Florida Life & Health Insurance Guaranty Association

Helping Florida policyholders when they need it the most.

Welcome

Welcome to the Florida Life & Health Insurance Guaranty Association Web site. We hope you find this site helpful in providing information regarding the purpose of the guaranty association and how it protects resident policyholders in the event of an insurance company insolvency. For convenience, we will use the Association's initials ("FLAHIGA") in place of the full name of the Association.

(picture is courtesy of Christopher Falck)

Announcements:

Information for Policyholders of Colorado Bankers Life Insurance Company ("CBL") and Bankers Life Insurance Company ("BLIC")

On November 30, 2024, guaranty associations will be activated to provide coverage to CBL and BLIC policyholders. Policyholders are encouraged to visit https://www.nolhga.com/globalbankers for more information.

PHL Variable Insurance Company

On May 20, 2024, PHL Variable Insurance Company was placed in rehabilitation by the Connecticut Insurance Commissioner. For more information, please refer to the Frequently Asked Questions.

Senior Health Insurance Company of Pennsylvania (SHIP) Placed in Rehabilitation

On January 29, 2020, Senior Health Insurance Company of Pennsylvania (SHIP) was placed in rehabilitation by the Commonwealth Court of Pennsylvania. Click here for a set of FAQs addressing the SHIP rehabilitation.