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Company Details
GUARDIAN LIFE INSURANCE COMPANY OF AMERICA License Status :
Active
NAIC Number :
64246
Phone Number:
2125988829
Company Address:
10 HUDSON YARDS
NEW YORK, NY 10001
Description:
Life and Health
License Number:
A424129
Date Admitted:
1900-01-01
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 |
|---|---|---|---|---|---|---|---|
| 2023 | Total Accident & Health | 0.47% | $70,080,437 | $69,946,309 | $40,342,622 | $30,171,332 | 43.13 % |
| 2023 | Total Individual Accident & Health | 0.03% | $1,379,211 | $1,386,561 | $1,890,498 | $-288,886 | -20.83 % |
| 2023 | Individual Comprehensive Medical Expense | 0.00% | $1,878 | $2,105 | $3,377 | $-22,705 | -1,078.62 % |
| 2023 | Individual Accident Only | 0.01% | $5,528 | $5,554 | $1,245 | $1,245 | 22.42 % |
| 2023 | Individual Disability Income | 0.54% | $614,473 | $621,425 | $1,417,390 | $-738,508 | -118.84 % |
| 2023 | Individual Dental | 1.44% | $757,332 | $757,477 | $468,486 | $471,082 | 62.19 % |
| 2023 | Total Group Accident & Health | 0.71% | $68,701,226 | $68,559,748 | $38,452,124 | $30,460,218 | 44.43 % |
| 2023 | Group Specified Disease | 7.93% | $4,001,071 | $3,987,330 | $630,824 | $445,487 | 11.17 % |
| 2023 | Group Accident Only | 4.02% | $5,436,292 | $5,422,494 | $1,245,451 | $1,192,067 | 21.98 % |
| 2023 | Group Disability Income | 5.11% | $20,531,347 | $20,467,448 | $11,470,319 | $3,881,417 | 18.96 % |
| 2023 | Group Dental | 9.64% | $31,175,397 | $31,134,469 | $21,915,418 | $21,712,142 | 69.74 % |
| 2023 | Group Limited Benefit | 2.44% | $7,557,119 | $7,548,007 | $3,190,112 | $3,229,105 | 42.78 % |
| 2023 | Total Life | 0.25% | $34,421,750 | $0 | $28,049,991 | $0 | N/A |
| 2023 | Total Individual Life | 0.17% | $16,931,790 | $0 | $16,843,360 | $0 | N/A |
| 2023 | Individual Whole Life | 1.76% | $15,384,440 | $0 | $16,835,421 | $0 | N/A |
| 2023 | Individual Term Life | 0.21% | $1,234,279 | $0 | $7,939 | $0 | N/A |
| 2023 | Individual Universal Life | 0.05% | $313,071 | $0 | $0 | $0 | N/A |
| 2023 | Total Group Life | 0.50% | $17,489,960 | $0 | $11,206,631 | $0 | N/A |
| 2023 | Group Term Life | 2.95% | $17,478,930 | $0 | $11,200,900 | $0 | N/A |
| 2023 | Group Universal Life | 0.02% | $11,030 | $0 | $0 | $0 | N/A |
| 2023 | Group Ordinary Annuities | 0.00% | $0 | $0 | $5,731 | $0 | N/A |
| 2022 | Total Accident & Health | 0.57% | $69,067,426 | $68,639,060 | $43,031,743 | $50,872,632 | 74.12 % |
| 2022 | Total Individual Accident & Health | 0.03% | $1,418,777 | $1,354,809 | $2,267,174 | $2,842,721 | N/A |
| 2022 | Individual Comprehensive Medical Expense | 0.00% | $2,744 | $2,589 | $31,125 | $108,080 | N/A |
| 2022 | Individual Specified Disease | 0.00% | $0 | $0 | $0 | $-294 | N/A |
| 2022 | Individual Accident Only | 0.01% | $6,627 | $6,633 | $460 | $460 | 6.94 % |
| 2022 | Individual Disability Income | 0.62% | $683,373 | $652,352 | $1,850,329 | $2,342,623 | N/A |
| 2022 | Individual Dental | 1.61% | $726,033 | $693,235 | $385,260 | $391,852 | 56.53 % |
| 2022 | Total Group Accident & Health | 0.91% | $67,648,649 | $67,284,251 | $40,764,569 | $48,029,911 | 71.38 % |
| 2022 | Group Specified Disease | 7.70% | $3,718,381 | $3,679,568 | $782,200 | $801,313 | 21.78 % |
| 2022 | Group Accident Only | 3.91% | $5,174,470 | $5,195,624 | $1,266,122 | $1,573,567 | 30.29 % |
| 2022 | Group Disability Income | 5.17% | $19,493,412 | $19,410,425 | $13,254,831 | $20,401,421 | N/A |
| 2022 | Group Dental | 10.38% | $31,579,468 | $31,382,778 | $22,300,333 | $22,177,557 | 70.67 % |
| 2022 | Group Limited Benefit | 2.63% | $7,682,918 | $7,615,856 | $3,161,083 | $3,076,053 | 40.39 % |
| 2022 | Total Life | 0.28% | $40,769,272 | $0 | $35,881,221 | $0 | N/A |
| 2022 | Total Individual Life | 0.25% | $24,158,435 | $0 | $21,824,457 | $0 | N/A |
| 2022 | Individual Whole Life | 2.65% | $22,897,860 | $0 | $21,521,575 | $0 | N/A |
| 2022 | Individual Term Life | 0.15% | $947,504 | $0 | $302,882 | $0 | N/A |
| 2022 | Individual Universal Life | 0.04% | $313,071 | $0 | $0 | $0 | N/A |
| 2022 | Total Group Life | 0.37% | $16,610,837 | $0 | $14,056,764 | $0 | N/A |
| 2022 | Group Term Life | 3.01% | $16,558,445 | $0 | $14,049,931 | $0 | N/A |
| 2022 | Group Universal Life | 0.04% | $52,392 | $0 | $0 | $0 | N/A |
| 2022 | Group Ordinary Annuities | 0.00% | $0 | $0 | $6,833 | $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 |
|---|---|---|---|---|
| 2023 | Health | 0.64% | 16 | 115 |
| 2023 | Life and Annuities | 0.35% | 4 | 153 |
| 2022 | Health | 0.82% | 28 | 156 |
| 2022 | Life and Annuities | 0.35% | 3 | 117 |
Company Changes
Effective Date: 07/01/2001
Comments: Berkshire Life Insurance Co. merged with and into Guardian Life Insurance of America.
Market Conduct
Date: 08/02/2024
Financial Exams
This company does not have any financial exams.