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).
| 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 |
|---|---|---|---|---|---|
| Alabama | $250,000 | $300,000 | $100,000 | $300,000 | 205.879.2202 |
| Alaska | $100,000 | $300,000 | $100,000 | $300,000 | 907.243.2311 |
| Arizona | $250,000 | $300,000 | $100,000 | $300,000 | 602.364.3863 |
| Arkansas | $300,000 | $300,000 | $300,000 | $300,000 | 501.375.9151 |
| California | 80% not to exceed $250,000 | 80% not to exceed $300,000 | 80% not to exceed $100,000 | 80% not to exceed $300,000 | 323.782.0182 |
| Colorado | $250,000 | $300,000 | $100,000 | $300,000 | 303.292.5022 |
| Connecticut | $500,000 | $500,000 | $500,000 | $500,000 | 844.425.4442 |
| Delaware | $250,000 | $300,000 | $100,000 | $300,000 | 302.456.3656 |
| District of Columbia | $300,000 | $300,000 | $100,000 | $300,000 | 202.434.8771 |
| Florida | $250,000 | $300,000 | $100,000 | $300,000 | 904.398.3644 |
| Georgia | $250,000 | $300,000 | $100,000 | $300,000 | 770.621.9835 |
| Hawaii | $100,000 | $300,000 | $100,000 | $300,000 | 808.528.5400 |
| Idaho | $250,000 | $300,000 | $100,000 | $300,000 | 208.378.9510 |
| Illinois | $250,000 | $300,000 | $100,000 | $300,000 | 773.714.8050 |
| Indiana | $100,000 | $300,000 | $100,000 | $300,000 | 317.636.8204 |
| Iowa | $250,000 | $300,000 | $100,000 | $300,000 | 515.248.5712 |
| Kansas | $250,000 | $300,000 | $100,000 | $300,000 | 785.271.1199 |
| Kentucky | $250,000 | $300,000 | $100,000 | $300,000 | 502.895.5915 |
| Louisiana | $250,000 | $300,000 | $100,000 | $500,000 | 225.381.0656 |
| Maine | $250,000 | $300,000 | $100,000 | $300,000 | 207.633.1090 |
| Maryland | $250,000 | $300,000 | $100,000 | $300,000 | 410.998.3907 |
| Massachusetts | $250,000 | $300,000 | $100,000 | $300,000 | 413.744.8483 |
| Michigan | $250,000 | $300,000 | $100,000 | $300,000 | 517.339.1755 |
| Minnesota | $250,000 | $500,000 | $130,000 | $500,000 | 651.407.3149 |
| Mississippi | $100,000 | $300,000 | $100,000 | $300,000 | 601.981.0755 |
| Missouri | $100,000 | $300,000 | $100,000 | $300,000 | 573.634.8455 |
| Montana | $250,000 | $300,000 | $100,000 | $300,000 | 262.965.5761 |
| Nebraska | $250,000 | $300,000 | $100,000 | $300,000 | 402.474.6900 |
| Nevada | $250,000 | $300,000 | $100,000 | $300,000 | 775.329.8387 |
| New Hampshire | $100,000 | $300,000 | $100,000 | $300,000 | 603.472.3734 |
| New Jersey | $100,000 | $500,000 | $100,000 | $500,000 | 732.345.5200 |
| New Mexico | $250,000 | $300,000 | $100,000 | $300,000 | 505.820.7355 |
| New York | $500,000 | $500,000 | $500,000 | $500,000 | 212.202.4243 |
| North Carolina | $300,000 | $300,000 | $300,000 | $300,000 | 919.833.6838 |
| North Dakota | $250,000 | $300,000 | $100,000 | $300,000 | 701.235.4108 |
| Ohio | $250,000 | $300,000 | $100,000 | $300,000 | 614.442.6601 |
| Oklahoma | $300,000 | $300,000 | $100,000 | $300,000 | 405.272.9221 |
| Pennsylvania | $100,000 | $300,000 | $100,000 | $300,000 | 610.975.0572 |
| Puerto Rico | $100,000 | $300,000 | $100,000 | $300,000 | 787.765.2095 |
| Rhode Island | $250,000 | $300,000 | $100,000 | $300,000 | 401.273.2921 |
| South Carolina | $300,000 | $300,000 | $300,000 | $300,000 | 803.276.0271 |
| South Dakota | $250,000 | $300,000 | $100,000 | $300,000 | 605.336.0177 |
| Tennessee | $250,000 | $300,000 | $100,000 | $300,000 | 615.242.8758 |
| Texas | $250,000 | $300,000 | $100,000 | $300,000 | 512.476.5101 |
| Utah | $200,000 | $500,000 | $200,000 | $500,000 | 801.572.5067 |
| Vermont | $250,000 | $300,000 | $100,000 | $300,000 | 802.249.0284 |
| Virginia | $250,000 | $300,000 | $100,000 | $350,000 | 804.282.2240 |
| Washington | $500,000 | $500,000 | $500,000 | $500,000 | 360.426.6744 |
| West Virginia | $250,000 | $300,000 | $100,000 | $300,000 | 304.733.6904 |
| Wisconsin | $300,000 | $300,000 | $300,000 | $300,000 | 608.242.9473 |
| Wyoming | $100,000 | $300,000 | $100,000 | $300,000 | 303.292.5022 |
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