Nippon Life Insurance Co of America

"If I could give negative stars I would. The reviewer who gave five stars I suspect is likely a Nippon employee or relative since Nippon is a Japanese company. But I am a real claimant here in the U.S., a real customer/insured who PAYS the premiums for my coverage, and I have been extremely disappointed with Nippon from the start and I know I am one of many who are disappointed with Nippon. My dependent was never denied treatment for a condition he has by other insurers until my firm switched to Nippon, only then did I encounter a problem with the claim. Nippon is the only insurer I have had an issue with in this regard. It's telling that their website which targets employers with its publicity materials touting cost savings; they wrongly assume employers are the "customers" but these days it is the employees themselves who pay premiums. Nippon on its site assures employers who want to save costs that Nippon vigorously reviews claims, which basically means in real terms that they will deny a claim that loses them money. That isn't insurance, that is for-profit motivation that cares nothing about it's insureds who --newsflash -- actually PAY the premiums. Nippon's focus on employers as the customer is misplaced -- employees who nowadays are the ones paying the premiums are the true customers, so if you want to impress, impress me -- the insured - -your true customer. Anecdotally I know of another firm that dropped Nippon mid-year they were so dissatisfied. Pay your claims Nippon. Negative star."