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Company Details
GOLDEN RULE INSURANCE COMPANY License Status :
Active
NAIC Number :
62286
Phone Number:
3172908100
Company Address:
9800 HEALTH CARE LANE
MINNETONKA, MN 55343
Description:
Life and Health
License Number:
A423280
Date Admitted:
1965-09-27
Market Share
Link to Supplemental Data Page
| Year | Line | Market Share | Direct Premium Written | Direct Premium Earned | Direct Losses Paid | Direct Losses Incurred | Loss Ratio |
|---|---|---|---|---|---|---|---|
| 2021 | Total Accident & Health | 0.10% | $76,364,828 | $76,664,494 | $51,893,183 | $50,620,364 | 66.03 % |
| 2021 | Total Individual Accident & Health | 0.16% | $35,325,137 | $35,460,741 | $17,690,884 | $17,102,650 | 48.23 % |
| 2021 | Individual Comprehensive Medical Expense | 0.33% | $22,954,512 | $23,067,489 | $11,805,977 | $13,067,779 | 56.65 % |
| 2021 | Individual Medicare Supplement | 0.03% | $1,049,459 | $1,058,533 | $857,013 | $927,022 | 87.58 % |
| 2021 | Individual Specified Disease | 0.07% | $548,798 | $550,261 | $0 | $49,097 | 8.92 % |
| 2021 | Individual Accident Only | 0.35% | $1,028,893 | $1,033,437 | $171,433 | $195,252 | 18.89 % |
| 2021 | Individual Disability Income | 0.00% | $4,266 | $5,411 | $0 | $0 | 0.00 % |
| 2021 | Individual Dental | 1.68% | $4,468,988 | $4,467,801 | $2,242,526 | $113 | 0.00 % |
| 2021 | Individual Limited Benefit | 1.78% | $5,270,221 | $5,277,809 | $2,613,935 | $2,863,387 | 54.25 % |
| 2021 | Total Group Accident & Health | 0.08% | $41,039,691 | $41,203,753 | $34,202,299 | $33,517,714 | 81.35 % |
| 2021 | Group Comprehensive Medical Expense - Association | 19.34% | $40,763,975 | $40,927,475 | $34,097,499 | $31,473,297 | 76.90 % |
| 2021 | Group Accident Only | 0.04% | $158,934 | $159,483 | $50,114 | $49,594 | 31.10 % |
| 2021 | Group Dental | 0.01% | $84,447 | $84,354 | $45,022 | $1,984,686 | N/A |
| 2021 | Group Limited Benefit | 0.00% | $32,335 | $32,441 | $9,664 | $10,137 | 31.25 % |
| 2021 | Total Life | 0.00% | $923,063 | $0 | $5,517,160 | $0 | N/A |
| 2021 | Total Individual Life | 0.00% | $866,507 | $0 | $5,517,160 | $0 | N/A |
| 2021 | Individual Whole Life | 0.00% | $0 | $0 | $3,888 | $0 | N/A |
| 2021 | Individual Term Life | 0.05% | $696,534 | $0 | $95,282 | $0 | N/A |
| 2021 | Individual Universal Life | 0.01% | $130,595 | $0 | $1,873,908 | $0 | N/A |
| 2021 | Individual Ordinary Annuities | 0.00% | $39,378 | $0 | $3,544,082 | $0 | N/A |
| 2021 | Total Group Life | 0.00% | $56,556 | $0 | $0 | $0 | N/A |
| 2021 | Group Term Life | 0.00% | $56,556 | $0 | $0 | $0 | N/A |
| 2020 | Total Accident & Health | 0.10% | $73,108,490 | $73,557,443 | $45,077,316 | $47,302,863 | 64.31 % |
| 2020 | Total Individual Accident & Health | 0.12% | $28,475,862 | $28,274,533 | $13,056,901 | $14,228,964 | 50.32 % |
| 2020 | Individual Comprehensive Medical Expense | 0.23% | $16,932,119 | $16,622,866 | $8,105,639 | $9,162,057 | 55.12 % |
| 2020 | Individual Medicare Supplement | 0.04% | $1,199,639 | $1,213,296 | $898,988 | $897,182 | 73.95 % |
| 2020 | Individual Specified Disease | 0.06% | $408,734 | $408,734 | $52,520 | $52,520 | 12.85 % |
| 2020 | Individual Accident Only | 0.30% | $819,893 | $826,597 | $108,498 | $105,375 | 12.75 % |
| 2020 | Individual Disability Income | 0.00% | $6,913 | $6,793 | $0 | $0 | 0.00 % |
| 2020 | Individual Dental | 1.58% | $3,545,465 | $3,574,697 | $1,602,410 | $1,681,395 | 47.04 % |
| 2020 | Individual Limited Benefit | 2.32% | $5,563,099 | $5,621,550 | $2,288,846 | $2,330,435 | 41.46 % |
| 2020 | Total Group Accident & Health | 0.09% | $44,632,628 | $45,282,910 | $32,020,415 | $33,073,899 | 73.04 % |
| 2020 | Group Comprehensive Medical Expense - Association | 19.24% | $44,312,632 | $44,960,612 | $31,897,610 | $32,949,514 | 73.29 % |
| 2020 | Group Accident Only | 0.05% | $186,478 | $187,671 | $67,108 | $67,345 | 35.88 % |
| 2020 | Group Dental | 0.01% | $95,032 | $95,563 | $46,011 | $46,892 | 49.07 % |
| 2020 | Group Limited Benefit | 0.01% | $38,486 | $39,064 | $9,686 | $10,148 | 25.98 % |
| 2020 | Total Life | 0.00% | $1,002,507 | $0 | $6,115,684 | $0 | N/A |
| 2020 | Total Individual Life | 0.00% | $944,410 | $0 | $6,115,684 | $0 | N/A |
| 2020 | Individual Whole Life | 0.00% | $49,287 | $0 | $32,749 | $0 | N/A |
| 2020 | Individual Term Life | 0.02% | $274,677 | $0 | $472,174 | $0 | N/A |
| 2020 | Individual Universal Life | 0.03% | $566,682 | $0 | $2,289,075 | $0 | N/A |
| 2020 | Individual Ordinary Annuities | 0.00% | $53,764 | $0 | $3,321,686 | $0 | N/A |
| 2020 | Total Group Life | 0.00% | $58,097 | $0 | $0 | $0 | N/A |
| 2020 | Group Term Life | 0.00% | $58,097 | $0 | $0 | $0 | N/A |
Enforcements
The department has not taken enforcement action against this company in the past three years.
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2021 | Health | 0.76% | 42 | 193 |
| 2021 | Life and Annuities | 0.01% | 1 | 1241 |
| 2021 | Medicare Supplement Insurance | 0.15% | 0 | 0 |
| 2020 | Health | 0.71% | 45 | 184 |
| 2020 | Life and Annuities | 0.01% | 0 | 0 |
| 2020 | Medicare Supplement Insurance | 0.17% | 0 | 0 |
Company Changes
Market Conduct
Date: 08/15/2019
Date: 02/24/2020
Date: 11/16/2020
Date: 05/13/2021
Financial Exams
This company does not have any financial exams.