life elevated 2015 - utah insurance department...life elevated 2015 table of contents 2015 table of...

Utah State Insurance Department

2015 Annual Report

To: Governor Gary R. Herbert From: Commissioner Todd E. Kiser

UTAH L I F E E L E V A T E D

2015

Table of Contents 2015

Table of Contents i

I General Information Organizational Chart 1 Staff 2 Boards & Commission 5 Department Budget & Revenues 8 Captive Division Budget & Revenues 10 Fraud Division Budget & Revenues 12 Premium Tax Collections 14 Legislation 15 Rules & Bulletins 17 Financial Examinations 18 Statutory Deposits 19 Surplus Lines Company Premiums 20 New & Amended Certificates of Authority 21 Fraud Division 29 Rehabilitations / Liquidations 32

II Statistical and Financial Data Table A Summary of Insurers Authorized to Write Insurance in Utah 33 Table B Nationwide Operations of Utah Insurers 34 Table C Summary of Utah Operations of All Insurers by Line 35 Table D Market Share Reports 37 Table E Fiscal Data of Property Insurers 77 Table F Fiscal Data of Life & Accident & Health Insurers 103 Table G Fiscal Data of Title Insurers 115 Table H Fiscal Data of Fraternal Insurers 116 Table I Fiscal Data of Motor Clubs 117 Table J Fiscal Data of Health Statement Summary 118

III Directories Accredited Reinsurers 122 Domestic Insurers 123 Gap Waiver Providers 125 Health Discount Providers 127 Health Maintenance Organizations 130 Home Warranty Providers 131 Individual & Small Group Insurers 132 Licensed Insurers 133 Life Settlement Providers 170 Professional Employer Organizations 171 Risk Purchasing Groups 178 Risk Retention Groups 187 Service Contract Providers 189 Surplus Lines Companies 194

i

I

General Information

Insurance Department 2015 Organizational Chart

CommissionerTodd Kiser

Deputy CommissionerBrett Barratt

Assistant CommissionerTanji Northrup

Executive AssistantJill White

ActuaryTomasz Serbinowski

Health Actuary Jaakob Sundberg

Health and Life Division DirectorNancy Askerlund

Producer Licensing Division DirectorRandy Overstreet

Administrative Hearing Officer

Gregory Soderberg

Exchange Liaison

RulesSteve Gooch

Examination Division DirectorJake Garn

Captive Division DirectorDavid Snowball

Fraud Division Director (off site)Armand Glick

Market Conduct Division DirectorSuzette Green-Wright

Property and Casualty DirectorTracy Klausmeier

Bail Bond Board

Property and Casualty Guaranty Association

Title and Escrow Commission

Attorney General Enforcement Council

Legislation

Risk Adjuster Board (RAB)

Life & Health Guaranty Association

Utah Health Information Network(UHIN)

Health Care Working Group

General CounselPerri Babalis, Gary Josephson, Reed

Stringham

Public Information Officer

Steve Gooch

Health Data Committee

Administration Division Director

Patrick Lee

Affordable Care Act Coordinator

1

Insurance Department Staff (as of 12/31/2015)

Office of the Commissioner

Todd E. Kiser Commissioner Brett Barratt Deputy Commissioner Tanji Northrup Assistant Commissioner Jill White Executive Assistant Steve Gooch Information Specialist Tomasz Serbinowski Actuary Greg Soderberg Administrative Law Judge

Administration

Patrick Lee Director Diane Candelario Office Clerk Ana Escobar Accounting Technician Gail Fielding Accounting Technician Marie Magre Financial Analyst III Anna Weidauer Accounting Technician

Captive Insurer Division

David Snowball Director Kodie Peme Administrative Assistant Heber Beddes Auditor I Steven Price Auditor II Grace Jing Reinhart Auditor II Pamela Sanchez Financial Examiner Laura Shepherd Auditor III Travis Wegkamp Audit Manager Mark Wiedeman Auditor II

Financial Examination/Company Licensing

Jacob Garn Chief Financial Examiner Donald Catmull Assistant Chief Examiner Dan Applegarth Chief Analyst James Borrowman Financial Examiner Joseph Boyle Financial Examiner Joe Coccimiglio Licensing and Admin David Flores Financial Examiner Jaimee George Financial Analyst III Cory Larsen Financial Analyst Dava Ann Neal Insurance Specialist Malis Rasmussen Manager, Examination Shane Sadler Financial Examiner Eric Showgren Manager, Company Licensing Cory Starley Financial Examiner Jay Sueoka Financial Analyst Paul Throckmorton Financial Analyst III

2


Financial Examination/Company Licensing (continued)

Teresa Trusty Financial Analyst IIIWeimei Ye Manager, Analysis

Fraud Division Armand Glick Director Dwight Christensen Deputy Director Reed Kartchner Deputy Director Brett DeCow Investigator Ryan Evans Investigator Ginger Fitzgerald Legal Secretary Steven Jentzsch Investigator Jason Johnson Investigator Lisa Peterson Legal Secretary Jeffrey Remus Investigator Daniel Rodriguez Investigator Ned Shimizu Investigator Rudy Vanbeekum Investigator LuAnne Winters Information Specialist

Health & Life Division

Nancy Askerlund Director Heidi Clausen Assistant Director Kris Buckler Research Assistant Julie Chytraus Insurance Specialist Beth Crim Life Rate/Forms Analyst Ramona Goodwin Health Form Analyst Jeff Hawley Research Consultant Brent Oscarson Health Form Analyst Shane Rosenbaum Life Consumer Analyst Nicole Simmons Rate/Forms Analyst Jaakob Sundberg Actuary Marilyn Thorstensen Rate/Forms Analyst Jordan Tolman Rate/Forms Analyst Michelle White Health Consumer Service Analyst Troy Wies Health Consumer Service Analyst

Market Conduct Division

Suzette Green-Wright Director Linda Hardy Administrative Assistant Cathy Burton P&C, Bail Examiner Jenifer Christian Health & Discount Plans Examiner Sandy Glaze Health & PEO Examiner Tamara Greening Title & Escrow Examiner Sandra Halladay P&C & PEO Examiner

3


Market Conduct Division (continued)

Adam Martin Title & Producer Licensing Examiner Connie Nowland Life & Annuity Examiner William Stimpson Life & Annuity Examiner

Producer Licensing

Randy Overstreet Director Heidi Petermann Resident License Specialist John Billups Nonresident License Specialist Michael Covington Continuing Ed. Specialist Karon Hardman Admin & Criminal Actions Specialist Angie Martinez Renewal & Reinstatement Specialist

Property & Casualty Tracy Klausmeier Director Kathy Archuleta Rate & Forms Specialist Lydia Ebersole Consumer Service Representative Josh Kreeck Consumer Service Analyst Meldee Love Consumer Service Analyst Rena Oliver Rate & Forms Specialist

4

BOARDS & COMMISSIONS (as of 12/31/2015)

COMMERCIAL BAIL BOND SURETY OVERSIGHT BOARD Title 31A, Chapter 35, Part 1 - 7, Bail Bond Act The Board is composed of seven voting members appointed by the commissioner for a four-year term. Four members represent four bail bond surety companies, two represent the general public, and one is an attorney. There is also one nonvoting staff member from the Insurance Department. As of December 31, 2015 Bail Bond Board members included:

Board Members: Brad Jenkins (Chair), bail bond surety company member Gordon Wright (Vice Chair), bail bond surety company member Ryan Cooper, bail bond surety company member [Vacant], bail bond surety company member Lieutenant Kati Booth, general public member Peter Stevens, general public member Stephen Aina, attorney member Brett Barratt, non-voting member of the Insurance Department

Staff: Perri Babalis, Assistant Attorney General Cathy Burton, Market Conduct Analyst Suzette Green-Wright, Market Conduct Director Steve Gooch, Secretary

Duties of the Board are described in 31A-35-202, and include:

• making recommendations for rules; • making recommendations regarding action against surety company licenses; and • conducting investigations of allegations of unprofessional conduct on part of bail bond

licensees, and reporting results to the commissioner.

Meetings were held quarterly, on January 14, 2015, April 8, 2015, July 14, 2015 and October 14, 2015, from 12:00 Noon – 1:30pm on the second Wednesday of the month. There was a supplementary meeting on August 26, 2015. Minutes of these meetings can be found on the department's website at https://insurance.utah.gov/agent/producers/bonds/board/2015.php.

5

https://insurance.utah.gov/agent/producers/bonds/board/2015.php


TITLE AND ESCROW COMMISSION Title 31A, Chapter 2, Part 4, Title and Escrow Commission Act The Commission "shall administer and enforce the provisions in Title 31A related to: (a) title insurance; and (b) escrow conducted by a title licensee or title insurer." The Commission is composed of five members appointed by the governor for a four-year term with the consent of the Senate. Four members must have or have had a title license and a search and escrow license for at least five years, with each member from a different Utah county. One member must represent the general public from any county. As of December 31, 2015 Title and Escrow Commission members included:

Commission Members: Robert Rice (Chair), First American Title Insurance Company (Ada County, ID) Jeffery Wiener (Vice Chair), Old Republic Title Rocky Mountain Reg. (Salt Lake County) Sylvia Anderson, Public Member (Salt Lake County) David Moore, Capstone Title & Escrow, Inc. (Salt Lake County) Matthew Jagerson, Integrated Title Insurance Services (Utah County)

Staff: Brett Barratt, Deputy Commissioner Perri Babalis, AG Counsel Suzette Green-Wright, Market Conduct Division Director Randy Overstreet, Producer Licensing Division Director Tamara Greening, Title Marketing Examiner Adam Martin, Market Conduct Examiner Steve Gooch, Secretary

Duties of the Commission are described in 31A-2-404. They include:

• make rules; • concur with issuance and renewal of licenses; • establish title license fees; • determine title assessment; • conduct administrative hearings not delegated to administrative law judge; • approve assets to be included in reserve fund; • approve continuing education programs; • impose penalties; • advise commissioner of title administrative and enforcement matters; • advise commissioner of title insurance matters dealing with department's budget; and • perform other duties as provided in Title 31A.

Meetings were held on the second Monday of the month except when a holiday fell on that date. Minutes and attachments can be found on the department's website at https://insurance.utah.gov/agent/title/meeting-minutes-2015.php.

6

https://insurance.utah.gov/agent/title/meeting-minutes-2015.php


UTAH DEFINED CONTRIBUTION RISK ADJUSTER BOARD Title 31A, Chapter 42, Defined Contribution Risk Adjuster Act

The Board was created in 2009. The Utah Defined Contribution Risk Adjuster is a nonprofit entity within the department. The Risk Adjuster Board is under the direction of a board of directors composed of up to nine members. They are appointed for a four-year term by the governor with the consent of the Senate. A board member may not serve more than two consecutive terms. As of December 31, 2015, Risk Adjuster Board members were as follows: Board Members: Dave Jackson, (Chair) Representing individual employer Kim Miller, Representing participating insurer in the defined contribution market and insurer with small percentage of lives in the defined contribution market [Vacant], Representing participating insurer in the defined contribution market Jim Murray, Representing participating insurer in the defined contribution market Patty Conner, Representing the Office of Consumer Health Services Paul Anderton, Representing PEHP with actuarial experience Tomasz Serbinowski, Actuary representing the Insurance Department Staff: Perri Babalis, Assistant Attorney General Tanji Northrup, Assistant Insurance Commissioner Nancy Askerlund, Health Division Director Heidi Clausen, Assistant Health Division Director Duties of the Board:

• shall submit a plan of operation for the risk adjuster to the commissioner; • establish methodology for implementing the defined contribution arrangement market,

and the participation of small employer groups defined contribution arrangement health benefit plans;

• establish regular times and places for board meetings; • management and reporting of financial transactions; • determine provisions necessary and proper for the execution of the powers and duties of

the risk adjuster; and • establish procedures for incurred administrative expenses.

Meetings were held on the fourth Tuesday of each month. The agenda and minutes can be found on the department's website at https://insurance.utah.gov/health/riskadjusterboard/index.php.

7

https://insurance.utah.gov/health/riskadjusterboard/index.php

Insurance Department Budget/Revenues FY2016 (7/1/2015 to 6/30/2016)

BUDGET AMOUNT TOTAL

Personal Services Salaries & Benefits $5,640,200 $5,640,200

Travel Expenses

In-State Travel $3,400 Out-of-State Travel $72,600 Total $76,000 $76,000

Current Expense Human Resource Services $39,700 Payroll Services $2,800 Wireless Communication $4,000 Advertising & Legal Publications $300,000 Communication Services $0

Other Contractual Servs-Nonmed $0 Postage & Mailing $11,300 Prof. & Tech, Servs/Nonmed ($900) Attorney Fees $85,900

Witness Fee $0 Required Technical References $1,600 Credit Card Fees $99,000 Bottled Water Service $0 E-check Processing ($700) Rent Parking (UTA bus passes) $13,300 Building & Grounds-Operating Supplies, Maint & Repair ($500) Building Maintenance $1,000 Household Laundry & Janitorial Supplies $0 Building Security $4,400 Office Supplies $10,600 Printing & Binding $2,800 Books & Subscriptions $4,700 Photocopy Expense $10,800

Small Office Equip Less Than

Insurance Department Budget/Revenues FY2016 (7/1/2015 to 6/30/2016)

AMOUNT TOTAL Employee Training/Development $23,800 Employee Recognition Awards Non-Taxable $5,800 Reception & Meeting Costs $100 Membership Dues $17,400 Conventions & Workshops $9,500

Taxable Meal Allowance $400 Unclassified Other $30,800 Remodel & Improv. Current Expense ($1,900) Recycling Cost $1,200 DTS Telecommunication Charges $49,800 Total $845,800 $845,800

DP Current Expense DP Hardware

Captive Division Budget/Revenues FY2016 (7/1/2015 to 6/30/2016)

BUDGET AMOUNT TOTAL Personal Services Salaries & Benefits $796,300 $796,300 Travel Expenses In-State Travel $500 Out-of-State Travel $28,600 Total $29,100 $29,100 Current Expense Human Resource Services $5,500 Payroll Services $400 Wireless Communication Service $1,500 Postage & Mailing $300 Attorney Fees $0 Required Technical References $100 Parking Space Rent & Bus Pass Costs $0 Office Supplies $1,400 Printing & Binding $0 Books & Subscriptions $400 Office Furnishing Less Than $5000 $4,000 Medical/Testing & Lab Supplies $0 Insurance & Bonds $14,100 Employee Training & Development $7,700 Exhibits, Displays & Awards $0 Membership Dues $1,200 Conventions & Workshops $20,600 Unclassified Other (captive dissolutions) $0 DTS Telecommunication Charges $4,200 Total $61,400 $61,400 DP Current Expense DP Hardware

Captive Division Budget/Revenues FY2016 (7/1/2015 to 6/30/2016)

DP Capital Outlay AMOUNT T TOTAL DP Database >$5,000 $0 $0 Capital Outlay

DFCM Capital Project $0 $0 DEPARTMENT TOTAL $967,500 $967,500

REVENUES AMOUNT TOTAL Department Captive Fees $2,536,000 $2,536,000

11

Fraud Division Budget/Revenue FY2016 (7/1/2015 to 6/30/2016)

BUDGET AMOUNT TOTAL Personal Services Salaries & Benefits $1,217,000 $1,217,000

Travel Expenses In-State Travel $6,450 Out-of-State Travel $25,000 Total $31,450 $31,450

Current Expense

Human Resource Services $8,300 Payroll Services $600 Fingerprint/Background Check $0 Wireless Communication Service $10,400 Communication Services $0 Freight & Drayage $100 Investigations $100 Other Contractual Services-Non Med $0 Postage & Mailing $300 Prof. & Tech, Servs/Nonmed $5,000 Attorney Fees $386,400 Janitorial Service Contract $0 Witness Fees $0 Bottled Water Service $400 Rental of Land & Buildings $107,000 Rental of Motor Pool Vehicles $72,900 Rent Parking (UTA bus passes) $450 Building Maintenance $250 Repairs to Damaged Vehicles $4,600 Building Security $0 Office Supplies $5,100 Printing & Binding $0 Educational & Recreational Supplies $0 Books & Subscriptions $0 Photocopy Expense $1,900 Small Office Equip. Less Than $5000 $2,100 Office Furnishings

Fraud Division Budget/Revenue FY2016 (7/1/2015 to 6/30/2016)

AMOUNT TOTAL Video Supplies & Equipment $0

Purchasing Card Current Expenses $0 Claims & Damages $0 Insurance & Bonds $22,000 Employee Training & Development $1,800 Membership Dues $2,100 Conventions & Workshops $4,800 Professional Development/Trng $0

Unclassified Other $15,000 Personel Protective Clothing & Equipment $900 Recycling Program Costs & Refund $0 DTS Telecommunication Charges $9,200 Total $667,400 $667,400 DP Current Expense

DP Hardware

Premium Tax Collections by Fiscal Year

FY 2015 FY 2014 FY 2013

Premium Taxes $ 94,398,873 $ 92,299,293 $ 90,706,141

Premium Tax Refunds $ (2,013,505) $ (1,086,796) $ (1,114,229)

Employers' Reinsurance $ 17,050,475 $ 14,256,860 $ 13,217,716

Fireman's Pension Fund $ 15,657,600 $ 13,740,105 $ 12,514,672

Fire Academy Support Fund - Restricted $ 7,828,799 $ 6,870,054 $ 6,257,339

Industrial Accident Fund $ 2,913,202 $ 2,455,365 $ 2,215,233

Workers Compensation Premiums $ 1,456,602 $ 1,227,670 $ 1,107,575

Uninsured Employers Fund $ 1,902,733 $ 870,022 $ 309,236

Relative Value Study $ 112,194 $ 107,405 $ 92,946

TOTAL PREMIUM TAX $139,306,974 $130,739,977 $125,306,632

14

Legislation

The following bills were passed during the 2015 Legislative Session. Each bill number is a link to the enrolled, final version of the bill. Bills took effect May 12, 2015, unless specified otherwise within the text of the bill.

The following may not be an all-inclusive list of insurance related bills passed in 2015.

The Department's bill is designated with "(Dept's bill)"

House Bills

• H.B. 19 — Insurance Comparison Tables

• H.B. 23 — Insurance Licensee Amendments

• H.B. 24 — Insurance Modifications (Dept's bill) - Summary

• H.B. 40 — Expungement Amendments

• H.B. 76 — Insurance Cancellation and Nonrenewal Amendments

• H.B. 109 — Expungement of Administrative Action

• H.B. 141 — Insurance Related Inducements

• H.B. 152 — Infertility Insurance Coverage Amendments

• H.B. 168 — Unclaimed Life Insurance Benefits

• H.B. 171 — Motor Vehicle Insurance Amendments

• H.B. 230 — Coverage for Eosinophilic Disorders

• H.B. 307 — Medicaid Expansion Provisions

• H.B. 336 — Insurance Adjuster Amendments

• H.B. 352 — Title Insurance Reporting Amendments

• H.B. 370 — Accident Claim Subrogation

• H.B. 391 — Utah Death with Dignity Act

• H.B. 431 — Health Sharing Ministries Amendments

• H.B. 433 — Primary Care Amendments

• H.B. 436 — Continuous Care Facilities Amendments

• H.B. 440 — Ground Transportation Services

• H.B. 445 — Bail Bond Surety Amendments

• H.B. 446 — Extension of Primary Care Network and Medicaid Benefits Under Existing 70/30 Federal/state Cost Sharing Amendments

15

http://le.utah.gov/~2015/bills/static/HB0019.htmlhttp://le.utah.gov/~2015/bills/static/HB0023.htmlhttp://le.utah.gov/~2015/bills/static/HB0024.htmlhttps://insurance.utah.gov/legislation/documents/2015LegSum10-13-14.pdfhttp://le.utah.gov/~2015/bills/static/HB0040.htmlhttp://le.utah.gov/~2015/bills/static/HB0076.htmlhttp://le.utah.gov/~2015/bills/static/HB0109.htmlhttp://le.utah.gov/~2015/bills/static/HB0141.htmlhttp://le.utah.gov/~2015/bills/static/HB0152.htmlhttp://le.utah.gov/~2015/bills/static/HB0168.htmlhttp://le.utah.gov/~2015/bills/static/HB0171.htmlhttp://le.utah.gov/~2015/bills/static/HB0230.htmlhttp://le.utah.gov/~2015/bills/static/HB0307.htmlhttp://le.utah.gov/~2015/bills/static/HB0336.htmlhttp://le.utah.gov/~2015/bills/static/HB0352.htmlhttp://le.utah.gov/~2015/bills/static/HB0370.htmlhttp://le.utah.gov/~2015/bills/static/HB0391.htmlhttp://le.utah.gov/~2015/bills/static/HB0431.htmlhttp://le.utah.gov/~2015/bills/static/HB0433.htmlhttp://le.utah.gov/~2015/bills/static/HB0436.htmlhttp://le.utah.gov/~2015/bills/static/HB0440.htmlhttp://le.utah.gov/~2015/bills/static/HB0445.htmlhttp://le.utah.gov/~2015/bills/static/HB0446.html

Legislation

Senate Bills

• S.B. 63 — Workers' Compensation Fund Amendments

• S.B. 83 — Medicaid Expansion Proposal

• S.B. 143 — Title and Escrow Modifications

• S.B. 153 — Access to Health Care

• S.B. 161 — Insurance Revisions

• S.B. 164 — Access to Health Care Amendments

• S.B. 180 — Arbitration Amendments

• S.B. 212 — Surplus Lines Insurance Modifications

• S.B. 246 — Licensing of Autism Providers

• S.B. 265 — Insurance Coverage for Abuse Deterrent Opioid Analgesic Drug Products

• S.B. 271 — Health Benefit Plan Amendments

• S.B. 288 — Automobile Insurance Amendments

• S.B. 294 — Transportation Network Company Amendments

Joint Resolutions • H.J.R. 23 — Joint Resolution Regarding Agritourism

16

http://le.utah.gov/~2015/bills/static/SB0063.htmlhttp://le.utah.gov/~2015/bills/static/SB0083.htmlhttp://le.utah.gov/~2015/bills/static/SB0143.htmlhttp://le.utah.gov/~2015/bills/static/SB0153.htmlhttp://le.utah.gov/~2015/bills/static/SB0161.htmlhttp://le.utah.gov/~2015/bills/static/SB0164.htmlhttp://le.utah.gov/~2015/bills/static/SB0180.htmlhttp://le.utah.gov/~2015/bills/static/SB0212.htmlhttp://le.utah.gov/~2015/bills/static/SB0246.htmlhttp://le.utah.gov/~2015/bills/static/SB0265.htmlhttp://le.utah.gov/~2015/bills/static/SB0271.htmlhttp://le.utah.gov/~2015/bills/static/SB0288.htmlhttp://le.utah.gov/~2015/bills/static/SB0294.htmlhttp://le.utah.gov/~2015/bills/static/HJR023.html

Rules & Bulletins

New Rules • R590-271, Data Reporting for Consumer Quality Comparison. Effective 6-22-2015.

Revised Rules

• R590-244, Individual and Agency Licensing. Effective 1-12-2015 • R590-142, Continuing Education Rule. Effective 1-12-2015 • R592-6, Unfair Inducements and Marketing Practices in Obtaining Title Insurance

Business. Effective 8-11-2015. • R590-162, Actuarial Opinion and Memorandum Rule. Effective 8-26-2015. • R590-198, Valuation of Life Insurance Policies Rule. Effective 8-26-2015. • R590-269, Individual Open Enrollment Period. Effective 9-23-2015. • R590-220, Submission of Accident and Health Insurance Filings. Effective 9-23-2015. • R590-238, Captive Insurance Companies. Effective 9-25-2015. • R590-154, Unfair Marketing Practices Rule. Effective 10-8-2015. • R592-15, Submission of a Schedule of Minimum Charges for Escrow Services. Effective

11-2-2015. • R592-11, Title Insurance Producer Annual and Controlled Business Reports. Effective

11-2-2015. • R590-260, Utah Defined Contribution Risk Adjuster Plan of Operation. Effective 11-9-

2015. • R590-268, Small Employer Stop-Loss Insurance. Effective 12-9-2015.

Repealed Rules

• R592-2, Title Administrative Hearings and Penalty Imposition. Effective 12-9-2015. New Bulletins

• 2015-1: Filing Procedures for Compliance with the Provisions of the Terrorism Risk Insurance Program Reauthorization Act of 2015.

• 2015-2: 2016 Plan Year Requirements for Health Benefit Plans and Stand-Alone Dental Plan Filings Subject to PPACA.

• 2015-3: Submitting Quarterly Changes for Small Employer 2014 PPACA Compliant Health Benefit Plans and Stand-Alone Dental Plans.

• 2015-4: Small Employer Composite Rating — 2014 PPACA Compliant Health Benefit Plans.

• 2015-5: PPACA Transitional and Early Renewal of Small and Large Employer Groups. • 2015-6: Requirements for Hospital Indemnity and Other Fixed Indemnity Policies Sold in

the Individual Market. • 2015-7: Filing Notice of Trial de Novo Required By UCA 31a-22-321. • 2015-8: Inducement/Anti-Rebating Statute Updates (UCA 31a-23a-402.5). • 2015-9: Employer Definitions Effective January 1, 2016. • 2015-10: R592-6 Unfair Inducements and Marketing Practices in Obtaining Title

Insurance Business. • 2015-11: Requirements for Tobacco Cessation.

17

Financial Examinations

Completed or In Progress in 2015

Completed Examination as of Date Date Filed

SelectHealth Benefit Assurance Company Inc. 12/31/2013 1/5/2015 SelectHealth Inc. 12/31/2013 1/5/2015 Humana Medical Plan of Utah Inc. 12/31/2013 3/18/2015 WMI Mut Insurance Company 12/31/2013 3/31/2015 Standard Life & Casualty Insurance Company 12/31/2013 6/2/2015 American Liberty Insurance Company 12/31/2013 6/9/2015 Sentinel Security Life Insurance Company 12/31/2013 6/10/2015 Utah Business Insurance Company Inc. 12/31/2013 6/30/2015 Opticare of Utah 12/31/2014 10/20/2015 Bear River Mutual Insurance Company 12/31/2014 11/9/2015 United Insurance Company 12/31/2014 11/9/2015 Beneficial Life Insurance Company 12/31/2014 11/24/2015

In Progress Examination as of Date Start Date

BridgeSpan Health Company 12/31/2014 3/2/2015 Regence Bluecross Blueshield of Utah 12/31/2014 3/2/2015 Educators Health Plans, Life Accident & Health 12/31/2014 9/14/2015 Educators Mutual Insurance Association 12/31/2014 9/14/2015 Landcar Casualty Company 12/31/2014 9/17/2015 Landcar Life Insurance Company 12/31/2014 9/17/2015 Casualty Underwriters Insurance Company 12/31/2014 9/17/2015

18

Surplus Lines Direct Premium Written

Year US Insurers Non US Insurers Total

2015 $189,817,221 $58,038,871 $247,856,092

2014 $176,667,507 $50,654,644 $227,322,151

2013 $159,678,067 $58,690,084 $218,368,151

2012 $143,151,740 $40,154,668 $183,306,408

2011 $121,191,774 $38,294,345 $159,486,119

2010 $107,474,785 $38,696,559 $146,444,344

2009 $156,583,283

2008 $178,265,514

2007 $176,256,102

2006 $161,088,209

20

New & Amended Certificates of Authority Company Name Effective Type Home State Add Lines of Authority Axis Reinsurance Company 01/12/15 Prop&Casualty NY Guaranty Company of North America USA 01/14/15 Prop&Casualty MI Acadia Insurance Company 04/15/15 Prop&Casualty NH Great Midwest Insurance Company 05/12/15 Prop&Casualty TX Accredited Surety and Casualty Company, Inc. 07/20/15 Prop&Casualty FL Berkley Insurance Company 07/20/15 Prop&Casualty DE Hamilton Insurance Company 09/02/15 Prop&Casualty DE National Specialty Insurance Company 10/01/15 Prop&Casualty TX Privilege Underwriting Reciprocal Exchange 10/26/15 Prop&Casualty FL Aspen American Insurance Company 12/07/15 Prop&Casualty TX Application Withdrawn Arches Property and Casualty Insurance Company 01/05/15 Prop&Casualty UT PrimeOne Insurance Company 05/06/15 Prop&Casualty MI Change of Control Accredited Surety and Casualty Company, Inc. 01/05/15 Prop&Casualty FL Life of the South Insurance Company 01/05/15 Life GA Mountain Valley Indemnity 01/06/15 Prop&Casualty NH OneBeacon Insurance Company 01/15/15 Prop&Casualty PA OneBeacon America Insurance Company 01/15/15 Prop&Casualty PA Employers’ Fire Insurance Company, The 01/15/15 Prop&Casualty PA Individual Assurance Company, Life, Health & Accident 01/20/15 Life MO Norgard Insurance Company 01/29/15 Prop&Casualty PA Amguard Insurance Company 01/29/15 Prop&Casualty PA Eastguard Insurance Company 01/29/15 Prop&Casualty PA Wellington Life Insurance Company 01/29/15 Life AR Workmen’s Auto Insurance Company 03/10/15 Prop&Casualty CA Ironshore Indemnity Inc. 03/10/15 Prop&Casualty MN Ironshore Specialty Insurance Company 03/10/15 Surplus Lines AR National American Insurance Company of California 03/30/15 Prop&Casualty CA CastlePoint National Insurance Company 03/30/15 Prop&Casualty IL Employers’ Fire Insurance Company, The 05/12/15 Prop&Casualty PA Corepointe Insurance Company 05/14/15 Prop&Casualty MI John Deere Insurance Company 05/18/15 Prop&Casualty IA S. USA Life Insurance Company 05/19/15 Life AZ Platinum Underwriters Reinsurance, Inc. 05/28/15 Reinsurer MD Aurora National Life Assurance Company 05/28/15 Life CA Radian Asset Assurance Company 06/02/15 Prop&Casualty NY Catlin Indemnity Insurance Company 06/04/15 Prop&Casualty DE Catlin Insurance Company 06/04/15 Prop&Casualty TX Catlin Specialty Insurance Company 06/04/15 Surplus Lines DE American Strategic Insurance Corporation 07/07/15 Prop&Casualty FL PXRE Reinsurance Company 07/07/15 Prop&Casualty CT Old United Life Insurance Company 07/27/15 Life AZ Old United Insurance Company 07/27/15 Prop&Casualty KS

21

New & Amended Certificates of Authority Company Name Effective Type Home State Envision Insurance Company 07/28/15 Life OH ProCentury Insurance Company 07/28/15 Prop&Casualty MI Star Insurance Company 07/28/15 Prop&Casualty MI Williamsburg National Insurance Company 07/28/15 Prop&Casualty MI Florists’ Mutual Insurance Company 07/30/15 Prop&Casualty IL Companion Property and Casualty Insurance Company 07/30/15 Prop&Casualty SC Companion Commercial Insurance Company 07/30/15 Prop&Casualty SC Companion Specialty Insurance Company 07/30/15 Surplus Lines DOC Sterling Life Insurance Company 08/04/15 Life IL OneBeacon America Insurance Company 08/17/15 Prop&Casualty PA One Beacon Insurance Company 08/17/15 Prop&Casualty PA Philadelphia Life Assurance Company 08/18/15 Life PA Benchmark Insurance Company 08/27/15 Prop&Casualty KS Montpelier Reinsurance Ltd. 08/27/15 Accrdtd Reins BERM/NY U S Health and Life Insurance Company 08/31/15 Life MI OneNation Insurance Company 10/13/15 Life IN Catamaran Insurance Company of Ohio, Inc. 11/03/15 Life OH Heritage Indemnity Company 11/04/15 Prop&Casualty CA Sterling Investors Life Insurance Company 11/04/15 Life IN Springfield Insurance Company 12/09/15 Prop&Casualty CA Ironshore Indemnity Inc. 12/09/15 Prop&Casualty MN Lexon Insurance Company 12/09/15 Prop&Casualty TX Ironshore Specialty Insurance Company 12/21/15 Surplus Lines AZ Conversion (Mutual to Stock) Mutual of Enumclaw Insurance Company 10/01/15 Prop&Casualty WA Delete Block of Business (partial withdrawl) Connecticut General Life Insurance Company 02/03/15 Life CT Titan Indemnity Company 03/02/15 Prop&Casualty TX Victoria Fire & Casualty Company 03/02/15 Prop&Casualty OH Depositors Insurance Company 03/02/15 Prop&Casualty IA Stonebridge Life Insurance Company 05/07/15 Life IA Time Insurance Company 06/18/15 Life WI John Alden Life Insurance Company 06/18/15 Life WI Merastar Insurance Company 10/01/15 Prop&Casualty IL Delete Lines of Authority Industrial Alliance Insurance and Financial Services, Inc. 11/02/15 Life TX Denied Mobile Care Source, Inc. 07/29/15 Lmtd Health Plan UT

22

New & Amended Certificates of Authority Company Name Effective Type Home State Disolution

Expansion-New to Utah (foreign co.) Valiant Specialty Insurance Company 01/13/15 Surplus Lines DE Elephant Insurance Company 01/15/15 Prop&Casualty VA Merit Health Insurance Company 03/02/15 PX Drug Plan IL CEM Insurance Company 04/02/15 Prop&Casualty IL Seaview Insurance Company 05/22/15 Prop&Casualty CA Mercer Insurance Company 06/05/15 Surplus Lines PA Vaidus Reinsurance, Ltd. 06/22/15 Trusteed Reins Berm/NY Society Insurance, A Mutual Company 08/16/15 Prop&Casualty WI Country Mutual Insurance Company 08/18/15 Prop&Casualty IL GWG Life, LLC 09/01/15 Life Settlement DE Blue Hill Specialty Insurance Company Inc. 09/15/15 Surplus Lines IL PrimeOne Insurance Company 10/01/15 Prop&Casualty MI Clear Spring Life Insurance Company 10/07/15 Life TX AIG Structured Mortgage Insurance Company 10/26/15 Prop&Casualty NC Family Benefit Life Insurance Company 10/26/15 Life MO Rockingham Casualty Company 10/28/15 Surplus Lines VA Scottsdale Surplus Lines Insurance Company 12/07/15 Surplus Lines AZ Watford Specialty Insurance Company 12/10/15 Surplus Lines NJ Coverys Specialty Insurance Company 12/15/15 Surplus Lines NJ White Pine Insurance Company 12/21/15 Prop&Casualty MI Form A (Domestic) Granite Alliance Insurance Company 07/13/15 Health Org UT Acquired by Veridius Health, LLC Humana Medical Plan of Utah Inc 12/09/15 Health Org UT Acquired by Aetna, Inc. Sentinel Security Life Insurance Company 12/16/15 Life UT Acquired by Stagecoach and Advantage West LLC Merger Sears Life Insurance Company into American Health and Life Ins. Co. 01/06/15 Life TX Balboa Life Insurance Company into Securian Life Insurance Company 01/15/15 Life MN MEGA Life & Health Insurance Company into West National Life Ins. Co. of Tennessee 02/03/15 Life TX Bracken Hill Specialty Insurance Company into Canopious US Insurance 02/03/15 Surplus Lines IL

23

New & Amended Certificates of Authority Company Name Effective Type Home State Radian Asset Assurance Inc. into Assured Guaranty Corp 05/21/15 Prop&Casualty NY Marquette National Life Ins. Co. into Constitution Life Ins. Co. 07/16/15 Life TX Fairmont Insurance Company into TIG Insurance Company 07/20/15 Prop&Casualty CA Fairmont Premier Insurance Company into TIG Insurance Company 07/20/15 Prop&Casualty CA Fairmont Specialty Insurance Company into TIG Insurance Company 07/20/15 Prop&Casualty CA American Pioneer Life Insurance Company into Constitution Life Insurance Company 07/28/15 Life FL Companion Commercial Insurance Company into Companion Property & Casualty Ins. Co. 07/30/15 Prop&Casualty SC General Fidelity Insurance Company into TIG Insurance Company 11/02/15 Prop&Casualty CA Stonebridge Life Insurance Company into Transamerica Life Insurance Company 11/03/15 Life VT Genworth Residential Mortgage Ins. Corp of NC into Genworth Mortgage Ins. Co. 12/01/15 Prop&Casualty NC Misc Name Change Perico Life Insurance Company to MAPFRE Life Insurance Company 01/05/15 Life DE Valiant Insurance Company to Hamilton Insurance Company 01/12/15 Prop&Casualty DE Omaha Woodmen Life Insurance Society to Woodmen of the World Life Insurance Society 02/10/15 Fraternal NE U.S. Legal Services of Tennessee, Inc. to U.S. Legal Services, Inc. 02/17/15 Prop&Casualty TN Continental Assurance Company to Wilcac Life Insurance Company 03/26/15 Life IL

24

New & Amended Certificates of Authority Company Name Effective Type Home State Darwin National Assurance Company into Allied World Specialty Insurance Company 03/30/15 Prop&Casualty DE Colony National Insurance Company into Peleus Insurance Company 04/02/15 Surplus Lines VA Association Insurance Company into American Builders Insurance Company 04/14/15 Prop&Casualty DE Vinings Insurance Company into National Builders Insurance Company 04/14/15 Prop&Casualty DE Woodmen of the World into Assured Life Association 04/24/15 Fraternal CO Platinum Underwriters Reinsurance, Inc. into Renaissance Reinsurance U.S., Inc. 05/28/15 Accrdtd Reins MD American Centennial Insurance Company into Berkshire Hathaway Direct Insurance Company 06/15/15 Prop&Casualty DE Companion Property and Casualty Insurance Company into Sussex Insurance Company 07/30/15 Prop&Casualty SC John Deere Insurance Company into FMH Ag Risk Insurance Company 08/11/15 Prop&Casualty IA Great Lakes Reinsurance (UK) SE into Great Lakes Reinsurance (UK) PLC 08/12/15 Alien Surplus UK OneBeacon America Insurance Company into Lamorak Insurance Company 08/17/15 Prop&Casualty PA OneBeacon Insurance Company into Bedivere Insurance Company 08/17/15 Prop&Casualty PA Texas General Indemnity Company into UFG Specialty Insurance Company 08/18/15 Prop&Casualty CO Lincoln Republic Insurance Company into Medico Life and Health Insurance Company 08/18/15 Life ND OneNation Insurance Company into Fresenius Health Plans Insurance Company 10/13/15 Life IN Conseco Life Insurance Company into Wilco Life Insurance Company 10/26/15 Life IN

25

New & Amended Certificates of Authority Company Name Effective Type Home State Philadelphia Financial Life Assurance Insurance Co. into Lomard International Life Insurance Company 10/23/15 Life PA Torus National Insurance Company into StarStone National Insurance Company 11/18/15 Prop&Casualty DE First Investors Insurance Company into Foresters Life Insurance and Annuity Company 11/19/15 Life NY Alterra Reinsurance USA, Inc. into Markel Global Reinsurance Company 11/19/15 Accrdtd Reins DE Seaworthy Insurance Company into Gieco Marine Insurance Company 12/03/15 Prop&Casualty MD Torus Insurance (UK) Limited into StarStone Insurance Limited 12/10/15 Alien SL UK/NY New Domestic (non-PEO) HSA Health Insurance Company 05/05/15 Health UT New Professional Employee Organization (PEO) Cohesive Networks 01/22/15 Standard FL Strategic Staffing Services, Inc. 02/24/15 Accredited CA AccessPoint LLC 03/16/15 Accredited MI HRComplete Inc 06/02/15 Small OR The Employer Advantage LLC 07/01/15 Small MO Ingram & Co. Inc. 10/19/15 Small AR Sequent Inc 10/26/15 Small OH Employer Partners, Inc. 11/09/15 Standard CA Unlimited PEO Solutions 11/19/15 Small CA Essential HR, Inc. DBA FirstStar HR 11/19/15 Standard TX Professional Staff Management II, Inc. 12/15/15 Small IN Countrywide PEO 2 Inc. 12/30/15 Small FL Other PEO Changes - Add Group Member Teamworks Human Resources Inc 11/23/15 Standard UT Added to Teamworks Professional Services Inc (Primary) Other PEO Changes – Corporation Type (Corporation to LLC) Other PEO Changes – Conversion (Small Group Member to Org. Small)

26

New & Amended Certificates of Authority Company Name Effective Type Home State Other PEO Changes – Conversion (Small to Standard Org.) PEO – Application Withdrawn Morning Star Financial Services of Utah, LLC 07/08/15 Standard MN Creative Times Industries, LLC 08/18/15 Standard UT PEO – Denied PEO – Voluntary Nonrenewal/Surrender Century Employer Organization LLC 09/23/15 Small FL Anthros, Inc. 09/29/15 Standard FL Staff One Inc 09/30/15 Accredited OK HRComplete Inc 09/30/15 Small OR Quality Business Solutions 09/30/15 Small SC Acrisure IP 3, LLC. 10/01/15 Small MI Re-Domestication Clarendon National Insurance Company 01/06/15 Prop&Casualty NJ to IL Individual Assurance Company, Life, Health & Accident 01/20/15 Life MO to OK Crum & Forster Specialty Insurance Company 02/04/15 Surplus Lines AZ to DE Seneca Specialty Insurance Company 02/17/15 Surplus Lines AZ to DE Manhattan National Life Insurance Company 02/17/15 Life IL to OH Symphonix Health Insurance, Inc. 03/02/15 Life MI to IL Contractors Bonding and Insurance Company 03/10/15 Prop&Casualty WA to IL Granite State Insurance Company 03/12/15 Prop&Casualty PA to IL New Hampshire Insurance Company 03/12/15 Prop&Casualty PA to IL Hallmark National Insurance Company 03/26/15 Prop&Casualty OH to AZ CastlePoint National Insurance Company 03/30/15 Prop&Casualty IL to CA Old Republic National Title Insurance Company 03/30/15 Title MN to FL Riverport Insurance Company 05/07/15 Prop&Casualty MN to IA Tri-State Insurance Company of Minnesota 05/07/15 Prop&Casualty MN to IA Commonwealth Insurance Company of America 05/19/15 Prop&Casualty WA to DE Paul Revere Variable Annuity Insurance Co., The 05/20/15 Life MA to ME Alterra Reinsurance USA, Inc. 05/27/15 Accdtd Reins CT to DE Mountain Valley Indemnity Company 06/01/15 Prop&Casualty NH to NY American Centennial Insurance Company 06/15/15 Prop&Casualty DE to NE Swiss Re Life & Health American Inc. 08/18/15 Life CT to MO Lincoln Republic Insurance Company 08/18/15 Life ND to IA Esurance Property and Casualty Insurance Company 08/27/15 Prop&Casualty CA to WI Enumclaw Property and Casualty Insurance Company 10/01/15 Prop&Casualty WA to OR Mutual of Enumclaw Insurance Company 10/01/15 Prop&Casualty WA to OR Stonington Insurance Company 10/26/15 Prop&Casualty TX to PA Sterling Investors Life Insurance Company 11/09/15 Life GA to IN

27

New & Amended Certificates of Authority Company Name Effective Type Home State Revoked Lincoln General Insurance Company 12/10/15 Prop&Casualty PA Suspended American Medical and Life Insurance Company 07/09/15 Life NY Voluntary Withdrawal Woman’s Life Insurance Society 05/14/15 Fraternal MI Majestic Insurance Company 08/25/15 Prop&Casualty CA Workmen’s Auto Insurance Company 09/29/15 Prop&Casualty CA Wellington Life Insurance Company 11/30/15 Life AZ

28

Insurance Department Fraud Division Insurance Fraud:

o Insurance fraud is the 2nd most costly financial crime in the United States behind tax evasion o Quickly becoming a crime of choice for organized criminals due to its low risk and high rewards o Estimated annual loss — More than $120 billion

• $40 billion — Property and Casualty (Source: FBI) • $80 billion — Health Care (Source: FBI)

o Insurance fraud impacts everyone • The Coalition Against Insurance Fraud estimates that up to 30% of a policy holder's

insurance premium is due to charges added to cover industry losses from insurance fraud. o 41 states have created Insurance Fraud Investigation units to combat insurance fraud

• Many are funded through assessments to the insurance industry while others are funded through general taxpayer funds

• Many have full law enforcement powers

IFD Organization:

o In 1995 the legislature granted authority to Insurance Commissioner to investigate violations of the Insurance Fraud Act, and to employ certified law enforcement investigators. (31A-2-104)

o Funded through assessment to the Insurance Industry • Annual assessment revenues — $1.9 million

o Authorized to recover investigative costs from those charged with insurance fraud • Annual investigative cost revenues — $90,000 on average

o The Fraud Division consists of • Director • 10 investigators • 3 support staff • 3 assistant attorney general prosecutors (via contract) • Located at 230 S. 500 E. Suite 170

Referrals:

o Most referrals come from the insurance industry through Special Investigative Units (SIU’s) o Other sources include: law enforcement, the public, and discovery by IFD investigators during

other investigations o The IFD receives around 700 referrals annually

Types of cases investigated:

o Agent Fraud • Stealing premiums

Insurance agent fails to send premiums to the underwriter and instead keep the money for personal use

• Identity theft Insurance agent uses other person's ID to obtain better premium quotes for those

with poor credit ratings (increased business, qualify for bonuses and commissions)

29

Insurance Department Fraud Division • Cross border sales

Selling insurance products not licensed in Utah (annuities, home warranties, etc.) • False insurance sales

Selling false insurance products to consumers (keeping premiums and issuing forged certificates of insurance)

Creating false policies to collect undue commissions and bonuses • Theft by deception

Altering valid cancellation documents to predate the cancellation, resulting in refunds the agent then keeps

o Property and Casualty • Past posting

Claiming accident, damage, or loss occurred while insured when no policy was in place at time of incident

• False vehicle thefts • False or inflated theft and burglary claims

False property loss claims Adding false items or forging receipts to increase value of items stolen in a

legitimate loss • Staged accidents

Paper accidents — using previously damaged vehicles Intentionally causing real accidents with others at fault Passenger jump-ins — passengers not in car at time, claiming injury from the

accident • False damage claims

Staged vandalisms False or inflated damages due to disasters

• False injury claims Staged slip and fall accidents or items found in food

o Health Care

• Doctor shopping Using insurance to pay for doctor visits and medications that are unnecessary or

would not have been prescribed had doctor known of prior prescription • Billing for services not provided

Using equipment not possessed For services or equipment not provided Up-coding a provided service to a higher level to increase insurance payments Billing under another providers information to obtain higher payments than

otherwise due • Performing unnecessary medical procedures • Workers compensation fraud

Working while collecting payments False injuries while at work

30

Insurance Department Fraud Division

0

200

400

600

800

1000ReferallsReceived

ReferallsAssigned

ReferallsClosed

CasesProsecuted

Total Referrals - 783

Agent Fraud 25 False Property Theft 61

Application Fraud 88 False Auto Theft 49

Healthcare 53 Staged Collisions 10

Exaggerated Injuries 57 Forged Documents 43

Workers Compensation 48 False Damages 41

Property & Casualty - Other 435

31

Rehabilitations/Liquidations The Insurance Department regulates the business of insurance. It monitors the financial condition of insurance companies incorporated in Utah. When an insurance company becomes impaired, insolvent or engages in activity hazardous to the company, the Insurance Commissioner is authorized to petition a Utah court to place the company into formal rehabilitation or liquidation proceedings. Such proceedings are court-supervised receiverships in which, as mandated by statute, the Insurance Commissioner is appointed by the court to act in the capacity of a rehabilitator or a liquidator.

Once a court issues an order of rehabilitation or liquidation, the policyholders, creditors, and other potential claimants are notified that the company has been placed into a formal delinquency proceeding. If the company has been placed into liquidation, the Liquidator receives and processes the claims of the company's policyholders, creditors, and other potential claimants. The Liquidator also proceeds to marshal all assets of the company for the benefit of policyholders, creditors, and other claimants.

Once the claims against the company are known and classified, and the assets available to satisfy those claims are known, the claims are presented to and approved by the court. Court approved claims are thereafter paid to the extent the assets will allow.

During 2015 the Utah Insurance Commissioner, as Liquidator, administered the liquidation of the following Utah insurance companies:

• National Annuity Company • Western Insurance Company • Wasatch Crest Mutual Insurance • Wasatch Crest Insurance Company • Arches Mutual Insurance Company

o (in rehabilitation in 2015 but converted to liquidation in January 2016) • American Protectors Insurance Company

o (liquidation re-opened in 2015) During 2015, the Utah Insurance Commissioner acting as Liquidator continued with the rehabilitation of:

• Liberty First Risk Retention Group

Please go to the following link for further information about some of these companies. http://www.utinsreceivers.org/

32

http://www.utinsreceivers.org/

II

Statistical & Financial Data

Table A Insurers Regulated by the Department

Company Type Domestic Foreign Alien Total

Accredited Reinsurer 0 17 16 33 Captive Insurer 441 0 0 441 Captive Insurer - Cell 65 0 0 65 Captive Insurer - Sponsored 3 0 0 3 Fraternal 0 14 0 14 GAP Waiver 4 52 0 56 Health Maintenance Org 9 0 0 9 Joint Underwriters 0 3 0 3 Life 16 438 1 455 Life Settlements 0 16 0 16 Limited Health Plan 6 0 0 6 Motor Club 0 26 0 26 Non-Profit Health Service 2 0 0 2 PX Drug Plan 0 2 0 2 Property and Casualty Insurer 9 857 0 866 Risk Retention Group 0 75 0 75 Service Contract Provider 10 147 0 157 Surplus Lines 0 141 24 165 Title 0 17 0 17 Sub-Total 565 1,805 41 2,411

Entities Regulated by the Department

Health Disc Program Marketer 7 46 0 53 Health Disc Program Operator 10 28 0 38 Home Warranty 12 18 0 30 Independent Review 2 11 0 13 PEO Accredited Grp Member 1 87 0 88 PEO Small Grp Member 1 15 0 16 PEO Standard Grp Member 62 38 0 100 Profess Emp. Org. Standard 33 28 0 61 Profess Emp. Org Accredited 0 32 0 32 Profess Emp. Org Small 0 39 0 39 Purchasing Group 11 250 0 261 Rate Service Organization 0 15 0 15 SUB-TOTAL 139 607 0 746

TOTAL 704 2,412 41 3,157 *Data as of December 31, 2015

33

Table B2015 Summary of

Nationwide Operations of Utah Insurers

$6,136,992,051,682$396,236,826,442$557,582,521,130$591,314,851,061

$45,688,733,506

$1,564,599,485,984$674,405,928,466$402,037,636,929$231,297,116,615

$53,297,329,467

$631,018,084$353,663,350

$1,103,901,069$947,015,012

$8,722,442

$1,377,594,419$516,901,129

$3,275,870,496$3,136,940,764($362,935,242)

$5,496,805$4,194,734$8,827,065$5,232,273

$404,150

$134,218,451,894$12,316,013,165

$9,174,653,504$9,810,445,462

$991,860,624

$8,730,716,097$3,989,560,773

$11,681,430,174$639,575,706$819,197,304

$2,451,943,021$696,687,596

$2,104,759,753$1,217,428,511

$43,931,586

$0$0$0$0$0

$7,849,006,757,986$1,088,519,775,655

$986,969,600,120$838,368,605,404$100,487,243,837

ASSETSCAPITAL AND SURPLUSPREMIUMS AND ANNUITY CONSIDERATIONSBENEFITS INCURREDGAIN FROM OPERATIONS

ASSETSCAPITAL AND SURPLUSPREMIUMS EARNEDNET INCURRED LOSSESNET INCOME

ASSETSCAPITAL AND SURPLUSPREMIUMS EARNEDNET INCURRED BENEFITSNET INCOME

ASSETSCAPITAL AND SURPLUSNET EARNED PREMIUMSBENEFITS INCURREDNET INCOME

ASSETSCAPITAL AND SURPLUSNET EARNED PREMIUMSBENEFITS INCURREDNET INCOME

ASSETSSPECIAL RESERVESPREMIUMS EARNEDBENEFITS INCURREDNET INCOME

ASSETSCAPITAL AND SURPLUSPREMIUMS EARNEDBENEFITS INCURREDNET INCOME

ASSETSNET WORTHMEMBERSHIP DUESNET INCURRED BENEFITSNET GAIN FROM OPERATION

ASSETSUNASSIGNED FUNDSPREMIUMS EARNEDBENEFITS INCURREDNET INCOME

ASSETSCAPITAL AND SURPLUSNET EARNED PREMIUMSNET INCURRED LOSSESNET INCOME

LIFE, ACCIDENT, AND HEALTH INSURERS

PROPERTY AND CASUALTY INSURERS

HOSPITAL, MEDICAL AND DENTAL SERVICE OR INDEMNITY (HMDI) CORPORATIONS

HEALTH MAINTENANCE ORGANIZATIONS (HMO)

LIMITED HEALTH SERVICES ORGANIZATION (LHSO)

FRATERNAL ORGANIZATIONS

TITLE INSURERS

MOTOR CLUBS

HEALTH INSURANCE POOL

TOTAL OF ALL INSURERS COMBINED

34

Table C2015 Summary of Utah Operations

of All Insurers By Line Of Insurance

ORDINARY LIFECREDIT LIFEGROUP LIFEINDUSTRIAL LIFEFRATERNAL LIFE INSURANCE

TOTAL LIFE INSURANCE:

LIFE ANNUITIES

ACCIDENT & HEALTH INSURANCE

INDIVIDUAL A & H TYPE POLICIES

HEALTH MAINTENANCE ORG. (HMO)LIMITED HEALTH SERVICES ORG.HEALTH INSURANCE POOLS

HOSPITAL, MEDICAL, AND DENTAL CORP. (HMDI)

TOTAL ACCIDENT & HEALTH:

Premiums Earned Benefits Incurred

Loss Ratio

$1,074,785,921

$8,235,506$1,660

$229,450,628$6,436,784

$2,253,071,497

$1,318,910,499

$580,736,440$3,525,189

$245,281,694$837,170

$2,650,198

$833,030,691

$547,026,564

$723,617,737

$3,107,834,832$8,792,476

$0

$1,086,154,533

$7,501,438,464

$697,212,396

$2,900,904,680$5,207,421

$0

$952,922,797

$6,080,391,158

96%

93%59%

0%

88%

81%

GROUP A & H

COLLECTIVELY RENEWABLE A & H


$48,095,220

$2,807

$42,393

$26,091,623

($2)

$0

54%

0%

0%

FEDERAL EMPLOYEES HEALTH BENEFITS $5,529,934 $0 0%

LIFE, ACCIDENT AND HEALTH, AND FRATERNAL INSURANCELIFE

INDIVIDUAL A & H TYPE POLICIES $1,349,218 $1,234,487 91%COLLECTIVELY RENEWABLE A & H $0 $0 0%

FRATERNAL ANNUITIES $10,968,958 $2,267,887

TOTAL LIFE $11,084,389,418 $7,462,716,300

ANNUITIESPremiums Earned Benefits Incurred

TOTAL ANNUITIES: $2,264,040,455 $549,294,451

LIFE

FRATERNAL

PROPERTY

Premiums Earned Benefits Incurred

TOTAL LIFE A & H INSURANCE $3,238,977,590 $2,185,914,126 67%

TOTAL FRATERNAL A & H INSURANCE $1,349,218 $1,234,487 91%

CREDIT A & H, (GROUP AND IND.)

INDIVIDUAL A & H TYPE POLICIES

FEDERAL EMPLOYEES HEALTH BENEFITS$364,509

$9,867,279

$0$53,378

$8,059,622

$015%

82%

0%

TOTAL PROPERTY A & H INSURANCE $58,329,815 $34,204,621 59%

GROUP A & H

CREDIT A & H, (GROUP AND IND.)

$2,500,087,486

$9,700,040

$1,488,701,730

$0

60%

0%

MEDICARE TITLE XVIII EXEMPT FROM STATE TAXE $0 $3,026 0%

35

Table C2015 Summary of Utah Operations

of All Insurers By Line Of Insurance

FIRE AND ALLIED LINES: FIRE ALLIED LINES OCEAN MARINE INLAND MARINE

TOTAL FIRE AND ALLIED LINES:

MULTIPLE PERIL: MULTIPLE PERIL CROP FARMOWNERS MULTIPLE PERIL HOMEOWNERS MULTIPLE PERIL COMM. MULT. P. (NON-LIABILITY) COMM. MULT. P. (LIABILITY) MORTGAGE GUARANTY

TOTAL MULTIPLE PERIL:

AUTOMOBILE: PRIVATE PASSENGER AUTO NOFAULT OTHER PRIVATE PASSENGER AUTO COMMERICAL AUTO NOFAULT OTHER COMMERCIAL AUTO PRIVATE PASS. PHYSICAL DAMAGE COMM. AUTO PHYSICAL DAMAGE

TOTAL AUTOMOBILE:

ALL OTHER LINES:

FINANCIAL GUARANTY MEDICAL MALPRACTICE

EARTHQUAKE

WORKERS' COMPENSATION

OTHER LIABILITY

PRODUCTS LIABILITY

AIRCRAFT (ALL PERILS)

FIDELITY

SURETY

FEDERAL FLOOD

BURGLARY AND THEFT BOILER AND MACHINERY

CREDIT

TITLE

MOTOR CLUBS

R E P O R T T O T A L:

$78,759,034$41,981,061

$9,738,460

$265,167,197

$134,688,642

$4,129,559$12,984,831

$470,249,918$135,548,115$107,302,393

$69,578,815

$799,793,631

$80,366,547$861,468,476

$3,529,713

$563,479,448$167,644,856

$64,362,644

$1,740,851,684

$5,404,804$50,027,518

$37,916,548

$419,358,933

$262,239,532

$17,399,180

$25,018,281

$6,609,479

$48,587,180

$2,106,580

$1,380,489$8,456,121

$13,225,736

$218,275,326

$15,255,604$13,363,657

$1,634,624$74,647,475

$104,901,360

$4,782,565$8,337,724

$205,172,936$35,238,188$44,929,132

$4,563,216

$303,023,761

$58,059,708$608,112,209

$873,406$103,522,378$361,219,286

$36,077,632

$1,167,864,619

$0$5,452,901

$39,924

$227,455,756

$175,951,946

$5,635,614

$10,215,210

$6,605,382

($114,176)

$187,599

$341,635($727,767)

$3,220,399

$6,570,667

$0

$9,498,196,364

$0

$15,028,413,530

19%32%17%55%

40%

116%64%44%26%42%

7%

38%

72%71%25%62%64%56%

67%

0%11%

0%

54%

67%

32%

41%

100%

0%

9%

25%-9%

24%

3%

0%

PROPERTY INSURANCE

PROPERTY

TOTAL PROPERTY $3,944,024,112 $2,035,480,064

TOTAL OTHER LINES: $1,138,211,600 $459,690,324 40%

46%

63%

Premiums Earned Benefits Incurred Loss Ratio

EXCESS WORKERS' COMPENSATION $4,210,190 $8,016,565 190%

WARRANTY $17,831,526 $10,640,786 60%

PRIVATE CROP $164,177 $197,883 121%

36

Company Name

DirectPremiums

EarnedPercent

of MarketRank

Table D2015 Utah Market Share Report

AGGREGATE WRITE-INS

Central States Ind Co Of Omaha $586,21718.68%1Guideone Specialty Mut Ins Co $525,41616.74%2American Road Ins Co $340,16010.84%3Esurance Ins Co $300,5309.58%4RVI Amer Ins Co $293,7959.36%5Courtesy Ins Co $268,5018.56%6Transamerica Cas Ins Co $264,7008.43%7Triton Ins Co $172,5175.50%8Ace Amer Ins Co $76,3852.43%9Allstate Prop & Cas Ins Co $55,6421.77%10Midwest Employers Cas Co $48,7991.56%11Great Amer Ins Co $43,8671.40%12St Paul Fire & Marine Ins Co $37,2631.19%13Allstate Ind Co $36,5941.17%14Greenwich Ins Co $29,7370.95%15Allstate Ins Co $22,9660.73%16Pre Paid Legal Cas Inc $13,6660.44%17Yosemite Ins Co $9,9070.32%18American Bankers Ins Co Of FL $6,6620.21%19American Reliable Ins Co $2,6710.09%20

$3,135,995

25 $3,138,132

99.93%TOTAL FOR TOP RANKED INSURERS20

TOTAL FOR ALL INSURERS WRITING THIS LINE 100.00%

37

Company Name

DirectPremiums

EarnedPercent

of MarketRank


AIRCRAFT

Commerce & Industry Ins Co $4,012,07816.04%1Catlin Ins Co $3,285,71413.13%2Allianz Global Risks US Ins Co $2,958,59611.83%3Ace Amer Ins Co $2,340,7349.36%4XL Specialty Ins Co $1,809,6057.23%5Starr Ind & Liab Co $1,646,5466.58%6Old Republic Ins Co $1,176,2734.70%7Starnet Ins Co $1,058,3234.23%8QBE Ins Corp $862,4443.45%9American Alt Ins Corp $610,8512.44%10Liberty Mut Ins Co $554,9472.22%11North Amer Elite Ins Co $510,2992.04%12Federal Ins Co $498,5821.99%13National Union Fire Ins Co Of Pitts $482,6961.93%14US Specialty Ins Co $448,3991.79%15Great Amer Ins Co $365,6911.46%16National Ind Co $354,4251.42%17National Liab & Fire Ins Co $323,6401.29%18General Reins Corp $323,6361.29%19Avemco Ins Co $298,6211.19%20

$23,922,100

34 $25,018,281



38

Company Name

DirectPremiums

EarnedPercent

of MarketRank


ALLIED LINES

American Security Ins Co $10,187,88024.27%1Factory Mut Ins Co $5,914,16614.09%2Standard Guar Ins Co $2,794,3776.66%3Affiliated Fm Ins Co $1,847,1064.40%4Safeco Ins Co Of Amer $1,507,4933.59%5Zurich Amer Ins Co $1,333,0113.18%6Travelers Ind Co $1,070,8742.55%7Liberty Mut Fire Ins Co $1,024,4282.44%8Cincinnati Ins Co $980,4832.34%9United Serv Automobile Assn $969,2602.31%10American Natl Prop & Cas Co $912,4772.17%11Amco Ins Co $784,5541.87%12Foremost Ins Co Grand Rapids MI $600,8571.43%13USAA Cas Ins Co $592,7081.41%14Automobile Ins Co Of Hartford CT $534,3981.27%15Westport Ins Corp $533,2671.27%16Travelers Prop Cas Co Of Amer $498,2921.19%17XL Ins Amer Inc $488,3471.16%18Employers Mut Cas Co $451,2251.07%19State Auto Prop & Cas Ins Co $414,6330.99%20

$33,439,836

189 $41,981,061



39

Company Name

DirectPremiums

EarnedPercent

of MarketRank


ANNUITIES

Allianz Life Ins Co Of N Amer $263,400,73111.63%1Jackson Natl Life Ins Co $210,187,5139.28%2Teachers Ins & Ann Assoc Of Amer $115,131,3415.09%3American Gen Life Ins Co $104,206,3354.60%4Lincoln Natl Life Ins Co $98,544,4294.35%5American Equity Invest Life Ins Co $98,398,4864.35%6New York Life Ins & Ann Corp $71,673,0763.17%7Pruco Life Ins Co $70,491,9573.11%8Transamerica Life Ins Co $63,397,4962.80%9AXA Equitable Life Ins Co $62,102,5192.74%10Security Benefit Life Ins Co $61,930,4682.74%11Variable Ann Life Ins Co $46,538,1232.06%12Forethought Life Ins Co $46,305,4022.05%13Massachusetts Mut Life Ins Co $46,056,2452.03%14American United Life Ins Co $44,414,3271.96%15Voya Ins & Ann Co $44,268,5921.96%16Great W Life & Ann Ins Co $42,508,3951.88%17Prudential Ins Co Of Amer $40,976,8121.81%18Great Amer Life Ins Co $39,922,3281.76%19Symetra Life Ins Co $39,457,6011.74%20

$1,609,912,176

175 $2,264,040,455



40

Company Name

DirectPremiums

EarnedPercent

of MarketRank

Table D2015 Utah Market Share ReportBOILER AND MACHINERY

Factory Mut Ins Co $1,558,01118.42%1Zurich Amer Ins Co $1,027,39212.15%2Affiliated Fm Ins Co $636,1637.52%3National Union Fire Ins Co Of Pitts $560,6176.63%4Travelers Prop Cas Co Of Amer $546,5176.46%5Liberty Mut Fire Ins Co $289,3023.42%6Westport Ins Corp $248,4352.94%7Federal Ins Co $233,3272.76%8Granite State Ins Co $233,2562.76%9Amco Ins Co $227,2402.69%10Cincinnati Ins Co $215,3752.55%11Employers Mut Cas Co $208,0902.46%12Depositors Ins Co $200,0282.37%13XL Ins Amer Inc $194,6592.30%14American Home Assur Co $162,7331.92%15Allianz Global Risks US Ins Co $136,9411.62%16Hartford Steam Boil Inspec & Ins Co $134,7621.59%17Mutual Of Enumclaw Ins Co $127,9861.51%18Acuity A Mut Ins Co $121,8411.44%19Continental Cas Co $99,3121.17%20

$7,161,987

125 $8,456,121



41

Company Name

DirectPremiums

EarnedPercent

of MarketRank


BURGLARY AND THEFT

Travelers Cas & Surety Co Of Amer $342,92024.84%1National Union Fire Ins Co Of Pitts $169,93712.31%2Hiscox Ins Co Inc $155,83311.29%3Zurich Amer Ins Co $96,9457.02%4Federal Ins Co $94,4226.84%5US Specialty Ins Co $71,4585.18%6Cincinnati Ins Co $66,5214.82%7Nationwide Mut Ins Co $65,8464.77%8Hanover Ins Co $64,2404.65%9Continental Cas Co $26,4261.91%10Hartford Fire In Co $23,8581.73%11Westchester Fire Ins Co $16,3191.18%12Pacific Ind Co $15,2431.10%13Universal Underwriters Ins Co $14,6961.06%14Ace Amer Ins Co $12,8420.93%15Twin City Fire Ins Co Co $12,3750.90%16The Cincinnati Ind Co $12,2870.89%17XL Ins Amer Inc $11,5430.84%18American Family Mut Ins Co $10,3550.75%19Allied World Specialty Ins Co $6,7360.49%20

$1,290,802

88 $1,380,489



42

Company Name

DirectPremiums

EarnedPercent

of MarketRank



Life Of The South Ins Co $22,93950.75%1Washington Natl Ins Co $5,83712.91%2Mutual Of Omaha Ins Co $4,5019.96%3Horace Mann Life Ins Co $2,7436.07%4National Cas Co $2,7296.04%5Union Fidelity Life Ins Co $2,4405.40%6Unum Life Ins Co Of Amer $1,2112.68%7Combined Ins Co Of Amer $1,1782.61%8Continental Gen Ins Co $4621.02%9Bankers Life & Cas Co $3370.75%10Primerica Life Ins Co $3340.74%11Unified Life Ins Co $2010.44%12Government Employees Ins Co $780.17%13Professional Ins Co $690.15%14American Gen Life Ins Co $500.11%15Boston Mut Life Ins Co $450.10%16Standard Life & Accident Ins Co $200.04%17Trustmark Ins Co $140.03%18United Teacher Assoc Ins Co $120.03%19

$45,200

19 $45,200



43

Company Name

DirectPremiums

EarnedPercent

of MarketRank


COMMERCIAL AUTO

Owners Ins Co $15,788,6226.70%1Great West Cas Co $14,939,4656.34%2United Financial Cas Co $12,993,5875.52%3Cincinnati Ins Co $9,110,7223.87%4National Cas Co $7,093,4913.01%5Zurich Amer Ins Co $5,639,1232.39%6National Interstate Ins Co $5,339,9542.27%7National Ind Co $4,954,4952.10%8Ohio Security Ins Co $4,905,4452.08%9Employers Mut Cas Co $4,813,4822.04%10Northland Ins Co $4,769,9182.03%11Peerless Ind Ins Co $4,357,0191.85%12Acuity A Mut Ins Co $4,342,6501.84%13Sentry Select Ins Co $4,148,2391.76%14Truck Ins Exch $3,865,4221.64%15Milwaukee Cas Ins Co $3,417,5241.45%16Travelers Prop Cas Co Of Amer $3,382,4761.44%17Philadelphia Ind Ins Co $3,355,9961.42%18State Auto Prop & Cas Ins Co $3,065,2221.30%19Nationwide Mut Ins Co $2,946,1771.25%20

$123,229,029

264 $235,537,213



44

Company Name

DirectPremiums

EarnedPercent

of MarketRank


COMMERCIAL MULTI-PERIL

Owners Ins Co $16,320,6716.72%1Travelers Cas Ins Co Of Amer $11,215,1624.62%2State Farm Fire & Cas Co $10,547,7804.34%3Ohio Security Ins Co $10,252,1394.22%4Cincinnati Ins Co $8,404,2443.46%5Philadelphia Ind Ins Co $6,493,8042.67%6Amco Ins Co $6,062,9412.50%7American Family Mut Ins Co $6,041,7402.49%8Charter Oak Fire Ins Co $6,033,0922.48%9Auto Owners Ins Co $5,606,1882.31%10Fire Ins Exch $5,338,7582.20%11Federal Ins Co $5,305,4822.18%12Truck Ins Exch $5,152,7072.12%13State Auto Prop & Cas Ins Co $4,782,5401.97%14Travelers Prop Cas Co Of Amer $4,642,4071.91%15Depositors Ins Co $4,587,4861.89%16Farmers Ins Exch $4,557,0871.88%17CSE Safeguard Ins Co $4,375,8991.80%18Ace Amer Ins Co $4,271,3761.76%19Acuity A Mut Ins Co $4,128,4891.70%20

$134,119,992

222 $242,850,508



45

Company Name

DirectPremiums

EarnedPercent

of MarketRank


CREDIT

American Natl Prop & Cas Co $4,189,01531.67%1Euler Hermes N Amer Ins Co $2,930,96422.16%2State Natl Ins Co Inc $2,148,10216.24%3First Colonial Ins Co $977,6707.39%4Ohio Ind Co $622,0834.70%5Great Amer Assur Co $555,0594.20%6Great Amer Ins Co $418,1353.16%7Coface N Amer Ins Co $330,9152.50%8Atlantic Specialty Ins Co $291,2112.20%9American Bankers Ins Co Of FL $223,2801.69%10Cumis Ins Society Inc $152,9281.16%11Arch Ins Co $94,8940.72%12American Security Ins Co $87,1020.66%13Ace Amer Ins Co $60,2620.46%14American Reliable Ins Co $59,2020.45%15Atradius Trade Credit Ins Co $25,2970.19%16Transamerica Cas Ins Co $16,1820.12%17Old Republic Ins Co $11,3390.09%18Great Amer Alliance Ins Co $10,4890.08%19SeaBright Ins Co $8,2090.06%20

$13,212,338

25 $13,225,736



46

Company Name

DirectPremiums

EarnedPercent

of MarketRank


CREDIT A & H

CMFG Life Ins Co $4,771,32747.41%1Transamerica Life Ins Co $3,521,39134.99%2American Natl Ins Co $445,1494.42%3Landcar Life Ins Co $322,3853.20%4American Hlth & Life Ins Co $253,6572.52%5Central States Ind Co Of Omaha $239,0662.38%6Life Of The South Ins Co $90,5120.90%7American Bankers Ins Co Of FL $72,3910.72%8Protective Life Ins Co $71,3170.71%9American Bankers Life Assur Co Of FL $64,8910.64%10Central States H & L Co Of Omaha $36,5750.36%11State Farm Mut Auto Ins Co $35,1800.35%12Guarantee Trust Life Ins Co $33,1710.33%13Minnesota Life Ins Co $28,9490.29%14Pavonia Life Ins Co of MI $18,1500.18%15American Security Ins Co $13,4040.13%16American Modern Life Ins Co $11,7680.12%17American Underwriters Life Ins Co $7,6960.08%18American Republic Ins Co $7,2700.07%19Transamerica Premier Life Ins Co $6,5560.07%20

$10,050,805

26 $10,064,549



47

Company Name

DirectPremiums

EarnedPercent

of MarketRank


CREDIT LIFE

CMFG Life Ins Co $3,017,41946.88%1Transamerica Life Ins Co $2,175,55533.80%2American Natl Ins Co $438,0616.81%3Central States H & L Co Of Omaha $190,5532.96%4American Hlth & Life Ins Co $152,6862.37%5American Bankers Life Assur Co Of FL $94,8481.47%6Protective Life Ins Co $88,9331.38%7Life Of The South Ins Co $88,8941.38%8Minnesota Life Ins Co $73,8611.15%9Guarantee Trust Life Ins Co $62,0170.96%10Best Life & Hlth Ins Co $25,5650.40%11American Modern Life Ins Co $22,7020.35%12Pavonia Life Ins Co of MI $15,7600.24%13Transamerica Premier Life Ins Co $8,8320.14%14American Underwriters Life Ins Co $2,9040.05%15Zale Life Ins Co $2,4520.04%16Merit Life Ins Co $2,2980.04%17American Republic Ins Co $2260.00%18American Gen Life Ins Co $450.00%19Securian Life Ins Co $300.00%20

$6,463,641

21 $6,436,784



48

Company Name

DirectPremiums

EarnedPercent

of MarketRank


MULITPLE PERIL CROP

Ace Prop & Cas Ins Co $1,171,89328.38%1American Agri Business Ins Co $970,25723.50%2Western Agric Ins Co $735,19117.80%3State Farm Fire & Cas Co $526,71912.75%4NAU Country Ins Co $461,01211.16%5US Specialty Ins Co $97,3362.36%6Rural Comm Ins Co $60,4481.46%7Indemnity Ins Co Of North Amer $44,3601.07%8FMH Ag Risk Ins Co $31,9960.77%9Cumis Ins Society Inc $29,7200.72%10Casualty Underwriters Ins Co $6270.02%11

$4,129,559

11 $4,129,559



49

Company Name

DirectPremiums

EarnedPercent

of MarketRank


EARTHQUAKE

State Farm Fire & Cas Co $9,274,05524.46%1Farmers Ins Exch $4,660,51512.29%2Fire Ins Exch $3,342,6198.82%3United Serv Automobile Assn $2,106,7375.56%4Zurich Amer Ins Co $2,102,5495.55%5American Family Mut Ins Co $1,155,4593.05%6USAA Cas Ins Co $1,120,0762.95%7Westport Ins Corp $979,3292.58%8CSAA Gen Ins Co $964,7982.54%9Owners Ins Co $762,0552.01%10Insurance Co Of The West $709,9131.87%11Continental Cas Co $681,4901.80%12Pacific Specialty Ins Co $665,9561.76%13Pacific Ind Co $661,9891.75%14Liberty Mut Fire Ins Co $605,9731.60%15XL Ins Amer Inc $570,5681.50%16Amco Ins Co $486,1551.28%17Teachers Ins Co $461,9901.22%18American Natl Prop & Cas Co $459,7551.21%19Metropolitan Grp Prop & Cas Ins Co $433,0851.14%20

$32,205,066

116 $37,916,548



50

Company Name

DirectPremiums

EarnedPercent

of MarketRank


FARMOWNERS MULTIPLE PERIL

Farm Bureau Prop & Cas Ins Co $5,169,65739.81%1Nationwide Agribusiness Ins Co $1,587,59712.23%2State Farm Fire & Cas Co $1,485,13111.44%3National Farmers Union Prop & Cas $906,3006.98%4Mutual Of Enumclaw Ins Co $679,5755.23%5Peerless Ind Ins Co $567,0734.37%6American Family Mut Ins Co $459,8843.54%7Nationwide Mut Ins Co $415,4903.20%8Travelers Ind Co Of Amer $349,3012.69%9Western Agric Ins Co $348,1262.68%10Colorado Cas Ins Co $242,2091.87%11United Heritage Prop & Cas Co $188,3801.45%12Travelers Ind Co $160,6471.24%13Charter Oak Fire Ins Co $82,1450.63%14Indemnity Ins Co Of North Amer $63,7510.49%15National Surety Corp $54,7130.42%16Markel Ins Co $50,2860.39%17Great Amer Ins Co $48,1710.37%18Great Amer Alliance Ins Co $34,8700.27%19American Ins Co $33,5570.26%20

$12,926,863

25 $12,984,831



51

Company Name

DirectPremiums

EarnedPercent

of MarketRank


FEDERAL EMPLOYEES HEALTH BENEFITS PROGRAM PREMIUM

Aetna Life Ins Co $5,529,934100.00%1

$5,529,934

1 $5,529,934



52

Company Name

DirectPremiums

EarnedPercent

of MarketRank


FIDELITY

Travelers Cas & Surety Co Of Amer $1,364,55520.65%1Cumis Ins Society Inc $955,77514.46%2Federal Ins Co $741,90411.22%3National Union Fire Ins Co Of Pitts $610,2969.23%4Western Surety Co $335,5785.08%5Great Amer Ins Co $229,0463.47%6Westchester Fire Ins Co $222,7923.37%7Continental Cas Co $203,7973.08%8Berkley Regional Ins Co $144,9692.19%9Hartford Fire In Co $123,7311.87%10Starr Ind & Liab Co $107,7281.63%11Colonial Surety Co $92,4511.40%12Ohio Cas Ins Co $87,4701.32%13Everest Natl Ins Co $79,3301.20%14Zurich Amer Ins Co $71,8361.09%15Cincinnati Ins Co $68,6571.04%16Fidelity & Deposit Co Of MD $68,4491.04%17St Paul Fire & Marine Ins Co $62,0680.94%18Axis Ins Co $52,9550.80%19United States Fire Ins Co $51,7560.78%20

$5,675,143

98 $6,609,479



53

Company Name

DirectPremiums

EarnedPercent

of MarketRank


FINANCIAL GUARANTY

Assured Guar Municipal Corp $2,884,84953.38%1Ambac Assur Corp $1,387,38325.67%2Assured Guar Corp $558,96810.34%3MBIA Ins Corp $408,4357.56%4Syncora Guar Inc $71,2921.32%5CIFG Assur N Amer Inc $55,5631.03%6National Public Finance Guar Corp $37,6400.70%7Municipal Assur Cor $6740.01%8

$5,404,804

8 $5,404,804



54

Company Name

DirectPremiums

EarnedPercent

of MarketRank


FIRE

American Security Ins Co $36,109,54845.85%1Auto Owners Ins Co $3,660,8604.65%2Affiliated Fm Ins Co $3,561,9074.52%3CSE Safeguard Ins Co $3,220,5154.09%4Liberty Mut Fire Ins Co $2,535,9673.22%5Factory Mut Ins Co $2,334,5022.96%6Travelers Prop Cas Co Of Amer $2,185,6412.78%7Bear River Mut Ins Co $1,667,2152.12%8Zurich Amer Ins Co $1,629,0902.07%9Standard Guar Ins Co $1,236,9141.57%10Cincinnati Ins Co $1,222,9061.55%11XL Ins Amer Inc $1,213,0991.54%12American Home Assur Co $1,106,0991.40%13Travelers Ind Co $951,5491.21%14Allianz Global Risks US Ins Co $874,6191.11%15Safeco Ins Co Of Amer $812,3371.03%16Foremost Ins Co Grand Rapids MI $782,6080.99%17Automobile Ins Co Of Hartford CT $777,7280.99%18HDI Gerling Amer Ins Co $594,8360.76%19Amco Ins Co $585,9230.74%20

$67,063,863

186 $78,759,034



55

Company Name

DirectPremiums

EarnedPercent

of MarketRank


FEDERAL FLOOD

Fire Ins Exch $278,89713.24%1USAA Gen Ind Co $263,58412.51%2Hartford Ins Co Of The Midwest $260,11312.35%3American Bankers Ins Co Of FL $242,83611.53%4Allstate Ins Co $225,83910.72%5Auto Owners Ins Co $156,2337.42%6Wright Natl Flood Ins Co $114,0155.41%7Selective Ins Co Of NY $79,9873.80%8Philadelphia Ind Ins Co $77,1563.66%9American Family Mut Ins Co $71,8903.41%10Nationwide Mut Fire Ins Co $56,3502.67%11Liberty Mut Fire Ins Co $39,3681.87%12Metropolitan Prop & Cas Ins Co $33,9391.61%13CSAA Gen Ins Co $33,6891.60%14Rural Comm Ins Co $32,3041.53%15Hartford Underwriters Ins Co $27,6141.31%16American Natl Prop & Cas Co $23,7781.13%17Foremost Ins Co Grand Rapids MI $21,6071.03%18Homesite Ind Co $16,3850.78%19First Amer Prop & Cas Ins Co $15,4240.73%20

$2,071,008

29 $2,106,580



56

Company Name

DirectPremiums

EarnedPercent

of MarketRank


FRATERNAL LIFE INSURANCE

Independent Order Of Foresters Us Br $2,664,05032.35%1Thrivent Financial For Lutherans $2,109,50425.61%2Knights Of Columbus $1,432,39517.39%3Modern Woodmen Of Amer $1,183,34214.37%4Royal Neighbors Of Amer $747,9669.08%5Woodmen World Life Ins Soc $52,2170.63%6Slovene Natl Benefit Society $14,9190.18%7Croatian Fraternal Union Of Amer $8,8510.11%8United States Letter Carriers Mut Be $7,0380.09%9Assured Life Assn $6,2510.08%10Sons Of Norway $6,0220.07%11Wsa Fraternal Life $1,8310.02%12Order of United Commercial Travelers $1,1200.01%13

$8,235,506

13 $8,235,506



57

Company Name

DirectPremiums

EarnedPercent

of MarketRank


GROUP A & H

SelectHealth Inc $1,050,592,38141.23%1Regence BCBS of UT $410,770,08516.12%2UnitedHealthcare Ins Co $308,683,76712.11%3Altius Hlth Plans Inc $194,895,9797.65%4Cigna Hlth & Life Ins Co $69,900,0442.74%5Aetna Life Ins Co $66,222,7042.60%6Metropolitan Life Ins Co $42,743,0511.68%7Hartford Life & Accident Ins Co $30,159,9361.18%8Ace Amer Ins Co $27,314,4621.07%9Companion Life Ins Co $19,286,6670.76%10Humana Ins Co $18,960,0160.74%11National Hlth Ins Co $17,826,1490.70%12Life Ins Co Of N Amer $16,767,9470.66%13Unum Life Ins Co Of Amer $16,297,0280.64%14Health Care Serv Corp A Mut Legal Re $15,082,8330.59%15Lincoln Natl Life Ins Co $14,017,8220.55%16United Hlthcare of UT Inc $13,732,7630.54%17HCC Life Ins Co $11,818,1990.46%18Deseret Mut Ins Co $10,141,9210.40%19Standard Ins Co $10,001,0350.39%20

$2,365,214,789

186 $2,548,182,706



58

Company Name

DirectPremiums

EarnedPercent

of MarketRank


GROUP LIFE

Hartford Life & Accident Ins Co $36,839,14716.06%1Metropolitan Life Ins Co $31,627,73613.78%2Prudential Ins Co Of Amer $17,172,5467.48%3Great Western Ins Co $17,042,6997.43%4Life Ins Co Of N Amer $10,771,8094.69%5Minnesota Life Ins Co $10,431,9004.55%6Unum Life Ins Co Of Amer $10,055,2174.38%7Lincoln Natl Life Ins Co $9,632,5424.20%8Homesteaders Life Co $9,432,1964.11%9New York Life Ins Co $7,772,3483.39%10LifeMap Assur Co $7,625,5593.32%11Massachusetts Mut Life Ins Co $6,732,9672.93%12Aetna Life Ins Co $6,106,8012.66%13Nationwide Life Ins Co $4,259,7671.86%14US Br Sun Life Assur Co of Canada $4,049,0801.76%15Forethought Life Ins Co $3,378,3431.47%16Principal Life Ins Co $3,357,8301.46%17United Of Omaha Life Ins Co $3,205,2721.40%18Reliance Standard Life Ins Co $3,199,4021.39%19CMFG Life Ins Co $2,998,7051.31%20

$205,691,866

139 $229,450,628



59

Company Name

DirectPremiums

EarnedPercent

of MarketRank


HOMEOWNERS MULTIPLE PERIL

State Farm Fire & Cas Co $89,684,64919.07%1Farmers Ins Exch $35,895,1767.63%2Bear River Mut Ins Co $33,592,0477.14%3Fire Ins Exch $28,372,6096.03%4Allstate Prop & Cas Ins Co $26,954,4795.73%5American Family Mut Ins Co $17,347,6343.69%6Allstate Ind Co $13,176,7062.80%7Farm Bureau Prop & Cas Ins Co $12,687,8402.70%8Allstate Ins Co $11,845,4552.52%9United Serv Automobile Assn $11,657,1852.48%10Owners Ins Co $10,641,5962.26%11CSE Safeguard Ins Co $9,882,9692.10%12USAA Cas Ins Co $9,107,2831.94%13Travelers Home & Marine Ins Co $8,603,7361.83%14Liberty Ins Corp $8,305,3581.77%15Safeco Ins Co Of Amer $7,955,9041.69%16Pacific Ind Co $7,597,0051.62%17CSAA Gen Ins Co $6,986,0681.49%18Metropolitan Prop & Cas Ins Co $6,574,9481.40%19Amco Ins Co $5,986,8771.27%20

$362,855,524

110 $470,249,918



60

Company Name

DirectPremiums

EarnedPercent

of MarketRank


INDIVIDUAL A & H TYPE POLICIES(Non-Cancellable, Guaranteed Renewable, Non-Renewable,

Other Accident Only, All Other Polices)

SelectHealth Inc $386,828,77552.64%1Regence BCBS of UT $56,545,9007.70%2Humana Ins Co $39,367,0075.36%3Humana Medical Plan of UT Inc $24,986,7623.40%4Altius Hlth Plans Inc $24,118,9713.28%5American Family Life Assur Co of Col $23,649,2203.22%6Molina Hlthcare of UT Inc DBA Amfam $23,442,7433.19%7BridgeSpan Hlth Co $15,423,5572.10%8Genworth Life Ins Co $7,909,8551.08%9Northwestern Mut Life Ins Co $6,952,0250.95%10Equitable Life & Cas Ins Co $5,785,9520.79%11Washington Natl Ins Co $5,725,8480.78%12Colonial Life & Accident Ins Co $5,599,6240.76%13Ace Amer Ins Co $5,509,7320.75%14Bankers Fidelity Life Ins Co $4,726,2440.64%15Standard Life & Accident Ins Co $4,400,7030.60%16Berkshire Life Ins Co of Amer $4,001,0870.54%17Massachusetts Mut Life Ins Co $3,876,4580.53%18John Hancock Life Ins Co USA $3,783,9680.51%19Family Heritage Life Ins Co Of Amer $3,609,6850.49%20

$656,244,116

237 $734,834,234



61

Company Name

DirectPremiums

EarnedPercent

of MarketRank


INDUSTRIAL LIFE

Athene Annuity & Life Assur Co $91355.00%1American Natl Ins Co $30518.37%2American Gen Life Ins Co $27216.39%3Western & Southern Life Ins Co $824.94%4Union Security Ins Co $633.80%5Transamerica Premier Life Ins Co $181.08%6Boston Mut Life Ins Co $70.42%7

$1,660

7 $1,660



62

Company Name

DirectPremiums

EarnedPercent

of MarketRank


INLAND MARINE

Continental Cas Co $20,536,47915.25%1American Bankers Ins Co Of FL $10,562,3007.84%2Liberty Ins Underwriters Inc $7,850,4145.83%3Factory Mut Ins Co $7,162,3175.32%4Liberty Mut Ins Co $5,888,9744.37%5Affiliated Fm Ins Co $5,395,7474.01%6Travelers Prop Cas Co Of Amer $4,184,2253.11%7State Farm Fire & Cas Co $3,679,8242.73%8Zurich Amer Ins Co $3,677,4332.73%9Jefferson Ins Co $3,543,8282.63%10New Hampshire Ins Co $2,806,5892.08%11Transamerica Cas Ins Co $2,398,1901.78%12AGCS Marine Ins Co $2,387,7581.77%13Owners Ins Co $2,302,4001.71%14Cincinnati Ins Co $2,142,1451.59%15National Union Fire Ins Co Of Pitts $2,080,7151.54%16Hartford Fire In Co $1,934,8831.44%17Great Amer Assur Co $1,905,6401.41%18American Modern Home Ins Co $1,904,0401.41%19Great West Cas Co $1,754,1221.30%20

$94,098,023

277 $134,688,642



63

Company Name

DirectPremiums

EarnedPercent

of MarketRank


MEDICAL MALPRACTICE

UMIA Ins Inc $26,068,65052.11%1Medical Protective Co $6,639,99913.27%2Continental Ins Co $4,764,5619.52%3Mutual Ins Co Of Az $4,445,2808.89%4Doctors Co An Interins Exch $1,843,4583.68%5American Cas Co Of Reading PA $1,106,6282.21%6Podiatry Ins Co Of Amer $737,0521.47%7Medicus Ins Co $718,5161.44%8NCMIC Ins Co $568,2731.14%9Ace Amer Ins Co $418,2830.84%10Health Care Ind Inc $417,8040.84%11Continental Cas Co $380,0500.76%12Liberty Ins Underwriters Inc $302,8970.61%13TDC Specialty Ins Co $276,5140.55%14Cincinnati Ins Co $254,7520.51%15Freedom Specialty Ins Co $253,0650.51%16National Union Fire Ins Co Of Pitts $209,3770.42%17Allied World Specialty Ins Co $113,9630.23%18PACO Assur Co Inc $102,0010.20%19Pharmacists Mut Ins Co $82,9570.17%20

$49,704,080

38 $50,027,518



64

Company Name

DirectPremiums

EarnedPercent

of MarketRank


MORTGAGE GUARANTY

United Guar Residential Ins Co $20,087,14428.87%1Radian Guar Inc $17,022,17424.46%2Mortgage Guar Ins Corp $11,688,45816.80%3Genworth Mortgage Ins Corp $8,603,24312.36%4Essent Guar Inc $4,892,5667.03%5PMI Mortgage Ins Co $3,177,1994.57%6Republic Mortgage Ins Co $2,413,0323.47%7ARCH Mortgage Ins Co $1,693,4622.43%8United Guar Mortgage Ind Co $9010.00%9MGIC Ind Corp $6360.00%10

$69,578,815

10 $69,578,815



65

Company Name

DirectPremiums

EarnedPercent

of MarketRank


OCEAN MARINE

National Union Fire Ins Co Of Pitts $2,412,57524.77%1AGCS Marine Ins Co $894,7349.19%2Markel Amer Ins Co $750,7387.71%3Foremost Ins Co Grand Rapids MI $656,1306.74%4Zurich Amer Ins Co $591,8316.08%5Continental Ins Co $427,2624.39%6Starr Ind & Liab Co $344,4663.54%7American Reliable Ins Co $317,1163.26%8Travelers Prop Cas Co Of Amer $301,5793.10%9XL Specialty Ins Co $270,6442.78%10GEICO Marine Ins Co $233,6952.40%11AIG Prop Cas Co $224,5272.31%12Hanover Ins Co $189,8301.95%13Navigators Ins Co $187,6411.93%14Federal Ins Co $185,3761.90%15Hartford Fire In Co $161,7731.66%16Liberty Mut Ins Co $144,5101.48%17Axis Ins Co $140,0921.44%18Continental Cas Co $137,5921.41%19Starnet Ins Co $134,3481.38%20

$8,706,459

56 $9,738,460



66

Company Name

DirectPremiums

EarnedPercent

of MarketRank

Table D2015 Utah Market Sh