State Guaranty Associations

Search our State Guaranty Associations database and quickly find the coverage limits for your state, contact info, and more.

State Guaranty Associations Coverage Limits by State

Search our State Guaranty Associations database and quickly find the coverage limits for your state, contact info, and more.


State Guaranty Association	Website	Max for PV of Annuity	Max for DB on One Life	Max Liability for Cash Value of Life Policy	Max Aggregate Benefits	Phone Numnber
Alabama	allifega.org	$250,000	$300,000	$100,000	$300,000	205.879.2202
Alaska	aklifega.org	$100,000	$300,000	$100,000	$300,000	907.243.2311
Arizona	id.state.az.us	$250,000	$300,000	$100,000	$300,000	602.364.3863
Arkansas	arlifega.org	$300,000	$300,000	$300,000	$300,000	501.375.9151
California	califega.org	80% up to $250,000	80% up to $300,000	80% up to $100,000	80% up to $300,000	323.782.0182
Colorado	colorado.lhiga	$250,000	$300,000	$100,000	$300,000	303.292.5022
Connecticut	ctlifega.org	$500,000	$500,000	$500,000	$500,000	844.425.4442
Delaware	delifega.org	$250,000	$300,000	$100,000	$300,000	302.456.3656
Dist. of Col.	dclifega.org	$300,000	$300,000	$100,000	$300,000	202.434.8771
Florida	flahiga.org	$250,000	$300,000	$100,000	$300,000	904.398.3644
Georgia	gaiga.org	$250,000	$300,000	$100,000	$300,000	770.621.9835
Hawaii	hilifega.org	$100,000	$300,000	$100,000	$300,000	808.528.5400
Idaho	idlifega.org	$250,000	$300,000	$100,000	$300,000	208.378.9510
Illinois	www.ilhiga.org/	$250,000	$300,000	$100,000	$300,000	773.714.8050
Indiana	inlifega.org	$250,000	$300,000	$100,000	$300,000	317.636.8204
Iowa	ialifega.org	$250,000	$300,000	$100,000	$300,000	515.248.5712
Kansas	kslifega.org	$250,000	$300,000	$100,000	$300,000	785.271.1199
Kentucky	klhiga.org	$250,000	$300,000	$100,000	$300,000	502.895.5915
Louisiana	lalifega.org	$250,000	$300,000	$100,000	$500,000	225.381.0656
Maine	melifega.org	$250,000	$300,000	$100,000	$300,000	207.633.1090
Maryland	mdlifega.org	$250,000	$300,000	$100,000	$300,000	410.998.3907
Massachusetts	malifega.org	$250,000	$300,000	$100,000	$300,000	413.744.8483
Michigan	milifega.org	$250,000	$300,000	$100,000	$300,000	517.339.1755
Minnesota	mnlifega.org	$250,000	$500,000	$130,000	$500,000	651.407.3149
Mississippi	mslifega.org	$100,000	$300,000	$100,000	$300,000	601.981.0755
Missouri	mo-iga.org	$100,000	$300,000	$100,000	$300,000	573.634.8455
Montana	mtlifega.org	$250,000	$300,000	$100,000	$300,000	262.965.5761
Nebraska	nelifega.org	$250,000	$300,000	$100,000	$300,000	402.474.6900
Nevada	nvlifega.org	$250,000	$300,000	$100,000	$300,000	775.329.6171
New Hampshire	nhlifega.org	$100,000	$300,000	$100,000	$300,000	603.472.3734
New Jersey	njlifega.org	$100,000	$500,000	$100,000	$500,000	732.345.5200
New Mexico	nmlifega.org	$250,000	$300,000	$100,000	$300,000	505.820.7355
New York	nylifega.org	$500,000	$500,000	$500,000	$500,000	212.202.4243
No. Carolina	nclifega.org	$300,000	$300,000	$300,000	$300,000	919.833.6838
North Dakota	ndlifega.org	$250,000	$300,000	$100,000	$300,000	701.235.4108
Ohio	olhiga.org	$250,000	$300,000	$100,000	$300,000	614.442.6601
Oklahoma	oklifega.org	$300,000	$300,000	$100,000	$300,000	405.272.9221
Pennsylvania	orlifega.org	$100,000	$300,000	$100,000	$300,000	610.975.0572
Puerto Rico	palifega.org	$100,000	$300,000	$100,000	$300,000	787.765.2095
Rhode Island	rilifega.org	$250,000	$300,000	$100,000	$300,000	401.273.2921
So. Carolina	sclifega.org	$300,000	$300,000	$300,000	$300,000	803.276.0271
South Dakota	sdlifega.org	$250,000	$300,000	$100,000	$300,000	605.336.0177
Tennessee	tnlifega.org	$250,000	$300,000	$100,000	$300,000	615.242.8758
Texas	txlifega.org	$250,000	$300,000	$100,000	$300,000	512.476.5101
Utah	utlifega.org	$200,000	$500,000	$200,000	$500,000	801.572.5067
Vermont	vtlifega.org	$250,000	$300,000	$100,000	$300,000	802.249.0284
Virginia	valifega.org	$250,000	$300,000	$100,000	$350,000	804.282.2240
Washington	walifega.org	$500,000	$500,000	$500,000	$500,000	360.426.6744
West Virginia	wvlifega.org	$250,000	$300,000	$100,000	$300,000	304.733.6904
Wisconsin	wilifega.org	$300,000	$300,000	$300,000	$300,000	608.242.9473
Wyoming	wyiga.org	$250,000	$300,000	$100,000	$500,000	303.292.5022

Disclaimer: Provided for informational purposes only and not for the purpose of 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.

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.

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, 13873 Park Center Road, Suite 329, Herndon, VA).

Insurance Company Ratings are Important

If you are shopping for a fixed annuity or income annuity it is important to not only look at the annuity rate of the annuity but also at the financial rating of the insurance company offering the product.

You may not hear a lot about the state guaranty associations as most states restrict advisers from talking about 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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State Guaranty Associations

State Guaranty Associations Coverage Limits by State

What are State Guaranty Associations?

Insurance Company Ratings are Important