NOTICE OF PROTECTION PROVIDED BY [STATE] LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION

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1 NOTICE OF PROTECTION PROVIDED BY This notice provides a brief summary of the [STATE] Life and Health Insurance Guaranty Association (the Association) and the protection it provides for policyholders. This safety net was created under [STATE] law, which determines who and what is covered and the amounts of coverage. The Association was established to provide protection in the unlikely event that your life, annuity or health insurance company becomes financially unable to meet its obligations and is taken over by its Insurance Department. If this should happen, the Association will typically arrange to continue coverage and pay claims, in accordance with [STATE] law, with funding from assessments paid by other insurance companies. The basic protections provided by the Association are: Life Insurance o [$,000] in death benefits o [$,000] in cash surrender and withdrawal values Health Insurance o [$,000] in hospital, medical and surgical insurance benefits o [$,000] in disability [income] insurance benefits o [$,000] in long-term care insurance benefits o [$,000] in other types of health insurance benefits Annuities o [$,000] in withdrawal and cash values The maximum amount of protection for each individual, regardless of the number of policies or contracts, is [$,000]. Special rules may apply with regard to hospital, medical and surgical insurance benefits. Note: Certain policies and contracts may not be covered or fully covered. For example, coverage does not extend to any portion(s) of a policy or contract that the insurer does not guarantee, such as certain investment additions to the account value of a variable life insurance policy or a variable annuity contract. There are also various residency requirements and other limitations under [STATE] law. To learn more about the above protections, [as well as protections relating to group contracts or retirement plans,] please visit the Association s website at [www. ], or contact: [STATE] Life and Health Insurance Guaranty Association [ADDRESS] [PHONE NUMBER] [STATE] Department of Insurance [ADDRESS] [PHONE NUMBER] Insurance companies and agents are not allowed by [STATE] law to use the existence of the Association or its coverage to encourage you to purchase any form of insurance. When selecting an insurance company, you should not rely on Association coverage. If there is any inconsistency between this notice and [STATE] law, then [STATE] law will control. Chronological Summary of Action (All references are to the Proceedings of the NAIC) 2010 Proc. 1 st Quarter (adopted) June 18, 2015 Ex/Plenary Conference Call (technical correction) 2015 National Association of Insurance Commissioners

2 Guideline for Notice of Protection Provided by [State] Life and Health Insurance Guaranty Association This page is intentionally left blank National Association of Insurance Commissioners

3 These charts are intended to provide the readers with additional information to more easily access state statutes, regulations, bulletins or administrative rulings which are related to the NAIC model. Such guidance provides the reader with a starting point from which they may review how each state has addressed the model and the topic being covered. The NAIC Legal Division has reviewed each state s activity in this area and has made an interpretation of adoption or related state activity based on the definitions listed below. The NAIC s interpretation may or may not be shared by the individual states or by interested readers. This state page does not constitute a formal legal opinion by the NAIC staff on the provisions of state law and should not be relied upon as such. Nor does this state page reflect a determination as to whether a state meets any applicable accreditation standards. Every effort has been made to provide correct and accurate summaries to assist the reader in targeting useful information. For further details, the laws cited should be consulted. The NAIC attempts to provide current information; however, due to the timing of our publication production, the information provided may not reflect the most up to date status. Therefore, readers should consult state law for additional adoptions and subsequent bill status National Association of Insurance Commissioners ST

4 This page is intentionally left blank ST National Association of Insurance Commissioners

5 NAIC MEMBER Alabama Alaska American Samoa Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Guam Hawaii RELATED STATE ACTIVITY 2015 National Association of Insurance Commissioners ST

6 NAIC MEMBER Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine RELATED STATE ACTIVITY Maryland MD. CODE REGS (1996/2012). Massachusetts Michigan Minnesota Mississippi Missouri MO. CODE REGS. ANN. tit (1989/2014). ST National Association of Insurance Commissioners

7 NAIC MEMBER RELATED STATE ACTIVITY Montana MONT. ADMIN. R , Appx. A (2011). Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota N.D. ADMIN. CODE , Ex A (1990/2000). Northern Marianas Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina 2015 National Association of Insurance Commissioners ST

8 NAIC MEMBER South Dakota Tennessee Texas Utah Vermont Virgin Islands Virginia Washington West Virginia Wisconsin RELATED STATE ACTIVITY Wyoming WYO. CODE R. 43 (2015). ST National Association of Insurance Commissioners

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