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Life & Health Guaranty Associations
Each state's life and health insurance guaranty association is governed by state law. Please find below to a basic summary of certain key provisions for each individual state or to compare specific provisions among all states. You are advised to consult your state insuranc department for details. Another great source of information is the National Organization of Life and Health Insurance Guaranty Associations (NOLHGA) http://www.nolhga.com/factsandfigures/main.cfm/location/stateinfo
Liability Limits
To visit a particular state insurance department's web site, click on the links provided in the table 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 Association 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) 371-2776
|
|
California
|
80% not to exceed $250,000
|
80% not to exceed $250,000
|
80% not to exceed $100,000
|
80% not to exceed $100,000
|
(323) 782-0182
|
|
Colorado
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(303) 292-5022
|
|
Connecticut
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(860) 529-3495
|
|
Delaware
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(302) 456-3656
|
|
Dist. of Col.
|
$300,000
|
$300,000
|
$100,000
|
$300,000
|
(202) 434-8771
|
|
Florida
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(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
|
$100,000
|
(208) 378-9510
|
|
Illinois
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(773) 714-8050
|
|
Indiana
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(317) 636-8204
|
|
Iowa
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(515) 283-3163
|
|
Kansas
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(785) 271-1199
|
|
Kentucky
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(502) 895-5915
|
|
Louisiana
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(225) 381-0656
|
|
Maine
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(207) 633-1090
|
|
Maryland
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(410) 998-3907
|
|
Massachusetts
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(413) 744-8483
|
|
Michigan
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(517) 372-3863
|
|
Minnesota
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(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) 237-9397
|
|
New York
|
$500,000
|
$500,000
|
$500,000
|
$500,000
|
(212) 909-6813
|
|
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
|
$100,000
|
(614) 442-6601
|
|
Oklahoma
|
$300,000
|
$300,000
|
$100,000
|
$300,000
|
(405) 272-9221
|
|
Oregon
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(503) 588-1974
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|
Pennsylvania
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(610) 975-0572
|
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Puerto Rico
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(787) 765-2095
|
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Rhode Island
|
$300,000
|
$300,000
|
$100,000
|
$100,000
|
(401) 273-2921
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So. Carolina
|
$300,000
|
$300,000
|
$300,000
|
$300,000
|
(803) 536-9874
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