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The examiners reviewed files drawn from the category of Closed Claims for the period May 1, 2004, through April 30, 2005, commonly referred to as the "review period". The examiners reviewed 50 First Penn-Pacific Insurance Company claim files and 95 Lincoln National Life Insurance Company claim files. The examiners cited 0 claim handling violations of the Fair Claims Settlement Practices Regulations and/or California Insurance Code Section 790.03 within the scope of this report. Further details with respect to the files reviewed and alleged violations are provided in the following tables and summaries.

There were no citations alleged or criticisms of insurer practices made within the scope of this report. There were no recoveries discovered within the scope of this report

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Last Revised - January 12, 2006
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