Kentucky Life & Health Insurance Guaranty Association 4010 Dupont Circle, Suite 232 / Louisville, KY 40207 Home About Us FAQs Additional Info Links Terms of Use Contact Us Frequently Asked Questions    01.  What happens when my insurance company goes out of business? 02.  How is policy coverage determined? 03.  Who is protected? 04.  What are the residency requirements? 05.  What policies and contracts are covered? 06.  Are the benefits provided by covered policies and contracts fully protected? 07.  What will happen to my insurance coverage when my insurance company is declared insolvent? 08.  How soon will I receive benefits? 09.  For additional questions: 10.  Where can I get advice on purchasing life, health, or annuity products? 11.  Are you a State agency? 12.  How can I determine the financial soundness of my insurance company? 13.  If my company is in the process of rehabilitation/conservation and I have an emergency and need to withdraw monies from my annuity, what is the process? 14.  Is long-term-care insurance covered by the guaranty association? 15.  Are variable annuities covered by the guaranty association? 16.  If my company is liquidated, do I have to file a claim with the association? 17.  Should I continue to pay my premiums? 18.  Is my company covered by the guaranty association? 19.  What happens if the benefits promised in my policy are greater than the coverage limits provided by the guaranty association?