Company Details

  GUARDIAN LIFE INSURANCE COMPANY OF AMERICA License Status :
Active

NAIC Number :

64246


Phone Number:

212-598-8000


Company Address:

10 HUDSON YARDS GUARDIAN LIFE INS. COMPANY
NEW YORK, NY  10001

Description:

Life and Health


License Number:

A424129


Date Admitted:

1869-08-09


Market Share

Link to Supplemental Data Page

Year Line Market Share Direct Premium Earned Direct Premium Written Direct Losses Paid Direct Losses Incurred Loss Ratio
2018 Total Accident & Health 0.06% $65,015,532 $64,614,812 $41,775,751 $34,464,078 53.34 %
2018 Total Individual Accident & Health 0.00% $1,431,780 $1,423,734 $1,547,171 $2,417,934 N/A
2018 Individual Comprehensive Medical Expense 0.00% $2,680 $2,809 $51,484 $14,049 N/A
2018 Individual Accident Only 0.00% $281 $344 $180 $180 52.33 %
2018 Individual Disability Income 0.26% $1,138,901 $1,137,774 $1,375,920 $2,266,984 N/A
2018 Individual Dental 0.09% $289,918 $282,807 $119,587 $136,721 48.34 %
2018 Total Group Accident & Health 0.08% $63,583,752 $63,191,078 $40,228,580 $32,046,144 50.71 %
2018 Group Specified Disease 1.11% $1,931,246 $1,952,428 $630,987 $-137,812 -7.06 %
2018 Group Accident Only 0.58% $3,381,180 $3,425,346 $879,523 $-476,204 -13.90 %
2018 Group Disability Income 1.31% $14,437,640 $14,355,724 $10,170,632 $4,366,874 30.42 %
2018 Group Dental 2.01% $34,327,968 $34,022,817 $23,981,330 $23,920,638 70.31 %
2018 Group Limited Benefit 0.82% $7,775,202 $7,730,403 $3,316,890 $3,028,090 39.17 %
2018 Group Stop Loss 0.05% $1,730,516 $1,704,360 $1,249,218 $1,344,558 78.89 %
2018 Total Life 0.05% $29,289,662 $0 $24,208,682 $0 N/A
2018 Total Individual Life 0.06% $15,697,366 $0 $14,472,513 $0 N/A
2018 Individual Whole Life 0.65% $15,091,033 $0 $14,055,363 $0 N/A
2018 Individual Term Life 0.02% $437,173 $0 $417,150 $0 N/A
2018 Individual Universal Life 0.01% $169,160 $0 $0 $0 N/A
2018 Total Group Life 0.04% $13,592,296 $0 $9,736,169 $0 N/A
2018 Group Term Life 0.62% $13,547,788 $0 $9,726,498 $0 N/A
2018 Group Universal Life 0.03% $44,508 $0 $0 $0 N/A
2018 Group Ordinary Annuities 0.00% $0 $0 $9,671 $0 N/A
2017 Total Accident & Health 0.12% $67,483,686 $67,749,428 $43,583,188 $42,910,990 63.34 %
2017 Total Individual Accident & Health 0.01% $1,340,705 $1,330,805 $1,474,814 $1,597,660 N/A
2017 Individual Comprehensive Medical Expense 0.00% $3,067 $3,178 $8,441 $18,453 N/A
2017 Individual Disability Income 0.57% $1,192,395 $1,195,162 $1,420,836 $1,525,567 N/A
2017 Individual Dental 0.09% $145,243 $132,465 $45,537 $53,640 40.49 %
2017 Total Group Accident & Health 0.17% $66,142,981 $66,418,623 $42,108,374 $41,313,330 62.20 %
2017 Group Specified Disease 1.57% $1,352,979 $1,353,876 $499,123 $614,952 45.42 %
2017 Group Accident Only 0.84% $2,600,288 $2,629,014 $925,912 $1,046,039 39.79 %
2017 Group Disability Income 3.20% $17,098,796 $17,145,436 $11,458,874 $10,163,338 59.28 %
2017 Group Dental 5.58% $42,995,255 $43,173,564 $28,183,675 $28,007,255 64.87 %
2017 Group Limited Benefit 0.08% $348,443 $356,847 $157,445 $298,455 83.64 %
2017 Group Stop Loss 0.12% $1,747,220 $1,759,886 $883,345 $1,183,291 67.24 %
2017 Total Life 0.15% $31,003,471 $0 $22,601,297 $0 N/A
2017 Total Individual Life 0.13% $16,119,818 $0 $11,297,414 $0 N/A
2017 Individual Whole Life 1.29% $14,724,072 $0 $8,695,502 $0 N/A
2017 Individual Term Life 0.12% $1,226,586 $0 $2,601,912 $0 N/A
2017 Individual Universal Life 0.01% $169,160 $0 $0 $0 N/A
2017 Total Group Life 0.19% $14,883,653 $0 $11,303,883 $0 N/A
2017 Group Term Life 1.41% $14,851,138 $0 $11,284,571 $0 N/A
2017 Group Universal Life 0.02% $32,515 $0 $0 $0 N/A
2017 Group Ordinary Annuities 0.00% $0 $0 $19,312 $0 N/A
2016 Total Accident & Health 0.12% $69,720,177 $70,073,499 $45,513,600 $53,492,522 76.34 %
2016 Total Individual Accident & Health 0.01% $1,236,844 $1,251,888 $1,623,295 $1,303,785 N/A
2016 Individual Comprehensive Medical Expense 0.00% $2,871 $4,343 $4,377 $-295 -6.79 %
2016 Individual Disability Income 0.61% $1,233,973 $1,247,545 $1,618,918 $1,304,080 N/A
2016 Total Group Accident & Health 0.19% $68,483,333 $68,821,611 $43,890,305 $52,188,737 75.83 %
2016 Group Specified Disease 1.05% $961,161 $991,076 $330,368 $1,006,092 N/A
2016 Group Accident Only 0.81% $2,324,574 $2,369,209 $1,065,865 $2,387,336 N/A
2016 Group Disability Income 3.99% $20,787,612 $20,840,826 $12,539,967 $18,795,410 90.19 %
2016 Group Dental 5.58% $42,938,979 $43,123,890 $29,535,838 $29,654,952 68.77 %
2016 Group Limited Benefit 0.04% $172,130 $182,086 $67,400 $283,596 N/A
2016 Group Stop Loss 0.10% $1,298,877 $1,314,524 $350,867 $61,351 4.67 %
2016 Total Life 0.14% $32,328,499 $0 $23,505,789 $0 N/A
2016 Total Individual Life 0.10% $15,513,211 $0 $12,588,168 $0 N/A
2016 Individual Whole Life 1.22% $13,861,972 $0 $12,583,912 $0 N/A
2016 Individual Term Life 0.15% $1,490,267 $0 $4,256 $0 N/A
2016 Individual Universal Life 0.01% $160,972 $0 $0 $0 N/A
2016 Total Group Life 0.22% $16,815,288 $0 $10,917,621 $0 N/A
2016 Group Term Life 1.83% $16,801,855 $0 $10,896,211 $0 N/A
2016 Group Universal Life 0.01% $13,433 $0 $0 $0 N/A
2016 Group Ordinary Annuities 0.00% $0 $0 $21,410 $0 N/A

Enforcements

The department has not taken enforcement action against this company in the past three years.

Link to Enforcements Page


Complaint Index

Year Line Market Share Number of Complaints Complaint Index
2018 Health 0.74% 25 82
2018 Life and Annuities 0.34% 3 80
2017 Health 0.80% 25 70
2017 Life and Annuities 0.35% 2 50
2016 Health 0.85% 25 63
2016 Life and Annuities 0.33% 3 78


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.