COMPLAINT RATIOS NATIONALLY AND FOR OREGON

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

7

n/a

AMS (United Healthcare Grp.)

0.90

0.90 

6

1.39

Assurant (Time)

2.14

2.58

33

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

Humana

0.96

1.47

5

1.66

John Alden

2.19

1.80

1

1.16

Madison National Life

1.13

0.77

1

0.91

MEGA Life (NASE)

2.64

2.06

16

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

1

0.94

Trustmark/Starmark/Multi-Ben

3.62

 3.04

n/a

2.86

United Healthcare

0.90

0.90

6

 1.39

Oregon HMO's

accreditation

Kaiser Foundation

excellent

PacifiCare of Oregon

excellent

*Source-State of Oregon Insurance Division- 503-947-7980

**Source - NAIC or National Association of Insurance Commissioners