National Organization of Life & Health
Insurance Guaranty Associations

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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.

  1. What Happens When an Insurance Company Fails
  2. The Safety Net at Work
  3. 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 and the District of Columbia.

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.

Media Hotline

Have your questions answered by a NOLHGA representative.

State Associations

Policyholders are protected by their state's guaranty association. For a list of association websites, 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.
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National Organization of Life & Health Insurance Guaranty Associations
13873 Park Center Road, Suite 505, Herndon, VA 20171