Michigan Life & Health Insurance Guaranty Association 1640 Haslett Road, Suite 160 / Haslett, MI 48840-8683 Home About Us FAQs Receiverships Additional Info Links Terms of Use Contact Us Frequently Asked Questions      Who is protected? Generally, MLHIGA covers Michigan individual policyholders and their beneficiaries; typically, Michigan residents protected by certificates of insurance issued under policies of group life or group health insurance are also covered. Payees of structures settlement annuities are also covered if the payee is a Michigan resident. Owners of unallocated annuity contracts are covered when the contract is issued in connection with certain employee benefit plans and the plan sponsor’s principal place of business is Michigan; or if the owner of the contract is a Michigan resident and the contract is issued in connection with a government lottery. In some cases, coverage might be available to certain non-residents. Limits on benefits and coverage are established by Michigan law.   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 ]