Data Sources
Which states publish life insurance complaint data, and how they publish it.
Direct access — 12 states
These states publish structured complaint data that we automatically retrieve and update. Data is downloaded directly from state regulator websites with no manual steps.
| State | Source | Data Type |
|---|---|---|
| CA | California DOI ↗ | Justified complaint ratio per 100,000 policies in force |
| CO | Colorado DORA ↗ | Complaint index (1.0 = industry avg) |
| CT | Connecticut DOI ↗ | Complaint count (Individual Life + Group Life) |
| IL | Illinois IDOI ↗ | Complaint ratio per 10,000 policies in force |
| IN | Indiana IDOI ↗ | Complaint index |
| KS | Kansas DOI ↗ | Complaint index (1.0 = industry avg) |
| MI | Michigan DIFS ↗ | Raw complaint count |
| MO | Missouri DOI ↗ | Complaint index, 3-year rolling (100 = industry avg) — Life & Annuities section |
| NV | Nevada DOI ↗ | Raw complaint count (Life & Annuity category) |
| OR | Oregon DFR ↗ | Complaint index (1.0 = industry avg) |
| SC | South Carolina DOI ↗ | Confirmed complaint ratio per $1M SC premium |
| TX | Texas TDI ↗ | Raw complaint count (Life & Annuity category) |
Formal request or portal only — 2 states
These states collect and maintain complaint statistics but don't publish them in a downloadable format. Data may be accessible via interactive portals (individual lookups only) or through formal public records requests. We do not currently include this data in our scores.
Complaint ratio database accessible via interactive portal — no bulk data download available
Company complaint lookup tool for individual queries — no bulk export
No known public mechanism — 37 states
For these states, we could not find any public mechanism to obtain insurer-level complaint statistics in a machine-readable format. Some may publish data that we haven't discovered yet, or require custom extraction methods. If you know of a source, please let us know.
Data coverage improves as more states publish structured complaint data. See How We Score for details on how we normalize and grade this data.