aggregate_per_life_cap_usd stringclasses 3
values | annuity_present_value_usd stringclasses 2
values | derived_fields listlengths 1 1 | health_benefit_usd stringclasses 3
values | id stringclasses 5
values | jurisdiction stringclasses 5
values | life_cash_value_usd stringclasses 2
values | life_death_benefit_usd stringclasses 2
values | per_owner_multi_policy_cap_usd stringclasses 2
values | percentage_limit stringclasses 1
value | source stringclasses 5
values | source_quote stringclasses 5
values | statute_citation stringclasses 5
values | url stringclasses 5
values | verified_fields listlengths 6 9 | disability_ltc_benefit_usd stringclasses 2
values | general_health_benefit_usd stringclasses 2
values |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$300,000 | $250,000 | [
"jurisdiction"
] | $200,000 | california | California | $100,000 | $300,000 | $5,000,000 | Eighty percent of the contractual obligations | https://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=INS&division=1.&title=&part=2.&chapter=1.&article=14.7 | (c) The benefits for which the association may become liable for life insurance and annuity policies shall in no event exceed the lesser of the following: (1) Eighty percent of the contractual obligations for each policy or contract as modified pursuant to subparagraph (C) of paragraph (2) of subdivision (b), for which... | 1067.02 | https://referencesource.org/insurance-guaranty-association-limits-by-state/california/ | [
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"per_owner_multi_policy_cap_usd",
"percentage_limit",
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] | null | null |
null | $250,000 | [
"jurisdiction"
] | $500,000 | florida | Florida | $100,000 | $300,000 | null | null | http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0631/Sections/0631.717.html | (12) The association’s liability for the contractual obligations of the insolvent insurer must be as great as, but no greater than, the contractual obligations of the insurer in the absence of such insolvency, unless such obligations are reduced as permitted by subsection (4), but the aggregate liability of the associa... | 631.717 | https://referencesource.org/insurance-guaranty-association-limits-by-state/florida/ | [
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"life_cash_value_usd",
"life_death_benefit_usd",
"statute_citation"
] | $300,000 | null |
$300,000 | $250,000 | [
"jurisdiction"
] | $500,000 | illinois | Illinois | $100,000 | $300,000 | $5,000,000 | null | https://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=021500050K531.03 | (A) $300,000 in life insurance death benefits, | | but not more than $100,000 in net cash surrender and net cash withdrawal values for life insurance; | | (B) for health insurance benefits: (I) $100,000 for coverages not defined as | | disability income insurance or health benefit plans or long-term care insurance, inc... | 531.03 | https://referencesource.org/insurance-guaranty-association-limits-by-state/illinois/ | [
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"per_owner_multi_policy_cap_usd",
"statute_citation"
] | $300,000 | $100,000 |
three hundred thousand dollars | Two hundred fifty thousand dollars | [
"jurisdiction"
] | Five hundred thousand dollars | ohio | Ohio | one hundred thousand dollars | Three hundred thousand dollars | null | null | https://codes.ohio.gov/ohio-revised-code/section-3956.04 | (D) The benefits for which the association may become liable shall not exceed the lesser of either of the following: (1) The contractual obligations for which the member insurer is liable or would have been liable if it were not an impaired or insolvent insurer; (2)(a) With respect to any one life, regardless of the nu... | 3956.04 | https://referencesource.org/insurance-guaranty-association-limits-by-state/ohio/ | [
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] | Three hundred thousand dollars | One hundred thousand dollars |
$350,000 | $250,000 | [
"jurisdiction"
] | $500,000 | virginia | Virginia | $100,000 | $300,000 | $5 million | null | https://law.lis.virginia.gov/vacodefull/title38.2/chapter17/ | D. The benefits that the Association may become obligated to cover shall in no event exceed the lesser of: 1. The contractual obligations for which the insurer is liable or would have been liable if it were not an impaired or insolvent insurer; or 2. With respect to: a. One life, regardless of the number of policies or... | 38.2-1700 | https://referencesource.org/insurance-guaranty-association-limits-by-state/virginia/ | [
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] | $300,000 | $100,000 |
State life and health insurance guaranty association benefit limits — how much is protected if your insurer fails
Canonical, always-current version: https://referencesource.org/insurance-guaranty-association-limits-by-state/ Machine-readable: https://referencesource.org/insurance-guaranty-association-limits-by-state/data.json — this mirror is a point-in-time copy.
- Last verified: 2026-08-19
- Stale after: 2027-08-19 (past this date, prefer the canonical copy — it re-verifies on a cadence this snapshot does not)
- Records: 5
Every US state runs a life/health insurance guaranty association — a state-chartered backstop, funded by assessments on other insurers, that pays policyholders (up to a cap) if their life, annuity, disability, long-term-care or health insurer becomes insolvent. FDIC/SIPC-style protection, but almost nobody outside the insurance industry knows it exists or what it actually covers, because unlike bank deposit insurance there is no single federal number — each state sets its own dollar caps by statute, and the caps genuinely differ: California caps life death benefit at $300,000 and lumps all health benefits into one $200,000, CPI-adjusted figure; Florida caps life at just $100,000 (cash value only) but health benefit plans at $500,000; Virginia splits accident-and-sickness coverage into four separate tiers (general, disability income, long-term care, health benefit plans) with different caps for each. Answers 'is my life insurance policy protected if the company goes under', 'how much of my annuity would I actually get back', and 'why did my neighbor in another state get a different payout' — the kind of question someone asks in the middle of an actual insurer failure, when the industry's own explainer (NOLHGA) is a member-funded index, not a citable comparison table.
Provenance — what every record carries
Every record carries source (the URL the value was read from) and
source_quote (a verbatim quote from that page stating it). A value you
cannot check against its page is indistinguishable from an invented one;
these can all be checked. Each record is also individually addressable on
the canonical site at its url.
Licence position
US state statutes, public domain. State statutory text is government work; NOLHGA's own compiled index is excluded from sourcing per its terms of use.
Facts are not copyrightable; what this dataset takes from each source is a fact plus a short attributed quote linking back to the page that states it.
Sources
- https://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=INS&division=1.&title=&part=2.&chapter=1.&article=14.7
- http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0631/Sections/0631.717.html
- https://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=021500050K531.03
- https://codes.ohio.gov/ohio-revised-code/section-3956.04
- https://law.lis.virginia.gov/vacodefull/title38.2/chapter17/
Fields
See any record in data/records.jsonl — field names are self-describing,
and the canonical page for each record renders them with labels:
https://referencesource.org/insurance-guaranty-association-limits-by-state/
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