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This study explores the determinants of an insurer’s guaranteed rate based on a contingent claim model. According to the model development, we structure and estimate the guaranteed rate setting and policyholder protection equations. A time-series approach explains the guaranteed rate-setting behavior and insurance stability captured by policyholder protection from 1990 to 2018. The evidence suggests that derivatives, life insurance premiums, administrative costs, and federal income tax affect the insurer’s guaranteed rate-setting behavior. Increasing life insurance premiums and administrative costs in asset-liability matching management significantly enhance policyholder protection, contributing to insurance stability.

Guaranteed Rate-setting Behavior, Life Insurance Premium, and Policyholder Protection