Policyholder Protection

The Texas Life and Health Insurance Guaranty Association (“Association”) is a non-profit legal entity that provides limited protection for the life, health, and annuity policies owned by Texas residents if their insurance company is found to be insolvent and is ordered liquidated by a court.


By law, insurance companies and health maintenance organizations licensed in Texas to sell the type of insurance policies or contracts protected by the Association are required to be members, with some exceptions. Some specific types of insurance companies are not members of the Association and therefore, their policies are not protected by the Association. Examples of companies that are not members are multiple employer welfare associations, fraternal benefit societies,  state pooling plans, and reciprocal exchanges.


All policies or contracts issued in Texas that are protected by the Association are required by law to have a summary document attached to them that includes the Association’s contact information, its purpose, and a summary of the coverage it provides. Below are PDF versions of the current summary document in English and Spanish that was approved on July 1, 2021

Summary Document Notice for Member Companies (Approved 7-1-21)

Summary Document Notice for Member Companies (Approved 7-1-21) en español


The Association is not an insurance company that sells insurance policies. If you have an active insurance policy and need contact information for your existing insurance company, please contact the Texas Department of Insurance (TDI) at 800-252-3439.


The guaranty association of the state where you live at the time a company is ordered liquidated will likely provide you with coverage, unless the insurance company is not licensed in your state. If the company is not  licensed in the state where you live at the time the liquidation is ordered, then the guaranty association of the state where the company is domiciled may provide you with coverage. For the contact information for another guaranty association, please go the NOLHGA website and chose the ‘Contact Us’ menu and then choose the specific state guaranty association.

For more information about the Association please review the Frequently Asked Questions (FAQs) section of this website.