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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)


FLAHIGA 2019 Annual Meeting

The FLAHIGA 2019 Annual Meeting will be held Friday, January 10, 2020 starting at 9:00 am in The Conservatory, Ponte Vedra Lodge and Club, 607 Ponte Vedra Blvd., Ponte Vedra Beach, Florida 32082. The Annual Meeting will involve administrative matters and insolvency matters. The insolvency portion will be closed to the public but copies of the insolvency-related portions of the minutes will be available upon request at the termination of the insolvency. Requests should be made to Mary McAnnally, at the FLAHIGA Office, 3740 Beach Blvd. Suite 201-A, Jacksonville, FL. Minutes of the non-insolvency portions of the Annual Meeting will be available ten days after the Annual Meeting by 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.