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      Are all policies fully protected? There are limits to FLAHIGA coverage set by the Florida Legislature through the FLAHIGA Act. A policy must meet coverage requirements, and there are limits to the amounts FLAHIGA pays as a maximum. If your insurance company fails, the maximum amount of protection provided by FLAHIGA for any one person is: Life Insurance Death Benefit: $300,000 per insured life Life Insurance Cash Surrender: $100,000 insured life Health Insurance Claims: $300,000 per insured life Annuity Cash Surrender: $100,000 per contract owner Annuity in Benefit: $300,000 per contract owner (All the above limits assume the policy or contract is covered)   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 ]