COMPLAINT RATIOS NATIONALLY AND FOR MASSACHUSETTS

Per $ 1 million in premiums paid

1(one) is set as the median level or average of all companies

Below 1.00 means the company is better than average.

Above 1.00 means the company is worse than average.

**2006 NAIC Ratios

**2007 NAIC Ratios

*2008 State Ratios

**2008 NAIC Ratios

Health Insurance

Group & Indivi.

Group & Indivi.

Group & Indiv.

Group & Indivi.

Aetna

0.94

n/a

n/a

0.97

AMS (United Healthcare Grp.)

0.90

1.39

n/a

1.47

Assurant (Time)

2.58

1.90

n/a

1.92

Blue Cross Blue Shield

0.01

n/a

n/a

n/a

Celtic

1.15

4.65

n/a

2.04

Golden Rule

0.61

0.90

n/a

1.04

John Alden

1.80

1.16

n/a

1.45

MEGA Life (NASE)

2.16

2.72

n/a

5.87

Midwest Security

2.20

1.79

n/a

1.74

Nationwide Life & Health

1.20

1.60

n/a

1.80

Principal Financial

 0.67

 0.94

n/a

1.20

Trustmark/Starmark/Multi-Ben

3.04

 2.86

n/a

3.33

United Healthcare

0.90

1.39

n/a

n/a

Massachusetts HMO's

accreditation

Aetna Health Inc.

excellent

Blue Cross Blue Shield of Massachusetts

excellent

CIGNA Healthcare

excellent

ConnectiCare of Massachusetts

excellent

United Healthcare

excellent

*Source-State of Massachusetts Department of Consumer Affairs and Business Regulations- 888-283-3757

**Source - NAIC or National Association of Insurance Commissioners