Company Details
Company Name:
GUARDIAN LIFE INSURANCE COMPANY OF AMERICALicense Status:
ActiveNAIC Number:
64246Company Address:
10 HUDSON YARDS NEW YORK, NY 10001
Phone Number:
2125988000Mailing Address:
10 HUDSON YARDS NEW YORK, NY 10001
Mailing Phone:
2125988000Description:
Life and Health (Ch 376 & 377, RSMo)License Number:
A424129Date Admitted:
1869-08-09Market 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 | 0.45% | $77,581,575 | $77,362,913 | $5,242 | $47,164,192 | $49,375,251 | $0 | 104.69% |
| 2025 | Total Individual Accident & Health | 0.02% | $1,270,004 | $1,361,148 | $5,242 | $2,620,188 | $2,324,970 | $0 | 88.73% |
| 2025 | Individual Comprehensive Medical Expense | 0% | $1,475 | $0 | $0 | $201 | $-81,682 | $0 | 0% |
| 2025 | Individual Accident Only | 0% | $2,790 | $2,884 | $0 | $0 | $0 | $0 | 0% |
| 2025 | Individual Disability Income | 0.4% | $475,938 | $566,634 | $5,242 | $2,024,079 | $1,832,939 | $0 | 90.56% |
| 2025 | Individual Dental | 1.28% | $789,801 | $791,630 | $0 | $595,908 | $573,713 | $0 | 96.28% |
| 2025 | Total Group Accident & Health | 0.88% | $76,311,571 | $76,001,765 | $0 | $44,544,004 | $47,050,281 | $0 | 105.63% |
| 2025 | Group Specified Disease | 7.16% | $4,362,252 | $4,326,907 | $0 | $1,104,163 | $1,039,006 | $0 | 94.1% |
| 2025 | Group Accident Only | 3.86% | $6,305,699 | $6,256,306 | $0 | $1,582,685 | $935,512 | $0 | 59.11% |
| 2025 | Group Disability Income | 4.94% | $23,194,860 | $23,162,581 | $0 | $12,112,891 | $15,416,987 | $0 | 127.28% |
| 2025 | Group Dental | 10.58% | $34,346,468 | $34,205,608 | $0 | $25,927,662 | $25,775,837 | $0 | 99.41% |
| 2025 | Group Limited Benefit | 2.45% | $8,102,292 | $8,050,363 | $0 | $3,816,603 | $3,882,939 | $0 | 101.74% |
| 2025 | Total Life & Annuities | 0.33% | $55,811,948 | $0 | $6,380,868 | $33,524,149 | $0 | $9,375,431 | 0% |
| 2025 | Total Individual Life | 0.9% | $36,290,300 | $0 | $6,380,868 | $22,887,894 | $0 | $1,909,145 | 0% |
| 2025 | Individual Whole Life | 1.57% | $14,628,547 | $0 | $6,380,868 | $21,257,399 | $0 | $1,048,303 | 0% |
| 2025 | Individual Term Life | 0.18% | $1,071,083 | $0 | $0 | $9,795 | $0 | $779,219 | 0% |
| 2025 | Individual Universal Life | 5.21% | $20,572,966 | $0 | $0 | $1,620,700 | $0 | $80,007 | 0% |
| 2025 | Individual Universal Life With Secondary Guarantees | 0.01% | $17,704 | $0 | $0 | $0 | $0 | $1,616 | 0% |
| 2025 | Total Individual Annuities | 0% | $0 | $0 | $0 | $0 | $0 | $117 | 0% |
| 2025 | Individual Life Contingencies | 0% | $0 | $0 | $0 | $0 | $0 | $117 | 0% |
| 2025 | Total Individual Life & Annuities | 0.26% | $36,290,300 | $0 | $6,380,868 | $22,887,894 | $0 | $1,909,262 | 0% |
| 2025 | Total Group Life | 1.28% | $19,521,648 | $0 | $0 | $10,632,080 | $0 | $7,466,169 | 0% |
| 2025 | Group Term Life | 2.89% | $19,519,704 | $0 | $0 | $10,632,080 | $0 | $7,466,044 | 0% |
| 2025 | Group Universal Life | 0% | $1,944 | $0 | $0 | $0 | $0 | $125 | 0% |
| 2025 | Total Group Annuities | 0% | $0 | $0 | $0 | $4,175 | $0 | $0 | 0% |
| 2025 | Group Life Contingencies | 0% | $0 | $0 | $0 | $2,378 | $0 | $0 | 0% |
| 2025 | Other Group Annuities | 0% | $0 | $0 | $0 | $1,797 | $0 | $0 | 0% |
| 2025 | Total Group Life & Annuities | 0.61% | $19,521,648 | $0 | $0 | $10,636,255 | $0 | $7,466,169 | 0% |
| 2024 | Total Accident & Health | 0.46% | $73,735,520 | $73,269,638 | $5,242 | $43,818,218 | $23,379,777 | $0 | 53.36% |
| 2024 | Total Individual Accident & Health | 0.02% | $1,321,390 | $1,323,373 | $5,242 | $2,182,509 | $-15,081,154 | $0 | 0% |
| 2024 | Individual Comprehensive Medical Expense | 0% | $2,828 | $2,105 | $0 | $48 | $30,720 | $0 | 0% |
| 2024 | Individual Accident Only | 0% | $4,098 | $4,227 | $0 | $3,360 | $3,360 | $0 | 100% |
| 2024 | Individual Disability Income | 0.43% | $533,848 | $531,262 | $5,242 | $1,656,425 | $-15,652,249 | $0 | 0% |
| 2024 | Individual Dental | 1.35% | $780,616 | $785,779 | $0 | $522,676 | $537,015 | $0 | 102.74% |
| 2024 | Total Group Accident & Health | 0.79% | $72,414,130 | $71,946,265 | $0 | $41,635,709 | $38,460,931 | $0 | 92.37% |
| 2024 | Group Specified Disease | 8.29% | $4,269,952 | $4,228,072 | $0 | $1,185,398 | $1,401,594 | $0 | 118.24% |
| 2024 | Group Accident Only | 4.22% | $5,987,598 | $5,961,802 | $0 | $2,067,832 | $2,599,313 | $0 | 125.7% |
| 2024 | Group Disability Income | 4.52% | $21,798,582 | $21,629,928 | $0 | $11,344,444 | $7,144,107 | $0 | 62.97% |
| 2024 | Group Dental | 10.27% | $32,588,275 | $32,434,534 | $0 | $23,667,836 | $23,907,340 | $0 | 101.01% |
| 2024 | Group Limited Benefit | 2.45% | $7,769,723 | $7,691,929 | $0 | $3,370,199 | $3,408,577 | $0 | 101.14% |
| 2024 | Total Life & Annuities | 0.25% | $39,260,244 | $0 | $6,161,037 | $44,357,878 | $0 | $9,178,857 | 0% |
| 2024 | Total Individual Life | 0.47% | $20,614,808 | $0 | $6,161,037 | $33,540,780 | $0 | $1,927,968 | 0% |
| 2024 | Individual Whole Life | 2.11% | $19,174,704 | $0 | $6,161,037 | $31,934,304 | $0 | $1,026,075 | 0% |
| 2024 | Individual Term Life | 0.2% | $1,183,457 | $0 | $0 | $1,247,287 | $0 | $861,851 | 0% |
| 2024 | Individual Universal Life | 0.11% | $256,647 | $0 | $0 | $359,189 | $0 | $40,042 | 0% |
| 2024 | Total Individual Life & Annuities | 0.16% | $20,614,808 | $0 | $6,161,037 | $33,540,780 | $0 | $1,927,968 | 0% |
| 2024 | Total Group Life | 1.25% | $18,645,436 | $0 | $0 | $10,817,098 | $0 | $7,250,889 | 0% |
| 2024 | Group Term Life | 2.94% | $18,643,190 | $0 | $0 | $10,817,098 | $0 | $7,250,764 | 0% |
| 2024 | Group Universal Life | 0.01% | $2,246 | $0 | $0 | $0 | $0 | $125 | 0% |
| 2024 | Total Group Life & Annuities | 0.57% | $18,645,436 | $0 | $0 | $10,817,098 | $0 | $7,250,889 | 0% |
| 2023 | Total Accident & Health | 0.47% | $70,080,437 | $69,946,309 | $5,895 | $40,342,622 | $30,171,332 | $0 | 74.79% |
| 2023 | Total Individual Accident & Health | 0.03% | $1,379,211 | $1,386,561 | $5,895 | $1,890,498 | $-288,886 | $0 | -15.28% |
| 2023 | Individual Comprehensive Medical Expense | 0% | $1,878 | $2,105 | $0 | $3,377 | $-22,705 | $0 | 0% |
| 2023 | Individual Accident Only | 0.01% | $5,528 | $5,554 | $0 | $1,245 | $1,245 | $0 | 100% |
| 2023 | Individual Disability Income | 0.54% | $614,473 | $621,425 | $5,895 | $1,417,390 | $-738,508 | $0 | -52.1% |
| 2023 | Individual Dental | 1.44% | $757,332 | $757,477 | $0 | $468,486 | $471,082 | $0 | 100.55% |
| 2023 | Total Group Accident & Health | 0.71% | $68,701,226 | $68,559,748 | $0 | $38,452,124 | $30,460,218 | $0 | 79.22% |
| 2023 | Group Specified Disease | 7.93% | $4,001,071 | $3,987,330 | $0 | $630,824 | $445,487 | $0 | 70.62% |
| 2023 | Group Accident Only | 4.02% | $5,436,292 | $5,422,494 | $0 | $1,245,451 | $1,192,067 | $0 | 95.71% |
| 2023 | Group Disability Income | 5.11% | $20,531,347 | $20,467,448 | $0 | $11,470,319 | $3,881,417 | $0 | 33.84% |
| 2023 | Group Dental | 9.64% | $31,175,397 | $31,134,469 | $0 | $21,915,418 | $21,712,142 | $0 | 99.07% |
| 2023 | Group Limited Benefit | 2.44% | $7,557,119 | $7,548,007 | $0 | $3,190,112 | $3,229,105 | $0 | 101.22% |
| 2023 | Total Life | 0.25% | $34,421,750 | $0 | $5,289,116 | $28,049,991 | $0 | $9,354,662 | 0% |
| 2023 | Total Individual Life | 0.17% | $16,931,790 | $0 | $5,289,116 | $16,843,360 | $0 | $1,989,611 | 0% |
| 2023 | Individual Whole Life | 1.76% | $15,384,440 | $0 | $5,289,116 | $16,835,421 | $0 | $1,046,254 | 0% |
| 2023 | Individual Term Life | 0.21% | $1,234,279 | $0 | $0 | $7,939 | $0 | $902,964 | 0% |
| 2023 | Individual Universal Life | 0.05% | $313,071 | $0 | $0 | $0 | $0 | $40,393 | 0% |
| 2023 | Total Group Life | 0.5% | $17,489,960 | $0 | $0 | $11,206,631 | $0 | $7,365,051 | 0% |
| 2023 | Group Term Life | 2.95% | $17,478,930 | $0 | $0 | $11,200,900 | $0 | $7,363,836 | 0% |
| 2023 | Group Universal Life | 0.02% | $11,030 | $0 | $0 | $0 | $0 | $1,215 | 0% |
| 2023 | Group Ordinary Annuities | 0% | $0 | $0 | $0 | $5,731 | $0 | $0 | 0% |
| 2022 | Total Accident & Health | 0.52% | $69,067,426 | $68,639,060 | $7,412 | $43,031,743 | $50,872,632 | $0 | 118.22% |
| 2022 | Total Individual Accident & Health | 0.03% | $1,418,777 | $1,354,809 | $7,412 | $2,267,174 | $2,842,721 | $0 | 125.39% |
| 2022 | Individual Comprehensive Medical Expense | 0% | $2,744 | $2,589 | $0 | $31,125 | $108,080 | $0 | 347.24% |
| 2022 | Individual Specified Disease | 0% | $0 | $0 | $0 | $0 | $-294 | $0 | 0% |
| 2022 | Individual Accident Only | 0.01% | $6,627 | $6,633 | $0 | $460 | $460 | $0 | 100% |
| 2022 | Individual Disability Income | 0.62% | $683,373 | $652,352 | $7,412 | $1,850,329 | $2,342,623 | $0 | 126.61% |
| 2022 | Individual Dental | 1.49% | $726,033 | $693,235 | $0 | $385,260 | $391,852 | $0 | 101.71% |
| 2022 | Total Group Accident & Health | 0.81% | $67,648,649 | $67,284,251 | $0 | $40,764,569 | $48,029,911 | $0 | 117.82% |
| 2022 | Group Specified Disease | 7.7% | $3,718,381 | $3,679,568 | $0 | $782,200 | $801,313 | $0 | 102.44% |
| 2022 | Group Accident Only | 3.91% | $5,174,470 | $5,195,624 | $0 | $1,266,122 | $1,573,567 | $0 | 124.28% |
| 2022 | Group Disability Income | 5.17% | $19,493,412 | $19,410,425 | $0 | $13,254,831 | $20,401,421 | $0 | 153.92% |
| 2022 | Group Dental | 9.97% | $31,579,468 | $31,382,778 | $0 | $22,300,333 | $22,177,557 | $0 | 99.45% |
| 2022 | Group Limited Benefit | 2.62% | $7,682,918 | $7,615,856 | $0 | $3,161,083 | $3,076,053 | $0 | 97.31% |
| 2022 | Total Life | 0.28% | $40,769,272 | $0 | $4,737,888 | $35,881,221 | $0 | $9,059,893 | 0% |
| 2022 | Total Individual Life | 0.25% | $24,158,435 | $0 | $4,737,888 | $21,824,457 | $0 | $2,012,294 | 0% |
| 2022 | Individual Whole Life | 2.65% | $22,897,860 | $0 | $4,737,888 | $21,521,575 | $0 | $996,206 | 0% |
| 2022 | Individual Term Life | 0.15% | $947,504 | $0 | $0 | $302,882 | $0 | $975,695 | 0% |
| 2022 | Individual Universal Life | 0.04% | $313,071 | $0 | $0 | $0 | $0 | $40,393 | 0% |
| 2022 | Total Group Life | 0.37% | $16,610,837 | $0 | $0 | $14,056,764 | $0 | $7,047,599 | 0% |
| 2022 | Group Term Life | 3.01% | $16,558,445 | $0 | $0 | $14,049,931 | $0 | $7,045,854 | 0% |
| 2022 | Group Universal Life | 0.04% | $52,392 | $0 | $0 | $0 | $0 | $1,745 | 0% |
| 2022 | Group Ordinary Annuities | 0% | $0 | $0 | $0 | $6,833 | $0 | $0 | 0% |
| 2021 | Total Accident & Health | 0.57% | $69,134,243 | $69,547,025 | $9,144 | $43,441,947 | $41,873,126 | $0 | 96.39% |
| 2021 | Total Individual Accident & Health | 0.03% | $1,356,521 | $1,335,902 | $9,144 | $1,882,033 | $829,159 | $0 | 44.06% |
| 2021 | Individual Comprehensive Medical Expense | 0% | $2,534 | $2,309 | $0 | $13,724 | $4,425 | $0 | 32.24% |
| 2021 | Individual Specified Disease | 0% | $231 | $114 | $0 | $0 | $-375 | $0 | 0% |
| 2021 | Individual Accident Only | 0.01% | $4,585 | $4,528 | $0 | $0 | $-142 | $0 | 0% |
| 2021 | Individual Disability Income | 0.71% | $801,927 | $789,273 | $9,144 | $1,587,324 | $531,269 | $0 | 33.47% |
| 2021 | Individual Dental | 1.17% | $547,244 | $539,678 | $0 | $280,985 | $293,982 | $0 | 104.63% |
| 2021 | Total Group Accident & Health | 0.89% | $67,777,722 | $68,211,123 | $0 | $41,559,914 | $41,043,967 | $0 | 98.76% |
| 2021 | Group Specified Disease | 7.5% | $3,330,830 | $3,356,681 | $0 | $956,216 | $931,266 | $0 | 97.39% |
| 2021 | Group Accident Only | 4.3% | $5,181,475 | $5,257,759 | $0 | $975,669 | $349,646 | $0 | 35.84% |
| 2021 | Group Disability Income | 5.22% | $18,583,416 | $18,704,894 | $0 | $12,269,502 | $12,172,178 | $0 | 99.21% |
| 2021 | Group Dental | 10.62% | $33,087,391 | $33,252,044 | $0 | $23,888,252 | $24,049,259 | $0 | 100.67% |
| 2021 | Group Limited Benefit | 2.69% | $7,594,610 | $7,639,745 | $0 | $3,470,275 | $3,541,618 | $0 | 102.06% |
| 2021 | Total Life | 0.29% | $35,181,411 | $0 | $4,605,151 | $27,998,935 | $0 | $8,986,573 | 0% |
| 2021 | Total Individual Life | 0.23% | $17,797,989 | $0 | $4,605,151 | $13,754,576 | $0 | $2,091,929 | 0% |
| 2021 | Individual Whole Life | 1.88% | $16,568,520 | $0 | $4,604,456 | $13,616,311 | $0 | $984,189 | 0% |
| 2021 | Individual Term Life | 0.15% | $940,559 | $0 | $695 | $138,265 | $0 | $1,067,347 | 0% |
| 2021 | Individual Universal Life | 0.04% | $288,910 | $0 | $0 | $0 | $0 | $40,393 | 0% |
| 2021 | Total Group Life | 0.39% | $17,383,422 | $0 | $0 | $14,244,359 | $0 | $6,894,644 | 0% |
| 2021 | Group Term Life | 2.86% | $17,314,566 | $0 | $0 | $14,207,075 | $0 | $6,892,039 | 0% |
| 2021 | Group Universal Life | 0.19% | $68,856 | $0 | $0 | $30,000 | $0 | $2,605 | 0% |
| 2021 | Group Ordinary Annuities | 0% | $0 | $0 | $0 | $7,284 | $0 | $0 | 0% |
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2025 | Health | 0% | 26 | 0 |
| 2025 | Life and Annuities | 0% | 3 | 0 |
| 2024 | Health | 0% | 19 | 0 |
| 2024 | Life and Annuities | 0.36% | 3 | 125 |
| 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 |
| 2021 | Health | 0.81% | 34 | 171 |
| 2021 | Life and Annuities | 0.34% | 3 | 113 |
Company Changes
Date:
2001-07-01Comments:
Berkshire Life Insurance Co. merged with and into Guardian Life Insurance of America.Market Regulation Actions
Date:
2024-08-02Financial Exams
This company does not have any financial exams.