The principals that lay behind the actions of Golden Rule set it apart from competing insurance providers around the world. Golden Rule has joined with United Health Care to provide a wider network of resources to insurance holders since their partnership in 2003. Under the United Health Care banner, Golden Rule is better able to promote the value of delivering solutions that meet individual needs. The provider's service to 55 million people worldwide makes individualization all the more difficult yet Golden Rule has succeeded in meeting customer expectations year in and year out.


Golden Rule's respect for people, points of view and personal opinions in the past have yielded a high place in the minds of industry experts. Industry publications like A.M. Best and Standard and Poor's have graded Golden Rule highly based on the company's unique responses to health care issues. A.M. Best supplied an A to Golden Rule while Standard and Poor's lifted Golden Rule to the A+ level reserved for elite companies. These grades are indicators of Golden Rule's service, rising profile within the insurance industry and the creative solutions used to assist customers worldwide.

One of the most important values to Golden Rule executives and staff members is the maintenance of cost-effective health care tools for every customer. The use of scientific business methods to find a balance between cost and results has yielded innovations like the Medical Savings Account. This account is now known as the Health Savings Account (HSA) and has provided Golden Rule customers with tax-friendly savings options along with high deductibles. This tool was created in 1993 but has been the center of political debates over the future of Social Security and Medicare in the United States.

Over the past 60 years, Golden Rule has been processing insurance claims and annuity forms with the value of honesty kept in mind. A transparent process from customer contact to resolution keeps everyone involved informed of every option available. Golden Rule is proud of the fact that it processed over 94% of claims in 2006 within 10 business days of receipt. This efficient claims process helps harried families move on with their lives while insurance issues are taken care of.


The final value that helps form the mission of every Golden Rule employee is a clear communication of goals to customers and partner companies. Employees at the company's Indianapolis, Indiana headquarters harness the power of United Health Care to promote the aforementioned values to every customer. Changes in company policies and insurance agreements are promoted as soon as they are determined to avoid administrative problems during the claims process.