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  "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/16755.jsonld",
  "@type": "schema:Dataset",
  "name": "Atlas Commons research objects — carrier quality profile for MANHATTANLIFE OF AMERICA INSURANCE COMPANY (NAIC 16755)",
  "description": "Insurer-quality data for MANHATTANLIFE OF AMERICA INSURANCE COMPANY (NAIC 16755): confirmed complaint counts and complaints-per-1,000-policies rate (TX DOI / NAIC, RECORDED and DERIVED), surety certification status (Treasury C570, RECORDED). Epistemic status of each figure is labeled. This surface informs; it does not rank or advise. Verify license at your state DOI before purchasing. CC0.",
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  "about": {
    "@type": "schema:Organization",
    "name": "MANHATTANLIFE OF AMERICA INSURANCE COMPANY",
    "identifier": "16755"
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  "claims": [
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/16755/confirmed-complaints-latest",
      "@type": "schema:Claim",
      "name": "MANHATTANLIFE OF AMERICA INSURANCE COMPANY had 0 confirmed complaints in 2022",
      "text": "The TX DOI / NAIC complaint data records 0 confirmed complaints for MANHATTANLIFE OF AMERICA INSURANCE COMPANY (NAIC 16755) in 2022 across 1 line of insurance. A directly reported count from the named authority.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
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        "groundingType": "SourceCitation",
        "source": "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)",
        "sourceUrl": "https://www.tdi.texas.gov/consumer/complaintchoice.html",
        "value": "0 confirmed complaints (2022)",
        "adjudicator": {
          "name": "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)",
          "url": "https://www.tdi.texas.gov/consumer/complaintchoice.html"
        }
      },
      "falsifier": "Check the TX DOI / NAIC complaint database directly for NAIC code 16755. Falsified if the source figure differs from the published record."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/16755/policies-in-force-latest",
      "@type": "schema:Claim",
      "name": "MANHATTANLIFE OF AMERICA INSURANCE COMPANY had 73 TX policies in force in 2022",
      "text": "The TX DOI / NAIC data records 73 policies in force for MANHATTANLIFE OF AMERICA INSURANCE COMPANY (NAIC 16755) in 2022. This is the denominator used when computing the complaints-per-1,000-policies rate.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)",
        "sourceUrl": "https://www.tdi.texas.gov/consumer/complaintchoice.html",
        "value": "73 TX policies in force",
        "adjudicator": {
          "name": "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)",
          "url": "https://www.tdi.texas.gov/consumer/complaintchoice.html"
        }
      },
      "falsifier": "Verify the policy-count figure in the TX DOI / NAIC filing for NAIC 16755."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/16755/surety-certified",
      "@type": "schema:Claim",
      "name": "MANHATTANLIFE OF AMERICA INSURANCE COMPANY is NOT listed on the U.S. Treasury Circular 570 (certified surety companies)",
      "text": "The U.S. Treasury Circular 570 does NOT list MANHATTANLIFE OF AMERICA INSURANCE COMPANY (NAIC 16755) as a certified company holding a certificate of authority from the Secretary of the Treasury to act as surety on federal bonds. Surety certification is specific to federal bonds; it does not certify the carrier's quality for other lines of insurance.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "U.S. Treasury Circular 570 (certified surety companies)",
        "sourceUrl": "https://fiscaltreasury.gov/services/surety-bonds/list-certified-companies/",
        "value": "No — not on Treasury C570",
        "adjudicator": {
          "name": "U.S. Treasury Circular 570 (certified surety companies)",
          "url": "https://fiscaltreasury.gov/services/surety-bonds/list-certified-companies/"
        }
      },
      "falsifier": "Verify at https://fiscaltreasury.gov/services/surety-bonds/list-certified-companies/: search for NAIC 16755. Falsified if the current C570 list contradicts this value."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/16755/boundary",
      "@type": "schema:Claim",
      "name": "What this carrier quality profile is — and is NOT — for MANHATTANLIFE OF AMERICA INSURANCE COMPANY (the epistemic boundary)",
      "text": "This profile contains REPORTED complaint figures (TX DOI / NAIC), a DERIVED complaints-per-1,000-policies rate (TX complaints only, material books only), a DERIVED California loss ratio, and CA DOI premium data. It is NOT a ranking, a recommendation, a safety certification, or advice. A higher complaints-per-1,000-policies rate means more TX-filed confirmed complaints per policy — a factual rate, not a verdict. Product mix, policyholder demographics, and reporting differences all affect this figure. Before purchasing, verify the carrier's license at your state Department of Insurance, not here. The Texas DOI (for TX-licensed carriers), CA DOI, and NAIC Consumer Insurance Search are the authoritative verification surfaces.",
      "claimType": "interpretation",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
      },
      "grounding": {
        "groundingType": "Interpretation",
        "source": "Coverage Atlas framing (over the sources cited above)",
        "sourceUrl": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/16755",
        "value": "complaints-per-1k rate + CA figures + surety cert; NOT a ranking or safety verdict",
        "adjudicator": null
      },
      "falsifier": "occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not a DOI verdict) — the LOWEST-warrant claim here. The complaint counts, rate, and CA figures above are sourced facts; this boundary note is interpretation."
    }
  ],
  "hasPart": [
    {
      "@type": "schema:ItemList",
      "name": "MANHATTANLIFE OF AMERICA INSURANCE COMPANY (NAIC 16755) — every quality indicator (typed)",
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          "position": 1,
          "item": {
            "indicator": "Complaint data year",
            "value": "2022",
            "warrant": "RECORDED",
            "source": "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)"
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          "position": 2,
          "item": {
            "indicator": "Confirmed complaints (latest year)",
            "value": 0,
            "warrant": "RECORDED",
            "source": "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)"
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            "indicator": "Policies in force (latest year)",
            "value": 73,
            "warrant": "RECORDED",
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          }
        },
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          "position": 4,
          "item": {
            "indicator": "Treasury C570 surety certified",
            "value": "No",
            "warrant": "RECORDED",
            "source": "U.S. Treasury Circular 570 (certified surety companies)"
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      "@type": "schema:ItemList",
      "name": "MANHATTANLIFE OF AMERICA INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)",
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            "line_of_insurance": "Accident and Health"
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