Kentucky Life & Health Insurance Guaranty Association

Helping Kentucky policyholders when they need it most.

Welcome

The Kentucky Life and Health Insurance Guaranty Association ("KLHIGA") welcomes you to our website. The purpose of this site is to provide individuals residing in Kentucky who own life insurance, accident and health insurance, health maintenance organization ("HMO") contracts or annuity contracts information regarding the protection afforded them by KLHIGA in the event of the insolvency of the insurance company or HMO that provided their coverage.

Announcements:

Liquidation Order Entered for Bankers Life Insurance Company (BLIC) & Colorado Bankers Life Insurance Company (CBLIC)

The Receivership Court entered a Liquidation Order against BLIC and CBLIC that states that it becomes effective on the first month-end occurring 90 days after all North Carolina appeals have been resolved. As of August 23, 2024, the appeals have been resolved. The Liquidation Order therefore becomes effective on November 30, 2024

For additional information, please refer to the Notice to Policyholders and Frequently Asked Questions available on the NOLHGA website.

Liquidation Orders Entered for Penn Treaty & American Network Insurance Companies

On March 1, 2017, Penn Treaty Network America Insurance Company (Penn Treaty) and its wholly owned subsidiary, American Network Insurance Company (ANIC), were placed in liquidation by orders of the Commonwealth Court of Pennsylvania. Click here for a set of FAQs addressing the Penn Treaty/ANIC liquidations.