 – $0.76 (see OAR 836-060-0026).

Monthly pay, decreasing coverage: see Tables 1–2 in OAR; open-end account: $1.26 – $1.89 (see OAR 836-060-0031).

----

Pennsylvania 55% life; 60% – 65% A&H $.45 $1.67 – $2.43 (c) 27% + 3% general agent, life; 21% + 4% general agent, A&H

Puerto Rico ---- $.65 (per $100 initial indebtedness) None Service fee to lenders is limited to twenty percent (20%) of the corresponding premium

Rhode Island 60% $.66 (single) and $1.05 (joint) (per $1,000 monthly outstanding balance) Single premium calculated by formula based on monthly rates (u)

$.90 – $3.05 (u) 25% creditor; 30% total (u)

South Carolina Non-life 50% (by statute under Consumer Finance Act & Consumer Protection Code)

$.55 $1.44 – $1.53 (k) ----


Table 1


As of June 2016


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 $.65 $.80 – $1.55 (x) ----

Vermont 60% life; 70% A&H $.55 $.96 – $2.01 (c) ----

Virginia 60% $.6456 (l) $1.14 – $2.40 (l) ----

Washington 60% $.60 (per $1000 monthly outstanding balance)(n)

$.86 – $1.85 25% to creditor; 30% total

West Virginia 50% $.65 $1.30 – $1.90 (c) Six-month preexisting conditions clause: $1.45 – $2.15.

----

Wisconsin 44% life; 52-60% varies by plan A&H

$.41 $.70 – $1.52 (c) ----

Wyoming ---- $.50 $.80 – $3.00 30% + 7.5% general agent


Table 1


As of June 2016

NOTES FOR CREDIT INSURANCE REGULATORY PROVISIONS

(a) Rate per $100 indebtedness for single life coverage on a loan repayable in substantially equal payments over a period of twelve months. (b) Range of rates given represents the single premium prima facie rates for the following types of coverage: 30-day non-retroactive, 30-day retroactive, 14-day non-retroactive, 14-day

retroactive, and seven-day retroactive elimination periods, for loan duration period of 12 months. (c) No seven-day retroactive elimination period available. (d) Fourteen-day non-retroactive and 30-day non-retroactive not available. (e) These rates are for underwritten business only. Rates for business that is not underwritten are the above rates divided by .9. (f) Michigan does not have minimum loss ratios. However, in order for a company to file a deviation, a company must have a loss ratio in excess of 60%. (g) Rates do not reflect 7-day elimination period. This type of policy is available, but rates are not explicit. Acceptable rates would be actuarial equivalent of those for other types of policies. (h) Rates represent 14-day non-retroactive and retroactive only and include policies that either include or exclude preexisting conditions.. (i) The loss ratio varies by carrier. If the rate charged by the carrier is relatively high, then a higher minimum loss ratio applies. If the loss ratio is relatively low, then a lower minimum loss

ratio applies. (j) None, but a group administrative services contract, which pays the policyholder in excess of 10% of the net premiums written, is presumed to be excessive and an unlawful inducement to

insurance. (k) Rates represent 30-day and 14-day retroactive policies only. Rates shown are for policies with a 12-month period; rates for higher periods are higher. (l) Commission is required to publish prima facie rates reasonably expected to produce a 60% loss ratio each triennium. The current triennial began Jan. 1, 2016. (Refer to Chapter 37.1 of Title

38.2 of the Code of Virginia for specific information regarding requirements applicable to credit life and credit accident and health insurance in Virginia.) The next triennial will begin Jan. 1, 2019.

(m) Maine does not have seven-day or 14-day retroactive or non-retroactive available. (n) Single premium rates calculated by formula based on MOB. (o) New York State Department of Financial Services comments: “Service fees may be paid to the creditors for service actually performed. These are required to be filed with the department.

The fees are generally expressed as a percentage of the prima facie rates. Because New York requires experience rating, this means that low rates have a higher service percentage while high rates have a low one. This results in the creditor receiving roughly the same up-front compensation regardless of the rate level. Commissions may not be paid to the creditor, regardless of whether or not they are a licensed insurance agent. They may be paid to any other licensed insurance agent (not affiliated with the creditor) for the solicitation of the group policy. For both of these, it is required that the rates remain self-supporting. At our loss ratio levels, this is a significant restriction.”

(p) The commissioner is required to set the rates for the auto dealer class of business every three years based on inter-company Massachusetts experience. For the period Jan. 1, 2008, through Dec. 31, 2010, the auto dealer rates are: life: $.46 per $1,000 per month for single life insurance and $.74 per $1,000 per month for joint life insurance. A&H: single premium rates for each $100 of initial insured indebtedness are $.49 per annum for each of the first four years of the term of coverage, $.35 per annum for each of the next three years of the term of coverage, and $.18 per annum for each year of coverage thereafter.

Rates and rate deviations for non-auto dealer classes of business are determined based on company experience and are subject to disapproval by the commissioner. (q) Section 1153.103(e), Texas Insurance Code: In determining the presumptive premium rate, the commissioner may not set or limit the amount of compensation actually paid by a company to

an agent but may request from an insurer or agent any relevant data relating to the presumptive premium rate, including information relating to compensation paid for the sale of credit insurance, expenses, losses, and profits. An insurer or agent shall provide the requested information to the commissioner in a timely manner. Section 1153.105 permits an insurer electing to deviate from the presumptive rate to file with the commissioner, for informational purposes, rates that are within +/–30% of the presumptive rates. Rates that deviate by more than +/– 30% of the presumptive rates must be filed with the commissioner for approval.

(r) Range of rates given represents the single premium prima facie rates for the following types of coverage: 30-day non-retroactive, 30-day retroactive, 14-day non-retroactive, 14-day retroactive, for a loan duration period of 12 months.

(s) Class of Business E consists of dealers, including auto and truck, other dealers, and retail stores. © 2016 National Association of Insurance Commissioners

113

Table 1


As of June 2016 (t) Minnesota: Effective Jan. 1, 2010, the prima facie rates for credit A&H insurance were reduced 28%, and the standard benefits were enriched for credit life and credit A&H insurance. The

rates will be adjusted effective January 1, 2016 based on statewide experience relative to the 50% minimum loss ratio. (u) Regulation 9 was adopted in Rhode Island, making the rates final. (v) Colorado requires that credit insurance not directly written by a state or national bank MUST use the component-based rates and CANNOT use the 40% loss ratio standard. The only

exception is if the plan offers benefits and differs materially from those provided in the component-based rates; then 40% loss ratio standard must be used. For credit insurance directly written by a state or national bank, the insurer has the option of either using the component-based rates or developing their own rates based on the 40% loss ratio standard.

(w) The range listed is for 12 months of indebtedness and reflects rates for retro and non-retro benefits. Missouri has a broader range of prima facie rates, with varying periods of indebtedness (range from one month to 120 months).

(x) Range of rates given represents single premium prima facie rates for: 30 day non-retroactive; 30 day retroactive; 14 day non-retroactive; 14 day retroactive and 7 day retroactive elimination periods for a loan duration period of 6 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).


The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory supportorganization created and governed by the chief insuranceregulators from the 50 states, the District of Columbia and fiveU.S. territories. Through the NAIC, state insurance regulatorsestablish standards and best practices, conduct peer review,and coordinate their regulatory oversight. NAIC staff supportsthese efforts and represents the collective views of stateregulators domestically and internationally. NAIC members,together with the central resources of the NAIC, form thenational system of state-based insurance regulation in the U.S.

For more information, visit www.naic.org.

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