State Guaranty Associations
Coverage limits and contact information for the life and annuity guaranty association in every state.
Last updated:
State Guaranty Associations Coverage by State
Find your state below for its guaranty association coverage limits.
| State | Max for PV of Annuity | Max Life Death Benefit | Max Life Policy Cash Value | Max Aggregate Benefits |
|---|---|---|---|---|
| Alabama | $250,000 | $300,000 | $100,000 | $300,000 |
| Alaska | $250,000 | $300,000 | $100,000 | $300,000 |
| Arizona | $250,000 | $300,000 | $100,000 | $300,000 |
| Arkansas | $300,000 | $300,000 | $300,000 | $300,000 |
| California | 80% up to $250,000 | 80% up to $300,000 | 80% up to $100,000 | 80% up to $300,000 |
| Colorado | $250,000 | $300,000 | $100,000 | $300,000 |
| Connecticut | $500,000 | $500,000 | $500,000 | $500,000 |
| Delaware | $250,000 | $300,000 | $100,000 | $300,000 |
| Dist. of Col. | $300,000 | $300,000 | $100,000 | $300,000 |
| Florida | $250,000 | $300,000 | $100,000 | $300,000 |
| Georgia | $300,000 ($250,000 cash value) | $300,000 | $100,000 | $300,000 |
| Hawaii | $250,000 | $300,000 | $100,000 | $300,000 |
| Idaho | $250,000 | $300,000 | $100,000 | $300,000 |
| Illinois | $250,000 | $300,000 | $100,000 | $300,000 |
| Indiana | $250,000 | $300,000 | $100,000 | $300,000 |
| Iowa | $250,000 | $300,000 | $100,000 | $300,000 |
| Kansas | $250,000 | $300,000 | $100,000 | $300,000 |
| Kentucky | $250,000 | $300,000 | $100,000 | $300,000 |
| Louisiana | $250,000 | $300,000 | $100,000 | $500,000 |
| Maine | $250,000 | $300,000 | $100,000 | $300,000 |
| Maryland | $250,000 | $300,000 | $100,000 | $300,000 |
| Massachusetts | $250,000 | $300,000 | $100,000 | $300,000 |
| Michigan | $250,000 | $300,000 | $100,000 | $300,000 |
| Minnesota | $250,000 | $500,000 | $130,000 | $500,000 |
| Mississippi | $250,000 | $300,000 | $100,000 | $300,000 |
| Missouri | $250,000 | $300,000 | $100,000 | $300,000 |
| Montana | $250,000 | $300,000 | $100,000 | $300,000 |
| Nebraska | $250,000 | $300,000 | $100,000 | $300,000 |
| Nevada | $250,000 | $300,000 | $100,000 | $300,000 |
| New Hampshire | $250,000 | $300,000 | $100,000 | $300,000 |
| New Jersey | $500,000 ($100,000 cash value) | $500,000 | $100,000 | $500,000 |
| New Mexico | $250,000 | $300,000 | $100,000 | $300,000 |
| New York | $500,000 | $500,000 | $500,000 | $500,000 |
| No. Carolina | $300,000 | $300,000 | $300,000 | $300,000 |
| North Dakota | $250,000 | $300,000 | $100,000 | $300,000 |
| Ohio | $250,000 | $300,000 | $100,000 | $300,000 |
| Oklahoma | $300,000 | $300,000 | $100,000 | $300,000 |
| Pennsylvania | $250,000 | $300,000 | $100,000 | $300,000 |
| Puerto Rico | $100,000 | $300,000 | $100,000 | $300,000 |
| Rhode Island | $250,000 | $300,000 | $100,000 | $300,000 |
| So. Carolina | $300,000 | $300,000 | $300,000 | $300,000 |
| South Dakota | $250,000 | $300,000 | $100,000 | $300,000 |
| Tennessee | $250,000 | $300,000 | $100,000 | $300,000 |
| Texas | $250,000 | $300,000 | $100,000 | $300,000 |
| Utah | $250,000 | $500,000 | $200,000 | $500,000 |
| Vermont | $250,000 | $300,000 | $100,000 | $300,000 |
| Virginia | $250,000 | $300,000 | $100,000 | $350,000 |
| Washington | $500,000 | $500,000 | $500,000 | $500,000 |
| West Virginia | $250,000 | $300,000 | $100,000 | $300,000 |
| Wisconsin | $300,000 | $300,000 | $300,000 | $300,000 |
| Wyoming | $250,000 | $300,000 | $100,000 | $500,000 |
Disclaimer: Provided for informational purposes only and not for sales, solicitation, or inducement to purchase any annuity product. My Annuity Store, Inc. is not responsible for the accuracy of this information. If you wish to confirm these coverages prior to making an annuity purchase, please call your state insurance department.
Contact Your State Guaranty Association
Click “State” to sort the table.
| Association & Address | Phone & Website | |
|---|---|---|
| AL |
Alabama Life & Disability Insurance Guaranty Association
2009 Eagle Ridge Drive
Birmingham, AL 35242 |
|
| AK |
Alaska Life & Health Insurance Guaranty Association
PO Box 220207
Anchorage, AK 99522-0207 |
|
| AZ |
Arizona Life & Disability Insurance Guaranty Fund
100 N. 15th Avenue, Suite 261
Phoenix, AZ 85007-2624 |
|
| AR |
Arkansas Life & Health Insurance Guaranty Association
1023 West Capitol Avenue, Suite 2
Little Rock, AR 72201 |
|
| CA |
California Life & Health Insurance Guarantee Association
2999 Douglas Boulevard, Suite 180
Roseville, CA 95661 |
|
| CO |
Colorado Life & Health Insurance Protection Association
201 Robert S. Kerr Ave., Suite 300
Oklahoma City, OK 73102 |
|
| CT |
Connecticut Life and Health Insurance Guaranty Association
557 Prospect Ave, Suite 213
West Hartford, CT 06105 |
|
| DC |
District of Columbia Life & Health Insurance Guaranty Association
6210 Guardian Gateway, Suite 195 APG
Aberdeen, MD 21005 |
|
| DE |
Delaware Life & Health Insurance Guaranty Association
220 Continental Drive, Suite 212
Newark, DE 19713 |
|
| FL |
Florida Life & Health Insurance Guaranty Association
1880 Eastwest Pkwy, Unit 10162
Fleming Island, FL 32006-7787 |
|
| GA |
Georgia Life & Health Insurance Guaranty Association
3700 Crestwood Parkway, NW
Suite 400 Duluth, GA 30096 |
|
| HI |
Hawaii Life & Disability Insurance Guaranty Association
1003 Bishop Street
Suite 2030 Honolulu, HI 96813 |
|
| ID |
Idaho Life & Health Insurance Guaranty Association
6700 N Linder Road
Suite 156 Box 144 Meridian, ID 83646 |
|
| IL |
Illinois Life and Health Insurance Guaranty Association
901 Warrenville Road
Suite 400 Lisle, IL 60532-4324 |
|
| IN |
Indiana Life & Health Insurance Guaranty Association
3502 Woodview Trace, Suite 100
Indianapolis, IN 46268 |
|
| IA |
Iowa Life & Health Insurance Guaranty Association
700 Walnut Street, Suite 1300
Des Moines, IA 50309-3899 |
|
| KS |
Kansas Life & Health Insurance Guaranty Association
534 South Kansas Avenue, Suite 1410
Topeka, KS 66603 |
|
| KY |
Kentucky Life & Health Insurance Guaranty Association
P.O. Box 761
Prospect, KY 40059 |
|
| LA |
Louisiana Life & Health Insurance Guaranty Association
620 Florida Street
Suite 210 Baton Rouge, LA 70801 |
|
| ME |
Maine Life & Health Insurance Guaranty Association
PO Box 148
South China, ME 04358 |
|
| MD |
Maryland Life & Health Insurance Guaranty Corporation
6210 Guardian Gateway, Suite 195 APG
Aberdeen, MD 21005 |
|
| MA |
Massachusetts Life & Health Insurance Guaranty Association
PO Box 3171
Springfield, MA 01101-3171 |
|
| MI |
Michigan Life & Health Insurance Guaranty Association
1640 Haslett Road, Suite 160
Haslett, MI 48840-8683 |
|
| MN |
Minnesota Life & Health Insurance Guaranty Association
225 S. 6th Street
Suite 2900 Minneapolis, MN 55402 |
|
| MS |
Mississippi Life & Health Insurance Guaranty Association
330 North Mart Plaza, Suite 2
Jackson, MS 39206 |
|
| MO |
Missouri Life & Health Insurance Guaranty Association
630 Bolivar Street
Suite 204 Jefferson City, MO 65101 |
|
| MT |
Montana Life & Health Insurance Guaranty Association
P.O. Box 123
Adel, IA 50003 |
|
| NE |
Nebraska Life & Health Insurance Guaranty Association
416 Valley View Drive, Suite 304
Scottsbluff, NE 69361 |
|
| NV |
Nevada Life & Health Insurance Guaranty Association
2999 Douglas Boulevard, Suite 180
Roseville, CA 95661 |
|
| NH |
New Hampshire Life & Health Insurance Guaranty Association
PO Box 10606
Bedford, NH 03110 |
|
| NJ |
New Jersey Life & Health Insurance Guaranty Association
521 Newman Springs Road, Suite 22
Lincroft, NJ 07738 |
|
| NM |
New Mexico Life Insurance Guaranty Association
201 Third Street NW Suite 1200
Albuquerque, NM 87102 |
|
| NY |
Life & Health Insurance Company Guaranty Corporation of New York
217 North Highland Avenue, Suite 3202
Ossining, NY 10562 |
|
| NC |
North Carolina Life & Health Insurance Guaranty Association
4441 Six Forks Road, Suite 106-153
Raleigh, NC 27609-5729 |
|
| ND |
North Dakota Life & Health Insurance Guaranty Association
PO Box 2422
Fargo, ND 58108-2422 |
|
| OH |
Ohio Life & Health Insurance Guaranty Association
485 Metro Place South, Suite 270
Dublin, OH 43017 |
|
| OK |
Oklahoma Life & Health Insurance Guaranty Association
201 Robert S. Kerr Avenue
Suite 300 Oklahoma City, OK 73102 |
|
| OR |
Oregon Life & Health Insurance Guaranty Association
6700 N Linder Road, Suite 156 Box 138
Meridian, ID 83646 |
|
| PA |
Pennsylvania Life & Health Insurance Guaranty Association
Two Bala Plaza, Suite 710
Bala Cynwyd, PA 19004 |
|
| RI |
Rhode Island Life & Health Insurance Guaranty Association
One Citizens Plaza, Suite 1000
Providence, RI 02903 |
|
| SC |
South Carolina Life and Accident and Health Insurance Guaranty Association
100 Old Cherokee Road, Suite F 373
Lexington, SC 29072 |
|
| SD |
South Dakota Life & Health Insurance Guaranty Association
206 W. 14th Street
Sioux Falls, SD 57104 |
|
| TN |
Tennessee Life & Health Insurance Guaranty Association
1320 Adams Street, Suite 1400
Nashville, TN 37208 |
|
| TX |
Texas Life & Health Insurance Guaranty Association
1717 West 6th Street, Suite 230
Austin, TX 78703-4776 |
|
| UT |
Utah Life & Health Insurance Guaranty Association
450 South Simmons Way
Suite 650 Kaysville, UT 84037 |
|
| VT |
Vermont Life & Health Insurance Guaranty Association
One National Life Drive, Suite M585
Montpelier, VT 05604 |
|
| VA |
Virginia Life, Accident & Sickness Insurance Guaranty Association
PO Box 606
534 Main Street Hampden, MA 01036-9998 |
|
| WA |
Washington Life & Disability Insurance Guaranty Association
4771 E State Route 3
Shelton, WA 98584 |
|
| WV |
West Virginia Life & Health Insurance Guaranty Association
PO Box 816
Huntington, WV 25712 |
|
| WI |
Wisconsin Insurance Security Fund
2802 Walton Commons Lane, Suite 102
Madison, WI 53718-6785 |
|
| WY |
Wyoming Life & Health Insurance Guaranty Association
6700 N. Linder Road, Suite 156, Box 139
Meridian, ID 83646 |
What are State Guaranty Associations?
State 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 the National Organization of Life & Health Insurance Guaranty Associations (NOLHGA), the state guaranty associations protect insurance consumers all across America in their time of need.
Guaranty coverage is only one layer of protection; our guide to are annuities safe explains the other safeguards built into annuities.
There are many issues, too numerous to describe here, which determine the type and extent of coverage available. You are advised to consult your state insurance department for details about any policy you consider purchasing.
Another source of information is the National Organization of Life and Health Insurance Guaranty Associations (NOLHGA, 11911 Freedom Drive, Suite 660, Reston, VA 20190).
Insurance Company Ratings are Important
If you are shopping for fixed annuity rates or an income annuity, it is important not only to look at the annuity rate but also at the financial rating of the insurance company offering the product.
You may not hear much about state guaranty associations, as most states restrict licensed agents from discussing them. Regardless, knowing the maximum amount your state guaranty association would cover may be something good to be aware of.
Every state has a State Guaranty Association to help pay the claims of financially impaired insurance companies.
State laws specify the lines of insurance covered by these funds and the dollar limits payable. The details presented on this page are intended to be used for general information purposes only.
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