Insurance Division Annual Report 1996
Insurance DivisionAnnual Report 1996Research & Analysis SectionOregon Department of Consumer& Business ServicesJanuary 1998
Insurance Division Annual ReportCalendar Year 1996Department of Consumer & Business ServicesDirector, Kerry BarnettInsurance DivisionAdministrator, Mary Alice BjorkInformation Management DivisionAdministrator, Dan AdelmanResearch & Analysis SectionManager, Ed BissellResearch Analyst, Heather Ferrin-MyersIn compliance with the Americans with Disabilities Act(ADA), this publication is available in alternativeformats by calling (503) 378-8254 (V/TTY).The information in this report is in the public domainand may be reprinted without permission.You can visit the DCBS web site at http://www.cbs.state.or.usJanuary 1998Information Management Division350 Winter St. NE, Room 300Salem, OR 97310(503) 378-8254
Table of contentsInsurance Division organization . 1Insurance Division revenue and expenditures . 2Company changes, new authorizations. 3Company changes, terminated . 4Company changes, name changes . 5Company changes, other changes . 6Rating organizations . 7Advisory organizations . 8Joint underwriting organizations . 9TablesExplanation of terms used in tables . 11Property & casualty . 13Life business . 14All business . 15Hospital, medical and dental service or indemnity corporations (HMDIs) . 16HMO annual results . 17Fraternal benefit societies . 18Mortgage guaranty . 19Title insurance . 20Oregon surplus lines writing. 21Risk retention groups . 22Historic premium written, all business . 23AppendixOregon state page data index . 24
Annual ReportInsurance DivisionInsurance Division OrganizationThe Insurance Division, to protect the insurance-buying public, regulates insurance companies, agencies, and agents doingbusiness in Oregon. Activities include licensing, monitoring,examining, and investigating. The division also collects andaudits premium taxes on insurance companies.from insurers, which amounted to 69.5 million in general fundmoneys in Fiscal Year 1996; supervision of all surplus linesbusiness in Oregon; and maintenance of security deposits bylicensed insurers. The section also reviews applications for information of risk retention and purchasing groups under theprovisions of the Liability Risk Retention Act of 1986.Administrative Services and OperationsIn addition to providing administrative support to the Insurance Division, the Administrative Services and OperationsSection receives and reviews applications and appointmentsfor agents, firms, and corporations licensed to sell insurance inthe State of Oregon. The section establishes licensing requirements for insurance agents, oversees the development andadministration of licensing examinations, and processes continuing education course registrations.Administrative Services and Operations develops legislationand administrative rules, and tracks legislation during the legislative session. The section is also responsible for developingthe budget of the Insurance Division.Company RegulationMost insurance policies offered for sale in Oregon must firstbe submitted to the insurance administrator for approval. TheCompany Regulation Section oversees the form approval process; the policies that insurance companies offer to consumersare reviewed for legality and fairness. Property and casualtyand health pricing systems are also reviewed to ensure thatsystems are not inadequate, excessive, or unfairly discriminatory. In some cases, advertising and marketing practices arealso reviewed. Additionally, the section provides objective dataand testimony to the Legislature on property and casualtyissues.Company Regulation Section is also responsible for the licensing and examination of all domestic and foreign insurers.Company Regulation activities include maintenance of fileson approximately 1,500 licensed insurers; review of annual financial statements; review of applications to transact insurancebusiness in Oregon; collection of premium and retaliatory taxes1Examination activities include examination of the financial condition, market conduct, and insurance operations for all insurersdomiciled in Oregon at least once every three years, as well asparticipation in the examination of other foreign and alien insurers. Additional responsibilities include administration andreview of filings for new company formations and applicationsfor mergers and/or acquisitions of domestic insurers. The examinations staff also supervises the rehabilitation and liquidationactivities involving domestic insurers.Consumer ProtectionConsumer Services and Enforcement Section responds to complaints and concerns brought to the attention of the insurancecommissioner involving insurance transactions. Inquiries andcomplaints are received by phone, letter, and in person. Whenthere is reason to believe that the insurance code or administrative rules have been violated by an individual, agent, agency,or company, an investigation may be conducted and evidencemay be presented at a formal hearing. This section also conducts workers’ compensation premium audit and classificationhearings, as well as sanction, rate and rulemaking hearings. Inaddition, alternative dispute resolution provides a more costeffective means of resolving workers’ compensation premiumaudit and medical service provider fee disputes.Consumer Advocacy, created in 1987 as a part of the department is intended to make the insurance industry and theregulatory process more responsive to consumer needs andconcerns. The Consumer Advocacy program assists insuranceconsumers through a three-pronged approach: public education; representation in ratemaking and rulemaking hearings; andadvocacy for consumers in the legislative process.
Annual ReportInsurance DivisionInsurance Division revenueand expenditures for fiscal year 1996Revenue - other fundsOther business licenses & feesOther charges for serviceInterest incomeGain (loss) sale of investmentFederal revenueOther sales incomeDonations & grantsOther revenueFire Marshal feesTo Bureau of Public Safety Standards & TrainingTo state policeIntrafund transfers inIntrafund transfers outTotal - other fund revenueRevenue - general fundInsurance taxesFines & forfeituresInterest incomeOther revenueTo State General Fund 7,365)Total - general fund revenue0Total revenueExpendituresPersonal services and services & suppliesCapital outlay 5,885,6905,110,8796,829Total expenditures2 5,117,708
Annual ReportInsurance DivisionCompany ChangesNew authorizations, January 1996 - December esbyterian Church (U.S.A.) FoundationRoman Catholic Archbishop of Portland in Oregon & Successors,a Corporation Sole dba Archdiocese of Portland in OregonMutual Assurance, Inc.Vision Service Plan Insurance CompanyFuneral Directors Life Insurance CompanyTrans Pacific Insurance CompanyProperty and Casualty Insurance Company of HartfordTrumbull Insurance CompanyAlbertina Kerr Center for Children dba Albertina Kerr CentersPacific Communities Hospital FoundationSydney Reinsurance CorporationUniversal Surety of AmericaWestern General Insurance CompanyTexas Life Insurance CompanyLandcar Life Insurance CompanyColonial American Casualty and Surety CompanyPreferred America Insurance CompanyC.P.A. Insurance CompanyAmerican Southern Insurance CompanyAll Savers Insurance CompanyOld Standard Life Insurance CompanyNational Merit Insurance CompanyBankers Fidelity Life Insurance CompanyStatewide Insurance CompanyCedar Hill Assurance CompanyHalcyon Insurance CompanyKaiser Permanente Insurance CompanyGoodwill Industries of the Columbia WillametteUSAA General Indemnity CompanyTechnology Insurance Company, Inc.Surety Bonding Company of AmericaViaticus, Inc.American West Insurance CompanyReliance Reinsurance CompanySouthwestern Oregon Community College FoundationAlbany General Hospital and Health Services FoundationSt. Columban’s Foreign SocietyHyundai Marine and Fire Insurance Company, Ltd.Simpson CollegeConservative Baptist FoundationValley Property and Casualty Insurance Company3Camp Hill, PAPortland, ORBirmingham, ALHartford, CTAbilene, TXNew York, NYIndianapolis, INHartford, CTPortland, ORNewport, ORPhiladelphia, PAHouston, TXEncino, CAWaco, TXMurray, UTBaltimore, MDShaumburg, ILWest Bloomfield, MIAtlanta, GAIndianapolis, INBoise, IDSeattle, WAAtlanta, GAWaukegan, ILAustin, TXMayfield, OHOakland, CAPortland, ORSan Antonio, TXSeoul, KoreaSioux Falls, SDDover, DEGrand Forks, NDWilmington, DECoos Bay, ORAlbany, ORSt. Columban’s, NEDover, DERedding, CAPortland, ORAlbany, OR
Annual ReportInsurance DivisionCompany ChangesTerminated, January 1996 - December 1996CompanyGulf Atlantic Life Insurance CompanyStatesman National Life and Health Insurance CompanyLutheran Benevolent Insurance edsuspendedsuspended(as of 12/31/96)AssetsLiabilities 4,053,953 14,954,520 0 4,053,953 14,954,520 0
Annual ReportInsurance DivisionCompany ChangesName changes, January 1996 - December 09/04/96Old nameNew nameAlexander Hamilton Insurance of AmericaGreat Central Insurance CompanyHamilton National Life Insurance CompanyJC Penney Insurance CompanyMML Pension Insurance CompanyNorth American Benefit AssociationTaisho Marine & Fire Insurance Company of AmericaTransamerica Title Insurance CompanyNational American Life Insurance Company of TexasAetna Life Insurance Company of IllinoisNational Dental Health Insurance CompanyPrairie States Life Insurance CompanyC.E. Heath Compensation & Liability Insurance CompanyFiremark Insurance CompanyFinmar Reinsurance CorporationHealthguard Services Inc. dba SelectcareColonial Life Insurance Company of AmericaCapitol Investors Life Insurance CompanyPioneer Life Insurance Company of IllinoisPeninsula Property & Casualty CompanyInternational General Insurance CorporationAssociated Insurance Companies, Inc. dba Associated Ins. Co.Home Life Financial Assurance CorporationMirus Insurance CompanyPrudential Reinsurance CompanyPacific Compensation Insurance CompanyBankers & Shippers Insurance CompanySavers Life Insurance Company of AmericaWestern Atlantic Reinsurance CorporationAetna Casualty CompanyMedmarc Insurance Company, Inc.First Life Assurance CompanyLincoln National Specialty Insurance CompanyPrudential National Insurance CompanyAmerican Mutual Life Insurance CompanyBankers Security Life Insurance SocietyOhio Hospital Insurance CompanyWestern Fidelity Insurance CompanyUnion Benefit Life Insurance CompanyBeaver Insurance CompanyFG Insurance CorporationSkandia America Reinsurance CorporationNorthwestern National Life Insurance CompanyForemost Life Insurance CompanyThe Mercantile & General Reinsurance Company PLCNational Assurance Underwriters, Inc.Health Insurance of Vermont, Inc.Mt. Hood Life Insurance Company, Inc.New England Variable Life Insurance CompanyRoseburg Health Enterprises, Inc. dba RHEI HealthplanHousehold Insurance CompanyArgonaut Great Central Insurance CompanyHousehold Life Insurance CompanyStonebridge Insurance CompanyMirus Insurance CompanyWoman’s Life Insurance SocietyMitsui Marine & Fire Insurance Company of AmericaTransnation Title Insurance CompanyGeneral Life Insurance CompanyAetna Health & Life Insurance CompanyUnited Dental Care Insurance CompanyAmerican Memorial Life Insurance CompanyCareamerica Compensation & Liability InsuranceAllmerica Financial Benefit Insurance CompanyCrum & Forster Indemnity CompanySelectcare Health PlansChubb Colonial Life Insurance CompanySecurity National Life Insurance CompanyPioneer Life Insurance CompanyU.S. Aegis Energy Insurance CompanyBankers Reserve Life Insurance Company of WisconsinAnthem Insurance Companies, Inc. dba Anthem Insurance Co.Anthem Health & Life Insurance CompanyUnicare Life & Health Insurance CompanyEverest Reinsurance CompanyFremont Pacific Insurance CompanyIntegon National Insurance CompanyPhoenix Life & Annuity CompanyEuropean Reinsurance Corporation of AmericaAetna Insurance Company of ConnecticutMedmarc Mutual Insurance CompanyMedical Savings Insurance CompanyValley National Insurance CompanyEverest National Insurance CompanyAmerus Life Insurance CompanyReliaStar Bankers Security Life Insurance CompanyOHIC Insurance CompanyAFBA Life Insurance CompanyProvident American Life & Health Insurance CompanyFremont American Insurance CompanyAmerican Health Care Indemnity CompanyOdyssey Reinsurance CorporationReliaStar Life Insurance CompanyAssurity Life Insurance CompanyThe Mercantile & General Reinsurance Company LimitedBerkley Regional Insurance CompanyAmerican Network Insurance CompanyWest One Life Insurance CompanyNew England Life Insurance CompanyRoseburg Health Enterprises, Inc.dba RHEI SureCare Healthplans(Continued on page 6)5
Annual ReportInsurance DivisionCompany ChangesName changes, January 1996 - December 1996 20/9612/06/9612/23/9612/30/96Old nameNew nameAmerican Family Life Assurance CompanyCentury Life Insurance CompanyAmerican Combined Life Insurance CompanyMead Reinsurance CorporationRDS Dental Plan, Inc.Guarantee American Life CompanyJohn Hancock Indemnity CompanyUS Health & Life Insurance Company Inc.American Family Life Assurance Company of ColumbusAmerican Equity Investment Life Insurance CompanyResource Life Insurance CompanyMidStates Reinsurance CorporationAdvantage Dental Plan, Inc.NGL American Life Insurance CompanyResponse Insurance CompanyUS Health & Life Insurance CompanyCompany ChangesOther changes, January 1996 - December 606/30/96North American Life Assurance CompanyConnecticut Mutual Life Insurance CompanyAmex Life Assurance CompanyExecutive Fund Life Insurance Company11/20/96 General Security Insurance Company12/31/96 Ford Life Insurance Company12/31/96 Modern American Life Insurance /9607/15/96Anchor National Life Insurance CompanyOld Republic Mercantile Insurance CompanyRepublic Insurance CompanyAetna Life Insurance Company of IllinoisGreat American Life Assurance CompanyHome Life Financial Assurance CompanyITT Hartford Life and Annuity Insurance CompanyCertified Life Insurance CompanyGarden State Life Insurance CompanyPhiladelphia American Life Insurance CompanyTransamerica Assurance 11/9612/31/9612/31/9612/31/9612/31/96Pacific Employers Insurance CompanyNew England Variable Life Insurance CompanyFirst International Life Insurance CompanyBankers Standard Fire and Marine CompanyGeneral Security Insurance CompanyColonial Penn Madison Insurance CompanyCapitol Bankers Life Insurance CompanyMIC General Insurance CorporationMonticello Life Insurance CompanyUS Health and Life Insurance Company, Inc.Withdrawals02/01/96 Fidelity General Life Insurance Company03/01/96 Foresters Indemnity Company03/29/96 Pacific Northwest Life Insurance Company09/13/96 Homeowners Association of America12/16/96 The NavigatorsCertificate of Authority Expired04/30/96 Integrated Resources Life Insurance Company04/30/96 United Community Insurance Company08/01/96 Coronet Insurance Company08/01/96 Universe Life Insurance Company6
Annual ReportInsurance DivisionRating organizationsAmerican Association of Insurance Services1035 S. York RoadBensenville, IL 60106-3497(312) 595-3225ISO Commercial Risk Services, Inc.7 World Trade CenterNew York, NY 10048-1199(212) 898-6000Automobile Insurance Plans Service Office302 Central AvenueJohnston, RI 02919-4995(401) 946-2310Mill & Elevator Rating Bureau8501 W. Higgins Road, Suite 720Chicago, IL 60631-2801P.O. Box 7917 (94120-7917)120 Montgomery Street, Suite 200San Francisco, CA 94104(415) 765-6767(800) 227-4659National Council onCompensation InsuranceOne Penn PlazaNew York, NY 10119(212) 560-1000Factory Mutual Service Bureau1151 Boston-Providence TurnpikeP.O. Box 9102Norwood, MA 02062(617) 762-4300750 Park of Commerce DriveBoca Raton, FL 33431(407) 997-4744Oswego Towne SquareNine Monroe Parkway, Suite 140Lake Oswego, OR 97035(503) 636-6232Hail Information Services, Inc.140 South Atlantic AvenueP.O. Box 2574Ormond Beach, FL 32175-2574(904) 677-4453 and (800) 874-4840National Crop Insurance Services7301 College Boulevard, Suite 170Overland Park, KS 66210(913) 451-0980Insurance Services Office, Inc.7 World Trade CenterNew York, NY 10048-1199(212) 898-6000Surety Association of America100 Wood Avenue, SouthP.O. Box 7600Iselin, NJ 08830-0424(201) 494-7600450 Sansome Street, Suite 1500San Francisco, CA 94111(415) 391-67377
Annual ReportInsurance DivisionAdvisory organizationsAlliance of American Insurers1501 Woodfield Road, Suite 400 WestSchaumburg, IL 60173-4980(312) 490-8500Insurance Research Council1200 Harger Road, Suite 310Oak Brook, IL 60521(708) 572-1177American Nuclear InsurersTown Center, Suite 300S29 South Main StreetWest Hartford, CT 0617-2445(203) 561-3433IRM4401 Barclay Downs DriveCharlotte, NC 28209(704) 551-3000ISO Data, Inc.7 World Trade CenterNew York, NY 10048-1199(212) 898-6000Associated Aviation Underwriters51 John F. Kennedy ParkwayShort Hills, NJ 07078(201) 379-0800National Association of Independent Insurers2600 River RoadDes Plaines, IL 60018-3286(312) 297-7800Highway Loss Data Institute1005 N. Glebe RoadArlington, VA 22201(703) 247-1600National Independent Statistical Service3601 Vincennes RoadP.O. Box 68950Indianapolis, IN 46268-0950(317) 876-6200Industrial Risk InsurersEastern Regional Office85 Woodland StreetP.O. Box 5010 (06102-5010)Hartford, CT 06105-1050(203) 520-7370Oregon Land Title Association, Inc.Robinson Crossing8857 S.W. Nimbus DriveBeaverton, OR 97005(503) 641-8019Inland Marine Underwriters Association14 Wall StreetNew York, NY 10005(212) 233-7958Registered Mail Insurance Association100 William StreetNew York, NY 10038(212) 425-1470(800) 969-RMIAInsurance Institute for Property Loss Reduction73 Tremont Street, Suite 510Boston, MA 02108-3910(617) 722-02008
Annual ReportInsurance DivisionJoint underwriting organizationsAmerican Excess Insurance AssociationRiverbend Executive Park77 Hartland Street, Suite 400East Hartford, CT 06108(203) 528-2105Regional Field Office420 5th Ave., SouthSuite B4Edmonds, WA 98020(206) 672-0793Foreign Credit Insurance Association40 Rector Street, 11th FloorNew York, NY 10006(212) 306-5000Pollution Liability Insurance AssociationOne East Wacker DriveChicago, IL 60601(312) 467-4090Municipal Bond Insurance Associationc/o Municipal Insurers Service Corporation455 Hamilton AvenueBox 788White Plains, NY 10602(914) 681-1300United States Aviation Underwriters110 William StreetNew York, NY 10038(212) 349-2100Pacific Coast Branch Office244 California StreetSan Francisco, CA 94115The National Flood Insurance Program10101 Senate DriveLanham, MD 20706(800) 638-6620(800) 638-65809
Annual ReportInsurance DivisionTABLES10
Annual ReportInsurance DivisionExplanation of Terms Used in TablesThe next several pages show the accounting results of eachcompany for each line of insurance as categorized in the financial reporting format required. These categories do not provideinformation about some specific insurance coverages (such asproducts liability) or classes of insureds (such as houses lessthan five years old). These figures are accounting data intendedfor use in evaluating the financial condition of each company.Comparing premiums and losses in this form provides only arough indication of how appropriately priced each line of business may be for all companies combined. The results reportedfor a single line, company, and year are subject to considerablevariation as well as artificial mechanics of accounting procedures.“Direct” is the term used to describe insurance transactionsbetween the insurance buyer and the insurance company before or without regard to reinsurance transactions amonginsurance companies.years. This includes claims which might not yet have beenreported and claims which have not yet been resolved.“Dividends paid” is the amount paid to policyholders underparticipating agreements. These dividends are paid to policyholders after coverage for which they have paid premiumsexpired. The premiums for which dividends have been paidin the current year are almost entirely written and earned oneto two calendar years before. Hence, dividends paid in 1995are not strictly comparable to 1995 premiums. Dividendspaid to company stockholders are not included.“Premium written” is usually defined as premium billed byproperty and casualty companies. Rules of life insurance accounting require reporting premiums actually collected. Thisitem is a measure of marketing activity in this state for theyear.“Premium earned” is constructed from premium written thisyear and in previous years, and in some instances, premiumto be written in the future for current coverages. It is approximately the pro rata portion of the premium charged for eachpolicy, for the portion of coverage provided, within the calendar year.“Annuity considerations” are revenue received for annuitycontracts during the latest year. This amount corresponds topremium written for insurance contracts. ‘Consideration’ isa term from contract law for payment given by one party toobligate the other to performance specified by contract.“Unearned premium reserves” are premiums written forfuture coverage. This might also be understood as the amountan insurer would have to return to policyholders if it canceled all policies in force. This amount of revenue is deferredfrom earnings to achieve a proper matching with losses andexpenses incurred.“Insurance in force” is the total amount of coverage provided by policies that are in force at a specified moment.These are policies that have become effective and have notexpired or lapsed. This construct is primarily meaningfulfor life insurance or other insurance where a stated amountof coverage is purchased.“Losses paid” is the sum of all payments made during theyear to, or for, the benefit of insurance claimants. These payments include amounts paid in the current year for claimsarising from coverage in prior years, and exclude amountswhich will be paid in future years for claims arising from thecurrent year. Hence, this item is not a measure of the actualcost of current coverages, but only of current cash flows.“Benefits paid” is the amount paid in performance ofobligaions imposed by life or annuity contracts. This corresponds to ‘losses paid’ and includes amounts paid during thecurrent year for obligations incurred in prior years, but doesnot include amounts insurers are obligated to pay in futureyears. This is a cash flow item only and not a measure ofprofitability or the cost of current coverages.“Losses incurred” equals losses paid, plus a year-end estimate of future payments for all current and prior year claims,minus the losses incurred estimate for the preceding year. Ifthese estimates were to be exactly correct, then losses incurred would be the actual cost of all claims on coverageprovided during the current year. However, incurred lossesreported also includes estimated amounts unpaid for incurredbut-not-reported (IBNR) claims.“Loss ratio” equals losses incurred divided by premiumsearned. This is the best accounting representation of the portion of each premium dollar that has been needed to honorthe company’s promise to pay claims. The figures shown aresubject to many artificialities of insurance accounting, suchas those explained above, as well as considerable variationbetween years and among companies.“Losses unpaid” is the insurer’s estimate of amounts to bepaid in the future for coverage provided in the current or prior(Continued on page 12)11
Annual ReportInsurance DivisionThe permissible or expected loss ratios differ according to theorganization and marketing methods used by each company,the line of business, and the particular coverage within a line.Fidelity and surety insurance companies, for instance, expectlosses to be infrequent and the insurers to have recovery rights.Title companies also provide a loss prevention service with infrequent losses expected.The reports for property and casualty and life companies wereobtained from the companies’ Annual Statements, “Direct Business in the state of Oregon during 1996,” as filed with theinsurance commissioner. For informational purposes, the Oregon experience of non-authorized (unlicensed) insurance12companies is shown separately. ORS 735.410 allows a licensed“surplus lines” agent under certain circumstances to place business with companies other than those authorized by theinsurance commissioner to transact business in Oregon. Sincethese companies are authorized by the regulator of some otherstate, or country, the NAIC receives their Annual Statements.A list of authorized insurers is available on request from theInsurance Division as a separate publication. Data containedherein for fraternal, health care service contractors, mortgageguaranty and title companies have been manually compiled bythe Information Management Division.
Annual ReportInsurance DivisionSummary of 1996 business in the state of OregonProperty & ossesincurredDirectlossesunpaidFire 40,832,454 40,881,124 36,090 19,940,890 23,129,024 38,408,814 23,708,176Allied 635,608,41313,432,600Crop multiple 73,703Farmowners multiple 60,44015,053,998Homeowners multiple peril264,242,333256,862,354619,684 139,391,760 243,757,058 198,118,12386,277,568Commercial multiple peril130,201,423125,676,47238,75063,732,199 104,945,26197,280,03943,038,360Commercial 069,97708,723,164471,7578,622,71130,999,900Ocean 12,011,44912,453,111Inland 1452,481,52322,854,232Financial 70,078Medical rs’ compensation617,326,621601,422,199 60,445,15063,349,403 368,312,271 535,335,770 2,429,025,865Other 8,270,130113,800,440395,441,021Products ,3973,90
Annual Report Insurance Division 2 Insurance Division revenue and expenditures for fiscal year 1996 Revenue - other funds Other business licenses & fees 4,263,697 Other charges for service 1,049,840 Interest income 271,553 Gain (loss) sale of investment 19,596 Federal revenue 201,194 Other sales income 17,585 Donations & grants 10,111 Other revenue 405,166 Fire Marshal fees 4,213,643
The king's insurance options 5 Things you need to know 7 The stuff you need to do 14 How to claim 16 Our commitment to you 20 Car insurance 22 Car warranty 37 Shortfall cover 45 Scratch and dent 46 Tyre and rim 48 Motorbike insurance 53 Trailer and caravan insurance 64 Watercraft insurance 68 Home contents insurance 77 Buildings insurance 89
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