There When
You Need Us
More than 40 years protecting insurance consumers
Million Policyholders Protected
Million Policyholders Protected
Billion In Coverage Benefits Guaranteed
Billion in guaranty association funds paid to consumers
The Links You Need
How Am I Protected?
Learning that your life or health insurance company is in trouble can be alarming, but there is a system in place to protect you and your family.
The Links You Need
How Am I Protected?
Learning that your life or health insurance company is in trouble can be alarming, but there is a system in place to protect you and your family.
Quick Access to Helpful Links
Contact My Guaranty Association
Contact your state’s guaranty association for answers about your coverage.
Frequently Asked Questions
Get answers to the questions policyholders ask most.
America’s Safety Net
Insurance is a promise to protect, and state life and health insurance guaranty associations have been helping to keep that promise for more than 40 years. Insurance companies rarely fail, but when they do, the guaranty associations are there for policyholders, continuing their coverage and paying claims.
NOLHGA’s mission is to support its member guaranty associations in protecting policyholders in insolvencies, and in responding to external developments so as to promote the values and interests of the life and health insurance guaranty system.
NOLHGA helps its member guaranty associations by pooling resources and coordinating activities so that policyholders receive the help they need as quickly as possible.
By working together through NOLHGA, state guaranty associations reduce the costs of resolving a failed insurer and provide protection to their states’ policyholders as quickly as possible. NOLHGA also serves as the “voice” of the guaranty system, advancing the interests of its member associations with the federal government, the NAIC, international insurance regulators, and other organizations interested in the U.S. guaranty system.
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