Company Name:
GUARDIAN LIFE INSURANCE COMPANY OF AMERICACompany Address:
10 HUDSON YARDS
NEW YORK, NY 10001Mailing Address:
10 HUDSON YARDS
NEW YORK, NY 10001Mailing Phone:
2125988000Description:
Life and Health (Ch 376 & 377, RSMo)Date Admitted:
1869-08-09
| Line |
Authorized Date |
| Accident and Health |
1869-08-09 |
| Life, annuities and endowments |
1869-08-09 |
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 |
1.11% |
70,748 |
$945,010 |
$896,027 |
$0 |
$195,000 |
$171,721 |
19.16% |
| Missouri Total |
100.00% |
3,963,850 |
$85,322,660 |
$83,068,482 |
$6,585 |
$45,564,463 |
$36,881,093 |
44.40% |
Group Comprehensive Medical Expense - Large Employer
|
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% |
1,406 |
$4,336,669 |
$4,309,526 |
$0 |
$4,474,343 |
$4,244,518 |
98.49% |
| Missouri Total |
100.00% |
663,158 |
$2,055,332,127 |
$2,050,451,124 |
$0 |
$1,775,423,333 |
$1,775,691,917 |
86.60% |
Group Comprehensive Medical Expense - Small Employer
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.13% |
181 |
$1,372,351 |
$1,363,761 |
$0 |
$1,888,434 |
$1,791,435 |
131.36% |
| Missouri Total |
100.00% |
331,001 |
$1,041,682,994 |
$1,042,234,055 |
$0 |
$812,992,214 |
$818,223,529 |
78.51% |
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 |
20.77% |
190,086 |
$39,897,393 |
$39,768,637 |
$0 |
$28,686,963 |
$28,301,296 |
71.16% |
| Missouri Total |
100.00% |
868,798 |
$192,108,990 |
$189,886,540 |
$0 |
$135,631,538 |
$141,080,718 |
74.30% |
Group 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 |
3.90% |
45,269 |
$10,097,119 |
$10,048,439 |
$0 |
$5,007,291 |
$4,972,803 |
49.49% |
| Missouri Total |
100.00% |
1,373,925 |
$258,760,883 |
$256,420,533 |
$117,532 |
$176,556,410 |
$189,010,903 |
73.71% |
Group 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 |
0.00% |
0 |
$0 |
$0 |
$27,060 |
$0 |
|
| Missouri Total |
100.00% |
312,317 |
$526,376,668 |
$1,467,933 |
$523,939,409 |
$0 |
99.54% |
Group 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 |
0.10% |
134 |
$17,640 |
$17,724 |
$0 |
$5,751 |
$10,940 |
61.72% |
| Missouri Total |
100.00% |
55,530 |
$17,354,144 |
$17,478,106 |
$0 |
$14,916,077 |
$10,612,735 |
60.72% |
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 |
2.55% |
81,309 |
$11,601,686 |
$0 |
$8,252,382 |
$4,803,073 |
71.13% |
| Missouri Total |
100.00% |
3,138,717 |
$455,540,029 |
$1,468,996 |
$489,986,143 |
$188,427,507 |
107.56% |
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 |
0.00% |
5 |
$16,912 |
$16,935 |
$0 |
$18,062 |
$15,404 |
90.96% |
| Missouri Total |
100.00% |
174,200 |
$383,719,171 |
$379,322,658 |
$3,516 |
$277,709,956 |
$268,794,687 |
70.86% |
Individual Deposit-Type Funds
|
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% |
10 |
$3,265 |
$0 |
$0 |
$0 |
0.00% |
| Missouri Total |
100.00% |
36,738 |
$91,432,950 |
$97,555 |
$34,187,288 |
$0 |
37.39% |
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 |
1.69% |
917 |
$1,693,936 |
$1,675,354 |
$32,333 |
$832,302 |
$31,914 |
1.90% |
| Missouri Total |
100.00% |
136,747 |
$100,114,890 |
$100,166,356 |
$4,890,450 |
$58,330,893 |
$68,256,699 |
68.14% |
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 |
0.03% |
19 |
$11,708 |
$10,435 |
$0 |
$26,104 |
$47,731 |
457.41% |
| Missouri Total |
100.00% |
147,488 |
$33,850,119 |
$33,988,206 |
$7,580 |
$16,081,727 |
$15,289,477 |
44.98% |
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% |
13 |
$180,801 |
$32,361 |
$0 |
$0 |
17.90% |
| Missouri Total |
100.00% |
284,596 |
$1,881,745,967 |
$26,323,356 |
$1,193,717,953 |
$0 |
63.44% |
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 |
0.21% |
695 |
$898,105 |
$0 |
$0 |
$382,850 |
0.00% |
| Missouri Total |
100.00% |
779,743 |
$423,071,586 |
$8,376,438 |
$304,322,036 |
$163,806,914 |
71.93% |
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 |
0.02% |
4 |
$93,899 |
$0 |
$0 |
$4,819 |
0.00% |
| Missouri Total |
100.00% |
417,910 |
$536,202,703 |
$4,796,339 |
$501,958,628 |
$48,295,031 |
93.61% |
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 |
1.51% |
4,834 |
$12,081,037 |
$4,081,101 |
$8,503,111 |
$802,814 |
104.16% |
| Missouri Total |
100.00% |
1,884,316 |
$799,312,076 |
$307,533,931 |
$774,801,316 |
$60,890,331 |
96.93% |
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 |
0.79% |
308,765 |
$58,388,738 |
$58,106,838 |
$32,333 |
$41,134,250 |
$39,587,762 |
68.13% |
| Missouri Total |
100.00% |
12,713,587 |
$7,312,311,563 |
$7,274,695,579 |
$5,294,698 |
$5,673,688,510 |
$5,715,495,860 |
78.57% |
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 |
1.11% |
307,824 |
$56,666,182 |
$56,404,114 |
$0 |
$40,257,782 |
$39,492,713 |
70.02% |
| Missouri Total |
100.00% |
10,514,539 |
$5,121,340,548 |
$5,112,068,597 |
$209,111 |
$4,073,597,987 |
$4,087,892,605 |
79.97% |
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 |
0.38% |
81,309 |
$11,601,686 |
$0 |
$8,279,442 |
$4,803,073 |
71.36% |
| Missouri Total |
100.00% |
4,644,293 |
$3,067,810,984 |
$3,318,043 |
$2,619,191,596 |
$209,371,137 |
85.38% |
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 |
0.08% |
941 |
$1,722,556 |
$1,702,724 |
$32,333 |
$876,468 |
$95,049 |
5.58% |
| Missouri Total |
100.00% |
2,199,048 |
$2,190,971,015 |
$2,162,626,982 |
$5,085,587 |
$1,600,090,523 |
$1,627,603,255 |
75.26% |
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 |
0.21% |
5,556 |
$13,257,107 |
$4,113,462 |
$8,503,111 |
$1,190,483 |
95.17% |
| Missouri Total |
100.00% |
3,897,052 |
$6,338,128,203 |
$353,920,026 |
$4,496,127,439 |
$298,413,344 |
70.94% |
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 |
0.26% |
86,865 |
$24,858,793 |
$4,113,462 |
$16,782,553 |
$5,993,556 |
84.06% |
| Missouri Total |
100.00% |
8,541,345 |
$9,405,939,187 |
$357,238,069 |
$7,115,319,035 |
$507,784,481 |
75.65% |