State Guaranty Funds

Life & Health Guaranty Associations

Each state’s life and health insurance guaranty association is governed by state law.
You are advised to consult your state insurance department for details.

A great source of information is the National Organization of Life and Health Insurance Guaranty Associations (NOLHGA).

StateMax liability for present value of an annuity contractMax death benefit with respect to any one lifeMax liability for cash or withdrawal value of life insurance policyMax aggregate benefits for all lines of insuranceState Guaranty Association Phone Numbers
Alabama$250,000$300,000$100,000$300,000205.879.2202
Alaska$100,000$300,000$100,000$300,000907.243.2311
Arizona$250,000$300,000$100,000$300,000602.364.3863
Arkansas$300,000$300,000$300,000$300,000501.375.9151
California80% not to exceed $250,00080% not to exceed $300,00080% not to exceed $100,00080% not to exceed $300,000323.782.0182
Colorado$250,000$300,000$100,000$300,000303.292.5022
Connecticut$500,000$500,000$500,000$500,000844.425.4442
Delaware$250,000$300,000$100,000$300,000302.456.3656
District of Columbia$300,000$300,000$100,000$300,000202.434.8771
Florida$250,000$300,000$100,000$300,000904.398.3644
Georgia$250,000$300,000$100,000$300,000770.621.9835
Hawaii$100,000$300,000$100,000$300,000808.528.5400
Idaho$250,000$300,000$100,000$300,000208.378.9510
Illinois$250,000$300,000$100,000$300,000773.714.8050
Indiana$100,000$300,000$100,000$300,000317.636.8204
Iowa$250,000$300,000$100,000$300,000515.248.5712
Kansas$250,000$300,000$100,000$300,000785.271.1199
Kentucky$250,000$300,000$100,000$300,000502.895.5915
Louisiana$250,000$300,000$100,000$500,000225.381.0656
Maine$250,000$300,000$100,000$300,000207.633.1090
Maryland$250,000$300,000$100,000$300,000410.998.3907
Massachusetts$250,000$300,000$100,000$300,000413.744.8483
Michigan$250,000$300,000$100,000$300,000517.339.1755
Minnesota$250,000$500,000$130,000$500,000651.407.3149
Mississippi$100,000$300,000$100,000$300,000601.981.0755
Missouri$100,000$300,000$100,000$300,000573.634.8455
Montana$250,000$300,000 $100,000$300,000 262.965.5761
Nebraska$250,000$300,000$100,000$300,000402.474.6900
Nevada$250,000$300,000$100,000$300,000775.329.8387
New Hampshire$100,000$300,000$100,000$300,000603.472.3734
New Jersey$100,000$500,000$100,000$500,000732.345.5200
New Mexico$250,000$300,000$100,000$300,000505.820.7355
New York$500,000$500,000$500,000$500,000212.202.4243
North Carolina$300,000$300,000$300,000$300,000919.833.6838
North Dakota$250,000$300,000$100,000$300,000701.235.4108
Ohio$250,000$300,000$100,000$300,000614.442.6601
Oklahoma$300,000$300,000$100,000$300,000405.272.9221
Pennsylvania$100,000$300,000$100,000$300,000610.975.0572
Puerto Rico$100,000$300,000$100,000$300,000787.765.2095
Rhode Island$250,000$300,000$100,000$300,000401.273.2921
South Carolina$300,000$300,000$300,000$300,000803.276.0271
South Dakota$250,000$300,000$100,000$300,000605.336.0177
Tennessee$250,000$300,000$100,000$300,000615.242.8758
Texas$250,000$300,000$100,000$300,000512.476.5101
Utah$200,000$500,000$200,000$500,000801.572.5067
Vermont$250,000$300,000$100,000$300,000802.249.0284
Virginia$250,000$300,000 $100,000$350,000804.282.2240
Washington$500,000$500,000$500,000$500,000 360.426.6744
West Virginia$250,000$300,000$100,000$300,000304.733.6904
Wisconsin$300,000$300,000$300,000$300,000608.242.9473
Wyoming$100,000 $300,000$100,000$300,000303.292.5022

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