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Company Details
RESERVE NATIONAL INSURANCE COMPANY License Status :
Active
NAIC Number :
68462
Phone Number:
2166872759
Company Address:
100 American Road
Cleveland, OH 44144
Description:
Life and Health
License Number:
A418949
Date Admitted:
1971-03-22
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 |
|---|---|---|---|---|---|---|---|
| 2022 | Total Accident & Health | 0.01% | $7,529,048 | $7,712,327 | $3,877,770 | $3,587,538 | 46.52 % |
| 2022 | Total Individual Accident & Health | 0.04% | $7,252,961 | $7,449,947 | $3,515,123 | $3,293,307 | 44.21 % |
| 2022 | Individual Comprehensive Medical Expense | 0.00% | $291,178 | $307,934 | $244,117 | $234,991 | 76.31 % |
| 2022 | Individual Medicare Supplement | 0.03% | $714,048 | $743,532 | $517,945 | $507,094 | 68.20 % |
| 2022 | Individual Specified Disease | 0.08% | $638,441 | $665,588 | $239,710 | $208,777 | 31.37 % |
| 2022 | Individual Accident Only | 0.16% | $473,045 | $481,263 | $121,442 | $114,585 | 23.81 % |
| 2022 | Individual Dental | 0.20% | $519,799 | $531,318 | $219,538 | $218,103 | 41.05 % |
| 2022 | Individual Limited Benefit | 0.78% | $4,616,450 | $4,720,312 | $2,172,371 | $2,009,757 | 42.58 % |
| 2022 | Total Group Accident & Health | 0.00% | $276,087 | $262,380 | $362,647 | $294,231 | N/A |
| 2022 | Group Comprehensive Medical Expense - Association | 0.17% | $20,401 | $20,415 | $303 | $263 | 1.29 % |
| 2022 | Group Specified Disease | 0.15% | $144,696 | $135,498 | $254,669 | $207,048 | N/A |
| 2022 | Group Accident Only | 0.02% | $99,730 | $95,400 | $100,714 | $81,318 | 85.24 % |
| 2022 | Group Disability Income | 0.00% | $376 | $183 | $0 | $0 | 0.00 % |
| 2022 | Group Dental | 0.00% | $10,884 | $10,884 | $6,961 | $5,602 | 51.47 % |
| 2022 | Total Life | 0.00% | $463,681 | $0 | $421,776 | $0 | N/A |
| 2022 | Total Individual Life | 0.00% | $352,806 | $0 | $388,776 | $0 | N/A |
| 2022 | Individual Whole Life | 0.02% | $289,301 | $0 | $318,796 | $0 | N/A |
| 2022 | Individual Term Life | 0.00% | $45,865 | $0 | $50,541 | $0 | N/A |
| 2022 | Individual Universal Life | 0.00% | $17,640 | $0 | $19,439 | $0 | N/A |
| 2022 | Total Group Life | 0.00% | $110,875 | $0 | $33,000 | $0 | N/A |
| 2022 | Group Whole Life | 0.12% | $110,875 | $0 | $33,000 | $0 | N/A |
| 2021 | Total Accident & Health | 0.01% | $8,094,322 | $8,099,386 | $4,566,510 | $4,445,832 | 54.89 % |
| 2021 | Total Individual Accident & Health | 0.03% | $7,794,505 | $7,794,505 | $4,320,024 | $4,186,015 | 53.70 % |
| 2021 | Individual Comprehensive Medical Expense | 0.00% | $330,344 | $330,087 | $158,248 | $152,757 | 46.28 % |
| 2021 | Individual Medicare Supplement | 0.04% | $1,142,033 | $1,141,139 | $1,287,265 | $1,263,975 | N/A |
| 2021 | Individual Specified Disease | 0.09% | $713,975 | $713,417 | $293,113 | $346,880 | 48.62 % |
| 2021 | Individual Accident Only | 0.13% | $393,325 | $397,999 | $44,557 | $47,423 | 11.92 % |
| 2021 | Individual Dental | 0.18% | $504,290 | $503,895 | $228,140 | $225,404 | 44.73 % |
| 2021 | Individual Limited Benefit | 1.57% | $4,710,538 | $4,707,968 | $2,308,701 | $2,149,576 | 45.66 % |
| 2021 | Total Group Accident & Health | 0.00% | $299,817 | $304,881 | $246,486 | $259,817 | 85.22 % |
| 2021 | Group Comprehensive Medical Expense - Association | 0.01% | $20,190 | $20,190 | $1,241 | $1,372 | 6.80 % |
| 2021 | Group Specified Disease | 0.16% | $161,175 | $163,655 | $183,802 | $194,580 | N/A |
| 2021 | Group Accident Only | 0.03% | $112,865 | $116,039 | $61,132 | $63,560 | 54.77 % |
| 2021 | Group Disability Income | 0.00% | $3,220 | $2,630 | $0 | $0 | 0.00 % |
| 2021 | Group Dental | 0.00% | $2,367 | $2,367 | $311 | $305 | 12.89 % |
| 2021 | Total Life | 0.00% | $516,552 | $0 | $347,346 | $0 | N/A |
| 2021 | Total Individual Life | 0.00% | $398,059 | $0 | $347,346 | $0 | N/A |
| 2021 | Individual Whole Life | 0.02% | $306,389 | $0 | $295,186 | $0 | N/A |
| 2021 | Individual Term Life | 0.00% | $53,411 | $0 | $8,251 | $0 | N/A |
| 2021 | Individual Graded Death Benefits | 0.11% | $38,259 | $0 | $43,909 | $0 | N/A |
| 2021 | Total Group Life | 0.00% | $118,493 | $0 | $0 | $0 | N/A |
| 2021 | Group Whole Life | 0.12% | $118,493 | $0 | $0 | $0 | N/A |
| 2020 | Total Accident & Health | 0.01% | $8,344,259 | $8,336,289 | $4,966,871 | $4,880,246 | 58.54 % |
| 2020 | Total Individual Accident & Health | 0.03% | $8,071,492 | $8,071,492 | $4,661,589 | $4,560,832 | 56.51 % |
| 2020 | Individual Comprehensive Medical Expense | 0.00% | $372,400 | $375,964 | $167,232 | $160,102 | 42.58 % |
| 2020 | Individual Medicare Supplement | 0.05% | $1,650,931 | $1,666,528 | $1,360,352 | $1,335,670 | 80.15 % |
| 2020 | Individual Specified Disease | 0.09% | $624,334 | $616,133 | $309,755 | $280,142 | 45.47 % |
| 2020 | Individual Accident Only | 0.12% | $328,799 | $314,812 | $47,087 | $49,166 | 15.62 % |
| 2020 | Individual Dental | 0.22% | $505,926 | $498,168 | $241,093 | $237,375 | 47.65 % |
| 2020 | Individual Limited Benefit | 1.88% | $4,589,102 | $4,599,887 | $2,536,070 | $2,498,377 | 54.31 % |
| 2020 | Total Group Accident & Health | 0.00% | $272,767 | $264,797 | $305,282 | $319,414 | N/A |
| 2020 | Group Comprehensive Medical Expense - Discretionary | 33.22% | $24,570 | $24,571 | $763 | $-508 | -2.07 % |
| 2020 | Group Specified Disease | 0.16% | $149,600 | $143,585 | $223,629 | $228,377 | N/A |
| 2020 | Group Accident Only | 0.03% | $94,061 | $91,948 | $78,334 | $88,994 | 96.79 % |
| 2020 | Group Disability Income | 0.00% | $4,536 | $4,693 | $2,556 | $2,551 | 54.36 % |
| 2020 | Total Life | 0.00% | $501,808 | $0 | $339,640 | $0 | N/A |
| 2020 | Total Individual Life | 0.00% | $441,368 | $0 | $304,264 | $0 | N/A |
| 2020 | Individual Whole Life | 0.02% | $339,724 | $0 | $258,573 | $0 | N/A |
| 2020 | Individual Term Life | 0.00% | $59,222 | $0 | $7,228 | $0 | N/A |
| 2020 | Individual Graded Death Benefits | 0.13% | $42,422 | $0 | $38,463 | $0 | N/A |
| 2020 | Total Group Life | 0.00% | $60,440 | $0 | $35,376 | $0 | N/A |
| 2020 | Group Whole Life | 0.04% | $60,440 | $0 | $35,376 | $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 |
|---|---|---|---|---|
| 2022 | Health | 0.08% | 4 | 191 |
| 2022 | Life and Annuities | 0.00% | 0 | 0 |
| 2022 | Medicare Supplement Insurance | 0.14% | 0 | 0 |
| 2021 | Health | 0.09% | 6 | 243 |
| 2021 | Life and Annuities | 0.01% | 0 | 0 |
| 2021 | Medicare Supplement Insurance | 0.19% | 0 | 0 |
| 2020 | Health | 0.09% | 5 | 170 |
| 2020 | Life and Annuities | 0.01% | 1 | 2065 |
| 2020 | Medicare Supplement Insurance | 0.25% | 0 | 0 |
Company Changes
Effective Date: 05/01/2020
Comments: Effective 5/1/2020 the above company redomesticated from Oklahoma to Illinois.
Effective Date: 12/01/2022
Comments: Effective 12/01/2022 the above company’s group code was updated from Kemper Corp Group – 215 to Medical Mutual of Ohio Group due to an acquisition by Medical Mutual.
Market Conduct
Date: 10/18/2006
Date: 10/18/2006
Financial Exams
This company does not have any financial exams.