State Guaranty Associations Coverage by State
Search our State Guaranty Associations database and quickly find the coverage limits for your state, contact info, and more.
| 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 | $100,000 | $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 | $250,000 | $300,000 | $100,000 | $300,000 |
| Hawaii | $100,000 | $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 | $100,000 | $300,000 | $100,000 | $300,000 |
| Missouri | $100,000 | $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 | $100,000 | $300,000 | $100,000 | $300,000 |
| New Jersey | $250,000 | $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 | $100,000 | $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 | $200,000 | $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 241407
Anchorage, AK 99524-1407 |
|
| AZ |
Arizona Life & Disability Insurance Guaranty Fund
2901 N. 7th Street
Phoenix, AZ 85014-5400 |
|
| AR |
Arkansas Life & Disability Insurance Guaranty Association
1023 W. Capitol Avenue, Suite 4
Little Rock, AR 72201 |
|
| CA |
California Life & Health Insurance Guarantee Association
PO Box 88012
Los Angeles, CA 90009-8012 |
|
| CO |
Colorado Life & Health Insurance Protection Association
PO Box 36009
Denver, CO 80236 |
|
| CT |
Connecticut Life & Health Insurance Guaranty Association
PO Box 600
East Glastonbury, CT 06025-0600 |
|
| DC |
District of Columbia Life & Health Insurance Guaranty Association
1922 F Street NW, Suite 340
Washington, DC 20006 |
|
| DE |
Delaware Life & Health Insurance Guaranty Association
PO Box 624
Newark, DE 19715 |
|
| FL |
Florida Life & Health Insurance Guaranty Association
PO Box 14265
Tallahassee, FL 32317 |
|
| GA |
Georgia Life & Health Insurance Guaranty Association
2500 Northwinds Parkway, Suite 330
Alpharetta, GA 30009 |
|
| HI |
Hawaii Life & Disability Insurance Guaranty Association
PO Box 4068
Honolulu, HI 96812-4068 |
|
| ID |
Idaho Life & Health Insurance Guaranty Association
PO Box 943
Boise, ID 83701 |
|
| IL |
Illinois Life & Health Insurance Guaranty Association
221 N. LaSalle Street, Suite 1700
Chicago, IL 60601 |
|
| 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 1600
Des Moines, IA 50309 |
|
| KS |
Kansas Life & Health Insurance Guaranty Association
2909 SW Maupin Lane
Topeka, KS 66614 |
|
| KY |
Kentucky Life & Health Insurance Guaranty Association
10200 Forest Green Blvd., Suite 14
Louisville, KY 40223 |
|
| LA |
Louisiana Life & Health Insurance Guaranty Association
2020 Quail Drive
Baton Rouge, LA 70808 |
|
| ME |
Maine Life & Health Insurance Guaranty Association
PO Box 7317
Portland, ME 04112 |
|
| MD |
Maryland Life & Health Insurance Guaranty Corporation
7920 Norfolk Avenue, Suite 510
Bethesda, MD 20814 |
|
| MA |
Massachusetts Life & Health Insurance Guaranty Association
10 Charles Street, Suite 231
Needham, MA 02494 |
|
| MI |
Michigan Life & Health Insurance Guaranty Association
PO Box 80220
Lansing, MI 48908-0220 |
|
| MN |
Minnesota Life & Health Insurance Guaranty Association
80 South 8th Street, Suite 2020
Minneapolis, MN 55402 |
|
| MS |
Mississippi Life & Health Insurance Guaranty Association
PO Box 16843
Jackson, MS 39236-6843 |
|
| MO |
Missouri Life & Health Insurance Guaranty Association
994 Diamond Ridge
Jefferson City, MO 65109 |
|
| MT |
Montana Life & Health Insurance Guaranty Association
PO Box 577
Great Falls, MT 59403 |
|
| NE |
Nebraska Life & Health Insurance Guaranty Association
PO Box 487
La Vista, NE 68148 |
|
| NV |
Nevada Life & Health Insurance Guaranty Association
8440 West Lake Mead Blvd., Suite 201
Las Vegas, NV 89128 |
|
| NH |
New Hampshire Life & Health Insurance Guaranty Association
PO Box 1084
Concord, NH 03302-1084 |
|
| NJ |
New Jersey Life & Health Insurance Guaranty Association
521 West South Orange Avenue
South Orange, NJ 07079 |
|
| NM |
New Mexico Life & Health Insurance Guaranty Association
PO Box 14520
Albuquerque, NM 87191 |
|
| NY |
New York Life Insurance Company Guaranty Corporation
122 E 42nd Street
New York, NY 10168 |
|
| NC |
North Carolina Life & Health Insurance Guaranty Association
PO Box 10218
Raleigh, NC 27605 |
|
| ND |
North Dakota Life & Health Insurance Guaranty Association
PO Box 2431
Bismarck, ND 58502-2431 |
|
| OH |
Ohio Life & Health Insurance Guaranty Association
4019 Executive Park Drive, Suite 200
Cincinnati, OH 45241 |
|
| OK |
Oklahoma Life & Health Insurance Guaranty Association
201 Robert S. Kerr Avenue, Suite 600
Oklahoma City, OK 73102 |
|
| OR |
Oregon Life & Health Insurance Guaranty Association
PO Box 40157
Portland, OR 97240 |
|
| PA |
Pennsylvania Life & Health Insurance Guaranty Association
290 King of Prussia Road
Radnor, PA 19087 |
|
| RI |
Rhode Island Life & Health Insurance Guaranty Association
235 Promenade Street, Suite 500
Providence, RI 02908 |
|
| SC |
South Carolina Life & Accident & Health Insurance Guaranty Association
121 Executive Center Drive, Suite 110
Columbia, SC 29210 |
|
| SD |
South Dakota Life & Health Insurance Guaranty Association
PO Box 175
Sioux Falls, SD 57101-0175 |
|
| TN |
Tennessee Life & Health Insurance Guaranty Association
PO Box 410806
Nashville, TN 37241-0806 |
|
| TX |
Texas Life & Health Insurance Guaranty Association
6504 Bridge Point Parkway, Suite 450
Austin, TX 78730 |
|
| UT |
Utah Life & Health Insurance Guaranty Association
PO Box 17939
Salt Lake City, UT 84117-0939 |
|
| VT |
Vermont Life & Health Insurance Guaranty Association
1540 Williston Road
South Burlington, VT 05403 |
|
| VA |
Virginia Life, Accident & Sickness Insurance Guaranty Association
PO Box 11984
Richmond, VA 23230-1984 |
|
| WA |
Washington Life & Disability Insurance Guaranty Association
PO Box 302
Seattle, WA 98111 |
|
| WV |
West Virginia Life & Health Insurance Guaranty Association
PO Box 816
Huntington, WV 25712 |
|
| WI |
Wisconsin Insurance Security Fund
2820 Walton Commons W., Suite 135
Madison, WI 53718 |
|
| WY |
Wyoming Life & Health Insurance Guaranty Association
PO Box 857
Cheyenne, WY 82003-0857 |
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, 13873 Park Center Road, Suite 329, Herndon, VA).
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.
