The Michigan Life & Health Insurance Guaranty Association ("MLHIGA") is a nonprofit association of life and health insurance companies authorized to write life insurance, annuities or health insurance in the state of Michigan. The purpose of this association is to protect Michigan policyholders, within limits, in the unlikely event that a member insurer becomes financially unable to meet its obligations. If this should happen, MLHIGA will assess its other member insurance companies for the money to pay the covered claims of insured persons who live in Michigan and, in some cases, to keep coverage in force. If coverage is provided, it may be subject to limitations or exclusions. This protection is not a substitute for consumers' care in selecting companies that are well managed and financially stable.
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.