Life & Health Guaranty Associations
Most states have guaranty funds to help pay the claims of financially impaired insurance companies.
State laws specify the lines of insurance covered by these funds and the dollar limits payable. Coverage
is usually for individual policyholders and their beneficiaries and not for values held in unallocated
group contracts. Most states also restrict insurance agents and companies from advertising the funds’ availability.
There are many issues, too numerous to describe here, which determine the type and extent of coverage available.
You are advised to consult your state insurance department for details about any policy you consider purchasing.
Another source of information is the National Organization of Life and Health Insurance Guaranty Associations
Liability Limits:To visit a particular states life and health insurance guaranty association web site, click on the links provided below.
| State | Max. aggregate benefits for all lines of insurance | Max. death benefit with respect to any one life | Max. liability for cash or withdrawal value of life insurance policy | Max. liability for present value of an annuity contract | State Guaranty Assc. Phone Numbers |
| Alabama | $300,000 | $300,000 | $100,000 | $100,000 | (205) 879-2202 |
| Alaska | $300,000 | $300,000 | $100,000 | $100,000 | (907) 243-2311 |
| Arizona | $300,000 | $300,000 | $100,000 | $100,000 | (602) 364-3863 |
| Arkansas | $300,000 | $300,000 | $300,000 | $300,000 | (501) 375-9151 |
| California |
80% not exceed $300k |
80% not exceed $300k |
80% not exceed $100k |
80% not exceed $250k |
(323) 782-0182 |
| Colorado | $300,000 | $300,000 | $100,000 | $250,000 | (303) 292-5022 |
| Connecticut | $500,000 | $500,000 | $500,000 | $500,000 | (860) 647-1054 |
| Delaware | $300,000 | $300,000 | $100,000 | $250,000 | (302) 456-3656 |
| Dist. of Col. | $300,000 | $300,000 | $100,000 | $300,000 | (202) 434-8771 |
| Florida | $300,000 | $300,000 | $100,000 | $250,000 | (904) 398-3644 |
| Georgia | $300,000 | $300,000 | $100,000 | $100,000 | (770) 621-9835 |
| Hawaii | $300,000 | $300,000 | $100,000 | $100,000 | (808) 528-5400 |
| Idaho | $300,000 | $300,000 | $100,000 | $250,000 | (208) 378-9510 |
| Illinois | $300,000 | $300,000 | $100,000 | $250,000 | (773) 714-8050 |
| Indiana | $300,000 | $300,000 | $100,000 | $100,000 | (317) 636-8204 |
| Iowa | $300,000 | $300,000 | $100,000 | $250,000 | (515) 248-5712 |
| Kansas | $300,000 | $300,000 | $100,000 | $100,000 | (785) 271-1199 |
| Kentucky | $300,000 | $300,000 | $100,000 | $250,000 | (502) 895-5915 |
| Louisiana | $500,000 | $300,000 | $100,000 | $250,000 | (225) 381-0656 |
| Maine | $300,000 | $300,000 | $100,000 | $250,000 | (207) 633-1090 |
| Maryland | $300,000 | $300,000 | $100,000 | $250,000 | (410) 998-3907 |
| Massachusetts | $300,000 | $300,000 | $100,000 | $100,000 | (413) 744-8483 |
| Michigan | $300,000 | $300,000 | $100,000 | $250,000 | (517) 339-1755 |
| Minnesota | $500,000 | $500,000 | $130,000 | $250,000 | (651) 407-3149 |
| Mississippi | $300,000 | $300,000 | $100,000 | $100,000 | (601) 981-0755 |
| Missouri | $300,000 | $300,000 | $100,000 | $100,000 | (573) 634-8455 |
| Montana | $300,000 | $300,000 | $100,000 | $100,000 | (262) 965-5761 |
| Nebraska | $300,000 | $300,000 | $100,000 | $100,000 | (402) 474-6900 |
| Nevada | $300,000 | $300,000 | $100,000 | $100,000 | (775) 329-8387 |
| New Hampshire | $300,000 | $300,000 | $100,000 | $100,000 | (603) 226-9114 |
| New Jersey | $500,000 | $500,000 | $100,000 | $100,000 | (973) 623-3989 |
| New Mexico | $300,000 | $300,000 | $100,000 | $100,000 | (505) 820-7355 |
| New York | $500,000 | $500,000 | $500,000 | $500,000 | (212) 202-4243 |
| No. Carolina | $300,000 | $300,000 | $300,000 | $300,000 | (919) 833-6838 |
| North Dakota | $300,000 | $300,000 | $100,000 | $100,000 | (701) 235-4108 |
| Ohio | $300,000 | $300,000 | $100,000 | $250,000 | (614) 442-6601 |
| Oklahoma | $300,000 | $300,000 | $100,000 | $300,000 | (405) 272-9221 |
| Oregon | $300,000 | $300,000 | $100,000 | $250,000 | (503) 588-1974 |
| Pennsylvania | $300,000 | $300,000 | $100,000 | $100,000 | (610) 975-0572 |
| Puerto Rico | $300,000 | $300,000 | $100,000 | $100,000 | (787) 765-2095 |
| Rhode Island | $300,000 | $300,000 | $100,000 | $100,000 | (401) 273-2921 |
| So. Carolina | $300,000 | $300,000 | $300,000 | $300,000 | (803) 276-0271 |
| South Dakota | $300,000 | $300,000 | $100,000 | $100,000 | (605) 336-0177 |
| Tennessee | $300,000 | $300,000 | $100,000 | $250,000 | (615) 242-8758 |
| Texas | $300,000 | $300,000 | $100,000 | $100,000 | (512) 476-5101 |
| Utah | $500,000 | $500,000 | $200,000 | $200,000 | (801) 572-1218 |
| Vermont | $300,000 | $300,000 | $100,000 | $250,000 | (802) 244-8540 |
| Virginia | $350,000 | $300,000 | $100,000 | $250,000 | (804) 282-2240 |
| Washington | $500,000 | $500,000 | $500,000 | $500,000 | (360) 426-6744 |
| West Virginia | $300,000 | $300,000 | $100,000 | $250,000 | (304) 733-6904 |
| Wisconsin | $300,000 | $300,000 | $300,000 | $300,000 | (608) 242-9473 |
| Wyoming | $300,000 | $300,000 | $100,000 | $100,000 | (303) 292-5022 |
