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Guaranty Associations
Guaranty Associations in Different States
When an insurance company becomes insolvent or declares bankruptcy the "State Guaranty Fund" or Guarantee Association system is there to help protect the consumers. All fifty states and the District of Columbia operate guaranty funds which may pay the claim of a financially-impaired insurance company that operates in their state. You are strongly advised to contact your state association to obtain current information for your specific financial situation. This web site is not to be held responsible for the accuracy of the information in this table. A good source for further information about the state guaranty funds is the National Organization of Life and Health Insurance Guaranty Associations (www.nolhga.com).
Important Disclaimer --- Insurance companies and insurance agents are prohibited by law from using the existence of the state guaranty associations as an inducement to sell you insurance or annuities. The guaranty funds should not be a substitute for selecting an insurance company which is well-managed and financially stable.
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