name = "Atlas Commons research objects — carrier quality profile for MANHATTAN NATIONAL LIFE INSURANCE COMPANY (NAIC 67083)"
description = "Insurer-quality data for MANHATTAN NATIONAL LIFE INSURANCE COMPANY (NAIC 67083): 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."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/67083.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/67083/confirmed-complaints-latest"
warrant = "RECORDED"
name = "MANHATTAN NATIONAL LIFE INSURANCE COMPANY had 0 confirmed complaints in 2025"
text = "The TX DOI / NAIC complaint data records 0 confirmed complaints for MANHATTAN NATIONAL LIFE INSURANCE COMPANY (NAIC 67083) in 2025 across 2 lines 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 67083. Falsified if the source figure differs from the published record."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/67083/policies-in-force-latest"
warrant = "RECORDED"
name = "MANHATTAN NATIONAL LIFE INSURANCE COMPANY had 457 TX policies in force in 2025"
text = "The TX DOI / NAIC data records 457 policies in force for MANHATTAN NATIONAL LIFE INSURANCE COMPANY (NAIC 67083) 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 67083."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/67083/surety-certified"
warrant = "RECORDED"
name = "MANHATTAN NATIONAL LIFE 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 MANHATTAN NATIONAL LIFE INSURANCE COMPANY (NAIC 67083) 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 67083. Falsified if the current C570 list contradicts this value."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/67083/boundary"
warrant = "INTERPRETATION"
name = "What this carrier quality profile is — and is NOT — for MANHATTAN NATIONAL LIFE 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/67083"
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 = 0
warrant = "RECORDED"
source = "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)"

[[carrierIndicators]]
indicator = "Policies in force (latest year)"
value = 457
warrant = "RECORDED"
source = "TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)"

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

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

[[complaintLines]]
line_of_insurance = "Life and Annuity"
