Insurer quality profile · NAIC 86630
FORTITUDE LIFE INSURANCE & ANNUITY COMPANY
Is FORTITUDE LIFE INSURANCE & ANNUITY COMPANY reputable?
Based on Texas DOI complaint data for 2025, FORTITUDE LIFE INSURANCE & ANNUITY COMPANY shows 0.00 confirmed complaints per 1,000 Texas policies in force — zero confirmed complaints 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 FORTITUDE LIFE INSURANCE & ANNUITY 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.
FORTITUDE LIFE INSURANCE & ANNUITY COMPANY's rate is 0.000 per 1,000 policies (across Life and Annuity) — zero confirmed complaints 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: Life and Annuity.
Treasury C570 Surety Certification
FORTITUDE LIFE INSURANCE & ANNUITY 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 FORTITUDE LIFE INSURANCE & ANNUITY COMPANY have?
In 2025, the Texas DOI complaint data records 0 confirmed complaints for FORTITUDE LIFE INSURANCE & ANNUITY COMPANY (NAIC 86630) across Life and Annuity. Based on 10,703 Texas policies in force, the complaint rate is 0.000 confirmed complaints per 1,000 policies. This reflects Texas-filed complaints only and is not a national figure.
What does a complaint rate of 0.00 per 1,000 policies mean for FORTITUDE LIFE INSURANCE & ANNUITY COMPANY?
A rate of 0.000 means that in 2025, FORTITUDE LIFE INSURANCE & ANNUITY COMPANY received 0.000 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 FORTITUDE LIFE INSURANCE & ANNUITY COMPANY Treasury C570 certified for surety bonds?
No. FORTITUDE LIFE INSURANCE & ANNUITY COMPANY (NAIC 86630) 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 FORTITUDE LIFE INSURANCE & ANNUITY 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 FORTITUDE LIFE INSURANCE & ANNUITY COMPANY (NAIC 86630) 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 (86630).
- 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