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Company Details
THE RELIABLE LIFE INSURANCE COMPANY License Status :
Active
NAIC Number :
68357
Phone Number:
314-230-0134
Company Address:
12115 LACKLAND RD
ST LOUIS, MO 63146
Description:
Life and Health
License Number:
A419846
Date Admitted:
1912-01-19
Market Share
Link to Supplemental Data Page
| Year | Line | Market Share | Direct Premium Earned | Direct Premium Written | Direct Losses Paid | Direct Losses Incurred | Loss Ratio |
|---|---|---|---|---|---|---|---|
| 2018 | Total Accident & Health | 0.00% | $312,082 | $311,979 | $103,279 | $123,206 | 39.49 % |
| 2018 | Total Individual Accident & Health | 0.00% | $312,082 | $311,979 | $102,879 | $123,333 | 39.53 % |
| 2018 | Individual Specified Disease | 0.02% | $144,404 | $144,174 | $41,112 | $38,448 | 26.67 % |
| 2018 | Individual Accident Only | 0.03% | $160,831 | $160,826 | $61,383 | $84,501 | 52.54 % |
| 2018 | Individual Limited Benefit | 0.00% | $6,847 | $6,979 | $384 | $384 | 5.50 % |
| 2018 | Total Group Accident & Health | 0.00% | $0 | $0 | $400 | $-127 | N/A |
| 2018 | Group Disability Income | 0.00% | $0 | $0 | $400 | $-127 | N/A |
| 2018 | Total Life | 0.02% | $9,914,796 | $0 | $9,830,263 | $0 | N/A |
| 2018 | Total Individual Life | 0.04% | $9,914,796 | $0 | $9,689,416 | $0 | N/A |
| 2018 | Individual Whole Life | 0.31% | $7,255,518 | $0 | $8,266,014 | $0 | N/A |
| 2018 | Individual Term Life | 0.03% | $541,151 | $0 | $260,146 | $0 | N/A |
| 2018 | Individual Graded Death Benefits | 4.32% | $2,118,127 | $0 | $1,163,256 | $0 | N/A |
| 2018 | Individual Ordinary Annuities | 0.00% | $0 | $0 | $0 | $0 | N/A |
| 2018 | Total Group Life | 0.00% | $0 | $0 | $140,847 | $0 | N/A |
| 2018 | Group Whole Life | 0.00% | $0 | $0 | $0 | $0 | N/A |
| 2018 | Group Ordinary Annuities | 0.00% | $0 | $0 | $140,847 | $0 | N/A |
| 2017 | Total Accident & Health | 0.00% | $318,304 | $320,035 | $125,123 | $127,753 | 39.92 % |
| 2017 | Total Individual Accident & Health | 0.00% | $318,304 | $320,035 | $124,523 | $127,664 | 39.89 % |
| 2017 | Individual Specified Disease | 0.04% | $142,028 | $142,821 | $55,000 | $76,782 | 53.76 % |
| 2017 | Individual Accident Only | 0.07% | $168,558 | $169,497 | $68,135 | $49,396 | 29.14 % |
| 2017 | Individual Limited Benefit | 0.01% | $7,718 | $7,717 | $1,388 | $1,486 | 19.26 % |
| 2017 | Total Group Accident & Health | 0.00% | $0 | $0 | $600 | $89 | N/A |
| 2017 | Group Disability Income | 0.00% | $0 | $0 | $600 | $89 | N/A |
| 2017 | Total Life | 0.05% | $9,903,561 | $0 | $10,352,410 | $0 | N/A |
| 2017 | Total Individual Life | 0.08% | $9,903,561 | $0 | $10,181,984 | $0 | N/A |
| 2017 | Individual Whole Life | 0.63% | $7,238,280 | $0 | $8,055,742 | $0 | N/A |
| 2017 | Individual Term Life | 0.06% | $580,822 | $0 | $640,029 | $0 | N/A |
| 2017 | Individual Graded Death Benefits | 9.81% | $2,084,459 | $0 | $1,486,213 | $0 | N/A |
| 2017 | Individual Ordinary Annuities | 0.00% | $0 | $0 | $0 | $0 | N/A |
| 2017 | Total Group Life | 0.00% | $0 | $0 | $170,426 | $0 | N/A |
| 2017 | Group Whole Life | 0.00% | $0 | $0 | $0 | $0 | N/A |
| 2017 | Group Ordinary Annuities | 0.00% | $0 | $0 | $170,426 | $0 | N/A |
| 2016 | Total Accident & Health | 0.00% | $326,462 | $327,286 | $89,021 | $91,340 | 27.91 % |
| 2016 | Total Individual Accident & Health | 0.00% | $326,462 | $327,286 | $86,182 | $91,084 | 27.83 % |
| 2016 | Individual Specified Disease | 0.05% | $141,083 | $141,149 | $20,000 | $7,201 | 5.10 % |
| 2016 | Individual Accident Only | 0.07% | $176,125 | $176,479 | $64,497 | $82,755 | 46.89 % |
| 2016 | Individual Limited Benefit | 0.01% | $9,254 | $9,658 | $1,685 | $1,128 | 11.68 % |
| 2016 | Total Group Accident & Health | 0.00% | $0 | $0 | $2,839 | $256 | N/A |
| 2016 | Group Disability Income | 0.00% | $0 | $0 | $2,839 | $256 | N/A |
| 2016 | Total Life | 0.04% | $9,945,546 | $0 | $8,968,916 | $0 | N/A |
| 2016 | Total Individual Life | 0.07% | $9,945,546 | $0 | $8,776,557 | $0 | N/A |
| 2016 | Individual Whole Life | 0.63% | $7,181,451 | $0 | $7,127,194 | $0 | N/A |
| 2016 | Individual Term Life | 0.08% | $729,009 | $0 | $406,175 | $0 | N/A |
| 2016 | Individual Graded Death Benefits | 10.36% | $2,035,086 | $0 | $1,243,188 | $0 | N/A |
| 2016 | Individual Ordinary Annuities | 0.00% | $0 | $0 | $0 | $0 | N/A |
| 2016 | Total Group Life | 0.00% | $0 | $0 | $192,359 | $0 | N/A |
| 2016 | Group Whole Life | 0.00% | $0 | $0 | $0 | $0 | N/A |
| 2016 | Group Ordinary Annuities | 0.00% | $0 | $0 | $192,359 | $0 | N/A |
Enforcements
The department has not taken enforcement action against this company in the past three years.
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2018 | Health | 0.00% | 2 | 1388 |
| 2018 | Life and Annuities | 0.11% | 79 | 6559 |
| 2017 | Health | 0.00% | 1 | 593 |
| 2017 | Life and Annuities | 0.11% | 91 | 7272 |
| 2016 | Health | 0.00% | 1 | 513 |
| 2016 | Life and Annuities | 0.10% | 92 | 7507 |
Company Changes
Effective Date: 12/01/2003
Comments: Clayton Reinsurance LTD merged with and into The Reliable Life Insurance Co.
Effective Date: 06/12/2015
Comments:
Effective Date: 02/02/2016
Comments:
Market Conduct
Date: 02/02/2016
Financial Exams
Date: 06/12/2015