H Section

Life Insurance carriers with a web presence
are invited to be listed here free of charge.

When friends pass on -- In settling the affairs of family or friends you may discover insurance policies from companies you have never heard of. You can't even find them on THIS page. Are they still around, folded, gone forever, or still thriving under a different name? Click HERE and my service will help you find them.

A major company whose name would have appeared in this alpha-numeric spot has insisted it does not belong on this list. I am sorry for any inconvenience.

J.C. Penney Life Insurance Company is a member of the
AEGON Group and is licensed to sell insurance in all states.
J.C. Penney Life Insurance Company is no longer owned by
J.C.Penney Corporation, Inc., but it is licensed by JCPenney
to market approved products to customers of JCPenney.

John Hancock Mutual Life If you did not receive a
demutualization information package and are a John
Hancock policyholder, please read your policy carefully.
If your policy was issued by John Hancock Mutual Life
Insurance Company (JHMLICO), we encourage you to
search our database or call 1-800-333-9231 to determine
if you are eligible for compensation.

John Hancock Life helps you save for college, plan for
retirement and cover your insurance needs.

K Section

Kaiser Permanente

On Jan. 23 of 2003 in Oakland California, Kaiser Permanente agreed to post on its website the clinical guidelines developed by its physicians.

These guidelines are consulted for treatment of conditions ranging from asthma to visual impairment. Kaiser Permanente will also provide information on its physician compensation structure. Both are part of a settlement jointly announced on the 23rd by Kaiser Permanente and the Foundation for Taxpayer and Consumer Rights (FTCR), Consumers for Quality Care (CQC) and the Steven Andrew Olsen Coalition for Patients' Rights.

In 1999 two lawsuits were filed alleging false advertising and other violations of California's Unfair Competition Law.

"The goal of Kaiser Permanente is to work hand in hand with our members to continually improve the quality of care and service," stated Bernard Tyson, Senior Vice President, Kaiser Foundation Health Plan and Kaiser Foundation Hospitals.

"It is particularly gratifying to turn conflict into a productive collaboration with these important consumer groups."

Even during the litigation, Kaiser Permanente began to implement other major elements of the agreement and will expand these efforts:

For example: Kaiser Permanente will expand its efforts to encourage members to select a personal physician in order to give members every opportunity to have a personal physician.

Kaiser Permanente will continue to devote resources to physician recruitment to ensure appropriate numbers of well-qualified doctors.

Kaiser Permanente reaffirms that its call center employees do not and will not receive financial incentives to limit or deny access.

In addition, Kaiser Permanente plans to survey its members on how to improve call center operations. Based on the survey results, Kaiser Permanente will make appropriate improvements to call center operations.

On top of all that, Kaiser Permanente will contribute to an ongoing study on the delivery of emergency care services in all California hospitals.

The plaintiffs expressed their satisfaction with the settlement.

"Kaiser Permanente has set an important bar for public disclosure that other health plans should meet," said Jamie Court, executive director for the Foundation for Taxpayer and Consumer Rights.

Scott Olsen, president of the Steven Andrew Olsen Coalition for Patients' Rights, said, "We are glad this settlement will give patients the information and choices they need. Kaiser has set an example for every other health plan in the nation."

KFHP is America's largest non-profit health plan. Founded more than 55 years ago, with headquarters in Oakland, California, KFHP serves the healthcare needs of 8.4 million members, primarily on a pre-payment basis.

Kaiser Permanente is the trade name for the organizations that comprise the Kaiser Permanente Medical Care Program. These organizations consist of Kaiser Foundation Health Plan, Inc., Kaiser Foundation Hospitals, their subsidiaries, and the Permanente Medical Groups, independent physician group practices that contract exclusively with KFHP and its health plan subsidiaries to provide or arrange medical services for KFHP members.

Nationwide, Kaiser Permanente includes about 128,000 technical, administrative and clerical employees and about 11,000 physicians representing all specialties.

Kansas City Life Insurance Company. "Our goal is to give you
a quick picture of what life insurance can do for you and your family.
No big words or confusing charts, just easy to understand facts with
options to get more information on what interests you."

Life of Georgia currently insures over one million people and
serves over 500,000 households in the Southeast. This web
site is not functioning at this time. Apparently its register company
went out of business.

http://www.luso-american.org/ Welcome to the world of the Luso American Life Insurance Society and its divisions Luso American Fraternal Federation, Portuguese Continental Union and Luso American Education Foundation.

Manhattan Life Insurance Company The Manhattan Insurance Group
acquired the Manhattan Life Insurance Company in 2000, and will soon
be marketing the latest life products designed to meet the needs of today's
families. Affiliated companies are Central United Life and Investors
Consolidated Insurance.

Mid Atlantic Medical Services, Inc. (MAMSI) is a regional
health services company. Our health plans cover about 1.9
million lives and offer a choice of products, a commitment to
customer service and an emphasis on quality improvement.

Motorists Life has over 2,000 agents in 7 states, Indiana,
Kentucky, Michigan, Ohio, Penn, Wisconsin, West Virginia.

The National Service Life Insurance (NSLI) program was created
on October 8, 1940, to manage the insurance needs of World War
II service personnel. Over 22 million NSLI policies were issued from
1940 until the program was closed to new issues on April 25, 1951.
Policies were issued under a variety of permanent plans and as renewable
term insurance. Today there are 1.9 million policies still in force and the
average age of policyholders is 74 years. Annual dividends are paid on
these policies. The maximum face amount of a policy is $10,000.

Nation's Hazard Insurance Agency: Pennsylvania Insurance Commissioner Diane Koken today announced that she has shut down the operations of Nation's Hazard Insurance Agency, which has been doing business as Nation's Hazard Insurance Company. The company is an illegal insurance entity that sold errors and omissions coverage for home inspectors, using the Internet as his primary means of communicating and soliciting business. None of the "policies" issued were valid.

Koken has ordered its principal, Michael Francis Napadow, to cease and desist and pay a penalty in the sum of $230,000, as well as pay restitution in full to any and all Pennsylvania residents from whom the company solicited and accepted premium payments.

"Mr. Napadow has caused irreparable harm to Pennsylvania consumers by selling fake insurance policies, which may not provide sufficient, if any, coverage," Commissioner Koken said. "I urge people shopping for insurance to check with their state's Insurance Department before they buy to verify they are dealing with a licensed insurance company and a licensed insurance producer."

Northwestern Mutual Life Insurance When it comes to securing your
financial future, don't wait. The earlier you begin, the easier it is to achieve.
Founded in 1857, Northwestern Mutual is the fifth largest life insurance
company in the United States, with assets exceeding $86 billion. Fortune®
magazine named Northwestern Mutual "Most Admired" life insurance
company for the 17th year.

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K Section

Kaiser Permanente