COMPLAINT RATIOS NATIONALLY AND FOR WYOMING

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

*2006State Complaint Ratios

**2007 NAIC Ratios

Health Insurance

Group & Indivi.

Group & Indivi.

Group & Indiv.

Group & Indivi.

Aetna

1.01

0.94

1.26

n/a

AMS (United Healthcare Grp.)

0.90

0.90 

0.35

1.39

Assurant (Time)

2.14

2.58

0.59

1.90

Blue Cross Blue Shield

0.01

0.01

0.30

n/a

Celtic

1.75

1.15

4.58

4.65

Golden Rule

0.64

0.61

n/a

0.90

Humana

0.96

1.47

0.27

1.66

John Alden

2.19

1.80

0.93

1.16

MEGA Life (NASE)

2.64

2.06

0.51

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

0.23

2.86

United Healthcare

0.90

0.90

0.35

 1.39

*Source-State of Wyoming Insurance Department- 307 777-7401

**Source - NAIC or National Association of Insurance Commissioners