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Company Details
THE RELIABLE LIFE INSURANCE COMPANY License Status :
Active
NAIC Number :
68357
Phone Number:
314-819-4486
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 Written | Direct Premium Earned | Direct Losses Paid | Direct Losses Incurred | Loss Ratio |
|---|---|---|---|---|---|---|---|
| 2020 | Total Accident & Health | 0.00% | $288,708 | $284,795 | $92,705 | $91,224 | 32.03 % |
| 2020 | Total Individual Accident & Health | 0.00% | $288,708 | $284,795 | $92,705 | $92,255 | 32.39 % |
| 2020 | Individual Specified Disease | 0.02% | $144,835 | $142,872 | $65,009 | $64,694 | 45.28 % |
| 2020 | Individual Accident Only | 0.04% | $120,769 | $119,132 | $20,518 | $20,418 | 17.14 % |
| 2020 | Individual Limited Benefit | 0.01% | $23,104 | $22,791 | $7,178 | $7,143 | 31.34 % |
| 2020 | Total Group Accident & Health | 0.00% | $0 | $0 | $0 | $-1,031 | N/A |
| 2020 | Group Disability Income | 0.00% | $0 | $0 | $0 | $-1,031 | N/A |
| 2020 | Total Life | 0.02% | $9,648,060 | $0 | $12,928,940 | $0 | N/A |
| 2020 | Total Individual Life | 0.05% | $9,648,060 | $0 | $12,879,292 | $0 | N/A |
| 2020 | Individual Whole Life | 0.51% | $7,138,369 | $0 | $11,412,547 | $0 | N/A |
| 2020 | Individual Term Life | 0.06% | $756,111 | $0 | $409,648 | $0 | N/A |
| 2020 | Individual Universal Life | 0.01% | $236,249 | $0 | $336,669 | $0 | N/A |
| 2020 | Individual Graded Death Benefits | 4.72% | $1,517,331 | $0 | $720,428 | $0 | N/A |
| 2020 | Total Group Life | 0.00% | $0 | $0 | $49,648 | $0 | N/A |
| 2020 | Group Whole Life | 0.00% | $0 | $0 | $300 | $0 | N/A |
| 2020 | Group Ordinary Annuities | 0.00% | $0 | $0 | $49,348 | $0 | N/A |
| 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 | 0.03% | $9,758,954 | $0 | $11,132,279 | $0 | N/A |
| 2019 | Total Individual Life | 0.05% | $9,758,954 | $0 | $11,053,401 | $0 | N/A |
| 2019 | Individual Whole Life | 0.52% | $7,366,830 | $0 | $9,399,967 | $0 | N/A |
| 2019 | Individual Term Life | 0.03% | $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 | 5.35% | $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 |
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 |
|---|---|---|---|---|
| 2021 | Health | 0.00% | 0 | 0 |
| 2021 | Life and Annuities | 0.10% | 37 | 4759 |
| 2020 | Health | 0.00% | 0 | 0 |
| 2020 | Life and Annuities | 0.11% | 49 | 5687 |
| 2019 | Health | 0.00% | 2 | 1675 |
| 2019 | Life and Annuities | 0.11% | 65 | 6121 |
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
Date: 02/09/2021
Financial Exams
Date: 06/12/2015
Date: 07/20/2020
Order and Exam Report - The Reliable Life Insurance Company.pdf