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      Does it matter where I live? Yes. Generally speaking, MLHIGA covers only Michigan resident policyholders and certificate holders. Non-residents may also be provided coverage, but only in special circumstances. Residency is determined on the date that a member insurer is declared insolvent. All 50 states, Puerto Rico, and the District of Columbia have life and health insurance guaranty associations. If you are a resident of another state, please contact your department of insurance for contact information for the guaranty association in your state or visit the "Facts & Figures Association Contact Info" section at www.nolhga.com for a complete list of guaranty associations. You may also want to go to the Links section of this site to determine if your state's guaranty association has a Web site. Note that guaranty association coverage varies by state. As a result, coverage provided by the MLHIGA Act may not be the same as coverage provided by another state's 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 ]