COMPLAINT RATIOS NATIONALLY AND FOR MISSOURI

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

2.38

0.97

American Community

0.32

0.58

3.40

1.41

AMS (United Healthcare Grp.)

0.90

1.39

2.28

1.47

American National

4.58

1.92

1.97

2.17

Assurant (Time)

2.58

1.90

3.86

1.92

Blue Cross Blue Shield

0.01

n/a

0.61

n/a

Celtic

1.15

4.65

9.37

2.04

Golden Rule

0.61

0.90

1.96

1.04

Healthy Alliance Life Insurance Co.

n/a

n/a

1.34

n/a

Humana

1.47

1.66

0.32

3.52

John Alden

1.80

1.16

3.16

1.45

MEGA Life (NASE)

2.06

2.72

5.04

5.87

Metropolitan Life Insurance Company

n/a

n/a

0.43

n/a

Midwest Security

2.20

1.79

n/a

1.74

Nationwide Life & Health

1.20

1.60

1.35

1.80

Principal Financial

 0.67 

 0.94

1.18

1.20

Trustmark/Starmark/Multi-Ben

3.04

2.86

4.88

3.33

United Healthcare

0.90

1.39

0.65

n/a

Missouri HMO's

accreditation

Aetna Health, Inc.

excellent

Blue Cross Blue Shield

excellent

CIGNA Healthcare

excellent

Humana Health Plan

excellent

United Healthcare

excellent

*Source-State of Missouri Department of Insurance Financial Institutions and Professional Registration - 1-800-726-7390

**Source - NAIC or National Association of Insurance Commissioners