Insurer quality profile · NAIC 86126
MEMBERS LIFE INSURANCE COMPANY
Is MEMBERS LIFE INSURANCE COMPANY reputable?
Based on Texas DOI complaint data for 2025, MEMBERS LIFE INSURANCE COMPANY shows 0.08 confirmed complaints per 1,000 Texas policies in force — a very low complaint rate in this data. This is a Texas-only complaint rate, not a national verdict.
This page informs — it does not rank or recommend. Verify the license at your state Department of Insurance before purchasing.
What the complaint rate means
The complaints-per-1,000-policies figure shows how many confirmed complaints MEMBERS LIFE INSURANCE COMPANY received for every 1,000 Texas policies in force in 2025. It is computed by dividing the confirmed complaint count by the policies-in-force count and multiplying by 1,000. Only carriers with at least 1,000 policies in force are shown this figure, to exclude small-book noise.
MEMBERS LIFE INSURANCE COMPANY's rate is 0.083 per 1,000 policies (across Accident and Health, Life and Annuity) — a very low complaint rate in this data.
This is not a verdict. A higher rate can reflect product mix, policyholder demographics, or the lines the carrier writes — not only claims handling quality. It reflects TX-filed complaints only. Use it as one data point alongside your state DOI and the NAIC Consumer Insurance Search.
Lines covered in this complaint data: Accident and Health, Life and Annuity.
Treasury C570 Surety Certification
MEMBERS LIFE INSURANCE COMPANY is NOT listed on the U.S. Treasury Circular 570 as a certified surety company. Surety certification applies only to federal bonds — it says nothing about this carrier's quality for health, auto, homeowners, or other lines. Verify at fiscal.treasury.gov.
Frequently asked questions
How many complaints does MEMBERS LIFE INSURANCE COMPANY have?
In 2025, the Texas DOI complaint data records 1 confirmed complaint for MEMBERS LIFE INSURANCE COMPANY (NAIC 86126) across Accident and Health, Life and Annuity. Based on 12,042 Texas policies in force, the complaint rate is 0.083 confirmed complaints per 1,000 policies. This reflects Texas-filed complaints only and is not a national figure.
What does a complaint rate of 0.08 per 1,000 policies mean for MEMBERS LIFE INSURANCE COMPANY?
A rate of 0.083 means that in 2025, MEMBERS LIFE INSURANCE COMPANY received 0.083 confirmed complaints for every 1,000 Texas policies in force. Lower is generally better, but this figure reflects Texas-filed complaints only. Product mix, the types of policies sold, and how customers file complaints all affect this number. It is a data point — not a verdict or a ranking.
Is MEMBERS LIFE INSURANCE COMPANY Treasury C570 certified for surety bonds?
No. MEMBERS LIFE INSURANCE COMPANY (NAIC 86126) is NOT listed on the U.S. Treasury Circular 570. Surety certification applies only to federal contract bonds — most personal-lines carriers are not on this list.
How do I verify MEMBERS LIFE INSURANCE COMPANY's license or file a complaint?
To verify a carrier's license, contact your state Department of Insurance — each state has its own licensing database. For complaints, file with your state DOI (not with Coverage Atlas). You can also look up MEMBERS LIFE INSURANCE COMPANY (NAIC 86126) directly at the NAIC Consumer Insurance Search (https://eapps.naic.org/cis/).
What to do next
- Verify the license: before purchasing from any carrier, confirm it is licensed in your state at your state Department of Insurance website.
- File a complaint: if you have an unresolved issue with this carrier, file a complaint with your state DOI — not with Coverage Atlas. State DOIs are the legal authority.
- Look up complaint data yourself: the NAIC Consumer Insurance Search lets you look up any licensed carrier by NAIC code (86126).
- Texas policyholders: complaint data sourced from the Texas Department of Insurance.
RECORDED — complaint counts, policies in force, surety certification, and CA direct premium written are reported figures from named authorities (Texas DOI / NAIC, Treasury C570). DERIVED — the complaints-per-1,000-policies rate are Atlas Commons computations over those reported figures — not published by the source authority.
This profile informs and compares — it does not rank, certify, or advise. To verify a carrier's license or file a complaint, contact your state Department of Insurance. Data generated June 24, 2026.
Machine-readable: JSON-LD · Markdown · Sources: Texas DOI complaints · Treasury C570 · NAIC CIS