Illinois Life and Health Insurance Guaranty Association

Helping Illinois insurance policyholders when they need it most.


Learning your life or health insurance company is in trouble can be frightening. The Illinois Life and Health Insurance Guaranty Association provides protection for life, health, and annuity policies owned by Illinois residents.

The Illinois Life and Health Insurance Guaranty Association is a non-profit association of insurance companies that sell life insurance, health insurance and annuities in Illinois. It was created by Illinois law to provide certain protections for Illinois policyholders against certain insurance company insolvencies.

To provide this protection, the Illinois GA may pay claims, continue policy coverage, transfer policies to another insurance company or take other actions authorized by law. This site provides further information about the Illinois GA and how it protects covered policyholders in the event of an insurance company insolvency.

The Illinois GA was created by statute and provides protection subject to the terms and conditions of that statute. Nothing on this website is intended to, nor does it, modify the powers and duties of the Illinois GA.


NOTICE of March 20, 2020 Re Illinois Executive COVID-19 Stay at Home Order (“Order”):

The Illinois Life and Health Insurance Guaranty Association (“Association”) considers itself to be an essential business within the meaning of the Order. Through business continuity measures in place prior to COVID-19, the Association is fully prepared to continue all operations, including the timely payment of claims. The Association’s physical office is closed and has been secured. All staff are working remotely and have full capability to handle inquiries. You should continue to use the same phone number, email, and fax number as you have in the past, and all means of communication are regularly being monitored. If you are having an issue paying your premium, please call the Association.

Penn Treaty

On March 1, 2017, Penn Treaty Network of America Insurance Company (Penn Treaty) and its wholly owned subsidiary, American Network Insurance Company (ANIC), were placed in liquidation by the order of the Commonwealth Court of Pennsylvania. Since that time, Penn Treaty, through its Receiver, has administered your policy on behalf of the Illinois Life & Health Insurance Guaranty Association. The Illinois Life & Health Insurance Guaranty Association has been responsible for payment of all your claims since March 1, 2017.

Important Notice for Land of Lincoln Policyholders and Providers Effective October 1, 2018

October 1, 2018 marks two years since Land of Lincoln Mutual Health was declared insolvent and ceased providing any and all insurance coverage after December 31, 2016.

Effective immediately, the Illinois Life and Health Insurance Guaranty Association will no longer accept any claims filed after September 1, 2018. Any claims received after that date will not be eligible for review and, therefore, no further action will be taken by the Illinois Life and Health Insurance Guaranty Association.

Please refer to your member or provider for updated insurance information.

Thank you.

HB 5251

On August 3, 2018 Illinois Governor Bruce Rauner signed into law HB 5251 (also see Public Act 100-0687). The new law streamlines and modernizes the important consumer protections found in Illinois statutes which safeguard policyholders and enrollees of life, health, and annuity insurance companies and HMO companies which fail financially. The law unifies the protections provided to health insurance consumers by merging the smaller Illinois Health Maintenance Organization Guaranty Association into the Illinois Life and Health Insurance Guaranty Association, which will now protect HMO enrollees in addition to the policyholders of life, annuity and indemnity health insurance companies. Responsibility for funding long term care obligations is expanded to include not only indemnity health insurance companies, but also HMOs, life and annuity companies. Thus, an improved and greater base for supporting long term care obligations is created in terms of dollars and in terms of the number and types of companies providing funds. The law clarifies that medical providers are also protected from financial failure of health companies.

Please use the Contact Us Page for any further inquiries.

Notice of Protection

Click here to view our “Notice of Protection."