State life and health insurance guaranty associations provide a safety net for their state’s policyholders, ensuring that they continue to receive coverage (up to the limits spelled out by state law) even if their insurer is declared insolvent. Working together through NOLHGA, the guaranty associations form a national safety net, protecting insurance consumers all across America in their time of need.


The National Organization of Life and Health Insurance Guaranty Associations (NOLHGA) is a voluntary association made up of the life and health insurance guaranty associations of all 50 states and the District of Columbia.

NOLHGA was founded in 1983 when the state guaranty associations determined that there was a need for a mechanism to help them coordinate their efforts to provide protection to policyholders when a life or health insurance company insolvency affects people in many states.

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Have your questions answered by a NOLHGA representative.

2023 Insolvency Costs Report Now Available

NOLHGA has issued its annual Insolvency costs report and insolvency costs workbook, which assists member companies in establishing accruals for life, annuity, and health guaranty association assessments. Access the Report

Rehabilitation of Senior Health Insurance Company of Pennsylvania (SHIP)

For information on the rehabilitation of SHIP, please Visit the Policyholder Website

About Us

Learn about NOLHGA and its role in helping state guaranty associations protect policyholders.
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National Organization of Life & Health Insurance Guaranty Associations
13873 Park Center Road, Suite 505, Herndon, VA 20171
Phone Number: 703.481.5206