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 Guaranty Assoction links open in a new tab or window)
| State | Web Site | Phone Number |
|---|---|---|
| Alabama | allifega.org/faqprint.cfm | (205) 879-2202 |
| Alaska | aklifega.org/faqprint.cfm | (907) 243-2311 |
| Arizona | id.state.az.us/index.html | (602) 364-3863 |
| Arkansas | arlifega.org/faqprint.cfm | (501) 375-9151 |
| California | califega.org/faqprint.cfm | (323) 782-0182 |
| Colorado | colorado.lhiga.com/Home/FAQs.aspx | (303) 292-5022 |
| Connecticut | ctlifega.org/faqprint.cfm | (860) 647-1054 |
| Delaware | delifega.org/faqprint.cfm | (302) 456-3656 |
| Dist. of Col. | dclifega.org/faqprint.cfm | (202) 434-8771 |
| Florida | flahiga.org/faqprint.cfm | (904) 398-3644 |
| Georgia | gaiga.org/faqprint.cfm | (770) 621-9835 |
| Hawaii | hilifega.org/faqprint.cfm | (808) 528-5400 |
| Idaho | idlifega.org/faqprint.cfm | (208) 378-9510 |
| Illinois | ilhiga.org/faqprint.cfm | (773) 714-8050 |
| Indiana | inlifega.org/faqprint.cfm | (317) 692-0574 |
| Iowa | ialifega.org/faqprint.cfm | (515) 248-5712 |
| Kansas | kslifega.org/faqprint.cfm | (785) 271-1199 |
| Kentucky | klhiga.org/faqprint.cfm | (502) 895-5915 |
| Louisiana | lalifega.org/faqprint.cfm | (225) 381-0656 |
| Maine | melifega.org/faqprint.cfm | (207) 633-1090 |
| Maryland | mdlifega.org/faqprint.cfm | (410) 998-3907 |
| Massachusetts | malifega.org/faqprint.cfm | (413) 744-8483 |
| Michigan | milifega.org/faqprint.cfm | (517) 339-1755 |
| Minnesota | mnlifega.org/faqprint.cfm | (651) 407-3149 |
| Mississippi | mslifega.org/faqprint.cfm | (601) 981-0755 |
| Missouri | mo-iga.org/forms/lnh.aspx | (573) 634-8455 |
| Montana | mtlifega.org/faqprint.cfm | (262) 965-5761 |
| Nebraska | nelifega.org/faq.htm | (402) 474-6900 |
| Nevada | nvlifega.org/faqprint.cfm | (775) 329-8387 |
| New Hampshire | nhlifega.org/faqprint.cfm | (603) 472-3734 |
| New Jersey | njlifega.org/faqprint.cfm | (732) 345-5200 |
| New Mexico | nmlifega.org/faqprint.cfm | (505) 820-7355 |
| New York | nylifega.org/faqprint.cfm | (212)202-4243 |
| No. Carolina | nclifega.org/faqprint.cfm | (877) 833-6831 |
| North Dakota | ndlifega.org/faqprint.cfm | (701) 235-4108 |
| Ohio | olhiga.org/Frequently Asked Questions.htm | (614) 442-6601 |
| Oklahoma | oklifega.org/faqprint.cfm | (405) 272-9221 |
| Oregon | orlifega.org/faqprint.cfm | (855) 378-9510 |
| Pennsylvania | palifega.org/faqprint.cfm | (610) 975-0572 |
| Rhode Island | rilifega.org/faqprint.cfm | (401) 273-2921 |
| So. Carolina | sclifega.org/faq.php | (803) 276-0271 |
| South Dakota | sdlifega.org/faqprint.cfm | (605) 336-0177 |
| Tennessee | tnlifega.org/faqprint.cfm | (615) 242-8758 |
| Texas | txlifega.org/?page_id=94 | (512) 476-5101 |
| Utah | utlifega.org/faqprint.cfm | (801) 320-9955 |
| Vermont | vtlifega.org/faqprint.cfm | (802) 249-0284 |
| Virginia | valifega.org/faqprint.cfm | (804) 282-2240 |
| Washington | walifega.org/faqprint.cfm | (360) 426-6744 |
| West Virginia | wvlifega.org/faqprint.cfm | (304) 733-6904 |
| Wisconsin | wilifega.org/faqprint.cfm | (608) 242-9473 |
| Wyoming | wyoming.lhiga.com/Default.aspx | (303) 292-5022 |