How We Score
Our scores are built entirely from public regulatory data. No paid placements. No insurer relationships.
The core question we answer
“Who processes your life insurance claim fairly and promptly?”
When a life insurance claim is filed, speed and fairness matter most. We use state regulator complaint data to surface which insurers generate disproportionate complaints at claim time. These are formal complaints lodged with government regulators — a meaningful signal of systemic claims issues, not individual service preferences.
State data sources — Life Insurance (12 states)
We aggregate data from state insurance regulators. Each state uses its own methodology for measuring insurer complaints — we normalize these into a common A–F grade. See full data access details →
Grading scale
We translate regulatory complaint data into letter grades for clarity:
| Grade | Meaning |
|---|---|
| A | Far fewer complaints than industry average |
| B | Below-average complaints |
| C | Near industry average |
| D | Above-average complaints |
| F | Far more complaints than average |
Each state's complaint index or ratio is normalized to the state's own industry average. A company with half the average complaints earns an A; twice the average earns an F. National grades average across all states where data is available.
What we do not do
- ✕ Accept payment from insurers to influence rankings
- ✕ Use self-reported insurer data
- ✕ Combine scores into a single opaque number
- ✕ Make editorial claims not backed by the source data
User submissions
Users can submit their own claim experiences through our structured form. These submissions are self-reported and unverified at this time. All user-submitted content is clearly labeled as such and kept separate from regulatory data in our scoring.
We do not collect names or contact information with submissions.
Data freshness
All regulatory data is annual. Scores reflect the most recently published year from each source, which is noted on every score. Insurance company behavior can change — a score from 2023 data may not reflect today's claims handling.