Consumer Complaint Index

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Download entire 2013 Consumer Complaint Report


The DIFP complaint index measures how many complaints the department received for a consecutive three-year period relative to the amount of product-specific premium a Missouri licensed company experienced that same period. For instance, if a company issues both homeowners and automobile insurance policies, the data would be segmented into a homeowner complaint index and an automobile complaint index.

The higher the index number, the worse the complaint record:

The DIFP encourages consumers to use the complaint index as a "tiebreaker" in choosing an insurance policy - after carefully considering individual insurance needs, benefits, premium costs, service and other factors in your purchasing decision. You can also search complaints by reason.

Line of Insurance:
Company Name:
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Three-year period ending:

The complaint index compares the ratio of complaints to premium sales for each company to the industry average, for each line of business. The formula is:

Complaint index formula

 

2009 Complaint Index
An index of 100 is considered average

Company Name Average Annual
Premium Volume
2007-2009
Market Share
2007-2009
Number of Complaints
2007-2009
Complaint
Index
1 FIDELITY & GUARANTY LIFE INSURANCE COMPANY $38,746,685 0.50% 20 290
2 FIDELITY INVESTMENTS LIFE INSURANCE COMPANY $20,691,348 0.27% 1 27
3 FIDELITY LIFE ASSOCIATION A LEGAL RESERVE LIFE INSURANCE COMPANY $844,138 0.01% 2 1330
4 FIDELITY SECURITY LIFE INSURANCE COMPANY $9,798,365 0.13% 3 172
Subtotal for Selection: $70,080,5360.91%26
Total for Entire Market: $7,706,501,685 100.00% 1373

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