Oregon · Health · 2024
Oregon health insurance complaints by company, 2024
Oregon listed 267 companies with health premium in 2024, with 106 confirmed complaints and 577 complaints in all. Largest premium first.
How to read the Oregon complaint index
The Oregon Division of Financial Regulation lists every company with Oregon premium in a line, including companies with no complaints, with total and confirmed complaints opened in the year. Oregon's files do not define the complaint index. Recomputing it closely matches (within 3%) a company's share of confirmed complaints divided by its share of premium in the table, so 1.00 is average and 0 means no confirmed complaints. A few companies report negative premium, which can produce a negative or extreme index. We show these as published. For small companies one or two complaints move the index a lot.
| Kaiser Foundation Health Plan of the Northwest | 0.70 | 22 | 62 | $2,606,959,907 |
| Regence Bluecross Blueshield of Oregon | 0.50 | 8 | 112 | $1,326,606,845 |
| Providence Health Plan | 0.74 | 11 | 75 | $1,225,475,666 |
| Pacificsource Health Plans | 1.21 | 9 | 38 | $611,670,030 |
| Unitedhealthcare Insurance Company | 2.21 | 14 | 50 | $521,863,750 |
| Moda Health Plan, Inc. | 1.27 | 8 | 68 | $519,853,021 |
| Cigna Health and Life Insurance Company | 0.63 | 2 | 21 | $263,128,723 |
| Standard Insurance Company | 0.00 | 0 | 21 | $177,807,107 |
| Aetna Life Insurance Company | 1.99 | 4 | 10 | $166,004,103 |
| Oregon Dental Service | 3.14 | 5 | 14 | $131,324,366 |
| Metropolitan Life Insurance Company | 2.42 | 3 | 6 | $102,426,760 |
| Willamette Dental Insurance, Inc. | 0.00 | 0 | 1 | $69,297,547 |
| Principal Life Insurance Company | 0.00 | 0 | 2 | $62,776,459 |
| Sun Life Assurance Company of Canada | 0.00 | 0 | 0 | $60,485,147 |
| Health Net Health Plan of Oregon, Inc. | 3.23 | 2 | 4 | $51,072,090 |
| American Family Life Assurance Company of Columbus | 3.32 | 2 | 10 | $49,765,657 |
| Life Insurance Company of North America | 0.00 | 0 | 0 | $47,224,759 |
| Guardian Life Insurance Company of America (The) | 1.88 | 1 | 4 | $43,877,702 |
| Hartford Life and Accident Insurance Company | 1.92 | 1 | 4 | $43,006,008 |
| American Fidelity Assurance Company | 0.00 | 0 | 2 | $40,000,480 |
| Manhattanlife Insurance and Annuity Company | 0.00 | 0 | 1 | $38,977,216 |
| Unum Life Insurance Company of America | 0.00 | 0 | 4 | $34,284,568 |
| United of Omaha Life Insurance Company | 0.00 | 0 | 0 | $31,573,074 |
| Lincoln National Life Insurance Company (The) | 5.29 | 2 | 3 | $31,172,716 |
| United World Life Insurance Company | 0.00 | 0 | 1 | $29,166,251 |
| Vision Service Plan Insurance Company | 0.00 | 0 | 0 | $26,009,998 |
| Ameritas Life Insurance Corporation | 0.00 | 0 | 5 | $23,819,352 |
| Omaha Insurance Company | 0.00 | 0 | 0 | $19,982,678 |
| Unum Insurance Company | 4.21 | 1 | 2 | $19,589,621 |
| Reliastar Life Insurance Company | 0.00 | 0 | 0 | $18,963,581 |
| Prudential Insurance Company of America | 0.00 | 0 | 2 | $15,771,528 |
| Northwestern Mutual Life Insurance Co | 0.00 | 0 | 0 | $15,345,657 |
| Hcc Life Insurance Company | 0.00 | 0 | 0 | $14,368,785 |
| Tier One Insurance Company | 0.00 | 0 | 0 | $13,616,468 |
| Loyal American Life Insurance Company | 0.00 | 0 | 1 | $12,835,213 |
| Transamerica Life Insurance Company | 6.54 | 1 | 3 | $12,623,617 |
| Colonial Life & Accident Insurance Company | 0.00 | 0 | 0 | $11,460,023 |
| Berkshire Life Insurance Company of America | 0.00 | 0 | 0 | $10,636,060 |
| Symetra Life Insurance Company | 0.00 | 0 | 0 | $10,568,048 |
| USAA Life Insurance Company | 0.00 | 0 | 1 | $10,523,045 |
| Reliance Standard Life Insurance Company | 0.00 | 0 | 0 | $10,080,281 |
| Continental American Insurance Company | 0.00 | 0 | 2 | $9,810,392 |
| Samaritan Health Plans, Inc. | 0.00 | 0 | 1 | $9,782,126 |
| Provident Life & Accident Insurance Company | 0.00 | 0 | 0 | $8,811,005 |
| Providence Health Assurance | 0.00 | 0 | 0 | $7,942,283 |
| Berkley Life and Health Insurance Company | 0.00 | 0 | 0 | $7,589,533 |
| Lifemap Assurance Company | 0.00 | 0 | 0 | $7,495,695 |
| Companion Life Insurance Company | 0.00 | 0 | 0 | $7,344,652 |
| Mutual of Omaha Insurance Company | 0.00 | 0 | 4 | $7,335,645 |
| Minnesota Life Insurance Company | 0.00 | 0 | 1 | $6,084,393 |
| Securian Life Insurance Company | 0.00 | 0 | 0 | $5,543,278 |
| Dentegra Insurance Company | 30.21 | 2 | 2 | $5,462,919 |
| Massachusetts Mutual Life Insurance Company | 0.00 | 0 | 0 | $4,734,855 |
| Continental Life Insurance Company of Brentwood, Tennessee | 0.00 | 0 | 0 | $4,184,222 |
| Shelterpoint Insurance Company | 0.00 | 0 | 0 | $4,125,005 |
| Cmfg Life Insurance Company | 0.00 | 0 | 0 | $3,820,437 |
| Bankers Life and Casualty Company | 0.00 | 0 | 2 | $3,815,245 |
| Lumico Life Insurance Company | 0.00 | 0 | 0 | $3,813,741 |
| United American Insurance Company | 0.00 | 0 | 1 | $3,736,382 |
| National Health Insurance Company | 0.00 | 0 | 2 | $3,709,799 |
| Humana Insurance Company | 0.00 | 0 | 2 | $3,695,631 |
| Timber Products Manufacturers Trust | 0.00 | 0 | 0 | $3,666,653 |
| Individual Assurance Company, Life, Health & Accident | 0.00 | 0 | 0 | $3,659,618 |
| Usable Life Dba Usable Life Insurance Company | 0.00 | 0 | 0 | $3,491,518 |
| Chesapeake Life Insurance Company (The) | 0.00 | 0 | 0 | $3,423,345 |
| American Heritage Life Insurance Company | 0.00 | 0 | 0 | $3,363,916 |
| Family Heritage Life Insurance Company of America | 0.00 | 0 | 0 | $2,998,165 |
| Combined Insurance Company of America | 0.00 | 0 | 0 | $2,960,968 |
| Starmount Life Insurance Company | 0.00 | 0 | 1 | $2,838,238 |
| Colonial Penn Life Insurance Company | 0.00 | 0 | 0 | $2,684,480 |
| Physicians Mutual Insurance Company | 0.00 | 0 | 1 | $2,485,756 |
| Accendo Insurance Company | 0.00 | 0 | 0 | $2,268,596 |
| National Guardian Life Insurance Company | 0.00 | 0 | 0 | $2,193,156 |
| Trustmark Life Insurance Company | 0.00 | 0 | 0 | $2,041,647 |
| Bridgespan Health Company | 0.00 | 0 | 2 | $1,994,369 |
| Washington National Insurance Company | 0.00 | 0 | 1 | $1,965,791 |
| Equitable Financial Life Insurance Company of America | 0.00 | 0 | 0 | $1,883,988 |
| Manhattan Life Insurance Company (The) | 0.00 | 0 | 2 | $1,857,734 |
| American Income Life Insurance Company | 0.00 | 0 | 0 | $1,824,788 |
| Sterling Life Insurance Company | 0.00 | 0 | 0 | $1,787,098 |
| Riversource Life Insurance Company | 0.00 | 0 | 0 | $1,769,666 |
| Standard Life and Accident Insurance Company | 93.59 | 2 | 4 | $1,763,255 |
| Assurity Life Insurance Company | 0.00 | 0 | 0 | $1,627,865 |
| Union Labor Life Insurance Company | 0.00 | 0 | 0 | $1,592,288 |
| New York Life Insurance Company | 0.00 | 0 | 0 | $1,590,763 |
| Guarantee Trust Life Insurance Company | 103.84 | 2 | 3 | $1,589,229 |
| Fidelity Security Life Insurance Company | 0.00 | 0 | 0 | $1,549,706 |
| Thrivent Financial for Lutherans | 0.00 | 0 | 1 | $1,478,332 |
| Medico Insurance Company | 0.00 | 0 | 0 | $1,439,413 |
| American National Life Insurance Company of Texas | 0.00 | 0 | 0 | $1,422,206 |
| Puritan Life Insurance Company of America | 0.00 | 0 | 0 | $1,381,732 |
| Dominion Dental Services, Inc. Dba Dominion National | 0.00 | 0 | 0 | $1,234,928 |
| Pan-American Life Insurance Company | 0.00 | 0 | 0 | $1,206,954 |
| Hm Life Insurance Company | 0.00 | 0 | 0 | $1,147,151 |
| Golden Rule Insurance Company | 0.00 | 0 | 2 | $1,098,791 |
| Unified Life Insurance Company | 0.00 | 0 | 0 | $978,733 |
| Silac Insurance Company | 0.00 | 0 | 0 | $974,783 |
| Best Life and Health Insurance Company | 0.00 | 0 | 0 | $779,950 |
| Kansas City Life Insurance Company | 0.00 | 0 | 0 | $771,843 |
| Globe Life and Accident Insurance Company | 0.00 | 0 | 1 | $771,216 |
| Gerber Life Insurance Company | 0.00 | 0 | 0 | $743,553 |
| Dental Health Services, Inc. | 122.56 | 1 | 5 | $673,210 |
| Everence Association, Inc. | 0.00 | 0 | 0 | $663,111 |
| Philadelphia American Life Insurance Company | 0.00 | 0 | 0 | $659,747 |
| Country Life Insurance Company | 0.00 | 0 | 0 | $645,982 |
| United Heritage Life Insurance Company | 0.00 | 0 | 0 | $631,482 |
| Gpm Health and Life Insurance Company | 0.00 | 0 | 0 | $628,563 |
| American Health and Life Insurance Company | 0.00 | 0 | 0 | $612,774 |
| American Republic Insurance Company | 0.00 | 0 | 0 | $605,366 |
| Plateau Insurance Company | 0.00 | 0 | 0 | $576,301 |
| Federated Life Insurance Company | 0.00 | 0 | 0 | $572,376 |
| Renaissance Life & Health Insurance Company of America | 0.00 | 0 | 0 | $556,138 |
| First Health Life & Health Insurance Company | 0.00 | 0 | 0 | $554,702 |
| Augustar Life Assurance Corporation | 0.00 | 0 | 0 | $549,587 |
| Nationwide Life Insurance Company | 0.00 | 0 | 2 | $547,426 |
| Garden State Life Insurance Company | 0.00 | 0 | 0 | $526,430 |
| United Concordia Insurance Company | 0.00 | 0 | 1 | $470,967 |
| Farmers New World Life Insurance Company | 0.00 | 0 | 0 | $469,120 |
| American General Life Insurance Company | 0.00 | 0 | 0 | $401,127 |
| Paul Revere Life Insurance Company | 0.00 | 0 | 0 | $361,623 |
| Unimerica Insurance Company | 0.00 | 0 | 0 | $356,864 |
| Illinois Mutual Life Insurance Company | 0.00 | 0 | 0 | $351,000 |
| Health Care Service Corporation, A Mutual Legal Reserve Company | 0.00 | 0 | 0 | $332,029 |
| AAA Life Insurance Company | 0.00 | 0 | 0 | $329,983 |
| 4 Ever Life Insurance Company | 0.00 | 0 | 0 | $268,985 |
| Protective Life Insurance Company | 0.00 | 0 | 0 | $264,935 |
| American Republic Corp Insurance Company | 0.00 | 0 | 0 | $253,817 |
| Aetna Health and Life Insurance Company | 0.00 | 0 | 0 | $252,334 |
| Lincoln Life & Annuity Company of New York | 0.00 | 0 | 0 | $251,123 |
| Continental General Insurance Company | 0.00 | 0 | 0 | $246,040 |
| Reliastar Life Insurance Company of New York | 0.00 | 0 | 0 | $245,021 |
| Sterling Investors Life Insurance Company | 0.00 | 0 | 0 | $242,838 |
| Idealife Insurance Company | 351.42 | 1 | 1 | $234,795 |
| American Retirement Life Insurance Company | 0.00 | 0 | 0 | $220,455 |
| Freedom Life Insurance Company of America | 0.00 | 0 | 0 | $217,724 |
| Lifesecure Insurance Company | 0.00 | 0 | 0 | $204,716 |
| Nassau Life Insurance Company of Kansas | 0.00 | 0 | 0 | $203,980 |
| Oxford Life Insurance Company | 0.00 | 0 | 0 | $197,275 |
| American United Life Insurance Company | 0.00 | 0 | 1 | $195,279 |
| Madison National Life Insurance Company, Inc. | 0.00 | 0 | 0 | $188,647 |
| Sentinel Security Life Insurance Company | 0.00 | 0 | 0 | $180,654 |
| Union Fidelity Life Insurance Company | 0.00 | 0 | 0 | $172,634 |
| Provident American Life & Health Insurance Company | 0.00 | 0 | 0 | $142,566 |
| Heartland National Life Insurance Company | 0.00 | 0 | 0 | $133,873 |
| Mony Life Insurance Company | 0.00 | 0 | 0 | $131,509 |
| Bankers Fidelity Life Insurance Company | 0.00 | 0 | 0 | $127,825 |
| Government Personnel Mutual Life Insurance Company | 0.00 | 0 | 0 | $125,877 |
| State Mutual Insurance Company | 0.00 | 0 | 0 | $122,585 |
| 5 Star Life Insurance Company | 0.00 | 0 | 0 | $121,186 |
| Physicians Life Insurance Company | 0.00 | 0 | 0 | $120,791 |
| Independent Order of Foresters | 0.00 | 0 | 0 | $114,676 |
| Talcott Resolution Life Insurance Company | 0.00 | 0 | 0 | $107,943 |
| Medico Corp Life Insurance Company | 0.00 | 0 | 0 | $105,292 |
| Aetna Health Insurance Company | 0.00 | 0 | 0 | $103,526 |
| American Public Life Insurance Company | 0.00 | 0 | 0 | $84,328 |
| Life of the South Insurance Company | 0.00 | 0 | 0 | $83,184 |
| Woodmen of the World Life Insurance Society | 0.00 | 0 | 0 | $80,135 |
| Trustmark Insurance Company | 0.00 | 0 | 0 | $80,030 |
| Augustar Life Insurance Company | 0.00 | 0 | 0 | $79,224 |
| National Teachers Associates Life Insurance Company | 0.00 | 0 | 0 | $74,001 |
| Centre Life Insurance Company | 0.00 | 0 | 0 | $70,904 |
| Family Life Insurance Company | 0.00 | 0 | 0 | $67,322 |
| Genworth Life and Annuity Insurance Company | 0.00 | 0 | 0 | $59,641 |
| Delaware American Life Insurance Company | 0.00 | 0 | 0 | $56,883 |
| United States Life Insurance Company in the City of New York (The) | 0.00 | 0 | 0 | $54,705 |
| Assured Life Association | 0.00 | 0 | 0 | $53,169 |
| National Foundation Life Insurance Company | 0.00 | 0 | 0 | $51,422 |
| Athene Annuity and Life Company | 0.00 | 0 | 0 | $51,419 |
| Equitable Financial Life Insurance Company | 0.00 | 0 | 0 | $47,841 |
| Empower Annuity Insurance Company of America | 0.00 | 0 | 0 | $47,302 |
| Knights of Columbus | 0.00 | 0 | 0 | $45,793 |
| Union Security Insurance Company | 0.00 | 0 | 0 | $44,409 |
| Reserve National Insurance Company | 0.00 | 0 | 0 | $43,328 |
| Liberty National Life Insurance Company | 0.00 | 0 | 0 | $36,350 |
| Mid-West National Life Insurance Company of Tennessee | 0.00 | 0 | 0 | $32,298 |
| Western United Life Insurance Company | 0.00 | 0 | 0 | $30,672 |
| National Life Insurance Company | 0.00 | 0 | 0 | $29,849 |
| Everlake Life Insurance Company | 0.00 | 0 | 0 | $29,203 |
| Allcare Health Plan, Inc. | 0.00 | 0 | 0 | $28,918 |
| Sun Life and Health Insurance Company (U.S.) | 0.00 | 0 | 0 | $27,795 |
| Cigna National Health Insurance Company | 0.00 | 0 | 0 | $26,971 |
| Dearborn Life Insurance Company | 0.00 | 0 | 0 | $26,818 |
| Transamerica Financial Life Insurance Company | 0.00 | 0 | 0 | $23,982 |
| Jackson National Life Insurance Company | 0.00 | 0 | 0 | $23,250 |
| Americo Financial Life and Annuity Insurance Company | 0.00 | 0 | 0 | $22,373 |
| Zurich American Life Insurance Company | 0.00 | 0 | 0 | $21,347 |
| Nippon Life Insurance Company of America | 0.00 | 0 | 0 | $18,477 |
| Southern Guaranty Insurance Company | 0.00 | 0 | 0 | $16,644 |
| Monarch Life Insurance Company | 0.00 | 0 | 0 | $16,121 |
| Forethought Life Insurance Company | 0.00 | 0 | 0 | $15,699 |
| Boston Mutual Life Insurance Company | 0.00 | 0 | 0 | $15,478 |
| Central States Health & Life Co of Omaha | 0.00 | 0 | 0 | $14,439 |
| Massmutual Ascend Life Insurance Company | 0.00 | 0 | 0 | $13,280 |
| Wilcac Life Insurance Company | 0.00 | 0 | 0 | $13,025 |
| Genworth Life Insurance Company | 0.00 | 0 | 1 | $12,737 |
| Unitedhealthcare Life Insurance Company | 0.00 | 0 | 0 | $12,500 |
| Professional Insurance Company | 0.00 | 0 | 0 | $12,218 |
| New England Life Insurance Company | 0.00 | 0 | 0 | $11,806 |
| Canada Life Assurance Company (The) | 0.00 | 0 | 0 | $11,237 |
| Christian Fidelity Life Insurance Company | 0.00 | 0 | 0 | $10,927 |
| Elips Life Insurance Company | 0.00 | 0 | 0 | $10,512 |
| Enterprise Life Insurance Company | 0.00 | 0 | 0 | $10,296 |
| Great Southern Life Insurance Company | 0.00 | 0 | 0 | $10,184 |
| Lifeshield National Insurance Co. | 0.00 | 0 | 0 | $9,171 |
| Penn Mutual Life Insurance Company | 0.00 | 0 | 0 | $8,601 |
| Lincoln Heritage Life Insurance Company | 0.00 | 0 | 0 | $8,020 |
| Liberty Bankers Life Insurance Company | 0.00 | 0 | 0 | $6,699 |
| Royal Neighbors of America | 0.00 | 0 | 0 | $4,514 |
| Capitol Life Insurance Company | 0.00 | 0 | 0 | $4,479 |
| Banner Life Insurance Company | 0.00 | 0 | 0 | $4,238 |
| Standard Security Life Insurance Company of New York | 0.00 | 0 | 0 | $4,049 |
| American Financial Security Life Insurance Company | 0.00 | 0 | 0 | $4,010 |
| Medco Containment Life Insurance Company | 0.00 | 0 | 0 | $3,901 |
| Federal Life Insurance Company | 0.00 | 0 | 0 | $3,754 |
| United States Letter Carriers Mutual Benefit Association | 0.00 | 0 | 0 | $3,639 |
| Brighthouse Life Insurance Company | 0.00 | 0 | 0 | $3,602 |
| Western and Southern Life Insurance Company (The) | 0.00 | 0 | 0 | $2,984 |
| S.USA Life Insurance Company, Inc. | 0.00 | 0 | 0 | $2,686 |
| American Bankers Life Assurance Co of Florida | 0.00 | 0 | 0 | $2,599 |
| United Insurance Company of America | 0.00 | 0 | 0 | $2,026 |
| Sbli USA Life Insurance Company, Inc. | 0.00 | 0 | 0 | $1,868 |
| Shenandoah Life Insurance Company | 0.00 | 0 | 0 | $1,737 |
| Metropolitan Tower Life Insurance Company | 0.00 | 0 | 0 | $1,477 |
| Wilton Reassurance Life Company of New York | 0.00 | 0 | 0 | $1,341 |
| National Benefit Life Insurance Company | 0.00 | 0 | 0 | $1,103 |
| American Benefit Life Insurance Company | 0.00 | 0 | 0 | $1,056 |
| Talcott Resolution Life and Annuity Insurance Company | 0.00 | 0 | 0 | $810 |
| Cincinnati Life Insurance Company (The) | 0.00 | 0 | 0 | $771 |
| Central States Indemnity Co. of Omaha | 0.00 | 0 | 0 | $703 |
| Security Mutual Life Insurance Company of New York | 0.00 | 0 | 0 | $581 |
| Primerica Life Insurance Company | 0.00 | 0 | 0 | $475 |
| Fidelity Life Association, A Legal Reserve Life Insurance Company | 0.00 | 0 | 0 | $424 |
| Ability Insurance Company | 0.00 | 0 | 1 | $365 |
| Surety Life Insurance Company | 0.00 | 0 | 0 | $316 |
| Baltimore Life Insurance Company (The) | 0.00 | 0 | 0 | $299 |
| Emc National Life Company | 0.00 | 0 | 0 | $286 |
| Farm Bureau Life Insurance Company | 0.00 | 0 | 0 | $267 |
| Horace Mann Life Insurance Company | 0.00 | 0 | 0 | $232 |
| Security National Life Insurance Company | 0.00 | 0 | 0 | $196 |
| Commercial Travelers Life Insurance Company | 0.00 | 0 | 0 | $151 |
| Catholic Order of Foresters | 0.00 | 0 | 0 | $111 |
| American Progressive Life and Health Insurance Company of New York | 0.00 | 0 | 0 | $101 |
| Wysh Life and Health Insurance Company | 0.00 | 0 | 0 | $101 |
| American Memorial Life Insurance Company | 0.00 | 0 | 0 | $71 |
| State Farm Mutual Automobile Insurance Company | 0.00 | 0 | 0 | $67 |
| Croatian Fraternal Union of America | 0.00 | 0 | 0 | $46 |
| Allianz Life Insurance Company of North America | 0.00 | 0 | 0 | $30 |
| Jefferson National Life Insurance Company | 0.00 | 0 | 0 | $24 |
| North American Company for Life and Health Insurance | 0.00 | 0 | 0 | $15 |
| Health Net Life Insurance Company | Not given | 0 | 0 | $0 |
| John Hancock Life & Health Insurance Company | Not given | 0 | 0 | $0 |
| Lincoln Benefit Life Company | Not given | 0 | 0 | $0 |
| Medamerica Insurance Company | Not given | 0 | 0 | $0 |
| Northwestern Long Term Care Insurance Company | Not given | 0 | 0 | $0 |
| State Life Insurance Company (The) | Not given | 0 | 0 | $0 |
| Teachers Insurance and Annuity Association of America | Not given | 0 | 0 | $0 |
| Tiaa-Cref Life Insurance Company | Not given | 0 | 0 | $0 |
| United Security Assurance Company of Pennsylvania | Not given | 0 | 0 | $0 |
| John Alden Life Insurance Company | 0.00 | 0 | 0 | -$9 |
| Humanadental Insurance Company | 0.00 | 0 | 0 | -$74 |
| Old American Insurance Company | 0.00 | 0 | 0 | -$371 |
| Amalgamated Life Insurance Company | 0.00 | 0 | 0 | -$1,032 |
| Merit Life Insurance Co. | 0.00 | 0 | 0 | -$1,117 |
| Connecticut General Life Insurance Company | 0.00 | 0 | 0 | -$1,610 |
| American National Insurance Company | -52,942.54 | 2 | 3 | -$3,117 |
| John Hancock Life Insurance Company (U.S.A.) | 0.00 | 0 | 0 | -$10,888 |
| Nassau Life and Annuity Company | 0.00 | 0 | 0 | -$384,186 |
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.