Company Details
Company Name:
GOLDEN RULE INSURANCE COMPANYLicense Status:
ActiveNAIC Number:
62286Company Address:
7440 WOODLAND DRIVE INDIANAPOLIS, IN 46278-1719
Phone Number:
3172908100Mailing Address:
9800 HEALTH CARE LANE MINNETONKA, MN 55343
Description:
Life and Health (Ch 376 & 377, RSMo)License Number:
A423280Date Admitted:
1965-09-27Market Share
| Year | Line | Market Share | Direct Premium Written | Direct Premium Earned | Dividends Paid | Direct Losses Paid | Direct Losses Incurred | In Force | Loss Ratio |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | Total Accident & Health | 0.34% | $58,724,008 | $58,990,036 | $0 | $41,138,753 | $40,575,720 | $0 | 98.63% |
| 2025 | Total Individual Accident & Health | 0.7% | $58,724,008 | $58,990,036 | $0 | $41,138,753 | $40,575,720 | $0 | 98.63% |
| 2025 | Individual Comprehensive Medical Expense | 1% | $26,552,734 | $26,662,924 | $0 | $23,661,326 | $23,894,116 | $0 | 100.98% |
| 2025 | Individual Medicare Supplement | 0.13% | $800,019 | $800,718 | $0 | $877,852 | $874,121 | $0 | 99.57% |
| 2025 | Individual Specified Disease | 0.84% | $916,342 | $916,342 | $0 | $72,907 | $119,802 | $0 | 164.32% |
| 2025 | Individual Accident Only | 1.63% | $1,461,770 | $1,461,779 | $0 | $218,988 | $266,193 | $0 | 121.56% |
| 2025 | Individual Disability Income | 0% | $3,097 | $3,097 | $0 | $0 | $0 | $0 | 0% |
| 2025 | Individual Dental | 10.24% | $6,337,729 | $6,337,842 | $0 | $3,882,768 | $3,877,253 | $0 | 99.86% |
| 2025 | Individual Limited Benefit | 17.6% | $22,652,317 | $22,807,334 | $0 | $12,424,912 | $11,544,235 | $0 | 92.91% |
| 2025 | Total Life & Annuities | 0% | $0 | $0 | $0 | $3,122,694 | $0 | $3,122,694 | 0% |
| 2025 | Total Individual Life | 0% | $0 | $0 | $0 | $3,122,694 | $0 | $3,122,694 | 0% |
| 2025 | Individual Universal Life | 0% | $0 | $0 | $0 | $3,122,694 | $0 | $3,122,694 | 0% |
| 2025 | Total Individual Life & Annuities | 0% | $0 | $0 | $0 | $3,122,694 | $0 | $3,122,694 | 0% |
| 2024 | Total Accident & Health | 0.4% | $64,454,089 | $64,598,337 | $0 | $47,170,808 | $47,947,789 | $0 | 101.65% |
| 2024 | Total Individual Accident & Health | 0.94% | $64,454,089 | $64,598,337 | $0 | $47,170,808 | $47,947,789 | $0 | 101.65% |
| 2024 | Individual Comprehensive Medical Expense | 1.06% | $29,382,184 | $29,497,970 | $0 | $26,110,555 | $26,123,123 | $0 | 100.05% |
| 2024 | Individual Medicare Supplement | 0.15% | $835,241 | $844,385 | $0 | $910,001 | $926,910 | $0 | 101.86% |
| 2024 | Individual Specified Disease | 0.53% | $569,482 | $569,482 | $0 | $82,848 | $94,848 | $0 | 114.48% |
| 2024 | Individual Accident Only | 1.19% | $1,152,487 | $1,152,495 | $0 | $242,096 | $248,867 | $0 | 102.8% |
| 2024 | Individual Disability Income | 0% | $3,633 | $3,633 | $0 | $0 | $-143 | $0 | 0% |
| 2024 | Individual Dental | 9.26% | $5,365,598 | $5,366,095 | $0 | $3,195,727 | $3,246,423 | $0 | 101.59% |
| 2024 | Individual Limited Benefit | 20.8% | $27,145,464 | $27,164,277 | $0 | $16,629,581 | $17,307,761 | $0 | 104.08% |
| 2024 | Total Life & Annuities | 0% | $0 | $0 | $0 | $3,453,688 | $0 | $3,453,688 | 0% |
| 2024 | Total Individual Life | 0% | $0 | $0 | $0 | $3,453,688 | $0 | $3,453,688 | 0% |
| 2024 | Individual Universal Life | 0% | $0 | $0 | $0 | $3,453,688 | $0 | $3,453,688 | 0% |
| 2024 | Total Individual Life & Annuities | 0% | $0 | $0 | $0 | $3,453,688 | $0 | $3,453,688 | 0% |
| 2023 | Total Accident & Health | 0.46% | $68,385,547 | $68,656,776 | $0 | $41,522,636 | $39,886,159 | $0 | 96.06% |
| 2023 | Total Individual Accident & Health | 1.33% | $68,385,547 | $68,656,776 | $0 | $41,522,636 | $39,886,159 | $0 | 96.06% |
| 2023 | Individual Comprehensive Medical Expense | 1.57% | $33,362,036 | $33,626,383 | $0 | $26,924,563 | $25,660,292 | $0 | 95.3% |
| 2023 | Individual Medicare Supplement | 0.17% | $885,227 | $886,132 | $0 | $836,911 | $840,593 | $0 | 100.44% |
| 2023 | Individual Specified Disease | 0.48% | $502,110 | $502,182 | $0 | $20,012 | $24,467 | $0 | 122.26% |
| 2023 | Individual Accident Only | 1.39% | $1,116,922 | $1,121,175 | $0 | $222,940 | $234,488 | $0 | 105.18% |
| 2023 | Individual Disability Income | 0% | $4,627 | $4,627 | $0 | $0 | $143 | $0 | 0% |
| 2023 | Individual Dental | 9.66% | $5,080,244 | $5,080,599 | $0 | $2,607,787 | $2,573,508 | $0 | 98.69% |
| 2023 | Individual Limited Benefit | 24.31% | $27,434,381 | $27,435,678 | $0 | $10,910,423 | $10,552,668 | $0 | 96.72% |
| 2023 | Total Life | 0% | $677,178 | $0 | $0 | $3,419,552 | $0 | $3,419,552 | 0% |
| 2023 | Total Individual Life | 0.01% | $677,178 | $0 | $0 | $3,419,552 | $0 | $3,419,552 | 0% |
| 2023 | Individual Universal Life | 0.12% | $677,178 | $0 | $0 | $3,419,552 | $0 | $3,419,552 | 0% |
| 2022 | Total Accident & Health | 0.57% | $75,568,472 | $75,675,218 | $0 | $47,470,259 | $45,267,353 | $0 | 95.36% |
| 2022 | Total Individual Accident & Health | 1.55% | $75,568,472 | $75,675,218 | $0 | $47,470,259 | $45,267,353 | $0 | 95.36% |
| 2022 | Individual Comprehensive Medical Expense | 2.2% | $39,114,726 | $39,201,593 | $0 | $29,991,397 | $28,086,499 | $0 | 93.65% |
| 2022 | Individual Medicare Supplement | 0.18% | $973,375 | $976,401 | $0 | $900,928 | $896,372 | $0 | 99.49% |
| 2022 | Individual Specified Disease | 0.45% | $531,337 | $531,340 | $0 | $92,500 | $124,056 | $0 | 134.11% |
| 2022 | Individual Accident Only | 1.82% | $1,126,826 | $1,128,575 | $0 | $197,287 | $206,216 | $0 | 104.53% |
| 2022 | Individual Disability Income | 0% | $5,352 | $5,352 | $0 | $0 | $-12 | $0 | 0% |
| 2022 | Individual Dental | 10.19% | $4,974,131 | $4,974,862 | $0 | $2,558,380 | $2,536,123 | $0 | 99.13% |
| 2022 | Individual Limited Benefit | 28.84% | $28,842,725 | $28,857,095 | $0 | $13,729,767 | $13,418,099 | $0 | 97.73% |
| 2022 | Total Life | 0.01% | $812,634 | $0 | $0 | $3,658,298 | $0 | $3,658,298 | 0% |
| 2022 | Total Individual Life | 0.01% | $812,634 | $0 | $0 | $3,658,298 | $0 | $3,658,298 | 0% |
| 2022 | Individual Universal Life | 0.1% | $812,634 | $0 | $0 | $3,658,298 | $0 | $3,658,298 | 0% |
| 2021 | Total Accident & Health | 0.63% | $76,364,828 | $76,664,494 | $0 | $51,893,183 | $50,620,364 | $0 | 97.55% |
| 2021 | Total Individual Accident & Health | 0.78% | $35,325,137 | $35,460,741 | $0 | $17,690,884 | $17,102,650 | $0 | 96.67% |
| 2021 | Individual Comprehensive Medical Expense | 1.29% | $22,954,512 | $23,067,489 | $0 | $11,805,977 | $13,067,779 | $0 | 110.69% |
| 2021 | Individual Medicare Supplement | 0.18% | $1,049,459 | $1,058,533 | $0 | $857,013 | $927,022 | $0 | 108.17% |
| 2021 | Individual Specified Disease | 0.53% | $548,798 | $550,261 | $0 | $0 | $49,097 | $0 | 0% |
| 2021 | Individual Accident Only | 1.65% | $1,028,893 | $1,033,437 | $0 | $171,433 | $195,252 | $0 | 113.89% |
| 2021 | Individual Disability Income | 0% | $4,266 | $5,411 | $0 | $0 | $0 | $0 | 0% |
| 2021 | Individual Dental | 9.59% | $4,468,988 | $4,467,801 | $0 | $2,242,526 | $113 | $0 | 0.01% |
| 2021 | Individual Limited Benefit | 7.75% | $5,270,221 | $5,277,809 | $0 | $2,613,935 | $2,863,387 | $0 | 109.54% |
| 2021 | Total Group Accident & Health | 0.54% | $41,039,691 | $41,203,753 | $0 | $34,202,299 | $33,517,714 | $0 | 98% |
| 2021 | Group Comprehensive Medical Expense - Association | 98.32% | $40,763,975 | $40,927,475 | $0 | $34,097,499 | $31,473,297 | $0 | 92.3% |
| 2021 | Group Accident Only | 0.13% | $158,934 | $159,483 | $0 | $50,114 | $49,594 | $0 | 98.96% |
| 2021 | Group Dental | 0.03% | $84,447 | $84,354 | $0 | $45,022 | $1,984,686 | $0 | 0% |
| 2021 | Group Limited Benefit | 0.01% | $32,335 | $32,441 | $0 | $9,664 | $10,137 | $0 | 104.89% |
| 2021 | Total Life | 0.01% | $923,063 | $0 | $1,404 | $5,517,160 | $0 | $149,079 | 0% |
| 2021 | Total Individual Life | 0.01% | $866,507 | $0 | $1,404 | $5,517,160 | $0 | $130,575 | 0% |
| 2021 | Individual Whole Life | 0% | $0 | $0 | $1,404 | $3,888 | $0 | $1,235 | 0% |
| 2021 | Individual Term Life | 0.11% | $696,534 | $0 | $0 | $95,282 | $0 | $77,290 | 0% |
| 2021 | Individual Universal Life | 0.02% | $130,595 | $0 | $0 | $1,873,908 | $0 | $52,050 | 0% |
| 2021 | Individual Ordinary Annuities | 0% | $39,378 | $0 | $0 | $3,544,082 | $0 | $0 | 0% |
| 2021 | Total Group Life | 0% | $56,556 | $0 | $0 | $0 | $0 | $18,504 | 0% |
| 2021 | Group Term Life | 0.01% | $56,556 | $0 | $0 | $0 | $0 | $18,504 | 0% |
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2025 | Health | 0.24% | 29 | 493 |
| 2025 | Life and Annuities | 9.62% | 0 | 0 |
| 2025 | Medicare Supplement Insurance | 0% | 1 | 0 |
| 2024 | Health | 0.32% | 30 | 449 |
| 2024 | Life and Annuities | 0.02% | 0 | 0 |
| 2024 | Medicare Supplement Insurance | 0% | 1 | 0 |
| 2023 | Health | 1.02% | 36 | 162 |
| 2023 | Life and Annuities | 0.01% | 1 | 902 |
| 2023 | Medicare Supplement Insurance | 0.12% | 0 | 0 |
| 2022 | Health | 0.9% | 44 | 224 |
| 2022 | Life and Annuities | 0.01% | 1 | 1195 |
| 2022 | Medicare Supplement Insurance | 0.13% | 0 | 0 |
| 2021 | Health | 0.89% | 42 | 193 |
| 2021 | Life and Annuities | 0.01% | 1 | 1241 |
| 2021 | Medicare Supplement Insurance | 0.15% | 0 | 0 |
Company Changes
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Financial Exams
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