Company Name:
GOLDEN RULE INSURANCE COMPANYCompany Address:
500 E. 96th Street
Indianapolis, IN 46240Mailing Address:
9800 Health Care Lane
Minnetonka, MN 55343Description:
Life and Health (Ch 376 & 377, RSMo)Date Admitted:
1965-09-27
| Line |
Authorized Date |
| Accident and Health |
1965-09-27 |
| Life, annuities and endowments |
1965-09-27 |
Group Accident Only
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.33% |
1,684 |
$353,943 |
$700,928 |
$0 |
$548,171 |
$402,048 |
57.36% |
| Missouri Total |
100.00% |
6,067,185 |
$106,534,521 |
$105,209,625 |
$6,428 |
$47,178,677 |
$50,921,510 |
48.40% |
Group Comprehensive Medical Expense - Association
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
73.98% |
17,374 |
$58,956,245 |
$58,875,043 |
$0 |
$48,218,235 |
$48,226,953 |
81.91% |
| Missouri Total |
100.00% |
28,633 |
$79,695,463 |
$83,228,161 |
$0 |
$67,896,627 |
$66,781,656 |
80.24% |
Group Dental
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.06% |
371 |
$155,792 |
$156,371 |
$0 |
$83,376 |
$89,355 |
57.14% |
| Missouri Total |
100.00% |
734,667 |
$245,599,771 |
$244,314,159 |
$0 |
$161,017,689 |
$162,927,287 |
66.69% |
Group Limited Benefit
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.04% |
798 |
$79,965 |
$80,363 |
$0 |
$20,466 |
$23,665 |
29.45% |
| Missouri Total |
100.00% |
3,343,635 |
$212,700,682 |
$212,419,098 |
$9,582 |
$139,844,105 |
$141,432,022 |
66.58% |
Group Term Life
|
Market Share |
Number of Insureds |
Direct Premium and Annuities |
Dividends Paid |
Direct Claims and Benefits Paid |
Life Insurance in Force |
Benefits Ratio |
| Company Total |
0.02% |
308 |
$76,657 |
$0 |
$50,000 |
$31,779 |
65.23% |
| Missouri Total |
100.00% |
2,099,550 |
$507,813,492 |
$1,660,330 |
$385,781,284 |
$204,449,653 |
75.97% |
Individual Accident Only
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.46% |
1,361 |
$278,414 |
$272,168 |
$0 |
$20,380 |
$27,219 |
10.00% |
| Missouri Total |
100.00% |
393,021 |
$60,851,889 |
$60,538,383 |
$0 |
$25,153,595 |
$26,631,367 |
43.99% |
Individual Comprehensive Medical Expense
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.49% |
3,556 |
$7,796,544 |
$8,216,530 |
$0 |
$4,783,882 |
$3,195,238 |
38.89% |
| Missouri Total |
100.00% |
266,884 |
$1,590,335,037 |
$1,573,627,885 |
$2,212 |
$1,139,799,127 |
$1,079,482,093 |
68.60% |
Individual Dental
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
6.60% |
5,633 |
$2,323,638 |
$2,319,878 |
$0 |
$1,155,534 |
$1,205,597 |
51.97% |
| Missouri Total |
100.00% |
107,309 |
$35,222,379 |
$34,784,887 |
$0 |
$20,310,084 |
$20,275,754 |
58.29% |
Individual Disability Income
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.01% |
21 |
$10,091 |
$10,485 |
$0 |
$0 |
$0 |
0.00% |
| Missouri Total |
100.00% |
127,227 |
$110,062,683 |
$108,945,005 |
$8,849,510 |
$68,673,653 |
$85,142,628 |
78.15% |
Individual Limited Benefit
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
1.71% |
4,297 |
$678,112 |
$650,178 |
$0 |
$158,082 |
$168,611 |
25.93% |
| Missouri Total |
100.00% |
145,191 |
$39,645,578 |
$39,900,226 |
$5,138 |
$15,485,140 |
$15,608,594 |
39.12% |
Individual Medicare Supplement
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.30% |
616 |
$1,648,263 |
$1,667,200 |
$0 |
$1,374,998 |
$1,244,270 |
74.63% |
| Missouri Total |
100.00% |
237,947 |
$545,008,656 |
$545,241,327 |
$0 |
$411,859,542 |
$410,582,735 |
75.30% |
Individual Ordinary Annuities
|
Market Share |
Number of Insureds |
Direct Premium and Annuities |
Dividends Paid |
Direct Claims and Benefits Paid |
Life Insurance in Force |
Benefits Ratio |
| Company Total |
0.01% |
461 |
$67,843 |
$0 |
$2,860,462 |
$0 |
4,216.30% |
| Missouri Total |
100.00% |
205,610 |
$808,264,043 |
$35,759,816 |
$1,135,245,412 |
$0 |
140.45% |
Individual Specified Disease
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.21% |
823 |
$190,108 |
$188,754 |
$0 |
$70,000 |
$70,000 |
37.09% |
| Missouri Total |
100.00% |
287,470 |
$89,910,995 |
$90,168,382 |
$3,469 |
$47,598,763 |
$50,559,722 |
56.07% |
Individual Term Life
|
Market Share |
Number of Insureds |
Direct Premium and Annuities |
Dividends Paid |
Direct Claims and Benefits Paid |
Life Insurance in Force |
Benefits Ratio |
| Company Total |
0.06% |
672 |
$298,780 |
$0 |
$101,223 |
$100,355 |
33.88% |
| Missouri Total |
100.00% |
795,249 |
$525,385,950 |
$8,845,988 |
$339,675,856 |
$203,596,900 |
64.65% |
Individual Universal Life
|
Market Share |
Number of Insureds |
Direct Premium and Annuities |
Dividends Paid |
Direct Claims and Benefits Paid |
Life Insurance in Force |
Benefits Ratio |
| Company Total |
0.12% |
721 |
$777,432 |
$0 |
$3,323,539 |
$68,559 |
427.50% |
| Missouri Total |
100.00% |
406,253 |
$660,286,496 |
$8,499,156 |
$943,715,575 |
$69,951,763 |
142.93% |
Individual Whole Life
|
Market Share |
Number of Insureds |
Direct Premium and Annuities |
Dividends Paid |
Direct Claims and Benefits Paid |
Life Insurance in Force |
Benefits Ratio |
| Company Total |
0.01% |
177 |
$42,094 |
$1,461 |
$212,489 |
$1,880 |
508.27% |
| Missouri Total |
100.00% |
1,592,541 |
$775,630,125 |
$276,746,998 |
$771,374,555 |
$56,539,870 |
99.45% |
Total Accident & Health
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.69% |
36,534 |
$72,471,115 |
$73,137,898 |
$0 |
$56,433,124 |
$54,652,956 |
74.73% |
| Missouri Total |
100.00% |
16,482,012 |
$10,499,610,539 |
$10,421,638,811 |
$9,249,439 |
$8,012,819,707 |
$8,027,300,051 |
77.03% |
Total Group Accident & Health
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.86% |
20,227 |
$59,545,945 |
$59,812,705 |
$0 |
$48,870,248 |
$48,742,021 |
81.49% |
| Missouri Total |
100.00% |
14,217,095 |
$6,943,037,395 |
$6,881,941,443 |
$389,093 |
$5,393,230,226 |
$5,400,281,309 |
78.47% |
Total Group Life
|
Market Share |
Number of Insureds |
Direct Premium and Annuities |
Dividends Paid |
Direct Claims and Benefits Paid |
Life Insurance in Force |
Benefits Ratio |
| Company Total |
0.00% |
308 |
$76,657 |
$0 |
$50,000 |
$31,779 |
65.23% |
| Missouri Total |
100.00% |
3,221,793 |
$4,528,316,816 |
$9,988,567 |
$3,617,917,486 |
$238,585,539 |
79.90% |
Total Individual Accident & Health
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.36% |
16,307 |
$12,925,170 |
$13,325,193 |
$0 |
$7,562,876 |
$5,910,935 |
44.36% |
| Missouri Total |
100.00% |
2,264,917 |
$3,556,573,144 |
$3,539,697,368 |
$8,860,346 |
$2,619,589,481 |
$2,627,018,742 |
74.22% |
Total Individual Life
|
Market Share |
Number of Insureds |
Direct Premium and Annuities |
Dividends Paid |
Direct Claims and Benefits Paid |
Life Insurance in Force |
Benefits Ratio |
| Company Total |
0.02% |
2,031 |
$1,186,149 |
$1,461 |
$6,497,713 |
$170,794 |
547.92% |
| Missouri Total |
100.00% |
3,623,481 |
$5,943,949,765 |
$335,416,271 |
$7,663,891,933 |
$351,896,788 |
128.94% |
Total Life
|
Market Share |
Number of Insureds |
Direct Premium and Annuities |
Dividends Paid |
Direct Claims and Benefits Paid |
Life Insurance in Force |
Benefits Ratio |
| Company Total |
0.01% |
2,339 |
$1,262,806 |
$1,461 |
$6,547,713 |
$202,573 |
518.62% |
| Missouri Total |
100.00% |
6,845,274 |
$10,472,266,581 |
$345,404,838 |
$11,281,809,419 |
$590,482,327 |
107.73% |