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Company Details
GOLDEN RULE INSURANCE COMPANY License Status :
Active
NAIC Number :
62286
Phone Number:
317-715-7013
Company Address:
7440 WOODLAND DRIVE
INDIANAPOLIS, IN 46278
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 |
|---|---|---|---|---|---|---|---|
| 2019 | Total Accident & Health | 0.12% | $70,414,435 | $70,469,461 | $44,884,365 | $45,002,299 | 63.86 % |
| 2019 | Total Individual Accident & Health | 0.11% | $20,249,056 | $20,154,059 | $8,037,000 | $9,487,848 | 47.08 % |
| 2019 | Individual Comprehensive Medical Expense | 0.20% | $9,397,292 | $9,230,460 | $3,201,421 | $4,194,401 | 45.44 % |
| 2019 | Individual Medicare Supplement | 0.06% | $1,364,300 | $1,383,607 | $1,033,108 | $1,032,597 | 74.63 % |
| 2019 | Individual Specified Disease | 0.04% | $222,767 | $224,643 | $10,000 | $10,000 | 4.45 % |
| 2019 | Individual Accident Only | 0.26% | $667,734 | $662,737 | $74,986 | $141,904 | 21.41 % |
| 2019 | Individual Disability Income | 0.00% | $10,091 | $6,908 | $0 | $0 | 0.00 % |
| 2019 | Individual Dental | 1.67% | $2,908,629 | $2,927,253 | $1,495,368 | $1,539,119 | 52.58 % |
| 2019 | Individual Limited Benefit | 3.35% | $5,678,243 | $5,718,451 | $2,222,117 | $2,569,827 | 44.94 % |
| 2019 | Total Group Accident & Health | 0.12% | $50,165,379 | $50,315,402 | $36,847,365 | $35,514,451 | 70.58 % |
| 2019 | Group Comprehensive Medical Expense - Association | 32.30% | $49,779,338 | $49,706,227 | $36,462,194 | $35,268,406 | 70.95 % |
| 2019 | Group Accident Only | 0.07% | $225,227 | $446,740 | $302,021 | $161,338 | 36.11 % |
| 2019 | Group Dental | 0.01% | $111,686 | $112,407 | $68,834 | $70,281 | 62.52 % |
| 2019 | Group Limited Benefit | 0.01% | $49,128 | $50,028 | $14,316 | $14,426 | 28.84 % |
| 2019 | Total Life | 0.00% | $1,077,622 | $0 | $6,152,147 | $0 | N/A |
| 2019 | Total Individual Life | 0.01% | $1,014,054 | $0 | $6,152,147 | $0 | N/A |
| 2019 | Individual Whole Life | 0.00% | $47,355 | $0 | $18,371 | $0 | N/A |
| 2019 | Individual Term Life | 0.02% | $269,493 | $0 | $101,455 | $0 | N/A |
| 2019 | Individual Universal Life | 0.04% | $641,618 | $0 | $4,431,053 | $0 | N/A |
| 2019 | Individual Ordinary Annuities | 0.00% | $55,588 | $0 | $1,601,268 | $0 | N/A |
| 2019 | Total Group Life | 0.00% | $63,568 | $0 | $0 | $0 | N/A |
| 2019 | Group Term Life | 0.01% | $63,568 | $0 | $0 | $0 | N/A |
| 2018 | Total Accident & Health | 0.11% | $65,586,108 | $65,471,878 | $44,367,565 | $42,932,550 | 65.57 % |
| 2018 | Total Individual Accident & Health | 0.06% | $11,370,114 | $10,985,471 | $4,745,261 | $4,283,509 | 38.99 % |
| 2018 | Individual Comprehensive Medical Expense | 0.07% | $4,161,933 | $3,874,550 | $1,598,448 | $824,512 | 21.28 % |
| 2018 | Individual Medicare Supplement | 0.07% | $1,512,767 | $1,521,665 | $1,214,908 | $1,102,976 | 72.48 % |
| 2018 | Individual Specified Disease | 0.05% | $239,378 | $240,985 | $0 | $0 | 0.00 % |
| 2018 | Individual Accident Only | 0.15% | $374,164 | $367,381 | $36,489 | $120,613 | 32.83 % |
| 2018 | Individual Disability Income | 0.00% | $10,091 | $8,531 | $0 | $0 | 0.00 % |
| 2018 | Individual Dental | 1.52% | $2,523,525 | $2,523,280 | $1,207,537 | $1,293,016 | 51.24 % |
| 2018 | Individual Limited Benefit | 1.88% | $2,548,256 | $2,449,079 | $687,879 | $942,392 | 38.48 % |
| 2018 | Total Group Accident & Health | 0.13% | $54,215,994 | $54,486,407 | $39,622,304 | $38,649,041 | 70.93 % |
| 2018 | Group Comprehensive Medical Expense - Association | 21.54% | $53,747,466 | $53,736,248 | $39,113,173 | $38,282,079 | 71.24 % |
| 2018 | Group Accident Only | 0.09% | $280,773 | $555,802 | $418,883 | $273,579 | 49.22 % |
| 2018 | Group Dental | 0.01% | $130,101 | $131,445 | $71,714 | $73,863 | 56.19 % |
| 2018 | Group Limited Benefit | 0.01% | $57,654 | $62,912 | $18,534 | $19,520 | 31.03 % |
| 2018 | Total Life | 0.00% | $1,204,532 | $0 | $7,184,348 | $0 | N/A |
| 2018 | Total Individual Life | 0.01% | $1,134,147 | $0 | $7,184,348 | $0 | N/A |
| 2018 | Individual Whole Life | 0.00% | $43,665 | $0 | $510,521 | $0 | N/A |
| 2018 | Individual Term Life | 0.03% | $297,909 | $0 | $291,581 | $0 | N/A |
| 2018 | Individual Universal Life | 0.05% | $722,563 | $0 | $3,723,712 | $0 | N/A |
| 2018 | Individual Ordinary Annuities | 0.00% | $70,010 | $0 | $2,658,534 | $0 | N/A |
| 2018 | Total Group Life | 0.00% | $70,385 | $0 | $0 | $0 | N/A |
| 2018 | Group Term Life | 0.01% | $70,385 | $0 | $0 | $0 | N/A |
| 2017 | Total Accident & Health | 0.12% | $72,471,115 | $73,137,898 | $56,433,124 | $54,652,956 | 74.73 % |
| 2017 | Total Individual Accident & Health | 0.06% | $12,925,170 | $13,325,193 | $7,562,876 | $5,910,935 | 44.36 % |
| 2017 | Individual Comprehensive Medical Expense | 0.07% | $7,796,544 | $8,216,530 | $4,783,882 | $3,195,238 | 38.89 % |
| 2017 | Individual Medicare Supplement | 0.07% | $1,648,263 | $1,667,200 | $1,374,998 | $1,244,270 | 74.63 % |
| 2017 | Individual Specified Disease | 0.05% | $190,108 | $188,754 | $70,000 | $70,000 | 37.09 % |
| 2017 | Individual Accident Only | 0.12% | $278,414 | $272,168 | $20,380 | $27,219 | 10.00 % |
| 2017 | Individual Disability Income | 0.00% | $10,091 | $10,485 | $0 | $0 | 0.00 % |
| 2017 | Individual Dental | 1.43% | $2,323,638 | $2,319,878 | $1,155,534 | $1,205,597 | 51.97 % |
| 2017 | Individual Limited Benefit | 0.59% | $678,112 | $650,178 | $158,082 | $168,611 | 25.93 % |
| 2017 | Total Group Accident & Health | 0.15% | $59,545,945 | $59,812,705 | $48,870,248 | $48,742,021 | 81.49 % |
| 2017 | Group Comprehensive Medical Expense - Association | 22.39% | $58,956,245 | $58,875,043 | $48,218,235 | $48,226,953 | 81.91 % |
| 2017 | Group Accident Only | 0.11% | $353,943 | $700,928 | $548,171 | $402,048 | 57.36 % |
| 2017 | Group Dental | 0.02% | $155,792 | $156,371 | $83,376 | $89,355 | 57.14 % |
| 2017 | Group Limited Benefit | 0.01% | $79,965 | $80,363 | $20,466 | $23,665 | 29.45 % |
| 2017 | Total Life | 0.01% | $1,262,806 | $0 | $6,547,713 | $0 | N/A |
| 2017 | Total Individual Life | 0.01% | $1,186,149 | $0 | $6,497,713 | $0 | N/A |
| 2017 | Individual Whole Life | 0.00% | $42,094 | $0 | $212,489 | $0 | N/A |
| 2017 | Individual Term Life | 0.03% | $298,780 | $0 | $101,223 | $0 | N/A |
| 2017 | Individual Universal Life | 0.05% | $777,432 | $0 | $3,323,539 | $0 | N/A |
| 2017 | Individual Ordinary Annuities | 0.00% | $67,843 | $0 | $2,860,462 | $0 | N/A |
| 2017 | Total Group Life | 0.00% | $76,657 | $0 | $50,000 | $0 | N/A |
| 2017 | Group Term Life | 0.01% | $76,657 | $0 | $50,000 | $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 |
|---|---|---|---|---|
| 2019 | Health | 0.70% | 50 | 185 |
| 2019 | Life and Annuities | 0.01% | 0 | 0 |
| 2019 | Medicare Supplement Insurance | 0.18% | 0 | 0 |
| 2018 | Health | 0.80% | 61 | 185 |
| 2018 | Life and Annuities | 0.01% | 1 | 639 |
| 2018 | Medicare Supplement Insurance | 0.21% | 0 | 0 |
| 2017 | Medicare Supplement Insurance | 0.24% | 0 | 0 |
| 2017 | Health | 0.95% | 71 | 167 |
| 2017 | Life and Annuities | 0.02% | 1 | 563 |
Company Changes
Market Conduct
Date: 08/15/2019
Date: 02/24/2020
Financial Exams
This company does not have any financial exams.