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Company Details for:
GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
Address
7 HANOVER SQ MAIL ST H17J FINANCIAL REPORTING & ANALYSISNEW YORK NY, 10004
Phone
212-598-8000Market Share
Link to Supplemental Data Page
Accident & Health
| Year | Line | Market Share |
Num of Insureds |
Direct Prem Written |
Direct Prem Earned |
Div. Paid |
Direct Losses Paid |
Direct Losses Incurr |
Loss Ratio |
|---|---|---|---|---|---|---|---|---|---|
| 2012 | Total Accident & Health | 0.74% | 368,071 | $59,196,888 | $59,056,607 | $31,811 | $39,255,718 | $40,371,875 | 68.36% |
| 2012 | Total Individual Accident & Health | 0.06% | 862 | $1,451,578 | $1,458,959 | $31,811 | $1,636,540 | $1,286,564 | 88.18% |
| 2012 | Individual Comprehensive Medical Expense | 0.00% | 1 | $8,974 | $9,012 | $0 | $6,425 | $-54,755 | -607.58% |
| 2012 | Individual Disability Income | 1.34% | 852 | $1,437,983 | $1,444,827 | $31,811 | $1,628,589 | $1,397,171 | 96.70% |
| 2012 | Individual Limited Benefit | 0.01% | 9 | $4,621 | $5,120 | $0 | $1,526 | $-55,852 | -1090.86% |
| 2012 | Total Group Accident & Health | 1.03% | 367,209 | $57,745,310 | $57,597,648 | $0 | $37,619,178 | $39,085,311 | 67.86% |
| 2012 | Group Comprehensive Medical Expense - Small Employer | 0.00% | 0 | $17,020 | $19,753 | $0 | $122,575 | $51,095 | 258.67% |
| 2012 | Group Specified Disease | 0.57% | 928 | $101,198 | $102,025 | $0 | $850 | $8,728 | 8.55% |
| 2012 | Group Accident Only | 1.14% | 95,759 | $1,072,029 | $1,129,391 | $0 | $319,000 | $5,850 | 0.52% |
| 2012 | Group Disability Income | 4.74% | 64,886 | $12,255,101 | $12,238,628 | $0 | $6,660,172 | $8,249,882 | 67.41% |
| 2012 | Group Dental | 20.26% | 205,636 | $44,299,962 | $44,107,851 | $0 | $30,516,581 | $30,769,756 | 69.76% |
| 2011 | Total Accident & Health | 0.75% | 345,796 | $58,218,619 | $58,187,503 | $33,391 | $39,593,344 | $45,055,769 | 77.43% |
| 2011 | Total Individual Accident & Health | 0.07% | 907 | $1,576,249 | $1,588,589 | $33,391 | $1,066,834 | $2,352,520 | 148.09% |
| 2011 | Individual Comprehensive Medical Expense | 0.00% | 1 | $17,251 | $18,184 | $0 | $14,186 | $-648,564 | -3566.67% |
| 2011 | Individual Disability Income | 1.47% | 894 | $1,552,283 | $1,562,301 | $33,391 | $1,048,436 | $2,781,082 | 178.01% |
| 2011 | Individual Limited Benefit | 0.02% | 12 | $6,715 | $8,104 | $0 | $4,212 | $220,002 | 2714.73% |
| 2011 | Total Group Accident & Health | 1.03% | 344,889 | $56,642,370 | $56,598,914 | $0 | $38,526,510 | $42,703,249 | 75.45% |
| 2011 | Group Comprehensive Medical Expense - Small Employer | 0.04% | 30 | $480,039 | $491,980 | $0 | $397,717 | $181,356 | 36.86% |
| 2011 | Group Comprehensive Medical Expense - Large Employer | 0.03% | 0 | $590,214 | $604,897 | $0 | $517,957 | $236,184 | 39.05% |
| 2011 | Group Specified Disease | 0.39% | 568 | $61,405 | $61,855 | $0 | $0 | $0 | 0.00% |
| 2011 | Group Accident Only | 1.08% | 79,387 | $1,049,626 | $1,084,932 | $0 | $563,250 | $832,792 | 76.76% |
| 2011 | Group Disability Income | 4.40% | 56,500 | $11,120,349 | $11,105,022 | $0 | $5,981,257 | $10,311,800 | 92.86% |
| 2011 | Group Dental | 21.26% | 208,404 | $43,340,737 | $43,250,228 | $0 | $31,066,329 | $31,141,117 | 72.00% |
| 2010 | Total Accident & Health | 0.78% | 330,226 | $59,473,705 | $59,300,669 | $35,109 | $40,727,882 | $41,695,646 | 70.31% |
| 2010 | Total Individual Accident & Health | 0.07% | 954 | $1,666,162 | $1,686,758 | $35,109 | $1,150,435 | $1,364,725 | 80.91% |
| 2010 | Individual Comprehensive Medical Expense | 0.00% | 7 | $19,922 | $20,594 | $0 | $197,698 | $194,948 | 946.63% |
| 2010 | Individual Disability Income | 1.61% | 933 | $1,634,219 | $1,654,087 | $35,109 | $934,692 | $1,155,355 | 69.85% |
| 2010 | Individual Limited Benefit | 0.04% | 14 | $12,021 | $12,077 | $0 | $18,045 | $14,422 | 119.42% |
| 2010 | Total Group Accident & Health | 1.10% | 329,272 | $57,807,543 | $57,613,911 | $0 | $39,577,447 | $40,330,921 | 70.00% |
| 2010 | Group Comprehensive Medical Expense - Small Employer | 0.09% | 131 | $1,034,337 | $1,041,509 | $0 | $847,390 | $822,134 | 78.94% |
| 2010 | Group Comprehensive Medical Expense - Large Employer | 0.14% | 590 | $2,896,799 | $2,916,884 | $0 | $3,155,227 | $3,061,190 | 104.95% |
| 2010 | Group Specified Disease | 0.24% | 469 | $51,030 | $51,006 | $0 | $0 | $0 | 0.00% |
| 2010 | Group Accident Only | 1.12% | 75,333 | $1,073,284 | $1,061,697 | $0 | $311,500 | $335,797 | 31.63% |
| 2010 | Group Disability Income | 4.37% | 57,419 | $11,122,558 | $11,017,594 | $0 | $5,322,950 | $6,046,594 | 54.88% |
| 2010 | Group Dental | 20.86% | 195,330 | $41,629,535 | $41,525,221 | $0 | $29,940,380 | $30,065,206 | 72.40% |
Life
| Year | Line | Market Share |
Num of Insureds |
Direct Prem & Annuities |
Divs Paid |
Direct Claims & Benefits Pd. |
Life Ins in Force |
Benefits Ratio |
|---|---|---|---|---|---|---|---|---|
| 2012 | Total Life | 0.25% | 153,491 | $27,619,941 | $4,683,036 | $22,289,449 | $7,702,174 | 97.66% |
| 2012 | Total Individual Life | 0.20% | 5,513 | $14,115,042 | $4,683,036 | $14,165,282 | $1,443,216 | 133.53% |
| 2012 | Individual Whole Life | 1.64% | 4,651 | $13,132,101 | $4,640,331 | $14,165,282 | $896,084 | 143.20% |
| 2012 | Individual Term Life | 0.21% | 831 | $980,134 | $0 | $0 | $509,251 | 0.00% |
| 2012 | Individual Universal Life | 0.00% | 24 | $0 | $0 | $0 | $37,881 | N/A |
| 2012 | Individual Ordinary Annuities | 0.00% | 7 | $2,807 | $42,705 | $0 | $0 | N/A |
| 2012 | Total Group Life | 0.34% | 147,978 | $13,504,899 | $0 | $8,124,167 | $6,258,958 | N/A |
| 2012 | Group Term Life | 3.00% | 147,978 | $13,504,899 | $0 | $8,099,563 | $6,258,958 | N/A |
| 2012 | Group Ordinary Annuities | 0.00% | 0 | $0 | $0 | $24,604 | $0 | N/A |
| 2011 | Total Life | 0.30% | 111,321 | $30,692,076 | $4,042,788 | $19,958,978 | $6,762,203 | N/A |
| 2011 | Total Individual Life | 0.25% | 5,402 | $18,189,703 | $4,042,788 | $12,023,525 | $1,330,970 | N/A |
| 2011 | Individual Whole Life | 2.19% | 4,614 | $17,198,151 | $4,011,592 | $12,023,525 | $869,328 | N/A |
| 2011 | Individual Term Life | 0.18% | 749 | $817,354 | $0 | $0 | $422,361 | N/A |
| 2011 | Individual Universal Life | 0.00% | 25 | $0 | $0 | $0 | $39,281 | N/A |
| 2011 | Individual Ordinary Annuities | 0.01% | 14 | $174,198 | $31,196 | $0 | $0 | N/A |
| 2011 | Total Group Life | 0.44% | 105,919 | $12,502,373 | $0 | $7,935,453 | $5,431,233 | N/A |
| 2011 | Group Term Life | 2.79% | 105,919 | $12,502,373 | $0 | $7,910,483 | $5,431,233 | N/A |
| 2011 | Group Ordinary Annuities | 0.00% | 0 | $0 | $0 | $24,970 | $0 | N/A |
| 2010 | Total Life | 0.33% | 90,492 | $30,365,830 | $4,043,545 | $16,416,188 | $6,669,500 | N/A |
| 2010 | Total Individual Life | 0.27% | 5,442 | $17,893,694 | $4,043,545 | $8,948,118 | $1,248,238 | N/A |
| 2010 | Individual Whole Life | 2.21% | 4,686 | $16,801,693 | $4,011,781 | $8,948,118 | $828,550 | N/A |
| 2010 | Individual Term Life | 0.21% | 722 | $908,878 | $0 | $0 | $404,983 | N/A |
| 2010 | Individual Universal Life | 0.00% | 10 | $0 | $0 | $0 | $14,705 | N/A |
| 2010 | Individual Ordinary Annuities | 0.01% | 13 | $180,801 | $31,764 | $0 | $0 | N/A |
| 2010 | Individual Deposit-Type Funds | 0.00% | 11 | $2,322 | $0 | $0 | $0 | N/A |
| 2010 | Total Group Life | 0.47% | 85,050 | $12,472,136 | $0 | $7,468,070 | $5,421,262 | N/A |
| 2010 | Group Term Life | 3.23% | 85,050 | $12,472,136 | $0 | $7,441,688 | $5,421,262 | N/A |
| 2010 | Group Ordinary Annuities | 0.00% | 0 | $0 | $0 | $26,382 | $0 | N/A |
Enforcements
The department action has not taken enforcement action against this company in the past three years.
Link to Enforcements Page
Link to Enforcements Page
Complaint Index
Link to Complaint Index Page
| Year | Line | Market Share |
Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2011 | Life and annuities | 0.36% | 4 | 101 |
| 2011 | Health | 0.82% | 19 | 76 |
| 2010 | Life and annuities | 0.34% | 3 | 71 |
| 2010 | Health | 0.83% | 21 | 72 |
Company Changes
- Effective Date: 07/01/2001
- Comments: Berkshire Life Insurance Co. merged with and into Guardian Life Insurance of America.
Market Conduct
This company does not have any market conduct exams or investigations.
Financial Exams
This company does not have any financial exams.