Company Details
Company Name:
UNIVERSAL GUARANTY LIFE INSURANCE COMPANYLicense Status:
ActiveNAIC Number:
70130Company Address:
111 West Main Street Stanford, KY 40484
Phone Number:
2172416300Mailing Address:
PO Box 410 Stanford, KY 40484
Description:
Life and Health (Ch 376 & 377, RSMo)License Number:
A421600Date Admitted:
1986-10-20Market Share
| Year | Line | Market Share | Direct Premium Written | Direct Premium Earned | Dividends Paid | Direct Losses Paid | Direct Losses Incurred | In Force | Loss Ratio |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | Total Accident & Health | 0% | $0 | $0 | $0 | $3,600 | $0 | $0 | 0% |
| 2025 | Total Individual Accident & Health | 0% | $0 | $0 | $0 | $3,600 | $0 | $0 | 0% |
| 2025 | Individual Disability Income | 0% | $0 | $0 | $0 | $3,600 | $0 | $0 | 0% |
| 2025 | Total Life & Annuities | 0% | $187,582 | $0 | $6,361 | $786,149 | $0 | $27,254,114 | 0% |
| 2025 | Total Individual Life | 0% | $181,776 | $0 | $6,361 | $706,616 | $0 | $25,677,278 | 0% |
| 2025 | Individual Industrial Life | 2.35% | $1,234 | $0 | $0 | $11,843 | $0 | $922,428 | 0% |
| 2025 | Individual Whole Life | 0% | $36,872 | $0 | $6,361 | $354,483 | $0 | $7,369,376 | 0% |
| 2025 | Individual Term Life | 0% | $7,489 | $0 | $0 | $103,987 | $0 | $1,284,657 | 0% |
| 2025 | Individual Universal Life | 0.03% | $136,181 | $0 | $0 | $236,303 | $0 | $16,100,817 | 0% |
| 2025 | Total Individual Annuities | 0% | $5,806 | $0 | $0 | $79,533 | $0 | $1,576,836 | 0% |
| 2025 | Individual Fixed Annuities | 0% | $5,806 | $0 | $0 | $79,533 | $0 | $1,576,836 | 0% |
| 2025 | Total Individual Life & Annuities | 0% | $187,582 | $0 | $6,361 | $786,149 | $0 | $27,254,114 | 0% |
| 2024 | Total Accident & Health | 0% | $180 | $0 | $0 | $3,600 | $0 | $0 | 0% |
| 2024 | Total Individual Accident & Health | 0% | $180 | $0 | $0 | $3,600 | $0 | $0 | 0% |
| 2024 | Individual Disability Income | 0% | $180 | $0 | $0 | $3,600 | $0 | $0 | 0% |
| 2024 | Total Life & Annuities | 0% | $192,489 | $0 | $6,656 | $826,474 | $0 | $28,588,104 | 0% |
| 2024 | Total Individual Life | 0% | $184,435 | $0 | $6,656 | $726,301 | $0 | $26,998,579 | 0% |
| 2024 | Individual Industrial Life | 0.14% | $1,839 | $0 | $0 | $17,264 | $0 | $966,487 | 0% |
| 2024 | Individual Whole Life | 0% | $42,709 | $0 | $6,656 | $212,854 | $0 | $7,767,290 | 0% |
| 2024 | Individual Term Life | 0% | $8,961 | $0 | $0 | $0 | $0 | $1,396,234 | 0% |
| 2024 | Individual Universal Life | 0.05% | $130,926 | $0 | $0 | $496,183 | $0 | $16,868,568 | 0% |
| 2024 | Total Individual Annuities | 0% | $8,054 | $0 | $0 | $100,173 | $0 | $1,589,525 | 0% |
| 2024 | Individual Fixed Annuities | 0% | $8,054 | $0 | $0 | $100,173 | $0 | $1,589,525 | 0% |
| 2024 | Total Individual Life & Annuities | 0% | $192,489 | $0 | $6,656 | $826,474 | $0 | $28,588,104 | 0% |
| 2023 | Total Accident & Health | 0% | $180 | $0 | $0 | $8,496 | $0 | $0 | 0% |
| 2023 | Total Individual Accident & Health | 0% | $180 | $0 | $0 | $8,496 | $0 | $0 | 0% |
| 2023 | Individual Disability Income | 0% | $180 | $0 | $0 | $8,496 | $0 | $0 | 0% |
| 2023 | Total Life | 0% | $207,128 | $0 | $6,880 | $1,008,007 | $0 | $28,308,910 | 0% |
| 2023 | Total Individual Life | 0% | $207,128 | $0 | $6,880 | $1,008,007 | $0 | $28,308,910 | 0% |
| 2023 | Individual Whole Life | 0.01% | $46,502 | $0 | $0 | $360,749 | $0 | $9,043,812 | 0% |
| 2023 | Individual Term Life | 0% | $9,344 | $0 | $6,880 | $4,041 | $0 | $1,511,250 | 0% |
| 2023 | Individual Universal Life | 0.02% | $142,416 | $0 | $0 | $574,313 | $0 | $17,753,848 | 0% |
| 2023 | Individual Ordinary Annuities | 0% | $8,866 | $0 | $0 | $68,904 | $0 | $0 | 0% |
| 2022 | Total Accident & Health | 0% | $180 | $0 | $0 | $3,600 | $0 | $0 | 0% |
| 2022 | Total Individual Accident & Health | 0% | $180 | $0 | $0 | $3,600 | $0 | $0 | 0% |
| 2022 | Individual Disability Income | 0% | $180 | $0 | $0 | $3,600 | $0 | $0 | 0% |
| 2022 | Total Life | 0% | $222,699 | $0 | $7,504 | $746,406 | $0 | $30,293,000 | 0% |
| 2022 | Total Individual Life | 0% | $222,699 | $0 | $7,504 | $746,406 | $0 | $30,293,000 | 0% |
| 2022 | Individual Whole Life | 0.02% | $139,029 | $0 | $7,481 | $488,150 | $0 | $19,539,000 | 0% |
| 2022 | Individual Term Life | 0% | $4,252 | $0 | $23 | $14,928 | $0 | $394,000 | 0% |
| 2022 | Individual Universal Life | 0.01% | $69,302 | $0 | $0 | $243,328 | $0 | $10,360,000 | 0% |
| 2022 | Individual Ordinary Annuities | 0% | $10,116 | $0 | $0 | $0 | $0 | $0 | 0% |
| 2021 | Total Accident & Health | 0% | $481 | $481 | $0 | $8,496 | $7,117 | $0 | 83.77% |
| 2021 | Total Individual Accident & Health | 0% | $481 | $481 | $0 | $8,496 | $7,117 | $0 | 83.77% |
| 2021 | Individual Disability Income | 0% | $481 | $481 | $0 | $8,496 | $7,117 | $0 | 83.77% |
| 2021 | Total Life | 0% | $233,582 | $0 | $7,964 | $599,042 | $0 | $31,918,577 | 0% |
| 2021 | Total Individual Life | 0% | $233,582 | $0 | $7,964 | $599,042 | $0 | $31,918,577 | 0% |
| 2021 | Individual Whole Life | 0.02% | $146,303 | $0 | $7,940 | $391,773 | $0 | $20,587,482 | 0% |
| 2021 | Individual Term Life | 0% | $4,474 | $0 | $24 | $11,981 | $0 | $414,942 | 0% |
| 2021 | Individual Universal Life | 0.01% | $72,928 | $0 | $0 | $195,288 | $0 | $10,916,153 | 0% |
| 2021 | Individual Ordinary Annuities | 0% | $9,877 | $0 | $0 | $0 | $0 | $0 | 0% |
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2025 | Life and Annuities | 0% | 1 | 0 |
| 2024 | Life and Annuities | 0% | 1 | 7603 |
| 2023 | Health | 0% | 0 | 0 |
| 2023 | Life and Annuities | 0% | 3 | 9999 |
| 2022 | Health | 0% | 0 | 0 |
| 2022 | Life and Annuities | 0% | 2 | 9999 |
| 2021 | Health | 0% | 0 | 0 |
| 2021 | Life and Annuities | 0% | 3 | 9999 |
Company Changes
Date:
2003-07-01Comments:
Abraham Lincoln Insurance Company merged with and into Universal Guaranty Life Insurance Company.Date:
2003-07-01Comments:
Appalachian Life Insurance Company merged with and into Universal Guaranty Life Insurance Company.Date:
2012-01-01Comments:
Efective 1/1/2012 American Capitol Insurance Company merged with and into Universal Guaranty Life Insurance Company. Market Regulation Actions
This company does not have any market regulation actions.
Financial Exams
This company does not have any financial exams.