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Florida Life & Health Insurance Guaranty Association

Helping Florida policyholders when they need it the most.


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)


Board of Directors Call Scheduled

On September 21st, the FLAHIGA Board of Directors will discuss possible revisions to the FLAHIGA Act arising from the NAIC GA Model Act revisions. Persons wishing to be on the call should request telephone instructions from Mary McAnnally at (904) 398-3644. Minutes of the Board meeting will be available on application to Mrs. McAnnally.

Liquidation Orders Entered for Penn Treaty & American Network Insurance Companies

On March 1, 2017, Penn Treaty Network America Insurance Company (Penn Treaty) and its wholly owned subsidiary, American Network Insurance Company (ANIC), were placed in liquidation by orders of the Commonwealth Court of Pennsylvania. Click here for a set of FAQs addressing the Penn Treaty/ANIC liquidations.