name = "Atlas Commons research objects — carrier quality profile for INDEPENDENCE AMERICAN INSURANCE COMPANY (NAIC 26581)"
description = "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."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/26581.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/26581/confirmed-complaints-latest"
warrant = "RECORDED"
name = "INDEPENDENCE AMERICAN INSURANCE COMPANY had 3 confirmed complaints in 2025"
text = "The TX DOI / NAIC complaint data records 3 confirmed complaints for INDEPENDENCE AMERICAN INSURANCE COMPANY (NAIC 26581) in 2025 across 1 line of insurance. A directly reported count from the named authority."
source = "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)"
sourceUrl = "https://www.tdi.texas.gov/consumer/complaintchoice.html"
falsifier = "Check the TX DOI / NAIC complaint database directly for NAIC code 26581. Falsified if the source figure differs from the published record."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/26581/policies-in-force-latest"
warrant = "RECORDED"
name = "INDEPENDENCE AMERICAN INSURANCE COMPANY had 2,566 TX policies in force in 2025"
text = "The TX DOI / NAIC data records 2,566 policies in force for INDEPENDENCE AMERICAN INSURANCE COMPANY (NAIC 26581) in 2025. This is the denominator used when computing the complaints-per-1,000-policies rate."
source = "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)"
sourceUrl = "https://www.tdi.texas.gov/consumer/complaintchoice.html"
falsifier = "Verify the policy-count figure in the TX DOI / NAIC filing for NAIC 26581."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/26581/complaints-per-1k"
warrant = "DERIVED"
name = "INDEPENDENCE AMERICAN INSURANCE COMPANY had 1.169 confirmed complaints per 1,000 TX policies in 2025"
text = "The complaints-per-1,000-policies rate for INDEPENDENCE AMERICAN INSURANCE COMPANY (NAIC 26581) is 1.169 for 2025. Computed as: confirmed_complaints_latest ÷ policies_in_force_latest × 1,000. Only present when the book is material (≥1,000 policies in force), so small-book noise is excluded. A lower rate is generally better; however this reflects TX-filed complaints only — not all states, not all lines nationally. THIS IS NOT A RANKING or a verdict on the carrier. Computed by Atlas Commons from TX DOI / NAIC figures; the TX DOI / NAIC publishes the raw counts, not this rate."
source = "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (Atlas Commons derivation)"
sourceUrl = "https://www.tdi.texas.gov/consumer/complaintchoice.html"
falsifier = "Reproduce it: divide confirmed_complaints_latest by policies_in_force_latest and multiply by 1,000 for NAIC 26581. Falsified if the result differs by more than rounding error. Note: this is an Atlas Commons derivation, not a TX DOI-published figure."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/26581/surety-certified"
warrant = "RECORDED"
name = "INDEPENDENCE AMERICAN 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 INDEPENDENCE AMERICAN INSURANCE COMPANY (NAIC 26581) 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."
source = "U.S. Treasury Circular 570 (certified surety companies)"
sourceUrl = "https://fiscaltreasury.gov/services/surety-bonds/list-certified-companies/"
falsifier = "Verify at https://fiscaltreasury.gov/services/surety-bonds/list-certified-companies/: search for NAIC 26581. Falsified if the current C570 list contradicts this value."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/26581/ca-direct-premium"
warrant = "RECORDED"
name = "INDEPENDENCE AMERICAN INSURANCE COMPANY wrote $242,511,144 in California direct premiums across DENTAL ONLY, OTHER HEALTH, PET INSURANCE PLANS, TOTALS, VISION ONLY lines"
text = "Per the California DOI Market Share Report, INDEPENDENCE AMERICAN INSURANCE COMPANY (NAIC 26581) wrote $242,511,144 in California direct premiums across the following lines of insurance: DENTAL ONLY, OTHER HEALTH, PET INSURANCE PLANS, TOTALS, VISION ONLY. A directly reported figure from the CA DOI filing."
source = "California DOI Market Share Report"
sourceUrl = "https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm"
falsifier = "Verify in the CA DOI Market Share Report for NAIC 26581. Falsified if the CA DOI figure differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/26581/ca-loss-ratio"
warrant = "DERIVED"
name = "INDEPENDENCE AMERICAN INSURANCE COMPANY's California direct loss ratio is 65.5%"
text = "The California direct loss ratio for INDEPENDENCE AMERICAN INSURANCE COMPANY (NAIC 26581) is 65.5%. Computed as CA direct losses incurred divided by CA direct premiums earned, using figures from the CA DOI Market Share Report. The CA DOI publishes the component figures; Atlas Commons computes this ratio — it is NOT a CA DOI-published statistic. A loss ratio below 100% means the carrier paid out less in claims than it collected; above 100% means it paid more. Neither extreme is good or bad without market and product context."
source = "California DOI Market Share Report (Atlas Commons derivation)"
sourceUrl = "https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm"
falsifier = "Reproduce it: divide CA direct losses incurred by CA direct premiums earned from the CA DOI Market Share Report for NAIC 26581. Falsified if the ratio differs. Note: this is not a CA DOI-published figure."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/26581/boundary"
warrant = "INTERPRETATION"
name = "What this carrier quality profile is — and is NOT — for INDEPENDENCE AMERICAN 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."
source = "Coverage Atlas framing (over the sources cited above)"
sourceUrl = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/26581"
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."

[[carrierIndicators]]
indicator = "Complaint data year"
value = "2025"
warrant = "RECORDED"
source = "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)"

[[carrierIndicators]]
indicator = "Confirmed complaints (latest year)"
value = 3
warrant = "RECORDED"
source = "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)"

[[carrierIndicators]]
indicator = "Policies in force (latest year)"
value = 2566
warrant = "RECORDED"
source = "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)"

[[carrierIndicators]]
indicator = "Complaints per 1,000 policies (latest year)"
value = "1.1690"
warrant = "DERIVED"
source = "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (Atlas Commons derivation)"

[[carrierIndicators]]
indicator = "Treasury C570 surety certified"
value = "No"
warrant = "RECORDED"
source = "U.S. Treasury Circular 570 (certified surety companies)"

[[carrierIndicators]]
indicator = "CA direct premium written (USD)"
value = 242511144
warrant = "RECORDED"
source = "California DOI Market Share Report"

[[carrierIndicators]]
indicator = "CA direct loss ratio"
value = "65.5%"
warrant = "DERIVED"
source = "California DOI Market Share Report (Atlas Commons derivation)"

[[complaintLines]]
line_of_insurance = "Accident and Health"

[[caLinesWritten]]
line_of_insurance = "DENTAL ONLY"

[[caLinesWritten]]
line_of_insurance = "OTHER HEALTH"

[[caLinesWritten]]
line_of_insurance = "PET INSURANCE PLANS"

[[caLinesWritten]]
line_of_insurance = "TOTALS"

[[caLinesWritten]]
line_of_insurance = "VISION ONLY"
