# Atlas Commons research objects — carrier quality profile for INDEPENDENCE AMERICAN INSURANCE COMPANY (NAIC 26581) — context brief

Insurer-quality data for INDEPENDENCE AMERICAN INSURANCE COMPANY (NAIC 26581): confirmed complaint counts and complaints-per-1,000-policies rate (TX DOI / NAIC, RECORDED and DERIVED), surety certification status (Treasury C570, RECORDED), California direct premium written (CA DOI, RECORDED) and California direct loss ratio (CA DOI, DERIVED). 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.

Claims (warrant · source), each re-fetchable to verify:

- **INDEPENDENCE AMERICAN INSURANCE COMPANY had 3 confirmed complaints in 2025** — RECORDED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **INDEPENDENCE AMERICAN INSURANCE COMPANY had 2,566 TX policies in force in 2025** — RECORDED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **INDEPENDENCE AMERICAN INSURANCE COMPANY had 1.169 confirmed complaints per 1,000 TX policies in 2025** — DERIVED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (Atlas Commons derivation) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **INDEPENDENCE AMERICAN INSURANCE COMPANY is NOT listed on the U.S. Treasury Circular 570 (certified surety companies)** — RECORDED · U.S. Treasury Circular 570 (certified surety companies) (https://fiscaltreasury.gov/services/surety-bonds/list-certified-companies/)
- **INDEPENDENCE AMERICAN INSURANCE COMPANY wrote $242,511,144 in California direct premiums across DENTAL ONLY, OTHER HEALTH, PET INSURANCE PLANS, TOTALS, VISION ONLY lines** — RECORDED · California DOI Market Share Report (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **INDEPENDENCE AMERICAN INSURANCE COMPANY's California direct loss ratio is 65.5%** — DERIVED · California DOI Market Share Report (Atlas Commons derivation) (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **What this carrier quality profile is — and is NOT — for INDEPENDENCE AMERICAN INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/26581)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/26581.jsonld` · anatomy of the research object: see /commons/the-research-object

**INDEPENDENCE AMERICAN INSURANCE COMPANY (NAIC 26581) — every quality indicator (typed)** (7): Complaint data year — 2025 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Confirmed complaints (latest year) — 3 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Policies in force (latest year) — 2566 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**INDEPENDENCE AMERICAN INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (1): Accident and Health…
**INDEPENDENCE AMERICAN INSURANCE COMPANY — lines written in California (RECORDED)** (5): DENTAL ONLY; OTHER HEALTH; PET INSURANCE PLANS…