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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 |
|---|---|---|---|---|---|---|---|
| 2022 | Total Accident & Health | 0.11% | $69,067,426 | $68,639,060 | $43,031,743 | $50,872,632 | 74.12 % |
| 2022 | Total Individual Accident & Health | 0.01% | $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 | 0.00% | $6,627 | $6,633 | $460 | $460 | 6.94 % |
| 2022 | Individual Disability Income | 0.30% | $683,373 | $652,352 | $1,850,329 | $2,342,623 | N/A |
| 2022 | Individual Dental | 0.28% | $726,033 | $693,235 | $385,260 | $391,852 | 56.53 % |
| 2022 | Total Group Accident & Health | 0.16% | $67,648,649 | $67,284,251 | $40,764,569 | $48,029,911 | 71.38 % |
| 2022 | Group Specified Disease | 3.74% | $3,718,381 | $3,679,568 | $782,200 | $801,313 | 21.78 % |
| 2022 | Group Accident Only | 1.24% | $5,174,470 | $5,195,624 | $1,266,122 | $1,573,567 | 30.29 % |
| 2022 | Group Disability Income | 2.34% | $19,493,412 | $19,410,425 | $13,254,831 | $20,401,421 | N/A |
| 2022 | Group Dental | 2.29% | $31,579,468 | $31,382,778 | $22,300,333 | $22,177,557 | 70.67 % |
| 2022 | Group Limited Benefit | 0.80% | $7,682,918 | $7,615,856 | $3,161,083 | $3,076,053 | 40.39 % |
| 2022 | Total Life | 0.10% | $40,769,272 | $0 | $35,881,221 | $0 | N/A |
| 2022 | Total Individual Life | 0.10% | $24,158,435 | $0 | $21,824,457 | $0 | N/A |
| 2022 | Individual Whole Life | 1.50% | $22,897,860 | $0 | $21,521,575 | $0 | N/A |
| 2022 | Individual Term Life | 0.06% | $947,504 | $0 | $302,882 | $0 | N/A |
| 2022 | Individual Universal Life | 0.02% | $313,071 | $0 | $0 | $0 | N/A |
| 2022 | Total Group Life | 0.12% | $16,610,837 | $0 | $14,056,764 | $0 | N/A |
| 2022 | Group Term Life | 1.11% | $16,558,445 | $0 | $14,049,931 | $0 | N/A |
| 2022 | Group Universal Life | 0.01% | $52,392 | $0 | $0 | $0 | N/A |
| 2022 | Group Ordinary Annuities | 0.00% | $0 | $0 | $6,833 | $0 | N/A |
| 2021 | Total Accident & Health | 0.09% | $69,134,243 | $69,547,025 | $43,441,947 | $41,873,126 | 60.21 % |
| 2021 | Total Individual Accident & Health | 0.01% | $1,356,521 | $1,335,902 | $1,882,033 | $829,159 | 62.07 % |
| 2021 | Individual Comprehensive Medical Expense | 0.00% | $2,534 | $2,309 | $13,724 | $4,425 | N/A |
| 2021 | Individual Specified Disease | 0.00% | $231 | $114 | $0 | $-375 | -328.95 % |
| 2021 | Individual Accident Only | 0.00% | $4,585 | $4,528 | $0 | $-142 | -3.14 % |
| 2021 | Individual Disability Income | 0.34% | $801,927 | $789,273 | $1,587,324 | $531,269 | 67.31 % |
| 2021 | Individual Dental | 0.20% | $547,244 | $539,678 | $280,985 | $293,982 | 54.47 % |
| 2021 | Total Group Accident & Health | 0.13% | $67,777,722 | $68,211,123 | $41,559,914 | $41,043,967 | 60.17 % |
| 2021 | Group Specified Disease | 3.26% | $3,330,830 | $3,356,681 | $956,216 | $931,266 | 27.74 % |
| 2021 | Group Accident Only | 1.42% | $5,181,475 | $5,257,759 | $975,669 | $349,646 | 6.65 % |
| 2021 | Group Disability Income | 2.44% | $18,583,416 | $18,704,894 | $12,269,502 | $12,172,178 | 65.07 % |
| 2021 | Group Dental | 2.25% | $33,087,391 | $33,252,044 | $23,888,252 | $24,049,259 | 72.32 % |
| 2021 | Group Limited Benefit | 0.84% | $7,594,610 | $7,639,745 | $3,470,275 | $3,541,618 | 46.36 % |
| 2021 | Total Life | 0.10% | $35,181,411 | $0 | $27,998,935 | $0 | N/A |
| 2021 | Total Individual Life | 0.08% | $17,797,989 | $0 | $13,754,576 | $0 | N/A |
| 2021 | Individual Whole Life | 0.98% | $16,568,520 | $0 | $13,616,311 | $0 | N/A |
| 2021 | Individual Term Life | 0.07% | $940,559 | $0 | $138,265 | $0 | N/A |
| 2021 | Individual Universal Life | 0.02% | $288,910 | $0 | $0 | $0 | N/A |
| 2021 | Total Group Life | 0.14% | $17,383,422 | $0 | $14,244,359 | $0 | N/A |
| 2021 | Group Term Life | 1.06% | $17,314,566 | $0 | $14,207,075 | $0 | N/A |
| 2021 | Group Universal Life | 0.05% | $68,856 | $0 | $30,000 | $0 | N/A |
| 2021 | Group Ordinary Annuities | 0.00% | $0 | $0 | $7,284 | $0 | N/A |
| 2020 | Total Accident & Health | 0.09% | $67,577,824 | $67,965,830 | $38,403,407 | $39,852,502 | 58.64 % |
| 2020 | Total Individual Accident & Health | 0.01% | $1,321,078 | $1,339,582 | $1,714,170 | $3,562,511 | N/A |
| 2020 | Individual Comprehensive Medical Expense | 0.00% | $2,436 | $2,328 | $7,239 | $14,394 | N/A |
| 2020 | Individual Specified Disease | 0.00% | $454 | $591 | $0 | $662 | N/A |
| 2020 | Individual Accident Only | 0.00% | $2,555 | $2,474 | $330 | $472 | 19.08 % |
| 2020 | Individual Disability Income | 0.41% | $945,908 | $955,637 | $1,528,069 | $3,375,968 | N/A |
| 2020 | Individual Dental | 0.16% | $369,725 | $378,552 | $178,532 | $171,015 | 45.18 % |
| 2020 | Total Group Accident & Health | 0.13% | $66,256,746 | $66,626,248 | $36,689,237 | $36,289,991 | 54.47 % |
| 2020 | Group Specified Disease | 3.19% | $2,998,469 | $3,043,842 | $739,344 | $914,671 | 30.05 % |
| 2020 | Group Accident Only | 1.45% | $4,994,083 | $5,023,659 | $1,625,649 | $2,221,276 | 44.22 % |
| 2020 | Group Disability Income | 2.53% | $18,214,796 | $18,299,931 | $10,896,721 | $9,896,082 | 54.08 % |
| 2020 | Group Dental | 2.32% | $32,745,564 | $32,890,165 | $20,271,586 | $20,279,561 | 61.66 % |
| 2020 | Group Limited Benefit | 0.93% | $7,303,834 | $7,368,651 | $3,006,846 | $3,017,451 | 40.95 % |
| 2020 | Group Stop Loss | 0.00% | $0 | $0 | $149,091 | $-39,050 | N/A |
| 2020 | Total Life | 0.08% | $32,773,250 | $0 | $25,015,633 | $0 | N/A |
| 2020 | Total Individual Life | 0.07% | $15,610,067 | $0 | $13,577,062 | $0 | N/A |
| 2020 | Individual Whole Life | 1.00% | $14,619,026 | $0 | $12,763,727 | $0 | N/A |
| 2020 | Individual Term Life | 0.05% | $703,945 | $0 | $813,335 | $0 | N/A |
| 2020 | Individual Universal Life | 0.02% | $287,096 | $0 | $0 | $0 | N/A |
| 2020 | Total Group Life | 0.08% | $17,163,183 | $0 | $11,438,571 | $0 | N/A |
| 2020 | Group Term Life | 1.22% | $17,065,920 | $0 | $11,430,287 | $0 | N/A |
| 2020 | Group Universal Life | 0.11% | $97,263 | $0 | $0 | $0 | N/A |
| 2020 | Group Ordinary Annuities | 0.00% | $0 | $0 | $8,284 | $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 |
|---|---|---|---|---|
| 2022 | Health | 0.71% | 28 | 156 |
| 2022 | Life and Annuities | 0.35% | 3 | 117 |
| 2021 | Health | 0.69% | 34 | 171 |
| 2021 | Life and Annuities | 0.34% | 3 | 113 |
| 2020 | Life and Annuities | 0.33% | 4 | 147 |
| 2020 | Health | 0.67% | 38 | 165 |
Company Changes
Effective Date: 07/01/2001
Comments: Berkshire Life Insurance Co. merged with and into Guardian Life Insurance of America.
Market Conduct
This company does not have any market conduct exams or investigations.
Financial Exams
This company does not have any financial exams.