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Company Details
THE RELIABLE LIFE INSURANCE COMPANY License Status :
Active
NAIC Number :
68357
Phone Number:
314-819-4486
Company Address:
120 S. CENTRAL AVE. SUITE 350
CLAYTON, MO 63105
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 Written | Direct Premium Earned | Direct Losses Paid | Direct Losses Incurred | Loss Ratio |
|---|---|---|---|---|---|---|---|
| 2019 | Total Accident & Health | 0.00% | $289,266 | $287,704 | $155,297 | $119,982 | 41.70 % |
| 2019 | Total Individual Accident & Health | 0.00% | $289,266 | $287,704 | $155,097 | $119,782 | 41.63 % |
| 2019 | Individual Specified Disease | 0.03% | $142,714 | $142,259 | $91,647 | $70,779 | 49.75 % |
| 2019 | Individual Accident Only | 0.05% | $128,240 | $127,406 | $63,450 | $49,003 | 38.46 % |
| 2019 | Individual Limited Benefit | 0.01% | $18,312 | $18,039 | $0 | $0 | 0.00 % |
| 2019 | Total Group Accident & Health | 0.00% | $0 | $0 | $200 | $200 | N/A |
| 2019 | Group Disability Income | 0.00% | $0 | $0 | $200 | $200 | N/A |
| 2019 | Total Life | 0.04% | $9,758,954 | $0 | $11,132,279 | $0 | N/A |
| 2019 | Total Individual Life | 0.06% | $9,758,954 | $0 | $11,053,401 | $0 | N/A |
| 2019 | Individual Whole Life | 0.56% | $7,366,830 | $0 | $9,399,967 | $0 | N/A |
| 2019 | Individual Term Life | 0.04% | $418,596 | $0 | $441,732 | $0 | N/A |
| 2019 | Individual Universal Life | 0.02% | $288,933 | $0 | $510,383 | $0 | N/A |
| 2019 | Individual Graded Death Benefits | 6.15% | $1,684,595 | $0 | $701,319 | $0 | N/A |
| 2019 | Total Group Life | 0.00% | $0 | $0 | $78,878 | $0 | N/A |
| 2019 | Group Whole Life | 0.00% | $0 | $0 | $0 | $0 | N/A |
| 2019 | Group Ordinary Annuities | 0.00% | $0 | $0 | $78,878 | $0 | N/A |
| 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 | 0.03% | $144,404 | $144,174 | $41,112 | $38,448 | 26.67 % |
| 2018 | Individual Accident Only | 0.06% | $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 | 0.03% | $9,914,796 | $0 | $9,830,263 | $0 | N/A |
| 2018 | Total Individual Life | 0.07% | $9,914,796 | $0 | $9,689,416 | $0 | N/A |
| 2018 | Individual Whole Life | 0.57% | $7,255,518 | $0 | $8,266,014 | $0 | N/A |
| 2018 | Individual Term Life | 0.05% | $541,151 | $0 | $260,146 | $0 | N/A |
| 2018 | Individual Graded Death Benefits | 7.77% | $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 |
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 |
|---|---|---|---|---|
| 2019 | Health | 0.00% | 2 | 1675 |
| 2019 | Life and Annuities | 0.11% | 65 | 6121 |
| 2018 | Health | 0.00% | 2 | 1388 |
| 2018 | Life and Annuities | 0.11% | 79 | 6559 |
Company Changes
Effective Date: 12/01/2003
Comments: Clayton Reinsurance LTD merged with and into The Reliable Life Insurance Co.
Market Conduct
Date: 02/02/2016
Financial Exams
Date: 06/12/2015
Date: 07/20/2020
Order and Exam Report - The Reliable Life Insurance Company.pdf