The Star examined the insurance industry, using consumer complaints totaling more than 10,000 pages, interviewed hundreds of sources and gathered records for all 50 states. After sifting through information regarding the best and worst companies for consumer complaints both nationwide and in Kansas and Missouri, the Star discovered that Allstate Insurance of Northbrook, Illinois "had the most complaints for claims handing in the country," and "Farmer's Insurance Exchange of Los Angeles led all insurers for complaints over using credit histories to set premiums - a practice consumer advocates call discriminatory." In Kansas, American Investors Life Insurance Co. Inc. of Topeka had the worst complaint record of any annuity provider in the state. The study also found widespread fraud, and also that the insurance industry receives more complaints than banks and stock brokerages. Adding to the problems are the people who have scammed billions of dollars out of insurance companies, which raises premiums across the board.