The Michigan Life & Health Insurance Guaranty Association Act (a link to the Act can be found in the Additional Info section), Chapter 77 of the Insurance Code of 1956, MCL 500.7701 to 500.7780 details the specific coverage, exclusions and limitations provided to policyholders. The general information provided by the web site does not cover all provisions of the law, nor does it in any way change anyone's rights or obligations under the act or the rights or obligations of MLHIGA. For a definitive statement of the law governing MLHIGA, you must refer to the MLHIGA Act itself. If there is any inconsistency between the web site and any applicable law, then such law will control.
The information provided in this Web site is general in nature and may not address a specific policy or issue. The terms and coverage of insurance products are very diverse and, as a result, it is difficult to make general statements about MLHIGA coverage without reviewing a specific contract. The generalized information provided by this web site should not be relied upon as advice. In addition, please refer to the Michigan Life and Health Insurance Guaranty Association Act, Chapter 77 of the Insurance Code of 1956, MCL 500.7701 to 500.7780, for a more complete explanation of the powers and duties of MLHIGA.
The intent of this web site is to briefly explain how MLHIGA provides protection to Michigan policyholders in the event their life or health insurance company becomes insolvent. If you have any questions that are not answered here, you should contact MLHIGA or consult with your attorney.
The information provided by this web site is subject to change without notice. The statements made herein are for information purposes only. MLHIGA has not reviewed any specific policy, or verified the information provided regarding residency or other relevant factors. Moreover, whether coverage will be provided to any specific policyholder can only be determined by reference to the statute in effect, at the earliest, at the time that the insurer is declared insolvent. For these reasons, no final determination of coverage can be made until an insurer is declared insolvent and the specific factual and legal circumstances can be reviewed. Nothing contained herein is intended to guarantee coverage for any insured, or to bind MLHIGA in any way. Finally, this web site is for general information purposes and should not be relied upon as legal advice.