Company Details
Company Name:
LOYAL AMERICAN LIFE INSURANCE COMPANYLicense Status:
ActiveNAIC Number:
65722Company Address:
4400 Easton Commons Way, Suite 125 Columbus, OH 43219
Phone Number:
5124512224Mailing Address:
300 East Randolph Street Chicago, IL 60601
Description:
Life and Health (Ch 376 & 377, RSMo)License Number:
A424139Date Admitted:
1970-07-08Market Share
| Year | Line | Market Share | Direct Premium Written | Direct Premium Earned | Dividends Paid | Direct Losses Paid | Direct Losses Incurred | In Force | Loss Ratio |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | Total Accident & Health | 0.03% | $5,141,262 | $5,127,087 | $0 | $2,702,442 | $2,691,700 | $0 | 99.6% |
| 2025 | Total Individual Accident & Health | 0.06% | $5,134,810 | $5,120,522 | $0 | $2,701,041 | $2,690,129 | $0 | 99.6% |
| 2025 | Individual Medicare Supplement | 0.24% | $1,461,089 | $1,458,122 | $0 | $1,084,803 | $1,121,109 | $0 | 103.35% |
| 2025 | Individual Long Term Care | 0.01% | $10,260 | $10,277 | $0 | $0 | $920 | $0 | 0% |
| 2025 | Individual Specified Disease | 1.31% | $1,418,327 | $1,400,721 | $0 | $591,568 | $502,651 | $0 | 84.97% |
| 2025 | Individual Accident Only | 0.45% | $400,088 | $396,226 | $0 | $111,130 | $97,666 | $0 | 87.88% |
| 2025 | Individual Disability Income | 0% | $785 | $785 | $0 | $4 | $-62 | $0 | 0% |
| 2025 | Individual Limited Benefit | 1.43% | $1,844,261 | $1,854,391 | $0 | $913,536 | $967,845 | $0 | 105.94% |
| 2025 | Total Group Accident & Health | 0% | $6,452 | $6,565 | $0 | $1,401 | $1,571 | $0 | 112.13% |
| 2025 | Group Specified Disease | 0.01% | $5,980 | $6,099 | $0 | $1,400 | $1,662 | $0 | 118.71% |
| 2025 | Group Limited Benefit | 0% | $472 | $466 | $0 | $1 | $-91 | $0 | 0% |
| 2025 | Total Life & Annuities | 0% | $150,124 | $0 | $2,112 | $390,800 | $0 | $6,520 | 0% |
| 2025 | Total Individual Life | 0% | $149,664 | $0 | $2,112 | $268,608 | $0 | $5,725 | 0% |
| 2025 | Individual Whole Life | 0.01% | $127,770 | $0 | $2,112 | $200,419 | $0 | $3,712 | 0% |
| 2025 | Individual Term Life | 0% | $1,227 | $0 | $0 | $0 | $0 | $315 | 0% |
| 2025 | Individual Universal Life | 0.01% | $20,667 | $0 | $0 | $68,189 | $0 | $1,698 | 0% |
| 2025 | Total Individual Annuities | 0% | $176 | $0 | $0 | $122,192 | $0 | $695 | 0% |
| 2025 | Individual Fixed Annuities | 0% | $176 | $0 | $0 | $70,716 | $0 | $541 | 0% |
| 2025 | Individual Indexed Annuities | 0% | $0 | $0 | $0 | $51,476 | $0 | $0 | 0% |
| 2025 | Individual Life Contingencies | 0% | $0 | $0 | $0 | $0 | $0 | $91 | 0% |
| 2025 | Other Individual Annuities | 0% | $0 | $0 | $0 | $0 | $0 | $63 | 0% |
| 2025 | Total Individual Life & Annuities | 0% | $149,840 | $0 | $2,112 | $390,800 | $0 | $6,420 | 0% |
| 2025 | Total Group Life | 0% | $284 | $0 | $0 | $0 | $0 | $100 | 0% |
| 2025 | Group Term Life | 0% | $284 | $0 | $0 | $0 | $0 | $100 | 0% |
| 2025 | Total Group Life & Annuities | 0% | $284 | $0 | $0 | $0 | $0 | $100 | 0% |
| 2024 | Total Accident & Health | 0.03% | $5,501,232 | $5,483,119 | $0 | $2,469,765 | $2,375,066 | $0 | 96.17% |
| 2024 | Total Individual Accident & Health | 0.08% | $5,494,244 | $5,476,056 | $0 | $2,467,817 | $2,373,399 | $0 | 96.17% |
| 2024 | Individual Medicare Supplement | 0.28% | $1,592,040 | $1,597,113 | $0 | $1,246,595 | $1,244,329 | $0 | 99.82% |
| 2024 | Individual Long Term Care | 0.01% | $10,931 | $10,931 | $0 | $0 | $266 | $0 | 0% |
| 2024 | Individual Specified Disease | 1.75% | $1,891,069 | $1,885,660 | $0 | $499,996 | $399,267 | $0 | 79.85% |
| 2024 | Individual Accident Only | 0.6% | $581,512 | $579,583 | $0 | $71,328 | $58,212 | $0 | 81.61% |
| 2024 | Individual Disability Income | 0% | $794 | $812 | $0 | $3 | $-14 | $0 | -466.67% |
| 2024 | Individual Limited Benefit | 1.09% | $1,417,898 | $1,401,957 | $0 | $649,895 | $671,339 | $0 | 103.3% |
| 2024 | Total Group Accident & Health | 0% | $6,988 | $7,063 | $0 | $1,948 | $1,667 | $0 | 85.57% |
| 2024 | Group Specified Disease | 0.01% | $6,242 | $6,289 | $0 | $1,757 | $1,608 | $0 | 91.52% |
| 2024 | Group Limited Benefit | 0% | $746 | $774 | $0 | $191 | $59 | $0 | 30.89% |
| 2024 | Total Life & Annuities | 0% | $163,091 | $0 | $2,454 | $369,937 | $0 | $5,184 | 0% |
| 2024 | Total Individual Life | 0% | $162,647 | $0 | $2,454 | $284,146 | $0 | $5,084 | 0% |
| 2024 | Individual Whole Life | 0.02% | $139,269 | $0 | $2,454 | $183,328 | $0 | $4,023 | 0% |
| 2024 | Individual Term Life | 0% | $3,582 | $0 | $0 | $0 | $0 | $560 | 0% |
| 2024 | Individual Indexed Life | 0% | $0 | $0 | $0 | $1,882 | $0 | $0 | 0% |
| 2024 | Individual Universal Life | 0.01% | $19,796 | $0 | $0 | $95,037 | $0 | $501 | 0% |
| 2024 | Other Individual Considerations | 0% | $0 | $0 | $0 | $3,899 | $0 | $0 | 0% |
| 2024 | Total Individual Annuities | 0% | $160 | $0 | $0 | $85,791 | $0 | $0 | 0% |
| 2024 | Individual Fixed Annuities | 0% | $160 | $0 | $0 | $85,791 | $0 | $0 | 0% |
| 2024 | Total Individual Life & Annuities | 0% | $162,807 | $0 | $2,454 | $369,937 | $0 | $5,084 | 0% |
| 2024 | Total Group Life | 0% | $284 | $0 | $0 | $0 | $0 | $100 | 0% |
| 2024 | Group Term Life | 0% | $284 | $0 | $0 | $0 | $0 | $100 | 0% |
| 2024 | Total Group Life & Annuities | 0% | $284 | $0 | $0 | $0 | $0 | $100 | 0% |
| 2023 | Total Accident & Health | 0.04% | $5,519,081 | $5,571,447 | $0 | $2,629,987 | $2,697,856 | $0 | 102.58% |
| 2023 | Total Individual Accident & Health | 0.11% | $5,510,984 | $5,563,720 | $0 | $2,628,584 | $2,697,913 | $0 | 102.64% |
| 2023 | Individual Medicare Supplement | 0.34% | $1,814,940 | $1,832,767 | $0 | $1,301,817 | $1,270,728 | $0 | 97.61% |
| 2023 | Individual Long Term Care | 0.01% | $11,355 | $11,587 | $0 | $0 | $-293 | $0 | 0% |
| 2023 | Individual Specified Disease | 1.84% | $1,931,623 | $1,967,467 | $0 | $775,472 | $796,867 | $0 | 102.76% |
| 2023 | Individual Accident Only | 0.73% | $592,489 | $595,753 | $0 | $60,207 | $69,946 | $0 | 116.18% |
| 2023 | Individual Disability Income | 0% | $1,069 | $1,069 | $0 | $1 | $165 | $0 | 0% |
| 2023 | Individual Limited Benefit | 1.03% | $1,159,508 | $1,155,077 | $0 | $491,087 | $560,500 | $0 | 114.13% |
| 2023 | Total Group Accident & Health | 0% | $8,097 | $7,727 | $0 | $1,403 | $-57 | $0 | -4.06% |
| 2023 | Group Specified Disease | 0.01% | $7,268 | $6,898 | $0 | $1,403 | $125 | $0 | 8.91% |
| 2023 | Group Limited Benefit | 0% | $829 | $829 | $0 | $0 | $-182 | $0 | 0% |
| 2023 | Total Life | 0% | $177,929 | $0 | $1,914 | $976,419 | $0 | $7,316 | 0% |
| 2023 | Total Individual Life | 0% | $177,645 | $0 | $1,914 | $976,419 | $0 | $7,216 | 0% |
| 2023 | Individual Whole Life | 0.02% | $150,593 | $0 | $1,914 | $154,731 | $0 | $4,304 | 0% |
| 2023 | Individual Term Life | 0% | $3,794 | $0 | $0 | $0 | $0 | $945 | 0% |
| 2023 | Individual Universal Life | 0% | $23,094 | $0 | $0 | $106,824 | $0 | $1,967 | 0% |
| 2023 | Individual Ordinary Annuities | 0% | $164 | $0 | $0 | $714,864 | $0 | $0 | 0% |
| 2023 | Total Group Life | 0% | $284 | $0 | $0 | $0 | $0 | $100 | 0% |
| 2023 | Group Term Life | 0% | $284 | $0 | $0 | $0 | $0 | $100 | 0% |
| 2022 | Total Accident & Health | 0.04% | $4,774,484 | $4,755,788 | $0 | $2,265,784 | $2,412,411 | $0 | 106.47% |
| 2022 | Total Individual Accident & Health | 0.1% | $4,766,647 | $4,747,791 | $0 | $2,254,575 | $2,403,279 | $0 | 106.6% |
| 2022 | Individual Medicare Supplement | 0.36% | $1,937,178 | $1,936,260 | $0 | $1,336,544 | $1,346,396 | $0 | 100.74% |
| 2022 | Individual Long Term Care | 0.01% | $12,037 | $12,626 | $0 | $0 | $291 | $0 | 0% |
| 2022 | Individual Specified Disease | 1.4% | $1,636,796 | $1,627,120 | $0 | $662,874 | $732,428 | $0 | 110.49% |
| 2022 | Individual Accident Only | 0.79% | $487,142 | $491,369 | $0 | $55,495 | $62,097 | $0 | 111.9% |
| 2022 | Individual Disability Income | 0% | $1,098 | $1,089 | $0 | $396 | $559 | $0 | 141.16% |
| 2022 | Individual Limited Benefit | 0.69% | $692,396 | $679,327 | $0 | $199,266 | $261,508 | $0 | 131.24% |
| 2022 | Total Group Accident & Health | 0% | $7,837 | $7,997 | $0 | $11,209 | $9,132 | $0 | 81.47% |
| 2022 | Group Specified Disease | 0.01% | $7,016 | $7,176 | $0 | $11,209 | $9,111 | $0 | 81.28% |
| 2022 | Group Limited Benefit | 0% | $821 | $821 | $0 | $0 | $21 | $0 | 0% |
| 2022 | Total Life | 0% | $159,550 | $0 | $2,052 | $408,356 | $0 | $7,813 | 0% |
| 2022 | Total Individual Life | 0% | $159,266 | $0 | $2,052 | $408,356 | $0 | $7,713 | 0% |
| 2022 | Individual Whole Life | 0.02% | $130,522 | $0 | $2,052 | $255,161 | $0 | $6,085 | 0% |
| 2022 | Individual Term Life | 0% | $3,391 | $0 | $0 | $1,932 | $0 | $920 | 0% |
| 2022 | Individual Universal Life | 0% | $25,131 | $0 | $0 | $100,746 | $0 | $708 | 0% |
| 2022 | Individual Ordinary Annuities | 0% | $222 | $0 | $0 | $50,517 | $0 | $0 | 0% |
| 2022 | Total Group Life | 0% | $284 | $0 | $0 | $0 | $0 | $100 | 0% |
| 2022 | Group Term Life | 0% | $284 | $0 | $0 | $0 | $0 | $100 | 0% |
| 2021 | Total Accident & Health | 0.03% | $4,024,612 | $4,008,300 | $0 | $2,056,602 | $2,163,961 | $0 | 105.22% |
| 2021 | Total Individual Accident & Health | 0.09% | $4,015,288 | $3,999,158 | $0 | $2,054,476 | $2,158,401 | $0 | 105.06% |
| 2021 | Individual Medicare Supplement | 0.34% | $1,979,458 | $1,980,662 | $0 | $1,373,081 | $1,387,968 | $0 | 101.08% |
| 2021 | Individual Long Term Care | 0.01% | $11,532 | $11,319 | $0 | $0 | $40 | $0 | 0% |
| 2021 | Individual Specified Disease | 1.45% | $1,492,323 | $1,476,662 | $0 | $598,381 | $676,557 | $0 | 113.06% |
| 2021 | Individual Accident Only | 0.76% | $472,585 | $472,229 | $0 | $41,163 | $45,491 | $0 | 110.51% |
| 2021 | Individual Disability Income | 0% | $1,119 | $1,130 | $0 | $138 | $97 | $0 | 70.29% |
| 2021 | Individual Limited Benefit | 0.09% | $58,271 | $57,156 | $0 | $41,713 | $48,248 | $0 | 115.67% |
| 2021 | Total Group Accident & Health | 0% | $9,324 | $9,142 | $0 | $2,126 | $5,560 | $0 | 261.52% |
| 2021 | Group Specified Disease | 0.02% | $8,223 | $8,041 | $0 | $1,865 | $5,096 | $0 | 273.24% |
| 2021 | Group Limited Benefit | 0% | $1,101 | $1,101 | $0 | $261 | $464 | $0 | 177.78% |
| 2021 | Total Life | 0% | $280,497 | $0 | $2,168 | $934,749 | $0 | $9,075 | 0% |
| 2021 | Total Individual Life | 0% | $280,213 | $0 | $2,168 | $934,749 | $0 | $9,075 | 0% |
| 2021 | Individual Whole Life | 0.02% | $176,352 | $0 | $2,168 | $634,280 | $0 | $6,500 | 0% |
| 2021 | Individual Term Life | 0% | $583 | $0 | $0 | $2,500 | $0 | $1,822 | 0% |
| 2021 | Individual Universal Life | 0% | $27,236 | $0 | $0 | $165,654 | $0 | $753 | 0% |
| 2021 | Individual Ordinary Annuities | 0% | $76,042 | $0 | $0 | $132,315 | $0 | $0 | 0% |
| 2021 | Total Group Life | 0% | $284 | $0 | $0 | $0 | $0 | $0 | 0% |
| 2021 | Group Term Life | 0% | $284 | $0 | $0 | $0 | $0 | $0 | 0% |
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2025 | Health | 0.11% | 1 | 36 |
| 2024 | Health | 0.1% | 3 | 142 |
| 2024 | Life and Annuities | 0% | 1 | 9999 |
| 2023 | Health | 0.04% | 2 | 226 |
| 2023 | Life and Annuities | 0% | 1 | 6608 |
| 2023 | Long-Term Care Insurance | 0% | 0 | 0 |
| 2023 | Medicare Supplement Insurance | 0.24% | 0 | 0 |
| 2022 | Health | 0.05% | 3 | 272 |
| 2022 | Life and Annuities | 0% | 1 | 6717 |
| 2022 | Long-Term Care Insurance | 0% | 0 | 0 |
| 2022 | Medicare Supplement Insurance | 0.25% | 1 | 535 |
| 2021 | Health | 0.05% | 2 | 169 |
| 2021 | Life and Annuities | 0% | 0 | 0 |
| 2021 | Long-Term Care Insurance | 0% | 0 | 0 |
| 2021 | Medicare Supplement Insurance | 0.27% | 1 | 458 |
Company Changes
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Market Regulation Actions
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Financial Exams
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