Kentucky Life & Health Insurance Guaranty Association

Helping Kentucky policyholders when they need it most.


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.


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.