COMPLAINT RATIOS NATIONALLY AND FOR NEW JERSEY

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.

*2005 NAIC Ratios

**2006 NAIC Ratios

*2006 State Ratios

**2007 NAIC Ratios

Health Insurance

Group & Indivi.

Group & Indivi.

Group & Indiv.

Group & Indivi.

Aetna

1.01

0.94

n/a

n/a

AMS (United Healthcare Grp.)

0.90

0.90 

n/a

1.39

Assurant (Time)

2.14

2.58

n/a

1.90

Blue Cross Blue Shield

0.01

0.01

n/a

n/a

Celtic

1.75

1.15

n/a

4.65

Golden Rule

0.64

0.61

n/a

0.90

John Alden

2.19

1.80

n/a

1.16

MEGA Life (NASE)

2.64

2.06

n/a

2.72

Midwest Security

1.96

2.20

n/a

1.79

Nationwide Life & Health

0.87

1.20

n/a

1.60

Principal Financial

 0.62 

 0.67

n/a

0.94

Trustmark/Starmark/Multi-Ben

3.62

 3.04

n/a

2.86

United Healthcare

0.90

0.90

n/a

 1.39

New Jersey HMO's

accreditation

Aetna Health Inc.

commendable

AmeriHealth HMO

excellent

CIGNA Healthcare of New Jersey

excellent

Health Net of New Jersey

commendable

United Healthcare of New Jersey

accredited

*Source-State of New Jersey Department of Banking and Insurance- 800-446-7467

**Source - NAIC or National Association of Insurance Commissioners