Welcome to the Iowa Life & Health Insurance Guaranty Association ("Guaranty Association") website. We hope you find this site helpful in providing information regarding the purpose of the Guaranty Association and how it protects resident policyholders in the event of an insurance company insolvency. The information provided in this website is general in nature and may not address a specific policy or issue. The intent of this website is to provide, in non-technical language, information about the Guaranty Association.
Services
Welcome to the Iowa Life and Health Insurance Guaranty Association ("Guaranty Association") website. We hope you will find this site helpful in providing information regarding the purpose of the Guaranty Association and how it protects Iowa resident policyholders in the event of an insurance company insolvency.
In most cases, a guaranty association will continue coverage as long as premiums are paid or cash value exists. It may do this directly, or it may transfer the policy to another insurance company. In any case, policyholders should continue making premium payments to keep their coverage in force. Coverage is determined by Iowa law and policy language at the time the Iowa Guaranty Association is activated to provide protection (when the member insurer is found to be insolvent and ordered liquidated by a court).
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