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Life & Health Guaranty Associations

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

Alabama

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

Alaska

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

Arizona

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

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

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

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

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

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

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

Florida

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

Georgia

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

Hawaii

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

Idaho

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

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

Indiana

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

Iowa

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

Kansas

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

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

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

Maine

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

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

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

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

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

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

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

Montana

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

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

Nevada

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

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

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

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

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

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

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

Ohio

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

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

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

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

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

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

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

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

Texas

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

Utah

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

Vermont

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

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

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

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

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

Wyoming

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

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