California · Individual Life · 2026 study
California individual life insurance complaints by company, 2026 study
The California Department of Insurance's 2026 study ranks the 50 largest individual life insurers by their 2025 justified complaint ratio, with 2024 and 2023 for comparison. Rank 1 has the lowest ratio.
How to read the California complaint study
The California Department of Insurance ranks large insurers by justified complaints per 100,000 earned exposures (auto and homeowners) or per 100,000 mean policies in force (individual life). CDI counts a complaint as justified under the definitions in California Insurance Code section 12921.1. The study covers the top 50 companies in each line and counts complaints closed in each year.
| 1 | Northwestern Mutual Life Insurance Company (The) | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 371,324 |
| 2 | Globe Life and Accident Insurance Company | 0.0 | 0.7 | 2.1 | 0 | 2 | 6 | 273,904 |
| 3 | Lincoln Heritage Life Insurance Company | 0.0 | 0.0 | 0.9 | 0 | 0 | 2 | 217,835 |
| 4 | Lincoln National Life Insurance Company (The) | 0.0 | 1.8 | 1.2 | 0 | 3 | 2 | 159,746 |
| 5 | Pruco Life Insurance Company | 0.0 | 0.0 | 0.6 | 0 | 0 | 1 | 157,741 |
| 6 | American Fidelity Assurance Company | 0.0 | 0.0 | 0.9 | 0 | 0 | 1 | 127,574 |
| 7 | Texas Life Insurance Company | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 112,729 |
| 8 | USAA Life Insurance Company | 0.0 | 0.0 | 0.9 | 0 | 0 | 1 | 109,443 |
| 9 | Fidelity & Guaranty Life Insurance Company | 0.0 | 1.1 | 3.6 | 0 | 1 | 3 | 99,217 |
| 10 | Ia American Life Insurance Company | 0.0 | 1.6 | 0.0 | 0 | 1 | 0 | 60,506 |
| 11 | Principal National Life Insurance Company | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 45,760 |
| 12 | Guardian Life Insurance Company of America (The) | 0.0 | 0.0 | 2.6 | 0 | 0 | 1 | 37,827 |
| 13 | State Farm Life Insurance Company | 0.1 | 0.0 | 0.0 | 1 | 0 | 0 | 668,140 |
| 14 | New York Life Insurance Company | 0.7 | 0.2 | 0.3 | 4 | 1 | 2 | 584,130 |
| 15 | Banner Life Insurance Company | 0.7 | 0.8 | 0.0 | 1 | 1 | 0 | 139,118 |
| 16 | Gerber Life Insurance Company | 0.8 | 0.0 | 0.4 | 2 | 0 | 1 | 238,407 |
| 17 | United Insurance Company of America | 0.9 | 1.7 | 0.6 | 1 | 2 | 1 | 115,833 |
| 18 | Primerica Life Insurance Company | 0.9 | 0.2 | 0.2 | 4 | 1 | 1 | 445,491 |
| 19 | United of Omaha Life Insurance Company | 0.9 | 0.5 | 0.0 | 2 | 1 | 0 | 220,277 |
| 20 | John Hancock Life Insurance Company (U.S.A.) | 1.0 | 1.9 | 4.5 | 1 | 2 | 5 | 101,535 |
| 21 | Life Insurance Company of the Southwest | 1.0 | 1.5 | 0.0 | 3 | 4 | 0 | 296,717 |
| 22 | Cmfg Life Insurance Company | 1.2 | 0.0 | 1.4 | 1 | 0 | 1 | 81,110 |
| 23 | Lincoln Benefit Life Company | 1.3 | 1.2 | 1.1 | 1 | 1 | 1 | 79,774 |
| 24 | Massachusetts Mutual Life Insurance Company | 1.3 | 0.6 | 1.3 | 2 | 1 | 2 | 156,115 |
| 25 | Brighthouse Life Insurance Company | 1.4 | 2.7 | 0.0 | 1 | 2 | 0 | 70,293 |
| 26 | Colonial Life & Accident Insurance Company | 1.4 | 0.0 | 0.0 | 1 | 0 | 0 | 69,539 |
| 27 | Midland National Life Insurance Company | 1.6 | 1.6 | 0.0 | 1 | 1 | 0 | 60,908 |
| 28 | Protective Life Insurance Company | 1.7 | 2.1 | 0.7 | 3 | 3 | 1 | 173,858 |
| 29 | AAA Life Insurance Company | 1.8 | 2.6 | 1.9 | 5 | 7 | 5 | 284,249 |
| 30 | Farmers New World Life Insurance Company | 1.8 | 0.8 | 0.8 | 7 | 3 | 3 | 380,517 |
| 31 | Equitable Financial Life Insurance Company | 1.9 | 0.0 | 5.0 | 1 | 0 | 3 | 53,565 |
| 32 | American General Life Insurance Company | 2.1 | 2.5 | 1.1 | 9 | 11 | 5 | 431,949 |
| 33 | Ameritas Life Insurance Corp. | 2.6 | 2.6 | 0.0 | 1 | 1 | 0 | 38,787 |
| 34 | Nationwide Life and Annuity Insurance Company | 2.8 | 2.0 | 0.0 | 3 | 2 | 0 | 105,469 |
| 35 | Reliastar Life Insurance Company | 2.9 | 2.7 | 6.4 | 2 | 2 | 5 | 69,468 |
| 36 | Metropolitan Life Insurance Company | 3.0 | 2.1 | 3.1 | 4 | 3 | 5 | 133,668 |
| 37 | American Income Life Insurance Company | 3.1 | 1.2 | 1.2 | 11 | 4 | 4 | 358,297 |
| 38 | Pacific Life Insurance Company | 3.1 | 1.1 | 1.2 | 3 | 1 | 1 | 96,350 |
| 39 | American National Insurance Company | 3.2 | 0.6 | 1.0 | 5 | 1 | 2 | 157,964 |
| 40 | Provident Life and Accident Insurance Company | 3.4 | 0.0 | 0.0 | 2 | 0 | 0 | 58,892 |
| 41 | North American Company for Life and Health Insurance | 3.8 | 0.0 | 0.0 | 2 | 0 | 0 | 53,305 |
| 42 | American Family Life Assurance Company of Columbus | 3.9 | 2.0 | 0.0 | 2 | 1 | 0 | 51,208 |
| 43 | New York Life Insurance and Annuity Corporation | 4.2 | 0.0 | 0.0 | 3 | 0 | 0 | 72,273 |
| 44 | Jackson National Life Insurance Company | 4.9 | 4.5 | 4.0 | 2 | 2 | 2 | 41,049 |
| 45 | Prudential Insurance Company of America (The) | 5.0 | 2.4 | 1.6 | 7 | 4 | 3 | 141,100 |
| 46 | Transamerica Life Insurance Company | 5.8 | 4.3 | 2.4 | 32 | 24 | 14 | 552,140 |
| 47 | Bankers Life and Casualty Company | 6.9 | 4.6 | 4.5 | 3 | 2 | 2 | 43,258 |
| 48 | Americo Financial Life and Annuity Insurance Company | 7.2 | 0.0 | 0.0 | 3 | 0 | 0 | 41,393 |
| 49 | Everlake Life Insurance Company | 9.9 | 0.0 | 0.0 | 4 | 0 | 0 | 40,464 |
| 50 | Genworth Life and Annuity Insurance Company | 10.8 | 0.0 | 2.5 | 7 | 0 | 2 | 64,735 |
Select a heading to sort. Names are as the regulator printed them. Linked companies also appear in other regulators' data on this site.
Sources
Checked 29 October 2026. Complaint records show only complaints filed with the regulator. They are one signal among many and do not rate claims handling, price or financial strength.