Guardian Life in Texas

The Texas Department of Insurance confirmed 30 complaints against Guardian Life on 2,960,498 policies of business — a complaint index of 1.13 against a Texas market average of 1.00.

Complaints against Guardian Life in Texas took a median of 111 days to close.

By type of insurance in Texas

Coverage	Grade	Index	Complaints	Business written
Health insurance	D	1.07 1.1× the market rate	27	1,929,865
Life & annuity	—	1.22 1.2× the market rate raw 4.33	3	1,030,633
All lines	D	1.13 1.1× the market rate raw 1.18	30	2,960,498

Why people complained

Denial Of Claim 17

Cust Service Claim Handling; Delays (Claims Handling) 12

Denial Of Claim; Unsatisfactory Settle/Offer 11

Delays (Claims Handling) 7

Cust Service Claim Handling; Delays (Claims Handling); Denial Of Claim 6

Denial Of Claim; Medical Necessity 5

Unsatisfactory Settle/Offer 3

Delays (Claims Handling); Denial Of Claim 3

Least complained-about insurers in Texas

Ranked on the same measure. This is a complaint record, not a recommendation — price, coverage and claim outcomes are not measured here.

A John Hancock Life Insurance Company (U.s.a.) 0.01 A Vision Service Plan Insurance Company 0.02 A Dearborn Life Insurance Company 0.00 A Cmfg Life Insurance Company 0.04 A Chubb 0.10

Where these figures come from

Texas Department of Insurance — Complaint indexes and policy counts for insurance companies (2019–2025) · retrieved 27 Aug 2026
Texas Department of Insurance — Insurance complaints: all data (2011–2026) · retrieved 27 Aug 2026

Figures cover 2023–2025. Grades are rebuilt when regulators publish new files.