Texas Department of Insurance Logo
333 Guadalupe St. P.O. Box 149104 Austin, TX 78714-9104

RELIABLE LIFE INSURANCE COMPANY, THE

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Table of Contents
General Info | Contact Info | Types of Insurance | Use of Credit | Attorney for Service | Ratings | Financial Info | Premiums | Complaint Ratios | Company History | Company Officers

General Information:

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Type of Entity:  Authorized Company (AUTH)
Status of TX License:  Active
Company Status:  Normal Operations
License Number:  69900
License Type:  Life (LI)
NAIC Number:  68357
TDI Company Number:  69900
FEIN:  430476110
Home City/State:  MO
Origin:  Foreign
Date Incorporated/Organized:  12/28/1911
Date Licensed/Eligible/Registered in Texas:  01/01/1922
Date Cancelled/Ineligible/Inactive:  

Contact Information:

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Mailing Address:  12115 Lackland Road
 Saint Louis MO 63146
Office Number:  (866)415-6301x4627
Toll Free Number:  (800)630-8645
Fax Number:  (314)819-4768


Types of Insurance Licensed to Write:

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Use of Credit:

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To determine if a company uses credit information for private passenger automobile or homeowners insurance.


Attorney for Service:

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Rating By Financial Organization:

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The following organizations rate insurance companies on their financial strength and stability. Some of these companies charge for their services.



Financial Information:

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As of: Dec. 31, 2011 Dec. 31, 2012 Dec. 31, 2013
Total Assets   $21,275,145     $20,908,743     $22,713,375  
Total Liabilities   $8,655,115     $8,020,160     $9,460,821  
Asset to Liability Ratio   2.4     2.6     2.4  
Capital   $4,000,000     $4,000,000     $4,000,000  
Net Surplus   $8,620,029     $8,888,583     $9,252,554  
Total Life Ins   $5,280,231,000     $5,230,645,000     $5,141,690,000  


Premiums:

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As of: Dec. 31, 2011 Dec. 31, 2012 Dec. 31, 2013
Life and Annuities   $78,367,138     $79,639,659     $79,967,643  
Accident and Health   $6,344,198     $6,321,828     $6,635,350  
Property and Casualty   N/A     N/A     N/A  
Total Texas Premium   $84,711,336     $85,961,487     $86,602,993  
National Premium   $110,663,031     $110,745,493     $109,286,647  


Complaint Information:

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When considering the company's complaint index and ratio, be sure to review the company history information displayed below for recent acquisitions, mergers, or other events that may affect the figures displayed for this company.


  Dec 31, 2012 Dec 31, 2013 Apr 11, 2014
Confirmed Complaints:      
Life and Annuity 5 10 3
Accident and Health 0 0 0
Homeowner 0 0 0
Automobile 0 0 0
Workers' Compensation 0 0 0
Complaint Ratio/Index Ratio Index Ratio Index  
Life and Annuities .0008 1.5716 .0017 3.1946 N/A
Accident and Health .0000 .0000 .0000 .0000 N/A
Homeowner N/A N/A N/A N/A N/A
Automobile N/A N/A N/A N/A N/A
Workers' Compensation N/A N/A N/A N/A N/A

Confirmed Complaints: the number of confirmed complaints closed against the company for the line of insurance and year indicated. A complaint is confirmed if the department receives information indicating that a company committed any violation of an applicable state insurance law or regulation, a federal requirement the department has authority to enforce or the term or condition of an insurance policy or certificate. A complaint is also confirmed if the complaint and company's response, considered together, suggest that the company was in error or that the complainant had a valid reason for the complaint.

Complaint Ratios: the ratio, expressed as a percentage, is the number of closed confirmed complaints divided by the number of policies the company had in force for the line of insurance and year indicated.

Complaint Index: indicates how a company's ratio of the number of complaints to the number of policyholders compares to the average for all insurers. The index is calculated by dividing the company's percentage of complaints for a specific line of insurance by the company's percentage of the policies in force for the same line of insurance. The average index is 1.00. A number less than 1 indicates fewer complaints than average; a number greater than 1 indicates more complaints than average. For the most recent completed year, a given insurer's index may change over time, as policy count data is received by TDI. This will affect each insurer's percentage of the total.

Complaints against an insurance company are not part of the complaint tally above if the insurance company served only as a Third Party Administrator (TPA), a company hired simply to administer the paperwork of a health plan. Instead, they are included in the complaint record of the insurance company or HMO that hired the TPA. If a bonafide self-insured benefit plan hired the TPA, no complaint numbers are recorded as a part of the company/TPA's profile. Neither are profiles available for self-insured plans, as such plans are regulated under federal law.


Company History:

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Date Event
12-04-2013 FA-Hours: 13
12-20-2012 TPA Authority: Withdrawn
INSURERS - WITHDREW AUTHORIZATION TO OPERATE AS A THIRD PARTY ADMINISTRATOR, EFFECTIVE 12/20/2012. CANCELLATION REQUEST RECEIVED.
Company Type: TPA Authority
12-16-2008 EFFECTIVE 10/31/2008 THE RELIABLE LIFE INSURANCE COMPANY OF TEXAS, HOUSTON, TEXAS (94332) MERGED INTO COMPANY.
12-17-2004 MOVED HOME OFFICE FROM WEBSTER GROVES, MISSOURI TO SAINT LOUIS, MISSOURI.
03-06-1998 EFFECTIVE 11/01/1997 PARTIALLY REINSURED FAMILY SECURITY INSURANCE COMPANY OF AMERICA (27300) FORT WORTH, TEXAS.
02-03-1994 AUTHORIZED TO OPERATE AS A THIRD PARTY ADMINISTRATOR.
03-05-1993 EFFECTIVE 02/05/1993 REINSURED UNION NATIONAL LIFE INSURANCE COMPANY (85350) HOUSTON, TEXAS.
12-31-1992 EFFECTIVE 10/31/1992 REINSURED M. A. B. S. LIFE INSURANCE COMPANY (93606) HOUSTON, TEXAS
12-30-1991 REINSURED LIBERTY LIFE INSURANCE COMPANY (47870) GREENVILLE, SOUTH CAROLINA.
10-25-1988 PARTIALLY REINSURED FAMILY SECURITY INSURANCE COMPANY OF AMERICA (27300) FORT WORTH, TEXAS
03-24-1967 REINSURED CERTAIN INDUSTRIAL WEEKLY PREMIUM LIFE, HEALTH AND ACCIDENT POLICIES OF SOUTHWEST CAPITOL LIFE INSURANCE COMPANY (77100) FORT WORTH, TEXAS
05-15-1948 MOVED HOME OFFICE FROM SAINT LOUIS, MISSOURI TO WEBSTER GROVES, MISSOURI.
11-17-1943 REINSURED ALL WEEKLY INDUSTRIAL BUSINESS OF STERLING NATIONAL LIFE INSURANCE COMPANY (03881) HOUSTON, TEXAS.
06-07-1943 ASSUMED BUSINESS OF NATIONAL INDUSTRIL LIFE INSURANCE COMPANY, DALLAS, TEXAS (02711) EXCEPT FOR CLAIMS OUTSTANDING AT THAT TIME.
03-03-1941 REINSURED WEEKLY INDUSTRIAL BUSINESS OF CENTURY & EDUCATORS LIFE INSURANCE COMPANY (00633) FORT WORTH, TEXAS.
01-13-1941 TOOK OVER INDUSTRIAL BUSINESS WRITTEN DIRECTLY OR ASSUMED OF GUARDIAN LIFE INSURANCE COMPANY OF TEXAS (01723) DALLAS, TEXAS.
12-26-1936 FORMERLY: RELIABLE LIFE & ACCIDENT INSURANCE COMPANY, THE (03298).
01-01-1922 GRANDFATHERED FOR CAPITAL AND SURPLUS REQUIREMENTS


Company Officers:

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Title Name
President EDWARD J KONAR
Secretary JOHN R CAMILLO
Treasurer THOMAS D MYERS