State Guaranty Associations ("SGAs")

What happens when an insurance company goes out of business?

When an insurance company is declared insolvent the State Guaranty Associations ("SGAs") may become active in providing some policyholder protections. The existence of the SGAs, however, should not be a substitute for selecting an insurance company which is well-managed and financially stable. Additionally, insurance agents are prohibited from using the existence of the SGAs as an inducement to sell you insurance or annuities. Further information about the SGAs is available at www.nolhga.com or at the links below.

State Web Address Phone Number
Alabama http://www.allifega.org/faqprint.cfm/ (205) 879-2202
Alaska http://www.aklifega.org/faqprint.cfm/ (907) 243-2311
Arizona http://www.id.state.az.us/index.html (602) 364-3863
Arkansas http://www.arlifega.org/faqprint.cfm/ (501) 375-9151
California http://www.califega.org/faqprint.cfm/ (323) 782-0182
Colorado http://colorado.lhiga.com/Home/FAQs.aspx (303) 292-5022
Connecticut http://www.ctlifega.org/faqprint.cfm/ (860) 647-1054
Delaware http://www.delifega.org/faqprint.cfm/ (302) 456-3656
Dist. of Col. http://www.dclifega.org/faqprint.cfm/ (202) 434-8771
Florida http://www.flahiga.org/faqprint.cfm/ (904) 398-3644
Georgia http://www.gaiga.org/faqprint.cfm/ (770) 621-9835
Hawaii http://www.hilifega.org/faqprint.cfm/ (808) 528-5400
Idaho http://www.idlifega.org/faqprint.cfm/ (208) 378-9510
Illinois http://www.ilhiga.org/faqprint.cfm/ (773) 714-8050
Indiana http://www.inlifega.org/faqprint.cfm/ (317) 692-0574
Iowa http://www.ialifega.org/faqprint.cfm/ (515) 248-5712
Kansas http://www.kslifega.org/faqprint.cfm (785) 271-1199
Kentucky http://www.klhiga.org/faqprint.cfm/ (502) 895-5915
Louisiana http://www.lalifega.org/faqprint.cfm/ (225) 381-0656
Maine http://www.melifega.org/faqprint.cfm/ (207) 633-1090
Maryland http://www.mdlifega.org/faqprint.cfm/ (410) 998-3907
Massachusetts http://www.malifega.org/faqprint.cfm/ (413) 744-8483
Michigan http://www.milifega.org/faqprint.cfm/ (517) 339-1755
Minnesota http://www.mnlifega.org/faqprint.cfm/ (651) 296-6848
Mississippi http://www.mslifega.org/faqprint.cfm/ (601) 981-0755
Missouri http://www.mo-iga.org/forms/lnh.aspx (573) 634-8455
Montana http://www.mtlifega.org/faqprint.cfm/ (262) 965-5761
Nebraska http://www.nelifega.org/faq.htm/ (402) 474-6900
Nevada http://www.nvlifega.org/faqprint.cfm/ (775) 329-8387
New Hampshire http://www.nhlifega.org/faqprint.cfm/ (603) 226-9114
New Jersey http://www.njlifega.org/faqprint.cfm/ (973) 623-3989
New Mexico http://www.nmlifega.org/faqprint.cfm/ (505) 820-7355
New York http://www.nylifega.org/faqprint.cfm/ (212)202-4243
No. Carolina http://www.nclifega.org/faqprint.cfm/ (877) 833-6831
North Dakota http://www.ndlifega.org/faqprint.cfm/ (701) 235-4108
Ohio http://www.olhiga.org/Frequently%20Asked%20Questions.htm (614) 442-6601
Oklahoma http://www.oklifega.org/faqprint.cfm/ (405) 272-9221
Oregon http://www.orlifega.org/faqprint.cfm/ (503) 588-1974
Pennsylvania http://www.palifega.org/faqprint.cfm/ (610) 975-0572
Rhode Island http://www.rilifega.org/faqprint.cfm/ (401) 273-2921
So. Carolina http://www.sclifega.org/faq.php/ (803) 276-0271
South Dakota http://www.sdlifega.org/faqprint.cfm/ (605) 336-0177
Tennessee http://www.tnlifega.org/faqprint.cfm/ (615) 242-8758
Texas http://www.txlifega.org/?page_id=94/ (512) 476-5101
Utah http://www.utlifega.org/faqprint.cfm/ (801) 572-1218
Vermont http://www.vtlifega.org/faqprint.cfm/ (802) 244-8540
Virginia http://www.valifega.org/faqprint.cfm/ (804) 282-2240
Washington http://www.walifega.org/faqprint.cfm/ (800) 562-6900
West Virginia http://www.wvlifega.org/faqprint.cfm/ (304) 733-6904
Wisconsin http://www.wilifega.org/faqprint.cfm/ (608) 242-9473
Wyoming http://wyoming.lhiga.com/Default.aspx (303) 292-5022