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Welcome
State life and health insurance guaranty associations provide a safety net for their state’s policyholders, ensuring that they continue to receive coverage even if their insurer is declared insolvent. Working together through NOLHGA, the guaranty associations form a national safety net, protecting insurance consumers all across America in their time of need.

What Happens When an Insurance Company Fails?
The Safety Net at Work
Frequently Asked Questions
About NOLHGA
The National Organization of Life and Health Insurance Guaranty Associations (NOLHGA) is a voluntary association made up of the life and health insurance guaranty associations of all 50 states, the District of Columbia, and Puerto Rico.
NOLHGA was founded in 1983 when the state guaranty associations determined that there was a need for a mechanism to help them coordinate their efforts to provide protection to policyholders when a life or health insurance company insolvency affects people in many states.
More About NOLHGA
State Associations
Policyholders are protected by their state’s guaranty association. For a list of association Web sites, click here.
Facts & Figures
Financial information and legal provisions concerning the guaranty system. More Info
About Us
Learn about NOLHGA and its role in helping state guaranty associations protect policyholders. More Info
© 2001-2008 All Rights Reserved. The National Organization of Life & Health Insurance Guaranty Associations
13873 Park Center Road, Suite 329, Herndon, VA 20171
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