Florida Life & Health Insurance Guaranty Association 3740 Beach Boulevard, Suite 201-A / Jacksonville, FL 32207-3877 Home About Us FAQs Receiverships Additional Info Links Terms of Use Contact Us Frequently Asked Questions      How is policy coverage determined? Coverage is determined by Florida law, policy language and other circumstances at the time FLAHIGA is activated (when the member insurer is found to be insolvent and ordered liquidated by a court). Any coverage is subject to the legal limits set forth in the FLAHIGA Act.   NOTE: This information is not intended as legal advice, and no liability is assumed in connection with its use. The applicable state guaranty association statute is the controlling authority, regardless of any information presented on this site. Users should seek advice from a qualified attorney and should not rely on this compilation when considering any questions relating to guaranty association coverage.   [ Back to FAQ list ]