NATIONAL GUARDIAN LIFE INSURANCE COMPANY — health Complaints in Texas

Detailed analysis of 38 health insurance complaints filed against NATIONAL GUARDIAN LIFE INSURANCE COMPANY by consumers in Texas, based on public NAIC and state DOI data.

Key Statistics

health Complaints in Texas: 38
Total health Complaints (All States): 38
Texas Share: 100.0%
NAIC Complaint Ratio: 2.56
AI Risk Score: 68/100

Analysis: NATIONAL GUARDIAN LIFE INSURANCE COMPANY health in Texas

NATIONAL GUARDIAN LIFE INSURANCE COMPANY has accumulated 38 health insurance complaints from consumers in Texas. Across all states, NATIONAL GUARDIAN LIFE INSURANCE COMPANY has 38 total health complaints, making Texas responsible for 100.0% of the volume.

The most frequent complaint sub-type is Delayed payment with 16 complaints. Other common issues include Claim denial (10), Premium or billing dispute (2), Other | Information Furnished; Company Position Upheld; Contract Language/Legal Issue (1).

The most active year was 2025 with 2 complaints filed.

Consumers in Texas who have health disputes with NATIONAL GUARDIAN LIFE INSURANCE COMPANY can file a complaint with the Texas Department of Insurance.

health Complaint Issues in Texas

Issue Type	Complaints	%
Delayed payment	16	42.1%
Claim denial	10	26.3%
Premium or billing dispute	2	5.3%
Other \| Information Furnished; Company Position Upheld; Contract Language/Legal Issue	1	2.6%
Misrepresentation \| Contract Language/Legal Issue	1	2.6%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Insufficient Information; Information Furnished	1	2.6%
Unsatisfactory Settle/Offer \| Information Furnished; Contract Language/Legal Issue; Corrective Action Taken	1	2.6%
Cash Value \| Contract Language/Legal Issue	1	2.6%
Unsatisfactory Settle/Offer \| Company Position Upheld; Mediation Not Eligible; Insufficient Information	1	2.6%
Cash Value \| Information Furnished	1	2.6%
Agent Handling; Misrepresentation; Unsatisfactory Settle/Offer \| Additional Payment Expected; Information Furnished; No	1	2.6%
Other \| Contract Language/Legal Issue	1	2.6%
Policy cancellation	1	2.6%

Complaints by Year

2025: 2 complaints
2024: 1 complaints
2023: 4 complaints
2022: 5 complaints
2021: 2 complaints
2020: 1 complaints
2019: 5 complaints
2018: 5 complaints
2017: 1 complaints
2016: 5 complaints
2015: 1 complaints
2014: 4 complaints
2013: 2 complaints

Recent health Complaints Against NATIONAL GUARDIAN LIFE INSURANCE COMPANY in Texas

health Complaint #TX-432657-bc73beaf (2025-08-22) — Delayed payment
health Complaint #TX-432646-f00e2aa1 (2025-08-22) — Delayed payment
health Complaint #TX-412419-16ddafc3 (2024-12-30) — Delayed payment
health Complaint #TX-381345-58b58db6 (2023-12-28) — Other | Information Furnished; Company Position Upheld; Contract Language/Legal Issue
health Complaint #TX-368097-54b60923 (2023-07-24) — Claim denial
health Complaint #TX-362302-14d259c8 (2023-05-04) — Claim denial
health Complaint #TX-359862-2b0ffd21 (2023-04-06) — Claim denial
health Complaint #TX-351808-c191851a (2022-12-19) — Misrepresentation | Contract Language/Legal Issue
health Complaint #TX-343663-eec8f228 (2022-08-18) — Claim denial
health Complaint #TX-338642-1df69525 (2022-06-03) — Delayed payment

Frequently Asked Questions

How many health complaints does NATIONAL GUARDIAN LIFE INSURANCE COMPANY have in Texas?

NATIONAL GUARDIAN LIFE INSURANCE COMPANY has 38 health insurance complaints on file from consumers in Texas, according to NAIC and state DOI data.

What are the most common health complaint issues with NATIONAL GUARDIAN LIFE INSURANCE COMPANY in Texas?

The most common issues are: Delayed payment (16), Claim denial (10), Premium or billing dispute (2), Other | Information Furnished; Company Position Upheld; Contract Language/Legal Issue (1), Misrepresentation | Contract Language/Legal Issue (1).

How does NATIONAL GUARDIAN LIFE INSURANCE COMPANY's health record in Texas compare to other states?

NATIONAL GUARDIAN LIFE INSURANCE COMPANY has 38 health complaints in Texas out of 38 total health complaints nationwide. That is 100.0% of their health volume.

Where can I file a health complaint against NATIONAL GUARDIAN LIFE INSURANCE COMPANY in Texas?

You can file a complaint with the Texas Department of Insurance. The NAIC Consumer Information Source at https://content.naic.org/cis_consumer.htm also accepts complaints.