Download entire 2022 Consumer Complaint Report
Download entire 2021 Consumer Complaint Report

The DCI 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:

  • 100 percent means that the department received the normally expected number of complaints about that company.
  • 99 percent or less indicates the company was the subject of less than the normally expected number of complaints.
  • More than 100 percent shows the department received more than the normally expected number of complaints about that company.

The DCI 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.


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

2018 Life Complaint Index

An index of 100 is considered average

Company Name Annual Premium Volume 2018 Market Share 2018 Number of Complaints 2018 Complaint Index
KANSAS CITY LIFE INSURANCE COMPANY $ 18,438,722 0.21% 10 447
Subtotal for Selection: 0.21% 10
Total for Entire Life Market: 100.00% 1086