Life and Health Guaranty Associations are organizations established by state laws to protect policyholders in the event that an insurance company becomes insolvent or unable to meet its financial obligations. These associations aim to provide a safety net for individuals who hold life insurance, health insurance, and annuity policies by ensuring that they continue to receive benefits even if their insurance company fails. The primary purpose of these associations is to maintain confidence in the insurance industry and protect consumers from financial loss. Life and Health Guaranty Associations play a crucial role in safeguarding policyholders’ interests and providing them with peace of mind during uncertain times.
State
Max liability for present value of an annuity contract
Max death benefit with respect to any one life
Max liability for cash or withdrawal value of life insurance policy
Max aggregate benefits for all lines of insurance
State Guaranty Association Phone Numbers
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
205.879.2202
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
907.243.2311
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
602.364.3863
State
Max liability for present value of an annuity contract
$300,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$300,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
501.375.9151
State
Max liability for present value of an annuity contract
80% not to exceed $250,000
Max death benefit with respect to any one life
80% not to exceed $300,000
Max liability for cash or withdrawal value of life insurance policy
80% not to exceed $100,000
Max aggregate benefits for all lines of insurance
80% not to exceed $300,000
Max aggregate benefits for all lines of insurance
323.782.0182
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
303.292.5022
State
Max liability for present value of an annuity contract
$500,000
Max death benefit with respect to any one life
$500,000
Max liability for cash or withdrawal value of life insurance policy
$500,000
Max aggregate benefits for all lines of insurance
$500,000
Max aggregate benefits for all lines of insurance
844.425.4442
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
302.456.3656
State
Max liability for present value of an annuity contract
$300,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
202.434.8771
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
904.398.3644
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
770.621.9835
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
808.528.5400
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
208.378.9510
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
773.714.8050
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
317.636.8204
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
515.248.5712
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
785.271.1199
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
502.895.5915
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$500,000
Max aggregate benefits for all lines of insurance
225.381.0656
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
207.633.1090
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
410.998.3907
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
413.744.8483
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
517.339.1755
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$500,000
Max liability for cash or withdrawal value of life insurance policy
$130,000
Max aggregate benefits for all lines of insurance
$500,000
Max aggregate benefits for all lines of insurance
651.407.3149
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
601.981.0755
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
573.634.8455
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
262.965.5761
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
402.474.6900
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
775.329.6171
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
603.472.3734
State
Max liability for present value of an annuity contract
$100,000
Max death benefit with respect to any one life
$500,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$500,000
Max aggregate benefits for all lines of insurance
732.345.5200
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
505.820.7355
State
Max liability for present value of an annuity contract
$500,000
Max death benefit with respect to any one life
$500,000
Max liability for cash or withdrawal value of life insurance policy
$500,000
Max aggregate benefits for all lines of insurance
$500,000
Max aggregate benefits for all lines of insurance
212.202.4243
State
Max liability for present value of an annuity contract
$300,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$300,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
919.833.6838
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
701.235.4108
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
614.442.6601
State
Max liability for present value of an annuity contract
$300,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
405.272.9221
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
610.975.0572
State
Max liability for present value of an annuity contract
$100,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
787.765.2095
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
401.273.2921
State
Max liability for present value of an annuity contract
$300,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$300,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
803.276.0271
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
605.336.0177
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
615.242.8758
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
512.476.5101
State
Max liability for present value of an annuity contract
$200,000
Max death benefit with respect to any one life
$500,000
Max liability for cash or withdrawal value of life insurance policy
$200,000
Max aggregate benefits for all lines of insurance
$500,000
Max aggregate benefits for all lines of insurance
801.572.5067
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
802.249.0284
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$350,000
Max aggregate benefits for all lines of insurance
804.282.2240
State
Max liability for present value of an annuity contract
$500,000
Max death benefit with respect to any one life
$500,000
Max liability for cash or withdrawal value of life insurance policy
$500,000
Max aggregate benefits for all lines of insurance
$500,000
Max aggregate benefits for all lines of insurance
360.426.6744
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
304.733.6904
State
Max liability for present value of an annuity contract
$300,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$300,000
Max aggregate benefits for all lines of insurance
$300,000
Max aggregate benefits for all lines of insurance
608.242.9473
State
Max liability for present value of an annuity contract
$250,000
Max death benefit with respect to any one life
$300,000
Max liability for cash or withdrawal value of life insurance policy
$100,000
Max aggregate benefits for all lines of insurance
$500,000
Max aggregate benefits for all lines of insurance
303.292.5022
